{"metadata":{"transaction_key":"deprecated","request_id":"019e0010-7d30-70b2-83d8-9928f8d13ef1","sha256":"aadfc439156a368dc0538d0eb09e084227146ad28ccb1f00378dfdbd3ed10850","created":"2026-05-07T01:32:24.967Z","duration":1764.4319,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":6164,"output_tokens":153},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7010,"output_tokens":7023},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7010,"output_tokens":662}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning, Kaylee. It's Tommy here, one of the senior advisers. I'm doing I'm just giving you a call to go through both your annual review, and I believe you had some questions around income protection. Is that right? Perfect. So if it's okay with you, I'm gonna pop through an annual review pack to your email address and just go through a quick security check, update a few details, and get a few ideas together if that's alright. Perfect. So just as usual, calls are always recorded. And are you okay to confirm for security your date of birth and address, please? Perfect. Thank you, Kaylee. And I'm registered with Asic as adviser one two seven three one zero. Now I've got your email address here, Kaylee Foster. So that's your updated email address. Correct? Yep. So I'll just pop that through to you now. Will you be able to look on any of the documents with me today, or should I just kind of look through what's there? Cool. So I'm gonna send that through now. There's a number of attachments that go along with it and a digital authorization link as well. It is coming from our new system, so it might go through your spam box or main inbox. So if you can just check both. It's Croatia. Yep. Perfect. So there's PDF attachments at the bottom, and that includes performance reports for both hub accounts as well as your current account policy. So I'm just gonna go through the details that we have because I'm trying to make sure everything on the new system updates and matches for both of you guys. And I'm gonna just kind of wait So just bear with me for a moment. I'm just gonna run through what we have. So we've got you're obviously married to Joe. You've got Lila, just the one child at the moment. Fantastic. And I did see something, I think, in twenty twenty four, twenty five that you were off for about six weeks or so. Is that your second shot about two? Okay. And your second daughter's name? Vienna. Is that with a n n a? Perfect. Okay. So quick question on that one is you've got Myla listed as your beneficiary for the super to receive all the superannuation. Would you like to update that? Yep. So just a fifty fifty split between them. Perfect. Now just bear in mind, of course, to anyone who's under 18, if you pass away and they receive your super, whoever's kind of their guardian for general or whoever at the time, they'll obviously be looking after the funds on their behalf until they're 18. Perfect. We're still in Upper Kumara, so that's great. When it comes to the occupation side of it, so you're still with Hexicore, I believe. That's coming through from your contributions. Yep. Can you just briefly walk me through I think your income was listed as a $140,000 base. Okay. Do you have anything above that in terms of bonuses or anything that I need to take into account? 50 k in bonuses. Wow. That's amazing. Almost at the $200,000 mark. You probably will hit that for the year. Okay. Fantastic. When it comes to income protection, you can cover up to 70% of your income. Do you want me to just base it on the $140,000 base income? Do you want me to try and bump it up a little bit? I think yeah. And that's the thing is that I want you being over insured and then you go to claim and you give in your twelve month income and they pay you on a lesser amount than what you've been paying premiums for. Yeah. A 100%. With your 140 k base, that pretty much gives you a cover amount of 8,166 per month before tax. So call it just under 2,000 a week, you would get after tax. Would that still be okay for expenses and the luck? Yeah. Absolutely. Now we can choose between different waiting periods and benefit periods. So the standard waiting period is thirty days being out of work, SQL injured. You can push that out to sixty or ninety days if you would rather, like, rely on savings and have a more affordable policy. Do you have a preference either way? Yeah. Thirty, sixty, or ninety are the the. Yeah. I think if I was to try and give you a bit of a guide, because you're young and pretty much in a white collar occupation, your life and TPD premiums are very, very cheap. So it's under a thousand dollars for you to have 1,200,000 of both. So the standard you would do would be a thirty day wait and a benefit period all the way up to the age of 65. That would be ideal. Yep. If there's any issues where I see really high premiums that may impact, like, the group of the growth of your super or anything like that, I'll obviously look to maybe trim it down to two years or five years for short term injury. But if it's only gonna be a couple of grand given your contributions, balance, and growth, it's not really gonna have a big impact. K? Now you do have the option to actually pay for income protection out of pocket and get a full tax deduction for it or pay it through the super, and you only get a 15% rebate unless you salary sacrifice the premiums. Did you want me to look at an out of pocket policy or just put it through the super? Yep. Now they'll be pretty much identical policies anyway. It is just a little bit easier to claim on out of pocket, but most of the insurers have built in benefits to kind of work through definitions out of super anyway. I'll do up a quote for both. K. Duties wise, so are you still essentially in, like, a sales role? Like, BDM type, you're always kind of on the road meeting clients. Yep. Perfect. And do you work five days, or is it just before from home? Amazing. Okay. That'll make it pretty good. Now I know that there's probably not too much in the way of qualifications that would match for your role, But did you have to put in did you have to get any kind of degrees or specific qualifications for your role? That's it. Be a good talker. Do you have any staff under you in terms of managing staff? Perfect. Alright. So based on that being kind of office space, so to speak, and a 140,000, you're probably looking at a double a occupation rating, which is the second best outside of, like, a lawyer. So that should be quite quite affordable. Now I'm gonna do a quote through Tal just to add income protection on. Obviously, you will go through that underwriting check for occupation and medical. Did you want me to look at if there's any other providers to offer all three at, like, a cheaper price, or you're happy just to kind of add on the one policy and just go with TAO still? Yep. Now one thing I'm just having a look at with your current policy through Tout is I mentioned before and you had that in place. I'm just trying to look. Your commencement date was 2021. So I'm just wondering if you've had any health concerns between October 2020 one till now. Perfect. So we'll pretty much try to prefill 90 of an application using what was used for your previous life application. And if that's all good for you, we can just give that sensational. So that's nice and easy. What about with the cover amounts for the life and CBD? I know you've still got, well, previously, well over 1,000,000 worth of debt in terms of the home and the investment property. Is that still the case? So I think we had about 750,000 owing on the home, $6.40 owing on the investment property approximately. Thank you. Away is the one. Oh, no. Yeah. I think the only two that I found that are good is, like, Commonwealth and NAB have some pretty decent apps, but most banks are pretty terrible for it. Combined for all all loans. Yep. Perfect. You've never gone through, like, a bankruptcy or a debt agreement before, have you? Perfect. Do you want me to do any alteration for that cover amount for the 1.2 mil? Do you think because that obviously covers your your main residence mortgage pretty solid, leaves you another half a mil plus super on top. And if you're temporarily out of work for a long period of time, income protection can kick in as well. Yeah. Because it's kind of matching, like, you haven't had a significant drop in liabilities. Normally, if you're getting into your forties and the policy starts getting up to 3 or $4, we'd probably trim it down as you pay down the debts. But if that's still pretty stable, I would probably keep it around the same. Yep. We've got just the other assets. I think you had a car there with about the GLC. I think you got 68,000 on the car loan. Yep. Perfect. And I think the other asset was solar and then your investment account. There's no other scans or crypto or anything floating around as they can. Perfect. Alrighty. So that's pretty much all the details up to date there. I've got a pretty solid idea about what to do with the income protection. I do have to ask the question if you wanted me to get you a quote for trauma insurance, which is kind of like a it's called trauma, and it's like a a small lump sum if you have, like, a heart attack, stroke, or cancer to pay for, like, medical bills or your partner taking time off work, but nothing that is causing death or permanent disability. Yep. That's totally fine. Can I just ask, cash flow wise, how are you guys going with your I know you're doing some equity release and renovations and so on? Are you guys still able to put aside a decent amount into, like, surplus cash flow, would you say? Yes. Yeah. It's crazy, isn't it? I've got the same thing with the six and three year old. It's crazy. Yep. Yep. Amazing. So everything is going into offset. That's obviously building up equity in there. Are you looking to kind of invest that for more properties down the line or just get the debt down? Yeah. Yeah. When interest rates were almost zero, it was really easy to get positively geared properties. But now that it's gone up, most of them are just it's hard to even break even. Have you considered going I was just gonna say anything kind of outside of the area. Have you considered rural or commercial or anything like that, or you would just Yeah. Yep. Yep. Yeah. Between the mines, the insurances and rights. Yeah. Yep. Perfect. So bit of patience will hopefully pay off there. When it comes to your investment account, because we have a bit of a pause on cash flow, are you okay for me just to kind of let that sit and kind of just do its thing growing? I I think it's just over $10 after the last withdrawal. Yep. So just because the balance is kind of low, I haven't included the investment account in any service agreements or fees. I'd rather just wait for that to be kind of active again. So for the time being, it's had a pretty phenomenal return of, like, 23 percent. So it can just kind of bounce around in the background until it becomes more active. Cool. I wouldn't really change anything in terms of the investments in there because it's doing its thing. So if you're comfortable with that, I can kind of just put a bit of a hold on it, let it invest, and just put a flag in for the team. Amazing. Actually, last couple of things. So when it comes to estate planning, did you guys end up putting a will in place? Yes. Do you remember if you put in place a power of attorney as well for, you know, if you can't act on your own behalf? Yep. Yeah. That's okay. I'll put unknown for the power of attorney, and that's just more for, like, if you're still here and you're in the hospital, it makes it easier for Joe to kind of access a different bank account or talk to the doctors and things like that, which they're pretty good for with spouses. It's just really if anything requires you to go to court for probate, there's a delay. As long as you guys have joint bank accounts, you're not really Cool. And the last thing was just with the superannuation. Do you usually log in and keep an eye on the hub every now and then? Yep. We've had a bit of a a rickety rickety few months recently. Your contributions have really gotten your account still rolling pretty well. So I think from 87,000 up to a 100 and 10. It's only had about a 5% return. Most progressive options have been pretty negative lately. So I just wanted to kind of flag with you that it's still in the positive for the year, but it's kind of been a bit of a holding pattern with what's going on with the markets at the moment. Now because you guys have that goal to kind of have the financial freedom to retire as early as possible towards age 60, that's kind of why you're in a high growth portfolio, pretty much all of this super in growth assets, shares, property, and so on. Are you still comfortable with that idea of just going through as much as possible while you're young? Yeah. It's just gonna be that thing where we use a lot of buzzwords in the industry like volatility. And what that basically means is when the market's doing it what it's currently doing, higher highs and lower lows in shorter periods of time. So whereas you might have to wait twelve months to get up $20, that may be going up and down 10 or $20 in a period of three months now. Yeah. So it averages out over, like, a long period. Like, it averages out over the decade once you go through a normal market cycle. Like, this thing happens every time there's a financial crisis, a COVID, a war. But I just wanna double check that you're okay with that kind of roller coaster ride until you're closer to retirement. Yep. So, basically, grow it as much as we can. Once you do have the million dollars or whatever the figure is, we can then protect it in those last ten years and and gradually reduce the risk. One thing I will do, though, is I'm having a look at the investment options, and that's on one of the reports in that email pack I sent you. We've got there's about eight or nine options there. Most of them have done pretty fantastic. Like, you're in battery tech and lithium, which is electric vehicles, and that's about a 114%, something ridiculous like that. Most of the shares are pretty good. One of them in particular, though, I'm concerned about is your Australian shares in Venmo. That dropped significantly compared to the Australian share market and other Australian share option. So just for a bit of an engine tune up, I kind of wanna get a bit of a replacement option for that one. And I think if we're gonna do, like, the income protection, I'll send you, like, an updated statement of advice with the insurance recommendation in there. And then I would just like to replace that one option in the super and maybe mix in a bit of, like, gold in there, bit of alternative just to diversify you a little bit. Is that okay? Perfect. Hey. Look. It's a it's a gradual thing. I wouldn't expect anyone after, you know, one or two conversations to really get it, and you do pay us for a reason. But as long as you kind of know what I'm doing and what. Yeah. Perfect. So I'll mix all those two in together over the next couple of weeks. I'm actually going on maternity leave in June for my third. I have a daughter on the way. So, yeah, family leave. So I'll try and get you guys in before I go in the first two weeks of June. So towards the end of the month, if that's okay, I'd like to just run you through that policy and the updates. Cool. Everything's going really well with the super. I don't really see too much of a reason to try and, you know, pump any cash flow or contributions in there because you've got really good contributions and long term growth. You've got your cash flow priorities while you still have Vienna and Kindy and obviously building up towards those out of super investments. So are you okay just to kind of let the employer contributions do their thing as well? Fantastic. I have thrown quite a bit more information at you than I would normally in a review, But do you have any questions so far? Cool. Now with that pack that I've sent you, that's obviously got the certificate of the policy, performance reports, updated service guide with us, or licensing information and so on. There's also your ongoing service agreement in there as well. So you guys are still on that partner discount rate of 1.1% for the super only. Like I said, I've excluded the investment portfolio. Are you still comfortable for us to look after your super cater? Perfect. With that new Odoo sign system that we're using, it's pretty similar to DocuSign. If you can try and draw the signature on there, it's usually better than the stamp it automatically puts. And I think if you actually, like, click on the signature box, it'll let you actually do a drawing on there. If not, it's not gonna cause any issues with Hub. They're pretty good with it. But if you have any issues, just give the team a call. Yeah. It stamps your name. Yeah. It never looks right, but it's it's close enough to the license, I guess. Alright. I'll give a little refresh there. Yep. That's all good. And it would have given you a pop up box if you wanted to download a signed copy as well. Sensational. So that's pretty much it for the review. I've got a bit of a direction for the insurance and the super. Is there anything else I can do for you before I leave you for your week? No worries at all. I'll get going on the research. Just expect a call from the team in a couple of weeks to book you in with me, and we can get all that applied for and finalized. Amazing, Kelly. See you later. Bye.","confidence":0.9970703,"words":[{"word":"good","start":3.4399998,"end":3.6799998,"confidence":0.9970703,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.4538663625717163},{"word":"morning","start":3.6799998,"end":4.0,"confidence":0.98950195,"punctuated_word":"morning,","sentiment":"positive","sentiment_score":0.4108157753944397},{"word":"kaylee","start":4.0,"end":4.3199997,"confidence":0.7991536,"punctuated_word":"Kaylee.","sentiment":"neutral","sentiment_score":0.3239644169807434},{"word":"it's","start":4.3199997,"end":4.48,"confidence":0.9975586,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.20506905019283295},{"word":"tommy","start":4.48,"end":4.7999997,"confidence":0.9589844,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.17407236993312836},{"word":"here","start":4.7999997,"end":5.04,"confidence":0.9567871,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.1745545119047165},{"word":"one","start":5.04,"end":5.2,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.19943799078464508},{"word":"of","start":5.2,"end":5.2799997,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2363690435886383},{"word":"the","start":5.2799997,"end":5.3599997,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24040979146957395},{"word":"senior","start":5.3599997,"end":5.7599998,"confidence":0.99316406,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":0.20794764161109924},{"word":"advisers","start":5.7599998,"end":6.24,"confidence":0.8442383,"punctuated_word":"advisers.","sentiment":"neutral","sentiment_score":0.20750437676906583},{"word":"i'm","start":6.24,"end":6.48,"confidence":0.85595703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.18780510127544403},{"word":"doing","start":6.48,"end":6.98,"confidence":0.3876953,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.1786774843931198},{"word":"i'm","start":11.44,"end":11.679999,"confidence":0.8833008,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.3270077109336853},{"word":"just","start":11.679999,"end":11.92,"confidence":0.9838867,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3161182701587677},{"word":"giving","start":11.92,"end":12.16,"confidence":0.9980469,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.2266818135976791},{"word":"you","start":12.16,"end":12.24,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18104487657546997},{"word":"a","start":12.24,"end":12.4,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18456116318702695},{"word":"call","start":12.4,"end":12.639999,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.2382162809371948},{"word":"to","start":12.639999,"end":12.719999,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2437540739774704},{"word":"go","start":12.719999,"end":13.04,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2782142162322998},{"word":"through","start":13.04,"end":13.44,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2978404760360718},{"word":"both","start":13.44,"end":13.84,"confidence":0.9941406,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.2893766760826111},{"word":"your","start":13.84,"end":14.16,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.27634814381599426},{"word":"annual","start":14.16,"end":14.559999,"confidence":0.9970703,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.24709302186965945},{"word":"review","start":14.559999,"end":14.88,"confidence":0.92626953,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.21098670363426208},{"word":"and","start":14.88,"end":15.04,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1819892376661301},{"word":"i","start":15.04,"end":15.255,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15956389904022217},{"word":"believe","start":15.335,"end":15.655,"confidence":0.99902344,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.11468221247196198},{"word":"you","start":15.655,"end":15.735,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13796237111091614},{"word":"had","start":15.735,"end":15.975,"confidence":0.9316406,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.09855711460113524},{"word":"some","start":15.975,"end":16.295,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09525933861732484},{"word":"questions","start":16.295,"end":16.695,"confidence":0.99609375,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.18135106563568115},{"word":"around","start":16.695,"end":17.015,"confidence":0.90771484,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.12928032875061035},{"word":"income","start":17.015,"end":17.415,"confidence":0.99609375,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.18768848478794095},{"word":"protection","start":17.415,"end":17.895,"confidence":0.9790039,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.11479254066944122},{"word":"is","start":17.895,"end":18.055,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1002938076853752},{"word":"that","start":18.055,"end":18.135,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17050637304782867},{"word":"right","start":18.135,"end":18.635,"confidence":0.99658203,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.13460908830165863},{"word":"perfect","start":28.779999,"end":29.279999,"confidence":0.84228516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6280106902122498},{"word":"so","start":29.339998,"end":29.74,"confidence":0.99609375,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4059728085994721},{"word":"if","start":29.74,"end":29.9,"confidence":0.91748047,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.42449724674224854},{"word":"it's","start":29.9,"end":30.06,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4228983521461487},{"word":"okay","start":30.06,"end":30.38,"confidence":1.0,"punctuated_word":"okay","sentiment":"positive","sentiment_score":0.3506113588809967},{"word":"with","start":30.38,"end":30.539999,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.35709327459335327},{"word":"you","start":30.539999,"end":30.779999,"confidence":0.98706055,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.4556009769439697},{"word":"i'm","start":30.779999,"end":31.019999,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4659386873245239},{"word":"gonna","start":31.019999,"end":31.419998,"confidence":0.9941406,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.434147834777832},{"word":"pop","start":31.419998,"end":31.66,"confidence":0.9707031,"punctuated_word":"pop","sentiment":"positive","sentiment_score":0.44508057832717896},{"word":"through","start":31.66,"end":32.059998,"confidence":0.9980469,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3991979956626892},{"word":"an","start":32.059998,"end":32.219997,"confidence":0.9902344,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.3879871666431427},{"word":"annual","start":32.219997,"end":32.62,"confidence":0.9980469,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.31566572189331055},{"word":"review","start":32.62,"end":33.02,"confidence":0.9453125,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.243223637342453},{"word":"pack","start":33.02,"end":33.26,"confidence":0.82177734,"punctuated_word":"pack","sentiment":"positive","sentiment_score":0.3734354078769684},{"word":"to","start":33.26,"end":33.5,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3595474064350128},{"word":"your","start":33.5,"end":33.899998,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32046204805374146},{"word":"email","start":33.899998,"end":34.219997,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2896369993686676},{"word":"address","start":34.219997,"end":34.719997,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.20625004172325137},{"word":"and","start":35.1,"end":35.579998,"confidence":0.6713867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19935697317123413},{"word":"just","start":35.579998,"end":35.82,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1955602467060089},{"word":"go","start":35.82,"end":36.059998,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.18218235671520233},{"word":"through","start":36.059998,"end":36.219997,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.178681880235672},{"word":"a","start":36.219997,"end":36.379997,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20436352491378784},{"word":"quick","start":36.379997,"end":36.62,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.21927747130393985},{"word":"security","start":36.62,"end":37.12,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.14355964958667755},{"word":"check","start":37.18,"end":37.579998,"confidence":0.9699707,"punctuated_word":"check,","sentiment":"neutral","sentiment_score":0.19972923398017883},{"word":"update","start":37.579998,"end":37.899998,"confidence":0.96972656,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.18737660348415375},{"word":"a","start":37.899998,"end":37.98,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25505736470222473},{"word":"few","start":37.98,"end":38.3,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.19528263807296753},{"word":"details","start":38.3,"end":38.8,"confidence":0.90527344,"punctuated_word":"details,","sentiment":"neutral","sentiment_score":0.2150111347436905},{"word":"and","start":38.86,"end":39.18,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2613072097301483},{"word":"get","start":39.18,"end":39.34,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.26424524188041687},{"word":"a","start":39.34,"end":39.42,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2703784704208374},{"word":"few","start":39.42,"end":39.66,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.2387075573205948},{"word":"ideas","start":39.66,"end":40.059998,"confidence":0.99902344,"punctuated_word":"ideas","sentiment":"neutral","sentiment_score":0.22415773570537567},{"word":"together","start":40.059998,"end":40.379997,"confidence":0.99902344,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.25025463104248047},{"word":"if","start":40.379997,"end":40.54,"confidence":0.7207031,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.28242814540863037},{"word":"that's","start":40.54,"end":40.78,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.267957866191864},{"word":"alright","start":40.78,"end":41.235,"confidence":0.8876953,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.24769434332847595},{"word":"perfect","start":43.475002,"end":43.955,"confidence":0.9946289,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5664017200469971},{"word":"so","start":43.955,"end":44.275,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2859569787979126},{"word":"just","start":44.275,"end":44.435,"confidence":0.9770508,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3020217716693878},{"word":"as","start":44.435,"end":44.595,"confidence":0.9980469,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.34108567237854004},{"word":"usual","start":44.595,"end":45.075,"confidence":0.98999023,"punctuated_word":"usual,","sentiment":"positive","sentiment_score":0.34052175283432007},{"word":"calls","start":45.075,"end":45.315002,"confidence":0.9863281,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.25261589884757996},{"word":"are","start":45.315002,"end":45.475,"confidence":0.9892578,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.19199790060520172},{"word":"always","start":45.475,"end":45.795002,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.20771445333957672},{"word":"recorded","start":45.795002,"end":46.295002,"confidence":0.9223633,"punctuated_word":"recorded.","sentiment":"neutral","sentiment_score":0.21253937482833865},{"word":"and","start":46.675,"end":47.155,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07552255690097809},{"word":"are","start":47.155,"end":47.315002,"confidence":0.80322266,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.052805058658123016},{"word":"you","start":47.315002,"end":47.475,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07707861810922623},{"word":"okay","start":47.475,"end":47.795002,"confidence":0.9951172,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.07692298293113708},{"word":"to","start":47.795002,"end":47.955,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08460284769535065},{"word":"confirm","start":47.955,"end":48.435,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.08861710131168365},{"word":"for","start":48.435,"end":48.675,"confidence":0.50439453,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.083876833319664},{"word":"security","start":48.675,"end":49.175,"confidence":0.89208984,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.08056019991636276},{"word":"your","start":49.475,"end":49.715,"confidence":0.95166016,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.073430635035038},{"word":"date","start":49.715,"end":49.955,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.11793102324008942},{"word":"of","start":49.955,"end":50.035,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13472715020179749},{"word":"birth","start":50.035,"end":50.195,"confidence":1.0,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.1241285875439644},{"word":"and","start":50.195,"end":50.355,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10787409543991087},{"word":"address","start":50.355,"end":50.755,"confidence":0.9975586,"punctuated_word":"address,","sentiment":"neutral","sentiment_score":0.09326399862766266},{"word":"please","start":50.755,"end":51.255,"confidence":0.99658203,"punctuated_word":"please?","sentiment":"neutral","sentiment_score":0.09551341086626051},{"word":"perfect","start":57.81,"end":58.29,"confidence":0.9030762,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.382743775844574},{"word":"thank","start":58.29,"end":58.45,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5221623182296753},{"word":"you","start":58.45,"end":58.690002,"confidence":0.99853516,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.5287184715270996},{"word":"kaylee","start":58.690002,"end":59.010002,"confidence":0.80029297,"punctuated_word":"Kaylee.","sentiment":"positive","sentiment_score":0.5033596754074097},{"word":"and","start":59.010002,"end":59.25,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2714214026927948},{"word":"i'm","start":59.25,"end":59.33,"confidence":0.890625,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.15050801634788513},{"word":"registered","start":59.33,"end":59.73,"confidence":0.8618164,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.1809690147638321},{"word":"with","start":59.73,"end":59.97,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2314065992832184},{"word":"asic","start":59.97,"end":60.37,"confidence":0.5876465,"punctuated_word":"Asic","sentiment":"neutral","sentiment_score":0.2522673010826111},{"word":"as","start":60.37,"end":60.61,"confidence":0.9589844,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.29291650652885437},{"word":"adviser","start":60.61,"end":61.09,"confidence":0.9199219,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.22934724390506744},{"word":"one","start":61.09,"end":61.33,"confidence":0.9604492,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.22221437096595764},{"word":"two","start":61.33,"end":61.57,"confidence":0.9951172,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.23662573099136353},{"word":"seven","start":61.57,"end":62.05,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.22657819092273712},{"word":"three","start":62.05,"end":62.29,"confidence":0.99902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.19128932058811188},{"word":"one","start":62.29,"end":62.53,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2042914479970932},{"word":"zero","start":62.53,"end":63.03,"confidence":0.72387695,"punctuated_word":"zero.","sentiment":"neutral","sentiment_score":0.2614471912384033},{"word":"now","start":64.13,"end":64.63,"confidence":0.9941406,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.11960293352603912},{"word":"i've","start":64.770004,"end":65.09,"confidence":0.9980469,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.10795895755290984},{"word":"got","start":65.09,"end":65.33,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10953257232904434},{"word":"your","start":65.33,"end":65.73,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09106449037790298},{"word":"email","start":65.73,"end":66.05,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1227155700325966},{"word":"address","start":66.05,"end":66.37,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.08763612806797028},{"word":"here","start":66.37,"end":66.69,"confidence":0.9082031,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.12673768401145935},{"word":"kaylee","start":66.69,"end":67.19,"confidence":0.99658203,"punctuated_word":"Kaylee","sentiment":"neutral","sentiment_score":0.12251430004835127},{"word":"foster","start":67.25,"end":67.73,"confidence":0.9328613,"punctuated_word":"Foster.","sentiment":"neutral","sentiment_score":0.14241063594818115},{"word":"so","start":67.73,"end":67.89,"confidence":0.87353516,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13371802866458893},{"word":"that's","start":67.89,"end":68.05,"confidence":0.99609375,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.147880882024765},{"word":"your","start":68.05,"end":68.29,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1352108120918274},{"word":"updated","start":68.29,"end":68.770004,"confidence":1.0,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.17117834091186523},{"word":"email","start":68.770004,"end":69.09,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.14417032897472382},{"word":"address","start":69.09,"end":69.41,"confidence":0.99853516,"punctuated_word":"address.","sentiment":"neutral","sentiment_score":0.13298405706882477},{"word":"correct","start":69.41,"end":69.91,"confidence":0.9995117,"punctuated_word":"Correct?","sentiment":"neutral","sentiment_score":0.12547437846660614},{"word":"yep","start":71.524994,"end":71.84499,"confidence":0.9501953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1059771478176117},{"word":"so","start":71.84499,"end":72.005,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07628260552883148},{"word":"i'll","start":72.005,"end":72.16499,"confidence":0.9946289,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10488161444664},{"word":"just","start":72.16499,"end":72.325,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14117078483104706},{"word":"pop","start":72.325,"end":72.564995,"confidence":0.9770508,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.13693317770957947},{"word":"that","start":72.564995,"end":72.725,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12216223776340485},{"word":"through","start":72.725,"end":73.045,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1301443576812744},{"word":"to","start":73.045,"end":73.125,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14832602441310885},{"word":"you","start":73.125,"end":73.204994,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16091668605804443},{"word":"now","start":73.204994,"end":73.704994,"confidence":0.9279785,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.14473536610603333},{"word":"will","start":73.84499,"end":74.085,"confidence":0.67529297,"punctuated_word":"Will","sentiment":"neutral","sentiment_score":0.05685413256287575},{"word":"you","start":74.085,"end":74.16499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09527688473463058},{"word":"be","start":74.16499,"end":74.244995,"confidence":0.8798828,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0923033356666565},{"word":"able","start":74.244995,"end":74.325,"confidence":0.99902344,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.10119806230068208},{"word":"to","start":74.325,"end":74.405,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09972035884857178},{"word":"look","start":74.405,"end":74.564995,"confidence":0.9951172,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0927937999367714},{"word":"on","start":74.564995,"end":74.725,"confidence":0.49853516,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07080796360969543},{"word":"any","start":74.725,"end":74.884995,"confidence":0.5859375,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.09547489136457445},{"word":"of","start":74.884995,"end":75.045,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07387802749872208},{"word":"the","start":75.045,"end":75.125,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07905620336532593},{"word":"documents","start":75.125,"end":75.524994,"confidence":0.9970703,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.07339540868997574},{"word":"with","start":75.524994,"end":75.685,"confidence":0.9140625,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06825480610132217},{"word":"me","start":75.685,"end":75.84499,"confidence":0.99609375,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10896582901477814},{"word":"today","start":75.84499,"end":76.16499,"confidence":0.80615234,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.097250834107399},{"word":"or","start":76.16499,"end":76.325,"confidence":0.9770508,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06833785772323608},{"word":"should","start":76.325,"end":76.405,"confidence":0.52490234,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.03919095546007157},{"word":"i","start":76.405,"end":76.485,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06833904981613159},{"word":"just","start":76.485,"end":76.725,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07670305669307709},{"word":"kind","start":76.725,"end":76.965,"confidence":0.69384766,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08867829293012619},{"word":"of","start":76.965,"end":77.045,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06809493899345398},{"word":"look","start":77.045,"end":77.284996,"confidence":0.7915039,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04200651496648789},{"word":"through","start":77.284996,"end":77.524994,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04137328639626503},{"word":"what's","start":77.524994,"end":77.765,"confidence":0.99609375,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.04878724738955498},{"word":"there","start":77.765,"end":78.265,"confidence":0.9921875,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.05795609578490257},{"word":"cool","start":83.47,"end":83.71,"confidence":0.7174072,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.31745028495788574},{"word":"so","start":83.71,"end":83.79,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16852830350399017},{"word":"i'm","start":83.79,"end":83.869995,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1772012710571289},{"word":"gonna","start":83.869995,"end":84.189995,"confidence":0.9326172,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.211018830537796},{"word":"send","start":84.189995,"end":84.35,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.14791840314865112},{"word":"that","start":84.35,"end":84.509995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1746567338705063},{"word":"through","start":84.509995,"end":84.75,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1850072145462036},{"word":"now","start":84.75,"end":85.149994,"confidence":0.9970703,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.18019019067287445},{"word":"there's","start":85.149994,"end":85.549995,"confidence":0.99853516,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.09302331507205965},{"word":"a","start":85.549995,"end":85.71,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09397228807210922},{"word":"number","start":85.71,"end":85.95,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.0906294658780098},{"word":"of","start":85.95,"end":86.189995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08489841222763062},{"word":"attachments","start":86.189995,"end":86.67,"confidence":0.9819336,"punctuated_word":"attachments","sentiment":"neutral","sentiment_score":0.08068488538265228},{"word":"that","start":86.67,"end":86.829994,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09761734306812286},{"word":"go","start":86.829994,"end":87.07,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07954666763544083},{"word":"along","start":87.07,"end":87.31,"confidence":1.0,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.11085151135921478},{"word":"with","start":87.31,"end":87.47,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13410986959934235},{"word":"it","start":87.47,"end":87.95,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1458663046360016},{"word":"and","start":87.95,"end":88.45,"confidence":0.85546875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06451152265071869},{"word":"a","start":88.509995,"end":88.67,"confidence":0.7597656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09508520364761353},{"word":"digital","start":88.67,"end":89.17,"confidence":0.9980469,"punctuated_word":"digital","sentiment":"neutral","sentiment_score":0.02703031711280346},{"word":"authorization","start":89.39,"end":89.89,"confidence":0.99609375,"punctuated_word":"authorization","sentiment":"neutral","sentiment_score":0.04677008092403412},{"word":"link","start":90.189995,"end":90.35,"confidence":0.99902344,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.04176779091358185},{"word":"as","start":90.35,"end":90.59,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06109514832496643},{"word":"well","start":90.59,"end":91.09,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.038303032517433167},{"word":"it","start":92.43,"end":92.59,"confidence":0.8925781,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.08358437567949295},{"word":"is","start":92.59,"end":92.829994,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10099611431360243},{"word":"coming","start":92.829994,"end":93.149994,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.0868164673447609},{"word":"from","start":93.149994,"end":93.39,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.10220398008823396},{"word":"our","start":93.39,"end":93.549995,"confidence":0.59277344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.11063145101070404},{"word":"new","start":93.549995,"end":93.78999,"confidence":0.98828125,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.10357575863599776},{"word":"system","start":93.78999,"end":94.11,"confidence":0.87719727,"punctuated_word":"system,","sentiment":"neutral","sentiment_score":-0.12045183032751083},{"word":"so","start":94.11,"end":94.35,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.10074768215417862},{"word":"it","start":94.35,"end":94.509995,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.091984823346138},{"word":"might","start":94.509995,"end":94.75,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.08593077957630157},{"word":"go","start":94.75,"end":94.909996,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.10095125436782836},{"word":"through","start":94.909996,"end":95.149994,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.10758856683969498},{"word":"your","start":95.149994,"end":95.39,"confidence":0.9350586,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.13968613743782043},{"word":"spam","start":95.39,"end":95.71,"confidence":0.95947266,"punctuated_word":"spam","sentiment":"neutral","sentiment_score":-0.111661396920681},{"word":"box","start":95.71,"end":96.03,"confidence":0.9902344,"punctuated_word":"box","sentiment":"neutral","sentiment_score":-0.13313117623329165},{"word":"or","start":96.03,"end":96.27,"confidence":0.99121094,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.15339094400405884},{"word":"main","start":96.27,"end":96.509995,"confidence":0.97998047,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.1668507307767868},{"word":"inbox","start":96.509995,"end":97.009995,"confidence":0.98291016,"punctuated_word":"inbox.","sentiment":"neutral","sentiment_score":-0.09482821077108385},{"word":"so","start":97.229996,"end":97.39,"confidence":0.93359375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07544607669115067},{"word":"if","start":97.39,"end":97.47,"confidence":0.93408203,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11135240644216536},{"word":"you","start":97.47,"end":97.63,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10207679867744446},{"word":"can","start":97.63,"end":97.71,"confidence":0.6323242,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.07309266924858093},{"word":"just","start":97.71,"end":98.03,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08461788296699524},{"word":"check","start":98.03,"end":98.35,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.03556815907359123},{"word":"both","start":98.35,"end":98.85,"confidence":0.782959,"punctuated_word":"both.","sentiment":"neutral","sentiment_score":-0.03938984125852585},{"word":"it's","start":102.155,"end":102.315,"confidence":0.9770508,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.005272257141768932},{"word":"croatia","start":102.315,"end":102.815,"confidence":0.767334,"punctuated_word":"Croatia.","sentiment":"neutral","sentiment_score":0.009149949066340923},{"word":"yep","start":102.955,"end":103.455,"confidence":0.83251953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06923520565032959},{"word":"perfect","start":104.315,"end":104.795,"confidence":0.8220215,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4298174381256103},{"word":"so","start":104.795,"end":105.295,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11340603977441788},{"word":"there's","start":105.915,"end":106.415,"confidence":0.97558594,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.16406932473182678},{"word":"pdf","start":106.555,"end":107.055,"confidence":0.9550781,"punctuated_word":"PDF","sentiment":"neutral","sentiment_score":0.15092965960502625},{"word":"attachments","start":107.115005,"end":107.595,"confidence":0.921875,"punctuated_word":"attachments","sentiment":"neutral","sentiment_score":0.122628316283226},{"word":"at","start":107.595,"end":107.675,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1083107441663742},{"word":"the","start":107.675,"end":107.835,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15941593050956726},{"word":"bottom","start":107.835,"end":108.235,"confidence":0.79003906,"punctuated_word":"bottom,","sentiment":"neutral","sentiment_score":0.1369306445121765},{"word":"and","start":108.235,"end":108.475,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1185586154460907},{"word":"that","start":108.475,"end":108.715004,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11943922191858292},{"word":"includes","start":108.715004,"end":109.215004,"confidence":1.0,"punctuated_word":"includes","sentiment":"neutral","sentiment_score":0.12628039717674255},{"word":"performance","start":109.435,"end":109.935,"confidence":0.99902344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.1387028843164444},{"word":"reports","start":110.075005,"end":110.475,"confidence":0.9970703,"punctuated_word":"reports","sentiment":"neutral","sentiment_score":0.14613260328769684},{"word":"for","start":110.475,"end":110.795,"confidence":0.9604492,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1327383816242218},{"word":"both","start":110.795,"end":111.035,"confidence":0.9892578,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.10163020342588425},{"word":"hub","start":111.035,"end":111.355,"confidence":0.8154297,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.12094777077436449},{"word":"accounts","start":111.355,"end":111.835,"confidence":0.9790039,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.1172369122505188},{"word":"as","start":111.835,"end":111.995,"confidence":0.7714844,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1427856683731079},{"word":"well","start":111.995,"end":112.235,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.15846769511699677},{"word":"as","start":112.235,"end":112.395004,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16698478162288666},{"word":"your","start":112.395004,"end":112.635,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19112026691436768},{"word":"current","start":112.635,"end":113.035,"confidence":0.99902344,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.13895632326602936},{"word":"account","start":113.035,"end":113.355,"confidence":0.11987305,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.11125434935092926},{"word":"policy","start":113.355,"end":113.855,"confidence":0.875,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":0.1179625168442726},{"word":"so","start":114.45,"end":114.95,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0982792153954506},{"word":"i'm","start":115.17,"end":115.49,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07050538063049316},{"word":"just","start":115.49,"end":115.81,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05609498545527458},{"word":"gonna","start":115.81,"end":116.049995,"confidence":0.9863281,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.05029428377747536},{"word":"go","start":116.049995,"end":116.21,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07299727201461792},{"word":"through","start":116.21,"end":116.45,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08546767383813858},{"word":"the","start":116.45,"end":116.69,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05155930295586586},{"word":"details","start":116.69,"end":117.09,"confidence":1.0,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.04639485478401184},{"word":"that","start":117.09,"end":117.25,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.035690076649188995},{"word":"we","start":117.25,"end":117.49,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03650354593992233},{"word":"have","start":117.49,"end":117.89,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02888857200741768},{"word":"because","start":117.89,"end":118.39,"confidence":0.8520508,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.016320303082466125},{"word":"i'm","start":118.69,"end":118.93,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.050189390778541565},{"word":"trying","start":118.93,"end":119.17,"confidence":0.99902344,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.08016645163297653},{"word":"to","start":119.17,"end":119.33,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07457484304904938},{"word":"make","start":119.33,"end":119.49,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05722036957740784},{"word":"sure","start":119.49,"end":119.81,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.0776992216706276},{"word":"everything","start":119.81,"end":120.13,"confidence":0.99609375,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.1143662929534912},{"word":"on","start":120.13,"end":120.29,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11418414115905762},{"word":"the","start":120.29,"end":120.369995,"confidence":0.44140625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.141325905919075},{"word":"new","start":120.369995,"end":120.53,"confidence":0.68896484,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.1283842772245407},{"word":"system","start":120.53,"end":120.93,"confidence":1.0,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.07984170317649841},{"word":"updates","start":120.93,"end":121.43,"confidence":0.99316406,"punctuated_word":"updates","sentiment":"neutral","sentiment_score":0.1464221179485321},{"word":"and","start":121.65,"end":121.97,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08650839328765869},{"word":"matches","start":121.97,"end":122.29,"confidence":0.95410156,"punctuated_word":"matches","sentiment":"neutral","sentiment_score":0.07899133861064911},{"word":"for","start":122.29,"end":122.45,"confidence":0.9707031,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08716009557247162},{"word":"both","start":122.45,"end":122.69,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.1144372820854187},{"word":"of","start":122.69,"end":122.77,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0999104231595993},{"word":"you","start":122.77,"end":122.93,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11169582605361938},{"word":"guys","start":122.93,"end":123.43,"confidence":0.9289551,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":0.06160347908735275},{"word":"and","start":124.85,"end":125.33,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.025890719145536423},{"word":"i'm","start":125.33,"end":125.57,"confidence":0.99609375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.017651468515396118},{"word":"gonna","start":125.57,"end":125.81,"confidence":0.98828125,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.010565771721303465},{"word":"just","start":125.81,"end":126.05,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.005341820418834686},{"word":"kind","start":126.05,"end":126.29,"confidence":0.71875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.001866638660430908},{"word":"of","start":126.29,"end":126.369995,"confidence":0.97802734,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.013741999864578249},{"word":"wait","start":126.369995,"end":126.869995,"confidence":0.54345703,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.002980504184961319},{"word":"so","start":130.69499,"end":130.775,"confidence":0.3461914,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.009713854640722277},{"word":"just","start":130.775,"end":130.935,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0062787942588329315},{"word":"bear","start":130.935,"end":131.175,"confidence":0.9951172,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":-0.011207260191440582},{"word":"with","start":131.175,"end":131.33499,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.020328909158706665},{"word":"me","start":131.33499,"end":131.495,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0011894218623638153},{"word":"for","start":131.495,"end":131.735,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.009209491312503816},{"word":"a","start":131.735,"end":131.815,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.003727402538061142},{"word":"moment","start":131.815,"end":132.135,"confidence":0.9914551,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.03074955567717552},{"word":"i'm","start":132.135,"end":132.295,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03400528430938721},{"word":"just","start":132.295,"end":132.535,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04139997065067291},{"word":"gonna","start":132.535,"end":132.775,"confidence":0.9902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0316786989569664},{"word":"run","start":132.775,"end":133.015,"confidence":0.99902344,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.03533638268709183},{"word":"through","start":133.015,"end":133.495,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04629409313201904},{"word":"what","start":133.495,"end":133.735,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03676339238882065},{"word":"we","start":133.735,"end":133.97499,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.028983497992157936},{"word":"have","start":133.97499,"end":134.47499,"confidence":0.99853516,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.0349641889333725},{"word":"so","start":135.33499,"end":135.735,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.046921540051698685},{"word":"we've","start":135.735,"end":135.97499,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.06831834465265274},{"word":"got","start":135.97499,"end":136.47499,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05945080518722534},{"word":"you're","start":137.33499,"end":137.495,"confidence":0.9951172,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.061338625848293304},{"word":"obviously","start":137.495,"end":137.995,"confidence":0.95703125,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.06311668455600739},{"word":"married","start":138.295,"end":138.69499,"confidence":0.9970703,"punctuated_word":"married","sentiment":"neutral","sentiment_score":0.04887966066598892},{"word":"to","start":138.69499,"end":139.015,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08861010521650314},{"word":"joe","start":139.015,"end":139.515,"confidence":0.95947266,"punctuated_word":"Joe.","sentiment":"neutral","sentiment_score":0.05450521409511566},{"word":"you've","start":139.735,"end":140.135,"confidence":0.99902344,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.0774960070848465},{"word":"got","start":140.135,"end":140.535,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08482418954372406},{"word":"lila","start":140.535,"end":140.935,"confidence":0.86832684,"punctuated_word":"Lila,","sentiment":"neutral","sentiment_score":0.08673231303691864},{"word":"just","start":140.935,"end":141.175,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06649040430784225},{"word":"the","start":141.175,"end":141.33499,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0779479444026947},{"word":"one","start":141.33499,"end":141.495,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.057648979127407074},{"word":"child","start":141.495,"end":141.815,"confidence":1.0,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.03763438016176224},{"word":"at","start":141.815,"end":141.895,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05245942622423172},{"word":"the","start":141.895,"end":142.055,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06207067891955376},{"word":"moment","start":142.055,"end":142.555,"confidence":0.9572754,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.05213748663663864},{"word":"fantastic","start":144.86,"end":145.36,"confidence":0.73583984,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6766454577445984},{"word":"and","start":146.14,"end":146.64,"confidence":0.99902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.36949214339256287},{"word":"i","start":147.09999,"end":147.34,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2267705649137497},{"word":"did","start":147.34,"end":147.73999,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.23938922584056857},{"word":"see","start":147.73999,"end":148.06,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.3011361062526703},{"word":"something","start":148.06,"end":148.56,"confidence":0.8937988,"punctuated_word":"something,","sentiment":"neutral","sentiment_score":0.14101570844650269},{"word":"i","start":148.7,"end":148.78,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06691717356443405},{"word":"think","start":148.78,"end":149.09999,"confidence":0.9567871,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.08035256713628769},{"word":"in","start":149.09999,"end":149.59999,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07033266127109528},{"word":"twenty","start":149.73999,"end":150.23999,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.06319399178028107},{"word":"twenty","start":150.45999,"end":150.94,"confidence":0.8222656,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.05918345600366592},{"word":"four","start":150.94,"end":151.42,"confidence":0.96655273,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.04532112553715706},{"word":"twenty","start":151.42,"end":151.81999,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.04128647968173027},{"word":"five","start":151.81999,"end":152.06,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.023248612880706787},{"word":"that","start":152.06,"end":152.29999,"confidence":0.9243164,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03132248297333717},{"word":"you","start":152.29999,"end":152.45999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.038277518004179},{"word":"were","start":152.45999,"end":152.62,"confidence":0.9819336,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.019186846911907196},{"word":"off","start":152.62,"end":152.78,"confidence":0.9941406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.058856625109910965},{"word":"for","start":152.78,"end":153.01999,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.021447762846946716},{"word":"about","start":153.01999,"end":153.34,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.002552550286054611},{"word":"six","start":153.34,"end":153.58,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.007208950817584992},{"word":"weeks","start":153.58,"end":153.81999,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":-0.004688568413257599},{"word":"or","start":153.81999,"end":154.06,"confidence":0.99316406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04116907715797424},{"word":"so","start":154.06,"end":154.37999,"confidence":0.9951172,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.07541252672672272},{"word":"is","start":154.37999,"end":154.54,"confidence":0.6660156,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.04923026263713837},{"word":"that","start":154.54,"end":155.04,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07837892323732376},{"word":"your","start":155.645,"end":156.04501,"confidence":0.92089844,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03950406610965729},{"word":"second","start":156.04501,"end":156.365,"confidence":0.9980469,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.014599502086639404},{"word":"shot","start":156.365,"end":156.60501,"confidence":0.39819336,"punctuated_word":"shot","sentiment":"neutral","sentiment_score":0.007802595384418964},{"word":"about","start":156.60501,"end":156.925,"confidence":0.64404297,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.010896526277065275},{"word":"two","start":156.925,"end":157.425,"confidence":0.98999023,"punctuated_word":"two?","sentiment":"neutral","sentiment_score":0.01667463406920433},{"word":"okay","start":162.925,"end":163.405,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.028891917318105698},{"word":"and","start":163.405,"end":163.725,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.019662491977214813},{"word":"your","start":163.725,"end":164.125,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02510446310043335},{"word":"second","start":164.125,"end":164.445,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.03210766240954399},{"word":"daughter's","start":164.445,"end":164.845,"confidence":0.99609375,"punctuated_word":"daughter's","sentiment":"neutral","sentiment_score":0.021476998925209045},{"word":"name","start":164.845,"end":165.345,"confidence":0.99316406,"punctuated_word":"name?","sentiment":"neutral","sentiment_score":0.029587697237730023},{"word":"vienna","start":167.405,"end":167.88501,"confidence":0.39953613,"punctuated_word":"Vienna.","sentiment":"neutral","sentiment_score":0.008478159084916115},{"word":"is","start":167.88501,"end":168.04501,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.016072750091552734},{"word":"that","start":168.04501,"end":168.205,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0315958708524704},{"word":"with","start":168.205,"end":168.365,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.024247344583272937},{"word":"a","start":168.365,"end":168.52501,"confidence":0.9560547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0269063338637352},{"word":"n","start":168.52501,"end":168.76501,"confidence":0.8173828,"punctuated_word":"n","sentiment":"neutral","sentiment_score":0.026558831334114075},{"word":"n","start":168.76501,"end":169.005,"confidence":0.8173828,"punctuated_word":"n","sentiment":"neutral","sentiment_score":0.016758712008595467},{"word":"a","start":169.005,"end":169.505,"confidence":0.9406738,"punctuated_word":"a?","sentiment":"neutral","sentiment_score":0.020060410723090172},{"word":"perfect","start":171.51,"end":171.98999,"confidence":0.951416,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.41351157426834106},{"word":"okay","start":171.98999,"end":172.31,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.134893000125885},{"word":"so","start":172.31,"end":172.62999,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06625543534755707},{"word":"quick","start":172.62999,"end":172.79,"confidence":0.890625,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.08366668224334717},{"word":"question","start":172.79,"end":173.11,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.10469832271337508},{"word":"on","start":173.11,"end":173.26999,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05298349633812904},{"word":"that","start":173.26999,"end":173.43,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04274344444274902},{"word":"one","start":173.43,"end":173.91,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.03407420963048935},{"word":"is","start":173.91,"end":174.31,"confidence":0.5966797,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03679722547531128},{"word":"you've","start":174.31,"end":174.62999,"confidence":0.95654297,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04310177266597748},{"word":"got","start":174.62999,"end":175.03,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06367449462413788},{"word":"myla","start":175.03,"end":175.43,"confidence":0.7807617,"punctuated_word":"Myla","sentiment":"neutral","sentiment_score":0.07832597196102142},{"word":"listed","start":175.43,"end":175.75,"confidence":0.9921875,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.08498385548591614},{"word":"as","start":175.75,"end":175.83,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11117623746395112},{"word":"your","start":175.83,"end":176.06999,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06471357494592667},{"word":"beneficiary","start":176.06999,"end":176.56999,"confidence":0.99902344,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.11980362981557846},{"word":"for","start":176.62999,"end":176.79,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12475115805864334},{"word":"the","start":176.79,"end":177.03,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1389983296394348},{"word":"super","start":177.03,"end":177.53,"confidence":0.95947266,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.15636596083641052},{"word":"to","start":177.83,"end":177.98999,"confidence":0.78808594,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1212608814239502},{"word":"receive","start":177.98999,"end":178.39,"confidence":0.99902344,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.0888662189245224},{"word":"all","start":178.39,"end":178.47,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.08400250971317291},{"word":"the","start":178.47,"end":178.70999,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08200928568840027},{"word":"superannuation","start":178.70999,"end":179.20999,"confidence":0.9781494,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.09282414615154266},{"word":"would","start":179.91,"end":180.15,"confidence":1.0,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.03607449680566788},{"word":"you","start":180.15,"end":180.31,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03668447211384773},{"word":"like","start":180.31,"end":180.47,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.02490329742431641},{"word":"to","start":180.47,"end":180.70999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0426584929227829},{"word":"update","start":180.70999,"end":181.11,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.048428911715745926},{"word":"that","start":181.11,"end":181.605,"confidence":0.9995117,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.059956617653369904},{"word":"yep","start":185.205,"end":185.525,"confidence":0.9633789,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07129986584186554},{"word":"so","start":185.525,"end":185.685,"confidence":0.9550781,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05508820712566376},{"word":"just","start":185.685,"end":185.845,"confidence":0.9536133,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.045892078429460526},{"word":"a","start":185.845,"end":186.00499,"confidence":0.9604492,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.055765748023986816},{"word":"fifty","start":186.00499,"end":186.325,"confidence":1.0,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.05027884617447853},{"word":"fifty","start":186.325,"end":186.72499,"confidence":0.9404297,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.03364604711532593},{"word":"split","start":186.72499,"end":186.965,"confidence":0.9902344,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.03902355208992958},{"word":"between","start":186.965,"end":187.205,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.035809095948934555},{"word":"them","start":187.205,"end":187.705,"confidence":0.7895508,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.06412826478481293},{"word":"perfect","start":190.245,"end":190.745,"confidence":0.99609375,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3580934405326843},{"word":"now","start":190.805,"end":191.045,"confidence":0.9326172,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.16200214624404907},{"word":"just","start":191.045,"end":191.28499,"confidence":0.98535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09943094849586488},{"word":"bear","start":191.28499,"end":191.525,"confidence":0.9980469,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":0.08686323463916779},{"word":"in","start":191.525,"end":191.605,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07573740929365158},{"word":"mind","start":191.605,"end":191.845,"confidence":0.9770508,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":0.14057159423828125},{"word":"of","start":191.845,"end":192.00499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01102583110332489},{"word":"course","start":192.00499,"end":192.245,"confidence":0.98950195,"punctuated_word":"course,","sentiment":"neutral","sentiment_score":0.029973335564136505},{"word":"to","start":192.245,"end":192.325,"confidence":0.4724121,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002427943050861358},{"word":"anyone","start":192.325,"end":192.64499,"confidence":1.0,"punctuated_word":"anyone","sentiment":"neutral","sentiment_score":0.02802399918437004},{"word":"who's","start":192.64499,"end":192.885,"confidence":0.9916992,"punctuated_word":"who's","sentiment":"neutral","sentiment_score":-0.0011963050346821549},{"word":"under","start":192.885,"end":193.205,"confidence":0.99902344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.00435253232717514},{"word":"18","start":193.205,"end":193.705,"confidence":0.704834,"punctuated_word":"18,","sentiment":"neutral","sentiment_score":-0.004309475421905518},{"word":"if","start":194.39,"end":194.63,"confidence":0.99121094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0065961722284555435},{"word":"you","start":194.63,"end":194.95,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.034608371555805206},{"word":"pass","start":194.95,"end":195.27,"confidence":0.9716797,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.06974053382873535},{"word":"away","start":195.27,"end":195.67,"confidence":0.99902344,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.004192553460597992},{"word":"and","start":195.67,"end":195.99,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00110761821269989},{"word":"they","start":195.99,"end":196.47,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.03285260498523712},{"word":"receive","start":196.47,"end":196.87,"confidence":0.6533203,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.009050734341144562},{"word":"your","start":196.87,"end":197.11,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03914060443639755},{"word":"super","start":197.11,"end":197.61,"confidence":0.95874023,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.08422315120697021},{"word":"whoever's","start":198.07,"end":198.57,"confidence":0.74609375,"punctuated_word":"whoever's","sentiment":"neutral","sentiment_score":0.040533166378736496},{"word":"kind","start":198.71,"end":198.95,"confidence":0.98095703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.033462315797805786},{"word":"of","start":198.95,"end":199.11,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.040440984070301056},{"word":"their","start":199.11,"end":199.35,"confidence":0.56689453,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.01181066781282425},{"word":"guardian","start":199.35,"end":199.85,"confidence":0.9921875,"punctuated_word":"guardian","sentiment":"neutral","sentiment_score":0.04847594350576401},{"word":"for","start":200.39,"end":200.87,"confidence":0.73876953,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03212004154920578},{"word":"general","start":200.87,"end":201.27,"confidence":0.56591797,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.050342362374067307},{"word":"or","start":201.27,"end":201.35,"confidence":0.62646484,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05770315229892731},{"word":"whoever","start":201.35,"end":201.83,"confidence":0.9980469,"punctuated_word":"whoever","sentiment":"neutral","sentiment_score":0.04590481519699097},{"word":"at","start":201.83,"end":201.99,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.043342698365449905},{"word":"the","start":201.99,"end":202.07,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06233999878168106},{"word":"time","start":202.07,"end":202.57,"confidence":0.98291016,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.06945578753948212},{"word":"they'll","start":202.63,"end":202.87,"confidence":0.7717285,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.07479286193847656},{"word":"obviously","start":202.87,"end":203.35,"confidence":0.9760742,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.07136882841587067},{"word":"be","start":203.35,"end":203.51,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07053178548812866},{"word":"looking","start":203.51,"end":203.75,"confidence":0.9980469,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.04488811269402504},{"word":"after","start":203.75,"end":204.07,"confidence":0.9970703,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.07721784710884094},{"word":"the","start":204.07,"end":204.23,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09382642805576324},{"word":"funds","start":204.23,"end":204.47,"confidence":0.9921875,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.09355601668357848},{"word":"on","start":204.47,"end":204.63,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08771716058254242},{"word":"their","start":204.63,"end":204.87,"confidence":0.9941406,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.04718061909079552},{"word":"behalf","start":204.87,"end":205.11,"confidence":0.9873047,"punctuated_word":"behalf","sentiment":"neutral","sentiment_score":0.0775594413280487},{"word":"until","start":205.11,"end":205.51,"confidence":0.9980469,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.06611594557762146},{"word":"they're","start":205.51,"end":205.67,"confidence":0.85253906,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.029052909463644028},{"word":"18","start":205.67,"end":206.17,"confidence":0.9616699,"punctuated_word":"18.","sentiment":"neutral","sentiment_score":0.05306852236390114},{"word":"perfect","start":208.78499,"end":209.265,"confidence":0.99609375,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5433425307273865},{"word":"we're","start":209.265,"end":209.50499,"confidence":0.9951172,"punctuated_word":"We're","sentiment":"positive","sentiment_score":0.42892932891845703},{"word":"still","start":209.50499,"end":209.745,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3958491086959839},{"word":"in","start":209.745,"end":209.985,"confidence":0.9199219,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.33821210265159607},{"word":"upper","start":209.985,"end":210.305,"confidence":0.34326172,"punctuated_word":"Upper","sentiment":"positive","sentiment_score":0.35752740502357483},{"word":"kumara","start":210.305,"end":210.78499,"confidence":0.52522784,"punctuated_word":"Kumara,","sentiment":"neutral","sentiment_score":0.3192976713180542},{"word":"so","start":210.78499,"end":210.94499,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.3237983286380768},{"word":"that's","start":210.94499,"end":211.265,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5762621164321899},{"word":"great","start":211.265,"end":211.765,"confidence":0.99902344,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.5388185977935791},{"word":"when","start":212.305,"end":212.545,"confidence":0.8540039,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.09663567692041396},{"word":"it","start":212.545,"end":212.78499,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07703708112239838},{"word":"comes","start":212.78499,"end":213.105,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.07480933517217636},{"word":"to","start":213.105,"end":213.605,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07441592216491699},{"word":"the","start":213.825,"end":214.14499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07812193036079407},{"word":"occupation","start":214.14499,"end":214.64499,"confidence":0.98535156,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":0.14525307714939115},{"word":"side","start":214.70499,"end":214.86499,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.056841205805540085},{"word":"of","start":214.86499,"end":215.025,"confidence":0.9707031,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07170651853084564},{"word":"it","start":215.025,"end":215.525,"confidence":0.6398926,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.06881935149431229},{"word":"so","start":215.58499,"end":215.825,"confidence":0.9902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0906924307346344},{"word":"you're","start":215.825,"end":216.06499,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.08967100828886032},{"word":"still","start":216.06499,"end":216.305,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0949016660451889},{"word":"with","start":216.305,"end":216.545,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.055724456906318665},{"word":"hexicore","start":216.545,"end":217.045,"confidence":0.81884766,"punctuated_word":"Hexicore,","sentiment":"neutral","sentiment_score":0.0961459055542946},{"word":"i","start":217.185,"end":217.345,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08895176649093628},{"word":"believe","start":217.345,"end":217.825,"confidence":0.79003906,"punctuated_word":"believe.","sentiment":"neutral","sentiment_score":0.10500827431678772},{"word":"that's","start":217.825,"end":218.14499,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11074187606573103},{"word":"coming","start":218.14499,"end":218.465,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.10761810839176178},{"word":"through","start":218.465,"end":218.78499,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0916370525956154},{"word":"from","start":218.78499,"end":218.94499,"confidence":0.79296875,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1531955748796463},{"word":"your","start":218.94499,"end":219.185,"confidence":0.8598633,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16196411848068237},{"word":"contributions","start":219.185,"end":219.685,"confidence":0.85058594,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.10792200267314912},{"word":"yep","start":219.825,"end":220.325,"confidence":0.95996094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07130809128284454},{"word":"can","start":221.0,"end":221.32,"confidence":0.9873047,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.03426045924425125},{"word":"you","start":221.32,"end":221.40001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03536710888147354},{"word":"just","start":221.40001,"end":221.64,"confidence":0.984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.047838032245635986},{"word":"briefly","start":221.64,"end":221.96,"confidence":0.9819336,"punctuated_word":"briefly","sentiment":"neutral","sentiment_score":0.04426966980099678},{"word":"walk","start":221.96,"end":222.2,"confidence":0.9970703,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.05923594906926155},{"word":"me","start":222.2,"end":222.44,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.036731138825416565},{"word":"through","start":222.44,"end":222.76001,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.03450389206409454},{"word":"i","start":222.92,"end":223.08,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.030362162739038467},{"word":"think","start":223.08,"end":223.32,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.022162020206451416},{"word":"your","start":223.32,"end":223.56,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.032138288021087646},{"word":"income","start":223.56,"end":223.88,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.05816702917218208},{"word":"was","start":223.88,"end":224.12,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.024141350761055943},{"word":"listed","start":224.12,"end":224.36,"confidence":0.9970703,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.02427033707499504},{"word":"as","start":224.36,"end":224.52,"confidence":0.7421875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03495506942272186},{"word":"a","start":224.52,"end":224.6,"confidence":0.9482422,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04861191660165787},{"word":"$140,000","start":224.6,"end":225.96,"confidence":0.99523926,"punctuated_word":"$140,000","sentiment":"neutral","sentiment_score":0.05988100916147232},{"word":"base","start":225.96,"end":226.46,"confidence":0.8613281,"punctuated_word":"base.","sentiment":"neutral","sentiment_score":0.04291858524084091},{"word":"okay","start":228.76001,"end":229.26001,"confidence":0.93652344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03968305140733719},{"word":"do","start":229.72,"end":229.88,"confidence":0.99121094,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.015243541449308395},{"word":"you","start":229.88,"end":230.04001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003047119826078415},{"word":"have","start":230.04001,"end":230.28,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.007567878812551498},{"word":"anything","start":230.28,"end":230.76001,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.02221810817718506},{"word":"above","start":230.76001,"end":231.08,"confidence":0.99902344,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.011239416897296906},{"word":"that","start":231.08,"end":231.24,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.019345037639141083},{"word":"in","start":231.24,"end":231.48,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.006737805902957916},{"word":"terms","start":231.48,"end":231.8,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.001386396586894989},{"word":"of","start":231.8,"end":231.96,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011759273707866669},{"word":"bonuses","start":231.96,"end":232.46,"confidence":0.9892578,"punctuated_word":"bonuses","sentiment":"neutral","sentiment_score":0.04498765617609024},{"word":"or","start":232.52,"end":232.68001,"confidence":0.9741211,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.011034533381462095},{"word":"anything","start":232.68001,"end":232.92,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.011949107050895693},{"word":"that","start":232.92,"end":233.16,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.026170924305915833},{"word":"i","start":233.16,"end":233.24,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.006962016224861145},{"word":"need","start":233.24,"end":233.40001,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.02883634716272354},{"word":"to","start":233.40001,"end":233.56,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004634164273738861},{"word":"take","start":233.56,"end":233.72,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.0009443908929824828},{"word":"into","start":233.72,"end":234.04001,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.007509306073188782},{"word":"account","start":234.04001,"end":234.54001,"confidence":0.9970703,"punctuated_word":"account?","sentiment":"neutral","sentiment_score":0.017386101186275482},{"word":"50","start":251.13,"end":251.45001,"confidence":0.77978516,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.00925295613706112},{"word":"k","start":251.45001,"end":251.77,"confidence":0.99609375,"punctuated_word":"k","sentiment":"neutral","sentiment_score":0.01890222355723381},{"word":"in","start":251.77,"end":252.01001,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03796285018324852},{"word":"bonuses","start":252.01001,"end":252.51001,"confidence":0.9980469,"punctuated_word":"bonuses.","sentiment":"neutral","sentiment_score":0.03657330200076103},{"word":"wow","start":256.17,"end":256.41,"confidence":0.9741211,"punctuated_word":"Wow.","sentiment":"positive","sentiment_score":0.6091697216033936},{"word":"that's","start":256.41,"end":256.65,"confidence":0.9658203,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7879709601402283},{"word":"amazing","start":256.65,"end":257.05002,"confidence":0.9790039,"punctuated_word":"amazing.","sentiment":"positive","sentiment_score":0.7679843902587891},{"word":"almost","start":257.05002,"end":257.29,"confidence":0.9941406,"punctuated_word":"Almost","sentiment":"positive","sentiment_score":0.4919840395450592},{"word":"at","start":257.29,"end":257.45,"confidence":0.9580078,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5219943523406982},{"word":"the","start":257.45,"end":257.53,"confidence":0.9873047,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5744038224220276},{"word":"$200,000","start":257.53,"end":258.49002,"confidence":0.983724,"punctuated_word":"$200,000","sentiment":"positive","sentiment_score":0.5015978217124939},{"word":"mark","start":258.49002,"end":258.65,"confidence":0.953125,"punctuated_word":"mark.","sentiment":"positive","sentiment_score":0.47658342123031616},{"word":"you","start":258.65,"end":258.81,"confidence":0.9716797,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.3984318673610687},{"word":"probably","start":258.81,"end":259.13,"confidence":0.99609375,"punctuated_word":"probably","sentiment":"positive","sentiment_score":0.3998609781265259},{"word":"will","start":259.13,"end":259.37,"confidence":0.98535156,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.3935479521751404},{"word":"hit","start":259.37,"end":259.53,"confidence":1.0,"punctuated_word":"hit","sentiment":"positive","sentiment_score":0.4647951126098633},{"word":"that","start":259.53,"end":259.93,"confidence":0.9819336,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4542969763278961},{"word":"for","start":259.93,"end":260.09,"confidence":0.9633789,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3552350401878357},{"word":"the","start":260.09,"end":260.25,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3371364176273346},{"word":"year","start":260.25,"end":260.75,"confidence":0.99902344,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.31731998920440674},{"word":"okay","start":263.525,"end":264.005,"confidence":0.9970703,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.45140692591667175},{"word":"fantastic","start":264.005,"end":264.505,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6341147422790527},{"word":"when","start":264.965,"end":265.205,"confidence":0.9526367,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.21389339864254},{"word":"it","start":265.205,"end":265.285,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18048599362373352},{"word":"comes","start":265.285,"end":265.60498,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.1676158607006073},{"word":"to","start":265.60498,"end":265.925,"confidence":0.91259766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18413004279136655},{"word":"income","start":265.925,"end":266.32498,"confidence":0.9472656,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.27777448296546936},{"word":"protection","start":266.32498,"end":266.82498,"confidence":0.99609375,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.10254190862178802},{"word":"you","start":267.205,"end":267.445,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09855422377586363},{"word":"can","start":267.445,"end":267.76498,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08979121595621109},{"word":"cover","start":267.76498,"end":268.16498,"confidence":0.9980469,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.09142367541790009},{"word":"up","start":268.16498,"end":268.32498,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14105325937271118},{"word":"to","start":268.32498,"end":268.485,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16262756288051605},{"word":"70%","start":268.485,"end":269.205,"confidence":0.9802246,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.12710882723331451},{"word":"of","start":269.205,"end":269.285,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14643344283103943},{"word":"your","start":269.285,"end":269.525,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11407797038555144},{"word":"income","start":269.525,"end":270.025,"confidence":0.9995117,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.1103355437517166},{"word":"do","start":270.16498,"end":270.32498,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.012117182835936546},{"word":"you","start":270.32498,"end":270.485,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02232913114130497},{"word":"want","start":270.485,"end":270.645,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.02193213254213333},{"word":"me","start":270.645,"end":270.88498,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04682956635951996},{"word":"to","start":270.88498,"end":270.965,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.033450715243816376},{"word":"just","start":270.965,"end":271.285,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03603338450193405},{"word":"base","start":271.285,"end":271.525,"confidence":0.9980469,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.03122039884328842},{"word":"it","start":271.525,"end":271.76498,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05607134848833084},{"word":"on","start":271.76498,"end":272.26498,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0569797083735466},{"word":"the","start":272.32498,"end":272.565,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0711192786693573},{"word":"$140,000","start":272.565,"end":273.925,"confidence":0.98309326,"punctuated_word":"$140,000","sentiment":"neutral","sentiment_score":0.06761500239372253},{"word":"base","start":273.925,"end":274.16498,"confidence":0.9394531,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.04619003087282181},{"word":"income","start":274.16498,"end":274.565,"confidence":0.9970703,"punctuated_word":"income?","sentiment":"neutral","sentiment_score":0.04670459032058716},{"word":"do","start":274.565,"end":274.645,"confidence":0.99609375,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0013000313192605972},{"word":"you","start":274.645,"end":274.805,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013761909678578377},{"word":"want","start":274.805,"end":274.965,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.01871948689222336},{"word":"me","start":274.965,"end":275.125,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.030420619994401932},{"word":"to","start":275.125,"end":275.205,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0264367014169693},{"word":"try","start":275.205,"end":275.445,"confidence":0.9980469,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.015620190650224686},{"word":"and","start":275.445,"end":275.525,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04749448597431183},{"word":"bump","start":275.525,"end":275.76498,"confidence":0.9760742,"punctuated_word":"bump","sentiment":"neutral","sentiment_score":0.0503118559718132},{"word":"it","start":275.76498,"end":275.925,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11078651994466782},{"word":"up","start":275.925,"end":276.085,"confidence":0.97998047,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07430969923734665},{"word":"a","start":276.085,"end":276.245,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04672634229063988},{"word":"little","start":276.245,"end":276.405,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.027178145945072178},{"word":"bit","start":276.405,"end":276.78,"confidence":0.81469727,"punctuated_word":"bit?","sentiment":"neutral","sentiment_score":0.0359923392534256},{"word":"i","start":286.94,"end":286.97998,"confidence":0.90625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005916718393564224},{"word":"think","start":286.97998,"end":287.02,"confidence":0.9873047,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.003746163100004196},{"word":"yeah","start":287.41998,"end":287.66,"confidence":0.92626953,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01722755841910839},{"word":"and","start":287.66,"end":287.9,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.010889336466789246},{"word":"that's","start":287.9,"end":288.06,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.013456279411911964},{"word":"the","start":288.06,"end":288.22,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01858977973461151},{"word":"thing","start":288.22,"end":288.38,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.035062313079833984},{"word":"is","start":288.38,"end":288.54,"confidence":0.6479492,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02035697177052498},{"word":"that","start":288.54,"end":288.7,"confidence":0.8286133,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.015487104654312134},{"word":"i","start":288.7,"end":288.78,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0015400424599647522},{"word":"want","start":288.78,"end":288.94,"confidence":0.8647461,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.01079479232430458},{"word":"you","start":288.94,"end":289.1,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004813000559806824},{"word":"being","start":289.1,"end":289.41998,"confidence":0.7519531,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.004369422793388367},{"word":"over","start":289.41998,"end":289.66,"confidence":0.97509766,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.012685038149356842},{"word":"insured","start":289.66,"end":290.13998,"confidence":0.9091797,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":-0.005509074777364731},{"word":"and","start":290.13998,"end":290.3,"confidence":0.5073242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00005595758557319641},{"word":"then","start":290.3,"end":290.46,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.02402785047888756},{"word":"you","start":290.46,"end":290.54,"confidence":0.9741211,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017578452825546265},{"word":"go","start":290.54,"end":290.7,"confidence":0.9589844,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.018781613558530807},{"word":"to","start":290.7,"end":290.895,"confidence":0.8852539,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006778120994567871},{"word":"claim","start":290.895,"end":291.13498,"confidence":0.9819336,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.016231052577495575},{"word":"and","start":291.13498,"end":291.29498,"confidence":0.8256836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01796477660536766},{"word":"you","start":291.29498,"end":291.375,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03016664646565914},{"word":"give","start":291.375,"end":291.615,"confidence":0.8642578,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.022057749330997467},{"word":"in","start":291.615,"end":291.85498,"confidence":0.93359375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.021512404084205627},{"word":"your","start":291.85498,"end":291.935,"confidence":0.9199219,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.029417559504508972},{"word":"twelve","start":291.935,"end":292.25497,"confidence":0.9980469,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.010258063673973083},{"word":"month","start":292.25497,"end":292.57498,"confidence":0.72998047,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.028901327401399612},{"word":"income","start":292.57498,"end":292.895,"confidence":0.9970703,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.03888892754912376},{"word":"and","start":292.895,"end":293.13498,"confidence":0.7426758,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.028516175225377083},{"word":"they","start":293.13498,"end":293.215,"confidence":0.99609375,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.029115427285432816},{"word":"pay","start":293.215,"end":293.455,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.016983479261398315},{"word":"you","start":293.455,"end":293.615,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.021212086081504825},{"word":"on","start":293.615,"end":293.775,"confidence":0.95947266,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.031732358038425446},{"word":"a","start":293.775,"end":293.85498,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02992653101682663},{"word":"lesser","start":293.85498,"end":294.25497,"confidence":0.99902344,"punctuated_word":"lesser","sentiment":"neutral","sentiment_score":0.015909023582935333},{"word":"amount","start":294.25497,"end":294.735,"confidence":0.99902344,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.04086367413401604},{"word":"than","start":294.735,"end":294.895,"confidence":0.98095703,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.026767883449792865},{"word":"what","start":294.895,"end":295.055,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03800174221396446},{"word":"you've","start":295.055,"end":295.29498,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.018314285203814507},{"word":"been","start":295.29498,"end":295.455,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.04627050459384918},{"word":"paying","start":295.455,"end":295.69498,"confidence":0.99902344,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.012846002355217934},{"word":"premiums","start":295.69498,"end":296.19498,"confidence":0.9902344,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.014117397367954254},{"word":"for","start":296.41498,"end":296.91498,"confidence":0.9970703,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":0.008000577799975872},{"word":"yeah","start":297.13498,"end":297.63498,"confidence":0.8864746,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03184680640697479},{"word":"a","start":305.41998,"end":305.58,"confidence":0.78125,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.08685028553009033},{"word":"100%","start":305.58,"end":306.4,"confidence":0.9901123,"punctuated_word":"100%.","sentiment":"neutral","sentiment_score":0.10303612798452376},{"word":"with","start":307.18,"end":307.34,"confidence":0.83447266,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.07496495544910431},{"word":"your","start":307.34,"end":307.74,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10610507428646088},{"word":"140","start":307.74,"end":308.54,"confidence":0.95003253,"punctuated_word":"140","sentiment":"neutral","sentiment_score":0.117013119161129},{"word":"k","start":308.54,"end":308.86,"confidence":0.96533203,"punctuated_word":"k","sentiment":"neutral","sentiment_score":0.11506542563438416},{"word":"base","start":308.86,"end":309.26,"confidence":0.93359375,"punctuated_word":"base,","sentiment":"neutral","sentiment_score":0.12791229784488678},{"word":"that","start":309.26,"end":309.58,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1392416954040527},{"word":"pretty","start":309.58,"end":309.82,"confidence":0.9921875,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.14748847484588623},{"word":"much","start":309.82,"end":310.06,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1415637582540512},{"word":"gives","start":310.06,"end":310.3,"confidence":0.9873047,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.09758026152849196},{"word":"you","start":310.3,"end":310.54,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14698688685894012},{"word":"a","start":310.54,"end":310.62,"confidence":0.9326172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11973382532596588},{"word":"cover","start":310.62,"end":310.86,"confidence":0.9941406,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.09515909850597382},{"word":"amount","start":310.86,"end":311.18,"confidence":0.9941406,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.1272808313369751},{"word":"of","start":311.18,"end":311.41998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11441801488399506},{"word":"8,166","start":311.41998,"end":313.5,"confidence":0.99762833,"punctuated_word":"8,166","sentiment":"neutral","sentiment_score":0.1143185943365097},{"word":"per","start":313.5,"end":313.66,"confidence":0.99609375,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.11175478994846344},{"word":"month","start":313.66,"end":314.06,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.09174232184886932},{"word":"before","start":314.06,"end":314.46,"confidence":0.9892578,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.1052677482366562},{"word":"tax","start":314.46,"end":314.96,"confidence":0.9501953,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.09379413723945618},{"word":"so","start":315.5,"end":316.0,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08585209399461746},{"word":"call","start":316.06,"end":316.38,"confidence":0.97509766,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.0734977275133133},{"word":"it","start":316.38,"end":316.78,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0796239897608757},{"word":"just","start":316.78,"end":317.18,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08318641781806946},{"word":"under","start":317.18,"end":317.66,"confidence":0.99609375,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.14107465744018555},{"word":"2,000","start":317.66,"end":318.3,"confidence":0.9975586,"punctuated_word":"2,000","sentiment":"neutral","sentiment_score":0.06679531931877136},{"word":"a","start":318.3,"end":318.46,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06375890970230103},{"word":"week","start":318.46,"end":318.96,"confidence":0.73950195,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.0663774162530899},{"word":"you","start":319.055,"end":319.295,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07638809829950333},{"word":"would","start":319.295,"end":319.45502,"confidence":0.9951172,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06540390104055405},{"word":"get","start":319.45502,"end":319.935,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.053597550839185715},{"word":"after","start":319.935,"end":320.255,"confidence":0.9790039,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.06053490191698074},{"word":"tax","start":320.255,"end":320.755,"confidence":0.91625977,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.06580766290426254},{"word":"would","start":320.815,"end":321.055,"confidence":0.96435547,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.06340488791465759},{"word":"that","start":321.055,"end":321.215,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08104013651609421},{"word":"still","start":321.215,"end":321.535,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.05352009832859039},{"word":"be","start":321.535,"end":321.61502,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.057212356477975845},{"word":"okay","start":321.61502,"end":322.015,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.06198307126760483},{"word":"for","start":322.015,"end":322.335,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06692110747098923},{"word":"expenses","start":322.335,"end":322.835,"confidence":0.99121094,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.09310954064130784},{"word":"and","start":322.89502,"end":323.055,"confidence":0.8701172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04991653561592102},{"word":"the","start":323.055,"end":323.135,"confidence":0.9223633,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04481318220496178},{"word":"luck","start":323.135,"end":323.635,"confidence":0.72058105,"punctuated_word":"luck?","sentiment":"neutral","sentiment_score":0.061396196484565735},{"word":"yeah","start":333.42,"end":333.92,"confidence":0.7492676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011774443089962006},{"word":"absolutely","start":336.14,"end":336.64,"confidence":0.9802246,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.14760370552539823},{"word":"now","start":338.46,"end":338.78,"confidence":0.8378906,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04131971299648285},{"word":"we","start":338.78,"end":338.86002,"confidence":0.9863281,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02483125403523445},{"word":"can","start":338.86002,"end":339.1,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06554845720529556},{"word":"choose","start":339.1,"end":339.42,"confidence":0.99902344,"punctuated_word":"choose","sentiment":"neutral","sentiment_score":0.044115714728832245},{"word":"between","start":339.42,"end":339.92,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.042355652898550034},{"word":"different","start":340.14,"end":340.62,"confidence":0.99121094,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.022904830053448677},{"word":"waiting","start":340.62,"end":341.1,"confidence":0.99609375,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.03694818168878555},{"word":"periods","start":341.1,"end":341.6,"confidence":0.984375,"punctuated_word":"periods","sentiment":"neutral","sentiment_score":0.016501663252711296},{"word":"and","start":341.74,"end":341.98,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03023577108979225},{"word":"benefit","start":341.98,"end":342.46,"confidence":0.99316406,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.03829322010278702},{"word":"periods","start":342.46,"end":342.96,"confidence":0.9343262,"punctuated_word":"periods.","sentiment":"neutral","sentiment_score":0.02472357451915741},{"word":"so","start":343.26,"end":343.76,"confidence":0.9892578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01047520712018013},{"word":"the","start":344.3,"end":344.54,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0005669780075550079},{"word":"standard","start":344.54,"end":345.02,"confidence":0.9970703,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":-0.009311016649007796},{"word":"waiting","start":345.02,"end":345.34,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.00031923502683639526},{"word":"period","start":345.34,"end":345.74,"confidence":0.99902344,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.01505952700972557},{"word":"is","start":345.74,"end":345.9,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.00935232639312744},{"word":"thirty","start":345.9,"end":346.22,"confidence":0.99902344,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.00979779288172722},{"word":"days","start":346.22,"end":346.7,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.021936573088169094},{"word":"being","start":346.7,"end":346.94,"confidence":0.8925781,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.030309144407510757},{"word":"out","start":346.94,"end":347.1,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.02314802259206772},{"word":"of","start":347.1,"end":347.18,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.028295956552028656},{"word":"work","start":347.18,"end":347.5,"confidence":0.76049805,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.03829236328601837},{"word":"sql","start":347.5,"end":347.9,"confidence":0.60009766,"punctuated_word":"SQL","sentiment":"neutral","sentiment_score":-0.04774364456534386},{"word":"injured","start":347.9,"end":348.4,"confidence":0.72888184,"punctuated_word":"injured.","sentiment":"neutral","sentiment_score":-0.02423279359936714},{"word":"you","start":348.645,"end":348.805,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.018809909000992775},{"word":"can","start":348.805,"end":349.285,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.023774420842528343},{"word":"push","start":349.285,"end":349.605,"confidence":1.0,"punctuated_word":"push","sentiment":"neutral","sentiment_score":0.027980484068393707},{"word":"that","start":349.605,"end":349.925,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.011209666728973389},{"word":"out","start":349.925,"end":350.085,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.01978329196572304},{"word":"to","start":350.085,"end":350.325,"confidence":0.6738281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03056362271308899},{"word":"sixty","start":350.325,"end":350.825,"confidence":0.9980469,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.032850295305252075},{"word":"or","start":350.965,"end":351.205,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03679043799638748},{"word":"ninety","start":351.205,"end":351.605,"confidence":1.0,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.033886462450027466},{"word":"days","start":351.605,"end":352.105,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.02056138589978218},{"word":"if","start":352.485,"end":352.645,"confidence":0.8720703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.031439319252967834},{"word":"you","start":352.645,"end":352.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.040723007172346115},{"word":"would","start":352.805,"end":353.045,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.02697113156318665},{"word":"rather","start":353.045,"end":353.525,"confidence":0.9753418,"punctuated_word":"rather,","sentiment":"neutral","sentiment_score":0.024334385991096497},{"word":"like","start":353.525,"end":353.76498,"confidence":0.99658203,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.035513076931238174},{"word":"rely","start":353.76498,"end":354.085,"confidence":0.99609375,"punctuated_word":"rely","sentiment":"neutral","sentiment_score":0.0368034653365612},{"word":"on","start":354.085,"end":354.325,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04319045692682266},{"word":"savings","start":354.325,"end":354.725,"confidence":0.9604492,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.05739567428827286},{"word":"and","start":354.725,"end":354.885,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06361350417137146},{"word":"have","start":354.885,"end":355.125,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07825711369514465},{"word":"a","start":355.125,"end":355.205,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05097680166363716},{"word":"more","start":355.205,"end":355.525,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.044266462326049805},{"word":"affordable","start":355.525,"end":356.005,"confidence":0.9951172,"punctuated_word":"affordable","sentiment":"neutral","sentiment_score":0.05886584520339966},{"word":"policy","start":356.005,"end":356.505,"confidence":0.9995117,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":0.0600021556019783},{"word":"do","start":356.885,"end":357.125,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.002540871500968933},{"word":"you","start":357.125,"end":357.205,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.000026017427444458008},{"word":"have","start":357.205,"end":357.365,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0002817697823047638},{"word":"a","start":357.365,"end":357.525,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0022365907207131386},{"word":"preference","start":357.525,"end":358.005,"confidence":1.0,"punctuated_word":"preference","sentiment":"neutral","sentiment_score":-0.0032270140945911407},{"word":"either","start":358.005,"end":358.325,"confidence":0.9013672,"punctuated_word":"either","sentiment":"neutral","sentiment_score":-0.005950171500444412},{"word":"way","start":358.325,"end":358.825,"confidence":0.9980469,"punctuated_word":"way?","sentiment":"neutral","sentiment_score":-0.015364497900009155},{"word":"yeah","start":363.96002,"end":364.44,"confidence":0.8708496,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.010855196043848991},{"word":"thirty","start":364.44,"end":364.84,"confidence":0.96875,"punctuated_word":"Thirty,","sentiment":"neutral","sentiment_score":-0.02400706708431244},{"word":"sixty","start":364.84,"end":365.24002,"confidence":0.9091797,"punctuated_word":"sixty,","sentiment":"neutral","sentiment_score":-0.02246269583702087},{"word":"or","start":365.24002,"end":365.40002,"confidence":0.98828125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.018946941941976547},{"word":"ninety","start":365.40002,"end":365.80002,"confidence":0.99609375,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":-0.01761394739151001},{"word":"are","start":365.80002,"end":365.96002,"confidence":0.7060547,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.024910910055041313},{"word":"the","start":365.96002,"end":366.2,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03506503999233246},{"word":"the","start":366.2,"end":366.7,"confidence":0.5411377,"punctuated_word":"the.","sentiment":"neutral","sentiment_score":-0.02883961610496044},{"word":"yeah","start":382.93503,"end":383.43503,"confidence":0.80908203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02819257415831089},{"word":"i","start":384.05502,"end":384.21503,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04185367375612259},{"word":"think","start":384.21503,"end":384.535,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.08965018391609192},{"word":"if","start":384.535,"end":384.695,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09973756223917007},{"word":"i","start":384.695,"end":384.855,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1163237765431404},{"word":"was","start":384.855,"end":385.015,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1328355371952057},{"word":"to","start":385.015,"end":385.17502,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17556121945381165},{"word":"try","start":385.17502,"end":385.415,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.157244935631752},{"word":"and","start":385.415,"end":385.73502,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.166810542345047},{"word":"give","start":385.73502,"end":385.89502,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.12368455529212952},{"word":"you","start":385.89502,"end":386.05502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17671500146389008},{"word":"a","start":386.05502,"end":386.135,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16290536522865295},{"word":"bit","start":386.135,"end":386.295,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.191426083445549},{"word":"of","start":386.295,"end":386.535,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1843609064817429},{"word":"a","start":386.535,"end":386.61502,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15879127383232117},{"word":"guide","start":386.61502,"end":387.11502,"confidence":0.78393555,"punctuated_word":"guide,","sentiment":"neutral","sentiment_score":0.17548906803131104},{"word":"because","start":387.59,"end":388.09,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.12272895872592926},{"word":"you're","start":388.15,"end":388.65,"confidence":0.9658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1600612848997116},{"word":"young","start":389.11,"end":389.50998,"confidence":1.0,"punctuated_word":"young","sentiment":"neutral","sentiment_score":0.13496671617031095},{"word":"and","start":389.50998,"end":389.91,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17860326170921326},{"word":"pretty","start":389.91,"end":390.22998,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.19349181652069092},{"word":"much","start":390.22998,"end":390.47,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.18618127703666687},{"word":"in","start":390.47,"end":390.71,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14843231439590454},{"word":"a","start":390.71,"end":390.78998,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1311931312084198},{"word":"white","start":390.78998,"end":391.11,"confidence":0.9941406,"punctuated_word":"white","sentiment":"neutral","sentiment_score":0.08829615265130997},{"word":"collar","start":391.11,"end":391.61,"confidence":0.9404297,"punctuated_word":"collar","sentiment":"neutral","sentiment_score":0.05291779339313507},{"word":"occupation","start":391.75,"end":392.25,"confidence":0.97924805,"punctuated_word":"occupation,","sentiment":"neutral","sentiment_score":0.1202324777841568},{"word":"your","start":392.87,"end":393.19,"confidence":0.96533203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2644599974155426},{"word":"life","start":393.19,"end":393.34998,"confidence":0.96435547,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.19528988003730777},{"word":"and","start":393.34998,"end":393.59,"confidence":0.8925781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20476500689983368},{"word":"tpd","start":393.59,"end":394.06998,"confidence":0.76538086,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.1666848361492157},{"word":"premiums","start":394.06998,"end":394.56998,"confidence":0.9428711,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.21725763380527496},{"word":"are","start":394.62997,"end":395.12997,"confidence":0.9902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.29694291949272156},{"word":"very","start":395.19,"end":395.50998,"confidence":0.8679199,"punctuated_word":"very,","sentiment":"neutral","sentiment_score":0.2470168769359589},{"word":"very","start":395.50998,"end":395.83,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.23364302515983584},{"word":"cheap","start":395.83,"end":396.33,"confidence":0.94506836,"punctuated_word":"cheap.","sentiment":"neutral","sentiment_score":0.13630913197994232},{"word":"so","start":396.47,"end":396.62997,"confidence":0.55078125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12940998375415802},{"word":"it's","start":396.62997,"end":396.78998,"confidence":0.9345703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1383030116558075},{"word":"under","start":396.78998,"end":397.03,"confidence":0.99902344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.19229446351528168},{"word":"a","start":397.03,"end":397.19,"confidence":0.9223633,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1382950097322464},{"word":"thousand","start":397.19,"end":397.59,"confidence":0.99121094,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.1449194997549057},{"word":"dollars","start":397.59,"end":397.83,"confidence":0.9941406,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.14892730116844177},{"word":"for","start":397.83,"end":397.99,"confidence":0.92333984,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17559479176998138},{"word":"you","start":397.99,"end":398.15,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1797698140144348},{"word":"to","start":398.15,"end":398.31,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18097278475761416},{"word":"have","start":398.31,"end":398.55,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21872493624687195},{"word":"1,200,000","start":398.55,"end":399.66998,"confidence":0.9995117,"punctuated_word":"1,200,000","sentiment":"neutral","sentiment_score":0.21654316782951355},{"word":"of","start":399.66998,"end":399.83,"confidence":0.9448242,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17900364100933075},{"word":"both","start":399.83,"end":400.33,"confidence":0.98046875,"punctuated_word":"both.","sentiment":"neutral","sentiment_score":0.14130233228206637},{"word":"so","start":400.47498,"end":400.79498,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11117764562368392},{"word":"the","start":400.79498,"end":401.035,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14922210574150083},{"word":"standard","start":401.035,"end":401.435,"confidence":0.9819336,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":0.1803722083568573},{"word":"you","start":401.435,"end":401.675,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2174219787120819},{"word":"would","start":401.675,"end":401.835,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.19819608330726624},{"word":"do","start":401.835,"end":402.335,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21201688051223755},{"word":"would","start":402.63498,"end":402.79498,"confidence":0.9921875,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.19656720757484436},{"word":"be","start":402.79498,"end":403.035,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17069993913173676},{"word":"a","start":403.035,"end":403.19498,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1677350401878357},{"word":"thirty","start":403.19498,"end":403.51498,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.1607082486152649},{"word":"day","start":403.51498,"end":403.75497,"confidence":0.99902344,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.15638019144535065},{"word":"wait","start":403.75497,"end":404.155,"confidence":0.96533203,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.14235621690750122},{"word":"and","start":404.155,"end":404.395,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12325935810804368},{"word":"a","start":404.395,"end":404.47498,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13389158248901367},{"word":"benefit","start":404.47498,"end":404.955,"confidence":0.97314453,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.09298478066921234},{"word":"period","start":404.955,"end":405.275,"confidence":0.98828125,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.1446801722049713},{"word":"all","start":405.275,"end":405.51498,"confidence":0.9951172,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0996716246008873},{"word":"the","start":405.51498,"end":405.595,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09533034265041351},{"word":"way","start":405.595,"end":405.75497,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.12441114336252213},{"word":"up","start":405.75497,"end":405.91498,"confidence":0.9116211,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.08121258020401001},{"word":"to","start":405.91498,"end":405.995,"confidence":0.96435547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08537007868289948},{"word":"the","start":405.995,"end":406.07498,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0902305394411087},{"word":"age","start":406.07498,"end":406.235,"confidence":0.99609375,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.05661287531256676},{"word":"of","start":406.235,"end":406.47498,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0673074871301651},{"word":"65","start":406.47498,"end":407.375,"confidence":0.99731445,"punctuated_word":"65.","sentiment":"neutral","sentiment_score":0.0968780666589737},{"word":"that","start":407.675,"end":407.91498,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2642748951911926},{"word":"would","start":407.91498,"end":408.07498,"confidence":1.0,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.464033842086792},{"word":"be","start":408.07498,"end":408.57498,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4545044004917145},{"word":"ideal","start":408.63498,"end":409.13498,"confidence":0.9970703,"punctuated_word":"ideal.","sentiment":"positive","sentiment_score":0.4571073055267334},{"word":"yep","start":413.77,"end":414.25,"confidence":0.9086914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07990602403879166},{"word":"if","start":414.25,"end":414.41,"confidence":0.9921875,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.056907907128334045},{"word":"there's","start":414.41,"end":414.65,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.08670301735401154},{"word":"any","start":414.65,"end":414.89,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.09045834839344025},{"word":"issues","start":414.89,"end":415.21,"confidence":0.99902344,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":-0.19348368048667908},{"word":"where","start":415.21,"end":415.45,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.15402701497077942},{"word":"i","start":415.45,"end":415.53,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16933222115039823},{"word":"see","start":415.53,"end":415.85,"confidence":0.9506836,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.1773645132780075},{"word":"really","start":415.85,"end":416.09,"confidence":0.9970703,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.2169797122478485},{"word":"high","start":416.09,"end":416.41,"confidence":1.0,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.29807060956954956},{"word":"premiums","start":416.41,"end":416.91,"confidence":0.96875,"punctuated_word":"premiums","sentiment":"negative","sentiment_score":-0.3337436616420746},{"word":"that","start":416.97,"end":417.13,"confidence":0.89746094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1945548802614212},{"word":"may","start":417.13,"end":417.37,"confidence":0.9658203,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.18339160084724423},{"word":"impact","start":417.37,"end":417.77,"confidence":0.8300781,"punctuated_word":"impact,","sentiment":"neutral","sentiment_score":-0.2519477903842926},{"word":"like","start":417.77,"end":417.93,"confidence":0.93359375,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1732773631811142},{"word":"the","start":417.93,"end":418.17,"confidence":0.94628906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2935093939304352},{"word":"group","start":418.17,"end":418.41,"confidence":0.6464844,"punctuated_word":"group","sentiment":"negative","sentiment_score":-0.33863961696624756},{"word":"of","start":418.41,"end":418.57,"confidence":0.5205078,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3517054617404938},{"word":"the","start":418.57,"end":418.73,"confidence":0.71435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.29673877358436584},{"word":"growth","start":418.73,"end":419.05002,"confidence":0.86279297,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.2199057340621948},{"word":"of","start":419.05002,"end":419.13,"confidence":0.86621094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.26523685455322266},{"word":"your","start":419.13,"end":419.29,"confidence":0.9560547,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.20768918097019196},{"word":"super","start":419.29,"end":419.61002,"confidence":0.7114258,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.13000985980033877},{"word":"or","start":419.61002,"end":419.69,"confidence":0.7524414,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.16296032071113586},{"word":"anything","start":419.69,"end":419.93,"confidence":0.9980469,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.14573858678340912},{"word":"like","start":419.93,"end":420.09,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.1733195334672928},{"word":"that","start":420.09,"end":420.33002,"confidence":0.97753906,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.2064548432826996},{"word":"i'll","start":420.33002,"end":420.57,"confidence":0.9975586,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.15970805287361145},{"word":"obviously","start":420.57,"end":421.07,"confidence":0.9448242,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.09351149946451189},{"word":"look","start":421.37,"end":421.61002,"confidence":0.984375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.1854746639728546},{"word":"to","start":421.61002,"end":421.69,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17259928584098816},{"word":"maybe","start":421.69,"end":422.01,"confidence":0.9902344,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.16352853178977966},{"word":"trim","start":422.01,"end":422.25,"confidence":0.9970703,"punctuated_word":"trim","sentiment":"neutral","sentiment_score":-0.14523005485534668},{"word":"it","start":422.25,"end":422.41,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13018719851970673},{"word":"down","start":422.41,"end":422.73,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.09316618740558624},{"word":"to","start":422.73,"end":422.97,"confidence":0.95410156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08797617256641388},{"word":"two","start":422.97,"end":423.13,"confidence":0.9941406,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.11968883872032166},{"word":"years","start":423.13,"end":423.37,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.17293082177639008},{"word":"or","start":423.37,"end":423.61002,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.10679199546575546},{"word":"five","start":423.61002,"end":423.77,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.10118736326694489},{"word":"years","start":423.77,"end":424.09,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.19107238948345184},{"word":"for","start":424.09,"end":424.33002,"confidence":0.97998047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.21105843782424927},{"word":"short","start":424.33002,"end":424.57,"confidence":0.9941406,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.11712861061096191},{"word":"term","start":424.57,"end":424.81,"confidence":1.0,"punctuated_word":"term","sentiment":"neutral","sentiment_score":-0.11488142609596252},{"word":"injury","start":424.81,"end":425.31,"confidence":0.84716797,"punctuated_word":"injury.","sentiment":"neutral","sentiment_score":-0.2892164885997772},{"word":"but","start":426.025,"end":426.265,"confidence":0.9941406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.2837125360965729},{"word":"if","start":426.265,"end":426.585,"confidence":0.99121094,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.3506396412849426},{"word":"it's","start":426.585,"end":426.745,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.3194136619567871},{"word":"only","start":426.745,"end":426.985,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.24571934342384336},{"word":"gonna","start":426.985,"end":427.305,"confidence":0.7270508,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.3041115999221802},{"word":"be","start":427.305,"end":427.705,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.28073760867118835},{"word":"a","start":427.705,"end":427.865,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.29483118653297424},{"word":"couple","start":427.865,"end":428.185,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.2789866328239441},{"word":"of","start":428.185,"end":428.345,"confidence":0.9980469,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3602898716926574},{"word":"grand","start":428.345,"end":428.845,"confidence":0.8222656,"punctuated_word":"grand","sentiment":"neutral","sentiment_score":-0.28707200288772583},{"word":"given","start":429.225,"end":429.545,"confidence":0.62158203,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.23855094611644745},{"word":"your","start":429.545,"end":429.865,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.29273003339767456},{"word":"contributions","start":429.865,"end":430.365,"confidence":0.87841797,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":-0.25448453426361084},{"word":"balance","start":430.505,"end":430.825,"confidence":0.9042969,"punctuated_word":"balance,","sentiment":"negative","sentiment_score":-0.34402936697006226},{"word":"and","start":430.825,"end":431.065,"confidence":0.9980469,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.40968090295791626},{"word":"growth","start":431.065,"end":431.385,"confidence":0.9926758,"punctuated_word":"growth,","sentiment":"negative","sentiment_score":-0.3375322222709656},{"word":"it's","start":431.385,"end":431.625,"confidence":0.9914551,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.48142385482788086},{"word":"not","start":431.625,"end":431.785,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.44456747174263},{"word":"really","start":431.785,"end":432.025,"confidence":0.99902344,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.479166567325592},{"word":"gonna","start":432.025,"end":432.265,"confidence":0.96777344,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.483568012714386},{"word":"have","start":432.265,"end":432.425,"confidence":0.9970703,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.3836193084716797},{"word":"a","start":432.425,"end":432.505,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4670628309249878},{"word":"big","start":432.505,"end":432.745,"confidence":1.0,"punctuated_word":"big","sentiment":"negative","sentiment_score":-0.4092475771903992},{"word":"impact","start":432.745,"end":433.245,"confidence":1.0,"punctuated_word":"impact.","sentiment":"negative","sentiment_score":-0.4122519791126251},{"word":"k","start":435.785,"end":436.185,"confidence":0.66015625,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.029409172013401985},{"word":"now","start":436.185,"end":436.425,"confidence":0.83740234,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07139325886964798},{"word":"you","start":436.425,"end":436.665,"confidence":0.9667969,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12975090742111206},{"word":"do","start":436.665,"end":436.825,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13971108198165894},{"word":"have","start":436.825,"end":436.985,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13583141565322876},{"word":"the","start":436.985,"end":437.145,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12299137562513351},{"word":"option","start":437.145,"end":437.465,"confidence":0.96875,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.12028853595256804},{"word":"to","start":437.465,"end":437.625,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11277852207422256},{"word":"actually","start":437.625,"end":438.025,"confidence":0.99609375,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.11956372857093812},{"word":"pay","start":438.025,"end":438.185,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.0635455921292305},{"word":"for","start":438.185,"end":438.425,"confidence":0.98291016,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08395850658416748},{"word":"income","start":438.425,"end":438.745,"confidence":0.99316406,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0608212873339653},{"word":"protection","start":438.745,"end":439.245,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.04534889757633209},{"word":"out","start":439.305,"end":439.625,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.10724636167287828},{"word":"of","start":439.625,"end":439.865,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05465333163738251},{"word":"pocket","start":439.865,"end":440.365,"confidence":0.9873047,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":0.12760934233665466},{"word":"and","start":440.62997,"end":440.78998,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10517878085374832},{"word":"get","start":440.78998,"end":440.94998,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.14043183624744415},{"word":"a","start":440.94998,"end":441.03,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1161356195807457},{"word":"full","start":441.03,"end":441.43,"confidence":0.99609375,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.1764111965894699},{"word":"tax","start":441.43,"end":441.75,"confidence":0.9902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1892424076795578},{"word":"deduction","start":441.75,"end":442.25,"confidence":0.984375,"punctuated_word":"deduction","sentiment":"neutral","sentiment_score":0.16027000546455383},{"word":"for","start":442.31,"end":442.81,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14965860545635223},{"word":"it","start":443.03,"end":443.11,"confidence":0.96875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10066643357276917},{"word":"or","start":443.11,"end":443.43,"confidence":0.78271484,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11059024930000304},{"word":"pay","start":443.43,"end":443.66998,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.05084589123725891},{"word":"it","start":443.66998,"end":443.75,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08122585713863373},{"word":"through","start":443.75,"end":444.15,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0969247668981552},{"word":"the","start":444.15,"end":444.31,"confidence":0.95166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12762105464935303},{"word":"super","start":444.31,"end":444.81,"confidence":0.67089844,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.14956580102443695},{"word":"and","start":444.94998,"end":445.19,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11375006288290024},{"word":"you","start":445.19,"end":445.34998,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11361631751060486},{"word":"only","start":445.34998,"end":445.59,"confidence":0.9838867,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.09237776696681976},{"word":"get","start":445.59,"end":445.83,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1333320140838623},{"word":"a","start":445.83,"end":445.90997,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11772629618644714},{"word":"15%","start":445.90997,"end":446.71,"confidence":0.99853516,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.15207529067993164},{"word":"rebate","start":446.71,"end":447.21,"confidence":0.99902344,"punctuated_word":"rebate","sentiment":"neutral","sentiment_score":0.11315400153398514},{"word":"unless","start":447.34998,"end":447.66998,"confidence":0.9716797,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":0.04057170823216438},{"word":"you","start":447.66998,"end":447.90997,"confidence":0.66015625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06379687041044235},{"word":"salary","start":447.90997,"end":448.40997,"confidence":0.95947266,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.050950080156326294},{"word":"sacrifice","start":448.47,"end":448.97,"confidence":0.87597656,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":-0.0902661308646202},{"word":"the","start":449.11,"end":449.19,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03906711935997009},{"word":"premiums","start":449.19,"end":449.69,"confidence":0.90356445,"punctuated_word":"premiums.","sentiment":"neutral","sentiment_score":-0.001219429075717926},{"word":"did","start":450.31,"end":450.55,"confidence":0.99902344,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.010623335838317873},{"word":"you","start":450.55,"end":450.62997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008883193135261536},{"word":"want","start":450.62997,"end":450.87,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.010316334664821625},{"word":"me","start":450.87,"end":450.94998,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.01319945603609085},{"word":"to","start":450.94998,"end":451.11,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.016489535570144653},{"word":"look","start":451.11,"end":451.27,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.028252743184566494},{"word":"at","start":451.27,"end":451.43,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06136786937713623},{"word":"an","start":451.43,"end":451.59,"confidence":0.984375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.029872797429561615},{"word":"out","start":451.59,"end":451.75,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.001917324960231781},{"word":"of","start":451.75,"end":451.90997,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03506707400083542},{"word":"pocket","start":451.90997,"end":452.31,"confidence":1.0,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":-0.013905905187129974},{"word":"policy","start":452.31,"end":452.71,"confidence":0.99902344,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.021043017506599423},{"word":"or","start":452.71,"end":452.94998,"confidence":0.8442383,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02064632624387741},{"word":"just","start":452.94998,"end":453.11,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.012799248099327087},{"word":"put","start":453.11,"end":453.27,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.005601078271865845},{"word":"it","start":453.27,"end":453.43,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.012973256409168243},{"word":"through","start":453.43,"end":453.66998,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.0037955865263938904},{"word":"the","start":453.66998,"end":453.83,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019395500421524048},{"word":"super","start":453.83,"end":454.33,"confidence":0.9765625,"punctuated_word":"super?","sentiment":"neutral","sentiment_score":-0.017629757523536682},{"word":"yep","start":460.985,"end":461.485,"confidence":0.984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09010031819343568},{"word":"now","start":461.625,"end":461.865,"confidence":0.8798828,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0720411092042923},{"word":"they'll","start":461.865,"end":462.10498,"confidence":0.7565918,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.08380691707134247},{"word":"be","start":462.10498,"end":462.345,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08147083222866058},{"word":"pretty","start":462.345,"end":462.585,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.11688442528247832},{"word":"much","start":462.585,"end":462.82498,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.10618889331817628},{"word":"identical","start":462.82498,"end":463.32498,"confidence":1.0,"punctuated_word":"identical","sentiment":"neutral","sentiment_score":0.10459116101264954},{"word":"policies","start":463.465,"end":463.865,"confidence":0.89746094,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.06482755392789841},{"word":"anyway","start":463.865,"end":464.365,"confidence":0.9482422,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.0908736139535904},{"word":"it","start":464.66498,"end":464.82498,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.054766397923231125},{"word":"is","start":464.82498,"end":465.065,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06185280531644821},{"word":"just","start":465.065,"end":465.305,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0709625780582428},{"word":"a","start":465.305,"end":465.465,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04437194764614105},{"word":"little","start":465.465,"end":465.705,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.009083479642868042},{"word":"bit","start":465.705,"end":465.94498,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.020593568682670593},{"word":"easier","start":465.94498,"end":466.345,"confidence":0.9941406,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.10408865660429},{"word":"to","start":466.345,"end":466.425,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03780490905046463},{"word":"claim","start":466.425,"end":466.82498,"confidence":0.9980469,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.018716976046562195},{"word":"on","start":466.82498,"end":467.145,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.009202785789966583},{"word":"out","start":467.145,"end":467.38498,"confidence":0.98291016,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.011623531579971312},{"word":"of","start":467.38498,"end":467.54498,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.016285479068756104},{"word":"pocket","start":467.54498,"end":468.04498,"confidence":0.7609863,"punctuated_word":"pocket,","sentiment":"neutral","sentiment_score":0.016544200479984283},{"word":"but","start":468.82,"end":469.06,"confidence":0.9838867,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.022672481834888455},{"word":"most","start":469.06,"end":469.3,"confidence":0.7734375,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.020677663385868073},{"word":"of","start":469.3,"end":469.38,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.006370149552822113},{"word":"the","start":469.38,"end":469.53998,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014813534915447237},{"word":"insurers","start":469.53998,"end":469.94,"confidence":0.8520508,"punctuated_word":"insurers","sentiment":"neutral","sentiment_score":-0.024287916719913483},{"word":"have","start":469.94,"end":470.02,"confidence":0.7685547,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.007613666355609894},{"word":"built","start":470.02,"end":470.25998,"confidence":0.9760742,"punctuated_word":"built","sentiment":"neutral","sentiment_score":0.01998581737279892},{"word":"in","start":470.25998,"end":470.5,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.003527626395225525},{"word":"benefits","start":470.5,"end":471.0,"confidence":0.99902344,"punctuated_word":"benefits","sentiment":"neutral","sentiment_score":-0.020506270229816437},{"word":"to","start":471.06,"end":471.56,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021895885467529297},{"word":"kind","start":471.86,"end":472.02,"confidence":0.9819336,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.00786212831735611},{"word":"of","start":472.02,"end":472.52,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.031094208359718323},{"word":"work","start":472.66,"end":472.9,"confidence":0.99609375,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.01014651358127594},{"word":"through","start":472.9,"end":473.13998,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0054796189069747925},{"word":"definitions","start":473.13998,"end":473.63998,"confidence":0.99902344,"punctuated_word":"definitions","sentiment":"neutral","sentiment_score":-0.025798458606004715},{"word":"out","start":473.86,"end":474.1,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0013504326343536377},{"word":"of","start":474.1,"end":474.18,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.031070150434970856},{"word":"super","start":474.18,"end":474.5,"confidence":0.7089844,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.008782349526882172},{"word":"anyway","start":474.5,"end":475.0,"confidence":0.96728516,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.02739889547228813},{"word":"i'll","start":475.53998,"end":475.69998,"confidence":0.9785156,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08038487285375595},{"word":"do","start":475.69998,"end":475.86,"confidence":0.98095703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08496776968240738},{"word":"up","start":475.86,"end":476.02,"confidence":0.69628906,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.09262309968471528},{"word":"a","start":476.02,"end":476.1,"confidence":0.93115234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11028208583593369},{"word":"quote","start":476.1,"end":476.34,"confidence":0.9770508,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.06915698945522308},{"word":"for","start":476.34,"end":476.5,"confidence":0.9741211,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07338567823171616},{"word":"both","start":476.5,"end":477.0,"confidence":0.97680664,"punctuated_word":"both.","sentiment":"neutral","sentiment_score":0.06427798420190811},{"word":"k","start":479.62,"end":480.12,"confidence":0.73461914,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.02327420935034752},{"word":"duties","start":480.755,"end":481.23502,"confidence":0.6113281,"punctuated_word":"Duties","sentiment":"neutral","sentiment_score":0.028566908091306686},{"word":"wise","start":481.23502,"end":481.635,"confidence":0.9001465,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.03128429502248764},{"word":"so","start":481.635,"end":481.875,"confidence":0.9580078,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.008389517664909363},{"word":"are","start":481.875,"end":482.11502,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.006391972303390503},{"word":"you","start":482.11502,"end":482.355,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010250099003314972},{"word":"still","start":482.355,"end":482.83502,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.01309129223227501},{"word":"essentially","start":482.83502,"end":483.33502,"confidence":0.8613281,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.0147304218262434},{"word":"in","start":483.39502,"end":483.555,"confidence":0.859375,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.006061626598238945},{"word":"like","start":483.555,"end":483.715,"confidence":0.99609375,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.01640130952000618},{"word":"a","start":483.715,"end":483.875,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02579105459153652},{"word":"sales","start":483.875,"end":484.195,"confidence":0.98095703,"punctuated_word":"sales","sentiment":"neutral","sentiment_score":0.02829495072364807},{"word":"role","start":484.195,"end":484.695,"confidence":0.86621094,"punctuated_word":"role?","sentiment":"neutral","sentiment_score":0.021678347140550613},{"word":"like","start":489.795,"end":490.11502,"confidence":0.4777832,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.054635945707559586},{"word":"bdm","start":490.11502,"end":490.61502,"confidence":0.5196533,"punctuated_word":"BDM","sentiment":"neutral","sentiment_score":0.049793221056461334},{"word":"type","start":490.67502,"end":490.915,"confidence":0.69348145,"punctuated_word":"type,","sentiment":"neutral","sentiment_score":0.08881458640098572},{"word":"you're","start":490.915,"end":491.155,"confidence":0.9199219,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06930511444807053},{"word":"always","start":491.155,"end":491.39502,"confidence":0.99121094,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.08886919915676117},{"word":"kind","start":491.39502,"end":491.635,"confidence":0.94921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07624652981758118},{"word":"of","start":491.635,"end":491.875,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08198918402194977},{"word":"on","start":491.875,"end":492.035,"confidence":0.9941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.071431964635849},{"word":"the","start":492.035,"end":492.11502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10417961329221724},{"word":"road","start":492.11502,"end":492.61502,"confidence":0.9790039,"punctuated_word":"road","sentiment":"neutral","sentiment_score":0.09152131527662276},{"word":"meeting","start":492.83502,"end":493.33502,"confidence":0.5527344,"punctuated_word":"meeting","sentiment":"neutral","sentiment_score":0.1355111598968506},{"word":"clients","start":493.39502,"end":493.89502,"confidence":0.7203369,"punctuated_word":"clients.","sentiment":"neutral","sentiment_score":0.09488508105278017},{"word":"yep","start":494.11502,"end":494.61502,"confidence":0.9260254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05788722634315491},{"word":"perfect","start":516.675,"end":517.155,"confidence":0.8745117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4289171695709229},{"word":"and","start":517.155,"end":517.395,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10924483090639114},{"word":"do","start":517.395,"end":517.555,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05435055121779442},{"word":"you","start":517.555,"end":517.715,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11495382338762283},{"word":"work","start":517.715,"end":518.03503,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.09603650867938995},{"word":"five","start":518.03503,"end":518.355,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.11047659069299698},{"word":"days","start":518.355,"end":518.59503,"confidence":0.79248047,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":0.07717186212539673},{"word":"or","start":518.59503,"end":518.755,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03812709078192711},{"word":"is","start":518.755,"end":518.915,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06780654191970825},{"word":"it","start":518.915,"end":519.075,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0873849168419838},{"word":"just","start":519.075,"end":519.315,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04796277731657028},{"word":"before","start":519.315,"end":519.635,"confidence":0.49609375,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.08310006558895111},{"word":"from","start":519.635,"end":519.875,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.10547097027301788},{"word":"home","start":519.875,"end":520.375,"confidence":0.9970703,"punctuated_word":"home?","sentiment":"neutral","sentiment_score":0.1137954443693161},{"word":"amazing","start":523.49,"end":523.97,"confidence":0.99609375,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.41605767607688904},{"word":"okay","start":523.97,"end":524.20996,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2551438510417938},{"word":"that'll","start":524.20996,"end":524.52997,"confidence":0.98535156,"punctuated_word":"That'll","sentiment":"positive","sentiment_score":0.3768520951271057},{"word":"make","start":524.52997,"end":524.77,"confidence":0.99902344,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3991486728191376},{"word":"it","start":524.77,"end":524.85,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5305200815200806},{"word":"pretty","start":524.85,"end":525.08997,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5035676956176758},{"word":"good","start":525.08997,"end":525.58997,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.38577163219451904},{"word":"now","start":527.41,"end":527.64996,"confidence":0.98291016,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06063869595527649},{"word":"i","start":527.64996,"end":527.89,"confidence":0.88964844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05740703269839287},{"word":"know","start":527.89,"end":528.13,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.04687753692269325},{"word":"that","start":528.13,"end":528.29,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03678952530026436},{"word":"there's","start":528.29,"end":528.61,"confidence":0.98999023,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.04326513409614563},{"word":"probably","start":528.61,"end":529.01,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.03159157931804657},{"word":"not","start":529.01,"end":529.25,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0023494288325309753},{"word":"too","start":529.25,"end":529.41,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.003090508282184601},{"word":"much","start":529.41,"end":529.64996,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.0006872378289699554},{"word":"in","start":529.64996,"end":529.81,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.005088601261377335},{"word":"the","start":529.81,"end":529.97,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01673489436507225},{"word":"way","start":529.97,"end":530.37,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.00656513124704361},{"word":"of","start":530.37,"end":530.87,"confidence":0.93847656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.010109242051839828},{"word":"qualifications","start":531.17,"end":531.67,"confidence":0.93359375,"punctuated_word":"qualifications","sentiment":"neutral","sentiment_score":-0.003754563629627228},{"word":"that","start":532.29,"end":532.45,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.016930710524320602},{"word":"would","start":532.45,"end":532.77,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.030807271599769592},{"word":"match","start":532.77,"end":533.08997,"confidence":1.0,"punctuated_word":"match","sentiment":"neutral","sentiment_score":0.029504548758268356},{"word":"for","start":533.08997,"end":533.25,"confidence":0.9536133,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04842378944158554},{"word":"your","start":533.25,"end":533.49,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.032767944037914276},{"word":"role","start":533.49,"end":533.99,"confidence":0.77197266,"punctuated_word":"role,","sentiment":"neutral","sentiment_score":0.02155042439699173},{"word":"but","start":534.245,"end":534.40497,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.032830096781253815},{"word":"did","start":534.40497,"end":534.565,"confidence":0.9970703,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.04368733987212181},{"word":"you","start":534.565,"end":534.64496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02454562298953533},{"word":"have","start":534.64496,"end":534.845,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02597024478018284},{"word":"to","start":534.845,"end":535.045,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.029033945873379707},{"word":"put","start":535.045,"end":535.285,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.029192199930548668},{"word":"in","start":535.285,"end":535.52496,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02842470444738865},{"word":"did","start":535.605,"end":535.76495,"confidence":0.9970703,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.04069440811872482},{"word":"you","start":535.76495,"end":535.845,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02427934482693672},{"word":"have","start":535.845,"end":536.005,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03464854881167412},{"word":"to","start":536.005,"end":536.08496,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03443426638841629},{"word":"get","start":536.08496,"end":536.32495,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.026423484086990356},{"word":"any","start":536.32495,"end":536.565,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.02294115908443928},{"word":"kind","start":536.565,"end":536.805,"confidence":0.9873047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.013093654066324234},{"word":"of","start":536.805,"end":536.96497,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0192092452198267},{"word":"degrees","start":536.96497,"end":537.365,"confidence":0.97509766,"punctuated_word":"degrees","sentiment":"neutral","sentiment_score":-0.01726500503718853},{"word":"or","start":537.365,"end":537.685,"confidence":0.99316406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.023677866905927655},{"word":"specific","start":537.685,"end":538.165,"confidence":1.0,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":0.003184683620929718},{"word":"qualifications","start":538.165,"end":538.665,"confidence":0.99902344,"punctuated_word":"qualifications","sentiment":"neutral","sentiment_score":-0.008829411119222641},{"word":"for","start":539.045,"end":539.125,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.012141792103648186},{"word":"your","start":539.125,"end":539.285,"confidence":0.984375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0025895722210407257},{"word":"role","start":539.285,"end":539.785,"confidence":0.9921875,"punctuated_word":"role?","sentiment":"neutral","sentiment_score":-0.009417200461030006},{"word":"that's","start":542.805,"end":543.20496,"confidence":0.93188477,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.06909401714801788},{"word":"it","start":543.20496,"end":543.70496,"confidence":0.9885254,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.03417439013719559},{"word":"be","start":543.845,"end":544.005,"confidence":0.5986328,"punctuated_word":"Be","sentiment":"neutral","sentiment_score":0.08074329793453217},{"word":"a","start":544.005,"end":544.08496,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09392455220222472},{"word":"good","start":544.08496,"end":544.32495,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.0861673578619957},{"word":"talker","start":544.32495,"end":544.82495,"confidence":0.9973958,"punctuated_word":"talker.","sentiment":"neutral","sentiment_score":0.07904424518346786},{"word":"do","start":546.165,"end":546.32495,"confidence":0.94189453,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.011660389602184296},{"word":"you","start":546.32495,"end":546.485,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0022822655737400055},{"word":"have","start":546.485,"end":546.96497,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.00624256394803524},{"word":"any","start":546.96497,"end":547.46497,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.003590084612369538},{"word":"staff","start":547.605,"end":547.925,"confidence":0.9614258,"punctuated_word":"staff","sentiment":"neutral","sentiment_score":-0.014309629797935486},{"word":"under","start":547.925,"end":548.245,"confidence":0.9902344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.008292457088828087},{"word":"you","start":548.245,"end":548.40497,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007494663819670677},{"word":"in","start":548.40497,"end":548.565,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.011531602591276169},{"word":"terms","start":548.565,"end":548.88495,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.008848918601870537},{"word":"of","start":548.88495,"end":549.045,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.012641092762351036},{"word":"managing","start":549.045,"end":549.545,"confidence":0.99609375,"punctuated_word":"managing","sentiment":"neutral","sentiment_score":-0.02331153489649296},{"word":"staff","start":549.69,"end":550.19,"confidence":0.99072266,"punctuated_word":"staff?","sentiment":"neutral","sentiment_score":-0.020202504470944405},{"word":"perfect","start":552.33,"end":552.83,"confidence":0.98217773,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.03855691850185394},{"word":"alright","start":552.97003,"end":553.47003,"confidence":0.99902344,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.054898329079151154},{"word":"so","start":553.93,"end":554.43,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04904237017035484},{"word":"based","start":554.73,"end":555.13,"confidence":0.9873047,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.06538766622543335},{"word":"on","start":555.13,"end":555.45,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09662605822086334},{"word":"that","start":555.45,"end":555.93,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10336443036794662},{"word":"being","start":555.93,"end":556.41,"confidence":0.8833008,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.05914659798145294},{"word":"kind","start":556.41,"end":556.91,"confidence":0.9838867,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07025357335805893},{"word":"of","start":557.53,"end":557.77,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07418902218341827},{"word":"office","start":557.77,"end":558.17,"confidence":0.98828125,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.06503421813249588},{"word":"space","start":558.17,"end":558.49,"confidence":0.68530273,"punctuated_word":"space,","sentiment":"neutral","sentiment_score":0.05075538903474808},{"word":"so","start":558.49,"end":558.73,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.052627693861722946},{"word":"to","start":558.73,"end":558.89,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03993348032236099},{"word":"speak","start":558.89,"end":559.13,"confidence":0.97753906,"punctuated_word":"speak,","sentiment":"neutral","sentiment_score":0.060982950031757355},{"word":"and","start":559.13,"end":559.37,"confidence":0.78808594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07801482081413269},{"word":"a","start":559.37,"end":559.45,"confidence":0.9604492,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07809755206108093},{"word":"140,000","start":559.45,"end":560.57,"confidence":0.9920044,"punctuated_word":"140,000,","sentiment":"neutral","sentiment_score":0.0888335108757019},{"word":"you're","start":560.57,"end":560.81,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.08963696658611298},{"word":"probably","start":560.81,"end":561.21,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.0900735929608345},{"word":"looking","start":561.21,"end":561.61,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.08549819141626358},{"word":"at","start":561.61,"end":562.11,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06055869162082672},{"word":"a","start":562.265,"end":562.425,"confidence":0.9536133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12744441628456116},{"word":"double","start":562.425,"end":562.665,"confidence":0.97998047,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.10477106273174286},{"word":"a","start":562.665,"end":563.165,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0972752571105957},{"word":"occupation","start":563.225,"end":563.705,"confidence":0.9951172,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":0.07622408121824265},{"word":"rating","start":563.705,"end":564.025,"confidence":0.9304199,"punctuated_word":"rating,","sentiment":"neutral","sentiment_score":0.06676243245601654},{"word":"which","start":564.025,"end":564.265,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.12031225115060806},{"word":"is","start":564.265,"end":564.425,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13308966159820557},{"word":"the","start":564.425,"end":564.505,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12554073333740234},{"word":"second","start":564.505,"end":564.825,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.15108788013458252},{"word":"best","start":564.825,"end":565.145,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.1390983611345291},{"word":"outside","start":565.145,"end":565.545,"confidence":0.9838867,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.14754952490329742},{"word":"of","start":565.545,"end":565.625,"confidence":0.89086914,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.13978703320026398},{"word":"like","start":565.625,"end":565.785,"confidence":0.99316406,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.14153769612312317},{"word":"a","start":565.785,"end":565.945,"confidence":0.9550781,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15056204795837402},{"word":"lawyer","start":565.945,"end":566.445,"confidence":0.9116211,"punctuated_word":"lawyer.","sentiment":"neutral","sentiment_score":0.08960980176925659},{"word":"so","start":566.825,"end":566.985,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2229083925485611},{"word":"that","start":566.985,"end":567.225,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27000534534454346},{"word":"should","start":567.225,"end":567.465,"confidence":0.99902344,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.34441056847572327},{"word":"be","start":567.465,"end":567.945,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.3154563307762146},{"word":"quite","start":567.945,"end":568.265,"confidence":1.0,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.33404776453971863},{"word":"quite","start":568.265,"end":568.585,"confidence":0.6640625,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.3436136841773987},{"word":"affordable","start":568.585,"end":569.085,"confidence":1.0,"punctuated_word":"affordable.","sentiment":"neutral","sentiment_score":0.2321951687335968},{"word":"now","start":571.225,"end":571.725,"confidence":0.99609375,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1381428986787796},{"word":"i'm","start":571.865,"end":572.105,"confidence":0.9885254,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1802835464477539},{"word":"gonna","start":572.105,"end":572.505,"confidence":0.9428711,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2114844024181366},{"word":"do","start":572.505,"end":572.665,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1823732554912567},{"word":"a","start":572.665,"end":572.825,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2003546506166458},{"word":"quote","start":572.825,"end":573.145,"confidence":0.9980469,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.16643846035003662},{"word":"through","start":573.145,"end":573.545,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1683310866355896},{"word":"tal","start":573.545,"end":573.865,"confidence":0.20080566,"punctuated_word":"Tal","sentiment":"neutral","sentiment_score":0.1514800488948822},{"word":"just","start":573.865,"end":574.185,"confidence":0.4453125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15901979804039},{"word":"to","start":574.185,"end":574.265,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.149912491440773},{"word":"add","start":574.265,"end":574.505,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.14903217554092407},{"word":"income","start":574.505,"end":574.825,"confidence":0.98535156,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1367613524198532},{"word":"protection","start":574.825,"end":575.305,"confidence":0.9980469,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.12362131476402284},{"word":"on","start":575.305,"end":575.76,"confidence":0.9975586,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.14067979156970978},{"word":"obviously","start":575.92,"end":576.24,"confidence":0.9975586,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.1085524782538414},{"word":"you","start":576.24,"end":576.48,"confidence":0.8364258,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14074796438217163},{"word":"will","start":576.48,"end":576.64,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.12422749400138856},{"word":"go","start":576.64,"end":576.88,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.12461011111736298},{"word":"through","start":576.88,"end":577.38,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.117107555270195},{"word":"that","start":577.60004,"end":577.84,"confidence":0.6435547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14662271738052368},{"word":"underwriting","start":577.84,"end":578.34,"confidence":1.0,"punctuated_word":"underwriting","sentiment":"neutral","sentiment_score":0.09464157372713088},{"word":"check","start":578.48,"end":578.8,"confidence":0.82177734,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.11472460627555849},{"word":"for","start":578.8,"end":579.3,"confidence":0.9667969,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12009039521217346},{"word":"occupation","start":579.76,"end":580.26,"confidence":0.7915039,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":0.08510201424360275},{"word":"and","start":580.88,"end":581.2,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11145222187042236},{"word":"medical","start":581.2,"end":581.7,"confidence":0.9995117,"punctuated_word":"medical.","sentiment":"neutral","sentiment_score":0.09371894598007202},{"word":"did","start":582.08,"end":582.32,"confidence":0.9980469,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.07043878734111786},{"word":"you","start":582.32,"end":582.4,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09135586023330688},{"word":"want","start":582.4,"end":582.64,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.08423393964767456},{"word":"me","start":582.64,"end":582.8,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.09457196295261384},{"word":"to","start":582.8,"end":582.96,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08963413536548615},{"word":"look","start":582.96,"end":583.12,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07978440821170807},{"word":"at","start":583.12,"end":583.36,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.051509663462638855},{"word":"if","start":583.36,"end":583.52,"confidence":0.5415039,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08229333907365799},{"word":"there's","start":583.52,"end":583.68,"confidence":0.99853516,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.07830889523029327},{"word":"any","start":583.68,"end":583.92,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07630488276481628},{"word":"other","start":583.92,"end":584.16003,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.058550674468278885},{"word":"providers","start":584.16003,"end":584.66003,"confidence":0.9980469,"punctuated_word":"providers","sentiment":"neutral","sentiment_score":0.08024606108665466},{"word":"to","start":584.88,"end":585.04004,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09002675116062164},{"word":"offer","start":585.04004,"end":585.44,"confidence":0.99609375,"punctuated_word":"offer","sentiment":"neutral","sentiment_score":0.08865092694759369},{"word":"all","start":585.44,"end":585.68,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.106066033244133},{"word":"three","start":585.68,"end":586.18,"confidence":0.99902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.10538368672132492},{"word":"at","start":586.56,"end":586.72003,"confidence":0.9033203,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.1099727302789688},{"word":"like","start":586.72003,"end":586.96,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11557525396347046},{"word":"a","start":586.96,"end":587.04004,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14832234382629397},{"word":"cheaper","start":587.04004,"end":587.52,"confidence":1.0,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.15027114748954773},{"word":"price","start":587.52,"end":587.76,"confidence":0.7281494,"punctuated_word":"price,","sentiment":"neutral","sentiment_score":0.16364535689353943},{"word":"or","start":587.76,"end":588.0,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.16024799644947052},{"word":"you're","start":588.0,"end":588.24,"confidence":0.78686523,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.16365545988082886},{"word":"happy","start":588.24,"end":588.48,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.14074982702732086},{"word":"just","start":588.48,"end":588.72003,"confidence":0.9770508,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20884127914905548},{"word":"to","start":588.72003,"end":588.88,"confidence":0.9140625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19223865866661072},{"word":"kind","start":588.88,"end":589.12,"confidence":0.9667969,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.13764360547065735},{"word":"of","start":589.12,"end":589.2,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1854468584060669},{"word":"add","start":589.2,"end":589.36,"confidence":0.99902344,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.20011188089847565},{"word":"on","start":589.36,"end":589.52,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.19666101038455963},{"word":"the","start":589.52,"end":589.68,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16186273097991943},{"word":"one","start":589.68,"end":589.84,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.13290268182754517},{"word":"policy","start":589.84,"end":590.32,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.12553957104682922},{"word":"and","start":590.32,"end":590.48,"confidence":0.9604492,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11493971198797226},{"word":"just","start":590.48,"end":590.64,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11111140251159668},{"word":"go","start":590.64,"end":590.88,"confidence":0.9873047,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1406177580356598},{"word":"with","start":590.88,"end":591.04004,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13373981416225433},{"word":"tao","start":591.04004,"end":591.36,"confidence":0.99853516,"punctuated_word":"TAO","sentiment":"neutral","sentiment_score":0.0790041834115982},{"word":"still","start":591.36,"end":591.735,"confidence":0.98291016,"punctuated_word":"still?","sentiment":"neutral","sentiment_score":0.06134219840168953},{"word":"yep","start":599.495,"end":599.995,"confidence":0.9316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09766313433647156},{"word":"now","start":601.415,"end":601.915,"confidence":0.9838867,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06369882822036743},{"word":"one","start":602.055,"end":602.295,"confidence":0.94970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06157013028860092},{"word":"thing","start":602.295,"end":602.45496,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.07549598813056946},{"word":"i'm","start":602.45496,"end":602.535,"confidence":0.9921875,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.061766427010297775},{"word":"just","start":602.535,"end":602.695,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06158298999071121},{"word":"having","start":602.695,"end":602.855,"confidence":0.9951172,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.05817343294620514},{"word":"a","start":602.855,"end":603.015,"confidence":0.81396484,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06657131016254425},{"word":"look","start":603.015,"end":603.255,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05222293734550476},{"word":"at","start":603.255,"end":603.415,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05443217977881432},{"word":"with","start":603.415,"end":603.575,"confidence":0.9902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06314381957054138},{"word":"your","start":603.575,"end":603.735,"confidence":0.9526367,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05741358548402786},{"word":"current","start":603.735,"end":604.055,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.04941055178642273},{"word":"policy","start":604.055,"end":604.555,"confidence":0.99902344,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.05832876265048981},{"word":"through","start":604.615,"end":604.935,"confidence":0.99609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06886927783489227},{"word":"tout","start":604.935,"end":605.435,"confidence":0.97094727,"punctuated_word":"Tout","sentiment":"neutral","sentiment_score":0.0699632316827774},{"word":"is","start":605.69,"end":606.08997,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05439890176057816},{"word":"i","start":606.08997,"end":606.58997,"confidence":0.58496094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04414207860827446},{"word":"mentioned","start":607.92993,"end":608.42993,"confidence":0.9921875,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.04405400902032852},{"word":"before","start":609.76996,"end":609.93,"confidence":0.5830078,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.050966665148735046},{"word":"and","start":611.20996,"end":611.45,"confidence":0.47802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03522460162639618},{"word":"you","start":611.45,"end":611.76996,"confidence":0.984375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05037678778171539},{"word":"had","start":611.76996,"end":612.01,"confidence":0.82666016,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.0371311753988266},{"word":"that","start":612.01,"end":612.32996,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04988481104373932},{"word":"in","start":612.32996,"end":612.57,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.040875986218452454},{"word":"place","start":612.57,"end":612.89,"confidence":0.9692383,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.044084738940000534},{"word":"i'm","start":612.89,"end":613.05,"confidence":0.9916992,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03894190490245819},{"word":"just","start":613.05,"end":613.20996,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04059910029172897},{"word":"trying","start":613.20996,"end":613.52997,"confidence":0.96972656,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.04874247312545776},{"word":"to","start":613.52997,"end":613.61,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04763011634349823},{"word":"look","start":613.61,"end":614.08997,"confidence":0.86694336,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.05731014162302017},{"word":"your","start":614.08997,"end":614.32996,"confidence":0.9970703,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.04562307149171829},{"word":"commencement","start":614.32996,"end":614.82996,"confidence":0.99316406,"punctuated_word":"commencement","sentiment":"neutral","sentiment_score":0.05743002146482468},{"word":"date","start":614.89,"end":615.05,"confidence":0.99902344,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.05009150877594948},{"word":"was","start":615.05,"end":615.37,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05567683279514313},{"word":"2021","start":615.37,"end":616.58997,"confidence":0.9436849,"punctuated_word":"2021.","sentiment":"neutral","sentiment_score":0.051513075828552246},{"word":"so","start":616.73,"end":616.89,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.027532098814845085},{"word":"i'm","start":616.89,"end":617.13,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.029709234833717343},{"word":"just","start":617.13,"end":617.45,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.025077559053897858},{"word":"wondering","start":617.45,"end":617.95,"confidence":1.0,"punctuated_word":"wondering","sentiment":"neutral","sentiment_score":0.02273398265242577},{"word":"if","start":618.01,"end":618.17,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.020667243748903275},{"word":"you've","start":618.17,"end":618.49,"confidence":0.9741211,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.025058340281248093},{"word":"had","start":618.49,"end":618.73,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.009756360203027723},{"word":"any","start":618.73,"end":618.97,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.010828841477632524},{"word":"health","start":618.97,"end":619.29,"confidence":0.98828125,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.0028069615364074707},{"word":"concerns","start":619.29,"end":619.79,"confidence":0.99609375,"punctuated_word":"concerns","sentiment":"neutral","sentiment_score":-0.014875359833240507},{"word":"between","start":619.93,"end":620.43,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.00387762114405632},{"word":"october","start":621.695,"end":622.09503,"confidence":1.0,"punctuated_word":"October","sentiment":"neutral","sentiment_score":0.0032030194997787476},{"word":"2020","start":622.09503,"end":622.815,"confidence":0.99902344,"punctuated_word":"2020","sentiment":"neutral","sentiment_score":0.003981899470090866},{"word":"one","start":622.815,"end":623.055,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0031507648527622223},{"word":"till","start":623.055,"end":623.455,"confidence":0.8051758,"punctuated_word":"till","sentiment":"neutral","sentiment_score":0.01007135584950447},{"word":"now","start":623.455,"end":623.955,"confidence":0.8215332,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.027644043788313866},{"word":"perfect","start":626.655,"end":627.155,"confidence":0.9909668,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2836436629295349},{"word":"so","start":627.29504,"end":627.695,"confidence":0.97802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13650275766849518},{"word":"we'll","start":627.695,"end":628.015,"confidence":0.98779297,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.16454355418682098},{"word":"pretty","start":628.015,"end":628.335,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.18181607127189636},{"word":"much","start":628.335,"end":628.575,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1900944858789444},{"word":"try","start":628.575,"end":628.815,"confidence":0.99902344,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.1646506041288376},{"word":"to","start":628.815,"end":629.055,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14299313724040985},{"word":"prefill","start":629.055,"end":629.555,"confidence":0.77734375,"punctuated_word":"prefill","sentiment":"neutral","sentiment_score":0.14427191019058228},{"word":"90","start":630.015,"end":630.73505,"confidence":1.0,"punctuated_word":"90","sentiment":"neutral","sentiment_score":0.11178245395421982},{"word":"of","start":630.73505,"end":630.895,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.152796670794487},{"word":"an","start":630.895,"end":631.055,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.16314241290092468},{"word":"application","start":631.055,"end":631.555,"confidence":1.0,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.10905050486326218},{"word":"using","start":632.015,"end":632.515,"confidence":0.9980469,"punctuated_word":"using","sentiment":"neutral","sentiment_score":0.08950447291135788},{"word":"what","start":632.73505,"end":632.895,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10056478530168532},{"word":"was","start":632.895,"end":633.135,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.07315966486930847},{"word":"used","start":633.135,"end":633.375,"confidence":1.0,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.06424708664417267},{"word":"for","start":633.375,"end":633.53503,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08829455822706223},{"word":"your","start":633.53503,"end":633.775,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1147276535630226},{"word":"previous","start":633.775,"end":634.275,"confidence":1.0,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":0.0782429426908493},{"word":"life","start":634.335,"end":634.655,"confidence":0.6816406,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.04921937733888626},{"word":"application","start":634.655,"end":635.155,"confidence":0.92163086,"punctuated_word":"application.","sentiment":"neutral","sentiment_score":0.04901345819234848},{"word":"and","start":635.8,"end":636.3,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1969977468252182},{"word":"if","start":637.72003,"end":637.96,"confidence":0.98828125,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3883238434791565},{"word":"that's","start":637.96,"end":638.2,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4488104581832886},{"word":"all","start":638.2,"end":638.36,"confidence":0.99609375,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3866342306137085},{"word":"good","start":638.36,"end":638.60004,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.33469387888908386},{"word":"for","start":638.60004,"end":638.68,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12198720127344131},{"word":"you","start":638.68,"end":639.0,"confidence":0.9970703,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.06315222382545471},{"word":"we","start":639.0,"end":639.08,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06234963610768318},{"word":"can","start":639.08,"end":639.24,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.07021376490592957},{"word":"just","start":639.24,"end":639.74,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09146979451179504},{"word":"give","start":639.96,"end":640.12,"confidence":0.49951172,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.08128494024276733},{"word":"that","start":640.12,"end":640.62,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04685169458389282},{"word":"sensational","start":647.64,"end":648.14,"confidence":0.9074707,"punctuated_word":"sensational.","sentiment":"neutral","sentiment_score":0.3088899552822113},{"word":"so","start":648.795,"end":648.95496,"confidence":0.9970703,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4283357858657837},{"word":"that's","start":648.95496,"end":649.195,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5399799346923828},{"word":"nice","start":649.195,"end":649.51495,"confidence":1.0,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.5728335380554199},{"word":"and","start":649.51495,"end":649.675,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6173878908157349},{"word":"easy","start":649.675,"end":650.175,"confidence":1.0,"punctuated_word":"easy.","sentiment":"positive","sentiment_score":0.4639297127723694},{"word":"what","start":650.39496,"end":650.71497,"confidence":0.90625,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.04399251565337181},{"word":"about","start":650.71497,"end":650.95496,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.023845352232456207},{"word":"with","start":650.95496,"end":651.195,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04289274662733078},{"word":"the","start":651.195,"end":651.355,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04975678026676178},{"word":"cover","start":651.355,"end":651.755,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.02718670666217804},{"word":"amounts","start":651.755,"end":652.075,"confidence":0.890625,"punctuated_word":"amounts","sentiment":"neutral","sentiment_score":0.009465022012591362},{"word":"for","start":652.075,"end":652.235,"confidence":0.9873047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.020611979067325592},{"word":"the","start":652.235,"end":652.39496,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.022717218846082687},{"word":"life","start":652.39496,"end":652.555,"confidence":0.88427734,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.029895156621932983},{"word":"and","start":652.555,"end":652.795,"confidence":0.59277344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.024343088269233704},{"word":"cbd","start":652.795,"end":653.27496,"confidence":0.6694336,"punctuated_word":"CBD?","sentiment":"neutral","sentiment_score":0.03593585267663002},{"word":"i","start":653.27496,"end":653.435,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.018131643533706665},{"word":"know","start":653.435,"end":653.595,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.008827965706586838},{"word":"you've","start":653.595,"end":653.915,"confidence":0.9790039,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.016285177320241928},{"word":"still","start":653.915,"end":654.15497,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.022439688444137573},{"word":"got","start":654.15497,"end":654.65497,"confidence":0.7150879,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":-0.03114616684615612},{"word":"well","start":654.875,"end":655.375,"confidence":0.80371094,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.015141653828322887},{"word":"previously","start":655.675,"end":656.175,"confidence":0.7036133,"punctuated_word":"previously,","sentiment":"neutral","sentiment_score":-0.02484566532075405},{"word":"well","start":656.235,"end":656.475,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.03407049551606178},{"word":"over","start":656.475,"end":656.71497,"confidence":0.90722656,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.025770792737603188},{"word":"1,000,000","start":656.71497,"end":657.295,"confidence":0.9946289,"punctuated_word":"1,000,000","sentiment":"neutral","sentiment_score":-0.019990386441349983},{"word":"worth","start":657.355,"end":657.595,"confidence":0.9941406,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.04669216647744179},{"word":"of","start":657.595,"end":657.755,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.033727146685123444},{"word":"debt","start":657.755,"end":657.995,"confidence":0.99902344,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.036385007202625275},{"word":"in","start":657.995,"end":658.15497,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0275364238768816},{"word":"terms","start":658.15497,"end":658.475,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.01772894524037838},{"word":"of","start":658.475,"end":658.635,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.014531221240758896},{"word":"the","start":658.635,"end":658.875,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.028101416304707527},{"word":"home","start":658.875,"end":659.355,"confidence":0.99902344,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.02141650952398777},{"word":"and","start":659.355,"end":659.51495,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03911958262324333},{"word":"the","start":659.51495,"end":659.755,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04091266542673111},{"word":"investment","start":659.755,"end":660.235,"confidence":0.97998047,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.01928187720477581},{"word":"property","start":660.235,"end":660.555,"confidence":0.98876953,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":-0.03390314429998398},{"word":"is","start":660.555,"end":660.71497,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.019923528656363487},{"word":"that","start":660.71497,"end":660.875,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03312430530786514},{"word":"still","start":660.875,"end":661.115,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.026979651302099228},{"word":"the","start":661.115,"end":661.195,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.045411840081214905},{"word":"case","start":661.195,"end":661.695,"confidence":1.0,"punctuated_word":"case?","sentiment":"neutral","sentiment_score":-0.03603384643793106},{"word":"so","start":672.57,"end":672.73004,"confidence":0.3256836,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03351474180817604},{"word":"i","start":672.73004,"end":672.81,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02973178029060364},{"word":"think","start":672.81,"end":673.05005,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.028337188065052032},{"word":"we","start":673.05005,"end":673.21,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03724543750286102},{"word":"had","start":673.21,"end":673.61005,"confidence":0.82128906,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.056085653603076935},{"word":"about","start":673.61005,"end":674.11005,"confidence":0.92578125,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.03560046851634979},{"word":"750,000","start":674.17004,"end":675.69,"confidence":0.9935547,"punctuated_word":"750,000","sentiment":"neutral","sentiment_score":-0.032591503113508224},{"word":"owing","start":675.69,"end":676.01,"confidence":0.93603516,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":-0.046233441680669785},{"word":"on","start":676.01,"end":676.17004,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05862365663051605},{"word":"the","start":676.17004,"end":676.33,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07007347047328949},{"word":"home","start":676.33,"end":676.83,"confidence":0.95751953,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":-0.05634713172912598},{"word":"$6.40","start":677.235,"end":677.975,"confidence":0.99902344,"punctuated_word":"$6.40","sentiment":"neutral","sentiment_score":-0.06179143488407135},{"word":"owing","start":678.035,"end":678.435,"confidence":0.9921875,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":-0.06218067556619644},{"word":"on","start":678.435,"end":678.515,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06272421777248383},{"word":"the","start":678.515,"end":678.755,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08417978137731552},{"word":"investment","start":678.755,"end":679.15497,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.061602506786584854},{"word":"property","start":679.15497,"end":679.555,"confidence":0.99902344,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.06210014969110489},{"word":"approximately","start":679.555,"end":680.055,"confidence":0.76953125,"punctuated_word":"approximately.","sentiment":"neutral","sentiment_score":-0.05764055997133255},{"word":"thank","start":696.18,"end":696.33997,"confidence":0.65771484,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":-0.02090245485305786},{"word":"you","start":696.33997,"end":696.83997,"confidence":0.94091797,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.07840734720230103},{"word":"away","start":708.27496,"end":708.515,"confidence":0.40283203,"punctuated_word":"Away","sentiment":"neutral","sentiment_score":-0.22409826517105105},{"word":"is","start":708.515,"end":708.595,"confidence":0.63720703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2458854168653488},{"word":"the","start":708.595,"end":708.83496,"confidence":0.9506836,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22583429515361783},{"word":"one","start":708.83496,"end":709.33496,"confidence":0.80737305,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.2517610490322113},{"word":"oh","start":719.64,"end":720.14,"confidence":0.9580078,"punctuated_word":"Oh,","sentiment":"negative","sentiment_score":-0.3726458847522736},{"word":"no","start":725.6475,"end":726.1475,"confidence":0.98217773,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.08076010644435883},{"word":"yeah","start":756.24,"end":756.74,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0848512202501297},{"word":"i","start":756.8,"end":756.95996,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2192306816577911},{"word":"think","start":756.95996,"end":757.19995,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.2622848451137543},{"word":"the","start":757.19995,"end":757.36,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17977505922317505},{"word":"only","start":757.36,"end":757.68,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.16327714920043945},{"word":"two","start":757.68,"end":757.92,"confidence":0.9970703,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.1392657607793808},{"word":"that","start":757.92,"end":758.07996,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14909057319164276},{"word":"i","start":758.07996,"end":758.24,"confidence":0.97314453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.164095938205719},{"word":"found","start":758.24,"end":758.56,"confidence":0.57128906,"punctuated_word":"found","sentiment":"neutral","sentiment_score":-0.1655464470386505},{"word":"that","start":758.56,"end":758.72,"confidence":0.95947266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.095782071352005},{"word":"are","start":758.72,"end":758.8,"confidence":0.8730469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.09662434458732604},{"word":"good","start":758.8,"end":759.12,"confidence":0.9921875,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.10240666568279266},{"word":"is","start":759.12,"end":759.27997,"confidence":0.7788086,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.10654443502426147},{"word":"like","start":759.27997,"end":759.51996,"confidence":0.9926758,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.07569830119609833},{"word":"commonwealth","start":759.51996,"end":760.01996,"confidence":0.8413086,"punctuated_word":"Commonwealth","sentiment":"neutral","sentiment_score":-0.08528076857328415},{"word":"and","start":760.16,"end":760.39996,"confidence":0.9604492,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09182468801736832},{"word":"nab","start":760.39996,"end":760.89996,"confidence":0.6135254,"punctuated_word":"NAB","sentiment":"neutral","sentiment_score":-0.07020284980535507},{"word":"have","start":761.015,"end":761.095,"confidence":0.9604492,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.11360330134630205},{"word":"some","start":761.095,"end":761.335,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.09552820026874542},{"word":"pretty","start":761.335,"end":761.65497,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.10078588128089903},{"word":"decent","start":761.65497,"end":762.055,"confidence":1.0,"punctuated_word":"decent","sentiment":"neutral","sentiment_score":-0.08994288742542267},{"word":"apps","start":762.055,"end":762.375,"confidence":0.9326172,"punctuated_word":"apps,","sentiment":"neutral","sentiment_score":-0.10119207948446274},{"word":"but","start":762.375,"end":762.775,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07623542845249176},{"word":"most","start":762.775,"end":763.095,"confidence":0.9760742,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.1167534813284874},{"word":"banks","start":763.095,"end":763.495,"confidence":0.9970703,"punctuated_word":"banks","sentiment":"neutral","sentiment_score":-0.1422484964132309},{"word":"are","start":763.495,"end":763.575,"confidence":0.98828125,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.491416871547699},{"word":"pretty","start":763.575,"end":763.895,"confidence":1.0,"punctuated_word":"pretty","sentiment":"negative","sentiment_score":-0.37433692812919617},{"word":"terrible","start":763.895,"end":764.295,"confidence":1.0,"punctuated_word":"terrible","sentiment":"negative","sentiment_score":-0.38003239035606384},{"word":"for","start":764.295,"end":764.535,"confidence":0.9760742,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.3506737947463989},{"word":"it","start":764.535,"end":765.035,"confidence":0.94970703,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.3005414605140686},{"word":"combined","start":775.83,"end":776.31,"confidence":0.28881836,"punctuated_word":"Combined","sentiment":"neutral","sentiment_score":-0.03039142489433289},{"word":"for","start":776.31,"end":776.55,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.03712499886751175},{"word":"all","start":776.55,"end":777.03,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.045437805354595184},{"word":"all","start":777.03,"end":777.43,"confidence":0.9873047,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.01777680218219757},{"word":"loans","start":777.43,"end":777.93,"confidence":0.88720703,"punctuated_word":"loans.","sentiment":"neutral","sentiment_score":-0.01687571406364441},{"word":"yep","start":779.91003,"end":780.41003,"confidence":0.92456055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03984377533197403},{"word":"perfect","start":780.79004,"end":781.29004,"confidence":0.99609375,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.13184617459774017},{"word":"you've","start":782.23004,"end":782.47003,"confidence":0.828125,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.02642839215695858},{"word":"never","start":782.47003,"end":782.71,"confidence":0.9951172,"punctuated_word":"never","sentiment":"neutral","sentiment_score":0.002397574484348297},{"word":"gone","start":782.71,"end":782.87,"confidence":0.96435547,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.001816626638174057},{"word":"through","start":782.87,"end":783.11,"confidence":0.9560547,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.0038771778345108032},{"word":"like","start":783.11,"end":783.27,"confidence":0.99658203,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.012991823256015778},{"word":"a","start":783.27,"end":783.35004,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.028161361813545227},{"word":"bankruptcy","start":783.35004,"end":783.85004,"confidence":1.0,"punctuated_word":"bankruptcy","sentiment":"neutral","sentiment_score":-0.014069847762584686},{"word":"or","start":783.91003,"end":784.07,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.019968871027231216},{"word":"a","start":784.07,"end":784.15,"confidence":0.7348633,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015183715149760246},{"word":"debt","start":784.15,"end":784.31,"confidence":0.9951172,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.022825781255960464},{"word":"agreement","start":784.31,"end":784.79004,"confidence":0.99902344,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":-0.02314794436097145},{"word":"before","start":784.79004,"end":785.11,"confidence":0.9680176,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.00035167671740055084},{"word":"have","start":785.11,"end":785.27,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.016821883618831635},{"word":"you","start":785.27,"end":785.625,"confidence":0.95581055,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.0012330804020166395},{"word":"perfect","start":788.185,"end":788.685,"confidence":0.69885254,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.02937624230980873},{"word":"do","start":791.385,"end":791.625,"confidence":0.96435547,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.024552810937166217},{"word":"you","start":791.625,"end":791.705,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.029210861772298813},{"word":"want","start":791.705,"end":791.865,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.02108818106353283},{"word":"me","start":791.865,"end":792.025,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0046783871948719025},{"word":"to","start":792.025,"end":792.105,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005849786102771759},{"word":"do","start":792.105,"end":792.265,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.00016470998525619507},{"word":"any","start":792.265,"end":792.585,"confidence":0.99316406,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.00273904949426651},{"word":"alteration","start":792.585,"end":793.085,"confidence":0.7402344,"punctuated_word":"alteration","sentiment":"neutral","sentiment_score":0.004969337955117226},{"word":"for","start":793.225,"end":793.385,"confidence":0.77978516,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.001331869512796402},{"word":"that","start":793.385,"end":793.625,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0001841820776462555},{"word":"cover","start":793.625,"end":793.945,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.0100729800760746},{"word":"amount","start":793.945,"end":794.265,"confidence":0.99316406,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.011135406792163847},{"word":"for","start":794.265,"end":794.425,"confidence":0.91503906,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.003182314336299896},{"word":"the","start":794.425,"end":794.505,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005729177966713905},{"word":"1.2","start":794.505,"end":795.225,"confidence":0.99869794,"punctuated_word":"1.2","sentiment":"neutral","sentiment_score":0.0036177784204483032},{"word":"mil","start":795.225,"end":795.465,"confidence":0.8161621,"punctuated_word":"mil?","sentiment":"neutral","sentiment_score":0.005147453397512436},{"word":"do","start":795.465,"end":795.625,"confidence":0.9863281,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.003965381532907486},{"word":"you","start":795.625,"end":795.785,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004880212247371674},{"word":"think","start":795.785,"end":795.945,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.005737870931625366},{"word":"because","start":796.025,"end":796.265,"confidence":0.9951172,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.01870078593492508},{"word":"that","start":796.265,"end":796.505,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.026691805571317673},{"word":"obviously","start":796.505,"end":796.905,"confidence":0.9453125,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.013721100986003876},{"word":"covers","start":796.905,"end":797.405,"confidence":0.9951172,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.023514121770858765},{"word":"your","start":797.465,"end":797.965,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.022794101387262344},{"word":"your","start":798.265,"end":798.505,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.022092852741479874},{"word":"main","start":798.505,"end":798.745,"confidence":0.9980469,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.0524214506149292},{"word":"residence","start":798.745,"end":799.245,"confidence":0.92333984,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":0.03076071664690971},{"word":"mortgage","start":799.305,"end":799.785,"confidence":0.99316406,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.056089725345373154},{"word":"pretty","start":799.785,"end":800.025,"confidence":0.9892578,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.05324390530586243},{"word":"solid","start":800.025,"end":800.525,"confidence":0.80200195,"punctuated_word":"solid,","sentiment":"neutral","sentiment_score":0.040292877703905106},{"word":"leaves","start":800.92,"end":801.24,"confidence":0.82128906,"punctuated_word":"leaves","sentiment":"neutral","sentiment_score":0.02341275289654732},{"word":"you","start":801.24,"end":801.74,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018330469727516174},{"word":"another","start":802.04004,"end":802.12,"confidence":0.99902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.01372392475605011},{"word":"half","start":802.12,"end":802.36,"confidence":0.96875,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.009341515600681303},{"word":"a","start":802.36,"end":802.52,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.014760581776499748},{"word":"mil","start":802.52,"end":802.84,"confidence":0.47583008,"punctuated_word":"mil","sentiment":"neutral","sentiment_score":0.037088897079229355},{"word":"plus","start":802.84,"end":803.08,"confidence":0.95947266,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.028333690017461777},{"word":"super","start":803.08,"end":803.48,"confidence":0.90722656,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.04026492312550545},{"word":"on","start":803.48,"end":803.72003,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.017105035483837128},{"word":"top","start":803.72003,"end":804.22003,"confidence":0.9289551,"punctuated_word":"top.","sentiment":"neutral","sentiment_score":-0.007982324808835983},{"word":"and","start":804.28,"end":804.78,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.014107022434473038},{"word":"if","start":805.48,"end":805.64,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06664866209030151},{"word":"you're","start":805.64,"end":805.96,"confidence":0.939209,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.08478014171123505},{"word":"temporarily","start":805.96,"end":806.46,"confidence":0.99902344,"punctuated_word":"temporarily","sentiment":"neutral","sentiment_score":-0.13870596885681152},{"word":"out","start":806.60004,"end":806.72003,"confidence":0.99316406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1675971895456314},{"word":"of","start":806.72003,"end":806.84,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.24693872034549713},{"word":"work","start":806.84,"end":807.08,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.2171157598495483},{"word":"for","start":807.08,"end":807.24,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.18384188413619995},{"word":"a","start":807.24,"end":807.32,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17484205961227417},{"word":"long","start":807.32,"end":807.56,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.15999366343021393},{"word":"period","start":807.56,"end":807.88,"confidence":0.99902344,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.1754910796880722},{"word":"of","start":807.88,"end":808.04004,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20242024958133695},{"word":"time","start":808.04004,"end":808.54004,"confidence":0.9980469,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.18055088818073273},{"word":"income","start":808.60004,"end":809.0,"confidence":0.9941406,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.2522057592868805},{"word":"protection","start":809.0,"end":809.48,"confidence":0.99902344,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.18535563349723816},{"word":"can","start":809.48,"end":809.72003,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1448589712381363},{"word":"kick","start":809.72003,"end":809.96,"confidence":1.0,"punctuated_word":"kick","sentiment":"neutral","sentiment_score":-0.11374788731336594},{"word":"in","start":809.96,"end":810.2,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.12376341968774796},{"word":"as","start":810.2,"end":810.44,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.11390674114227296},{"word":"well","start":810.44,"end":810.94,"confidence":0.99316406,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.11722372472286224},{"word":"yeah","start":816.795,"end":817.195,"confidence":0.99072266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06919796764850616},{"word":"because","start":817.195,"end":817.695,"confidence":0.99902344,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.018468715250492096},{"word":"it's","start":817.755,"end":818.075,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.046532295644283295},{"word":"kind","start":818.075,"end":818.39496,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03895162418484688},{"word":"of","start":818.39496,"end":818.475,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0329759307205677},{"word":"matching","start":818.475,"end":818.975,"confidence":0.70166016,"punctuated_word":"matching,","sentiment":"neutral","sentiment_score":0.04645545035600662},{"word":"like","start":819.035,"end":819.195,"confidence":0.92871094,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0247143916785717},{"word":"you","start":819.195,"end":819.355,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.022125009447336197},{"word":"haven't","start":819.355,"end":819.675,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.0274836216121912},{"word":"had","start":819.675,"end":819.755,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.02610447257757187},{"word":"a","start":819.755,"end":819.915,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00035934150218963623},{"word":"significant","start":819.915,"end":820.415,"confidence":1.0,"punctuated_word":"significant","sentiment":"neutral","sentiment_score":-0.012992553412914276},{"word":"drop","start":820.475,"end":820.71497,"confidence":1.0,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.0020848065614700317},{"word":"in","start":820.71497,"end":820.955,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.033766165375709534},{"word":"liabilities","start":820.955,"end":821.455,"confidence":0.82128906,"punctuated_word":"liabilities.","sentiment":"neutral","sentiment_score":-0.02939577028155327},{"word":"normally","start":821.595,"end":822.095,"confidence":0.99316406,"punctuated_word":"Normally,","sentiment":"neutral","sentiment_score":0.002621519146487117},{"word":"if","start":822.635,"end":822.955,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01067642867565155},{"word":"you're","start":822.955,"end":823.195,"confidence":0.98217773,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0001770866510923952},{"word":"getting","start":823.195,"end":823.435,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.004508711397647858},{"word":"into","start":823.435,"end":823.675,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.0025730133056640625},{"word":"your","start":823.675,"end":823.915,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.00983073189854622},{"word":"forties","start":823.915,"end":824.315,"confidence":0.984375,"punctuated_word":"forties","sentiment":"neutral","sentiment_score":-0.002846715971827507},{"word":"and","start":824.315,"end":824.555,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0026477202773094177},{"word":"the","start":824.555,"end":824.635,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01004846766591072},{"word":"policy","start":824.635,"end":825.115,"confidence":0.84765625,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.0019263885915279388},{"word":"starts","start":825.115,"end":825.435,"confidence":0.6816406,"punctuated_word":"starts","sentiment":"neutral","sentiment_score":-0.011339042335748672},{"word":"getting","start":825.435,"end":825.675,"confidence":0.9980469,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.0025738608092069626},{"word":"up","start":825.675,"end":825.915,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.00496123731136322},{"word":"to","start":825.915,"end":826.38,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0014923103153705597},{"word":"3","start":826.38,"end":826.62,"confidence":0.99902344,"punctuated_word":"3","sentiment":"neutral","sentiment_score":0.0071115996688604355},{"word":"or","start":826.62,"end":826.78,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.016493504866957664},{"word":"$4","start":826.78,"end":827.34,"confidence":0.9766846,"punctuated_word":"$4,","sentiment":"neutral","sentiment_score":0.014312506653368471},{"word":"we'd","start":827.34,"end":827.58,"confidence":0.9494629,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.06898204982280731},{"word":"probably","start":827.58,"end":827.82,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.07177865505218506},{"word":"trim","start":827.82,"end":828.14,"confidence":0.984375,"punctuated_word":"trim","sentiment":"neutral","sentiment_score":0.027433231472969055},{"word":"it","start":828.14,"end":828.22003,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.005081936717033386},{"word":"down","start":828.22003,"end":828.46,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.04141376167535782},{"word":"as","start":828.46,"end":828.62,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.051740862429142},{"word":"you","start":828.62,"end":828.78,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.044467635452747345},{"word":"pay","start":828.78,"end":829.02,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.01303056627511978},{"word":"down","start":829.02,"end":829.18,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.05177542567253113},{"word":"the","start":829.18,"end":829.34,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009161025285720823},{"word":"debts","start":829.34,"end":829.84,"confidence":0.8120117,"punctuated_word":"debts.","sentiment":"neutral","sentiment_score":0.0033548101782798767},{"word":"but","start":829.98,"end":830.22003,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06139053404331207},{"word":"if","start":830.22003,"end":830.38,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1130550503730774},{"word":"that's","start":830.38,"end":830.62,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.12371520698070526},{"word":"still","start":830.62,"end":830.86,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.17573025822639465},{"word":"pretty","start":830.86,"end":831.26,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.16696332395076752},{"word":"stable","start":831.26,"end":831.74,"confidence":0.99902344,"punctuated_word":"stable,","sentiment":"neutral","sentiment_score":0.17947660386562347},{"word":"i","start":831.74,"end":831.82,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1436680555343628},{"word":"would","start":831.82,"end":831.98,"confidence":0.96972656,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.12050342559814452},{"word":"probably","start":831.98,"end":832.3,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.13177141547203064},{"word":"keep","start":832.3,"end":832.46,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.0754522830247879},{"word":"it","start":832.46,"end":832.7,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.033789291977882385},{"word":"around","start":832.7,"end":832.94,"confidence":0.9980469,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.09958383440971376},{"word":"the","start":832.94,"end":833.1,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05114066228270531},{"word":"same","start":833.1,"end":833.6,"confidence":0.951416,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.08905799686908722},{"word":"yep","start":836.14,"end":836.64,"confidence":0.96655273,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10222218930721284},{"word":"we've","start":837.58,"end":837.98,"confidence":0.95825195,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.058135025203228},{"word":"got","start":837.98,"end":838.38,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05182928964495659},{"word":"just","start":838.38,"end":838.62,"confidence":0.97265625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06153717637062073},{"word":"the","start":838.62,"end":838.78,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05216141417622566},{"word":"other","start":838.78,"end":839.02,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.041929829865694046},{"word":"assets","start":839.02,"end":839.42,"confidence":0.96484375,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.035536039620637894},{"word":"i","start":839.42,"end":839.5,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.028522921726107597},{"word":"think","start":839.5,"end":839.74,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.027339933440089222},{"word":"you","start":839.74,"end":839.9,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04682997614145279},{"word":"had","start":839.9,"end":840.22003,"confidence":0.99316406,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.02557270973920822},{"word":"a","start":840.22003,"end":840.46,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03790612146258354},{"word":"car","start":840.46,"end":840.78,"confidence":0.9633789,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.04571054130792618},{"word":"there","start":840.78,"end":840.94,"confidence":0.9941406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.034814171493053436},{"word":"with","start":840.94,"end":841.26,"confidence":0.97509766,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.026151906698942184},{"word":"about","start":841.26,"end":841.665,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.029462149366736412},{"word":"the","start":841.82495,"end":842.14496,"confidence":0.9277344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0361701101064682},{"word":"glc","start":842.14496,"end":842.64496,"confidence":0.7861328,"punctuated_word":"GLC.","sentiment":"neutral","sentiment_score":0.03281877562403679},{"word":"i","start":843.02496,"end":843.185,"confidence":0.32617188,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02224700897932053},{"word":"think","start":843.185,"end":843.305,"confidence":0.25830078,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.021980078890919685},{"word":"you","start":843.305,"end":843.425,"confidence":0.5703125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04665961489081383},{"word":"got","start":843.425,"end":843.745,"confidence":0.34960938,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.03245631605386734},{"word":"68,000","start":843.745,"end":844.625,"confidence":0.9690755,"punctuated_word":"68,000","sentiment":"neutral","sentiment_score":0.03353710472583771},{"word":"on","start":844.625,"end":844.785,"confidence":0.8911133,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.046528302133083344},{"word":"the","start":844.785,"end":844.945,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03840097039937973},{"word":"car","start":844.945,"end":845.105,"confidence":0.8178711,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.028364969417452812},{"word":"loan","start":845.105,"end":845.605,"confidence":0.91796875,"punctuated_word":"loan.","sentiment":"neutral","sentiment_score":0.024265984073281288},{"word":"yep","start":853.345,"end":853.82495,"confidence":0.88427734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14151552319526672},{"word":"perfect","start":853.82495,"end":854.32495,"confidence":0.9316406,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.32694414258003235},{"word":"and","start":855.16,"end":855.48,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.16071660816669464},{"word":"i","start":855.48,"end":855.64,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12492384016513824},{"word":"think","start":855.64,"end":855.88,"confidence":0.9951172,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.14511321485042572},{"word":"the","start":855.88,"end":855.96,"confidence":0.8769531,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13883516192436218},{"word":"other","start":855.96,"end":856.28,"confidence":0.55078125,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.158492773771286},{"word":"asset","start":856.28,"end":856.68,"confidence":0.77441406,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.09197895228862762},{"word":"was","start":856.68,"end":857.0,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1025649681687355},{"word":"solar","start":857.0,"end":857.48,"confidence":0.9291992,"punctuated_word":"solar","sentiment":"neutral","sentiment_score":0.14759837090969086},{"word":"and","start":857.48,"end":857.72,"confidence":0.5336914,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10823588818311693},{"word":"then","start":857.72,"end":857.96,"confidence":0.95703125,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14066341519355774},{"word":"your","start":857.96,"end":858.2,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13908034563064575},{"word":"investment","start":858.2,"end":858.68,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.10869251936674118},{"word":"account","start":858.68,"end":859.0,"confidence":0.87402344,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.10469099879264832},{"word":"there's","start":859.0,"end":859.24,"confidence":1.0,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.0452328622341156},{"word":"no","start":859.24,"end":859.4,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.0265812911093235},{"word":"other","start":859.4,"end":859.9,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.00825309008359909},{"word":"scans","start":860.6,"end":861.0,"confidence":0.7246094,"punctuated_word":"scans","sentiment":"neutral","sentiment_score":0.0034215301275253296},{"word":"or","start":861.0,"end":861.24,"confidence":0.9770508,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02120053768157959},{"word":"crypto","start":861.24,"end":861.64,"confidence":0.9892578,"punctuated_word":"crypto","sentiment":"neutral","sentiment_score":-0.0021920837461948395},{"word":"or","start":861.64,"end":861.72,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0003500692546367645},{"word":"anything","start":861.72,"end":862.04,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.008615542203187943},{"word":"floating","start":862.04,"end":862.44,"confidence":0.9658203,"punctuated_word":"floating","sentiment":"neutral","sentiment_score":0.0426250584423542},{"word":"around","start":862.44,"end":862.68,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.04689033329486847},{"word":"as","start":862.68,"end":862.84,"confidence":0.3959961,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0692690908908844},{"word":"they","start":862.84,"end":862.92,"confidence":0.9604492,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.024464815855026245},{"word":"can","start":862.92,"end":863.42,"confidence":0.79956055,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.015279470011591911},{"word":"perfect","start":874.375,"end":874.875,"confidence":0.97924805,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.21876253187656405},{"word":"alrighty","start":874.935,"end":875.435,"confidence":0.99902344,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.15696364641189575},{"word":"so","start":875.815,"end":876.055,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13873744010925293},{"word":"that's","start":876.055,"end":876.375,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.143397718667984},{"word":"pretty","start":876.375,"end":876.53503,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.14767709374427795},{"word":"much","start":876.53503,"end":876.775,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.11353202164173126},{"word":"all","start":876.775,"end":877.015,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.14404776692390442},{"word":"the","start":877.015,"end":877.175,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13757747411727905},{"word":"details","start":877.175,"end":877.675,"confidence":0.8354492,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.1895606815814972},{"word":"up","start":877.895,"end":878.135,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1701238453388214},{"word":"to","start":878.135,"end":878.29504,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15799278020858765},{"word":"date","start":878.29504,"end":878.53503,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.17749236524105072},{"word":"there","start":878.53503,"end":879.03503,"confidence":0.9975586,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.16311009228229523},{"word":"i've","start":879.6,"end":879.83997,"confidence":0.9921875,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.10765805095434187},{"word":"got","start":879.83997,"end":880.0,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2109014987945557},{"word":"a","start":880.0,"end":880.08,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15641963481903076},{"word":"pretty","start":880.08,"end":880.32,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.20255756378173828},{"word":"solid","start":880.32,"end":880.64,"confidence":1.0,"punctuated_word":"solid","sentiment":"neutral","sentiment_score":0.18812325596809387},{"word":"idea","start":880.64,"end":880.96,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.2133779227733612},{"word":"about","start":880.96,"end":881.2,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1703427881002426},{"word":"what","start":881.2,"end":881.36,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.16749921441078186},{"word":"to","start":881.36,"end":881.44,"confidence":0.96777344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16258183121681213},{"word":"do","start":881.44,"end":881.68,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1401488482952118},{"word":"with","start":881.68,"end":881.76,"confidence":0.9038086,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15288564562797546},{"word":"the","start":881.76,"end":881.92,"confidence":0.96240234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14101523160934448},{"word":"income","start":881.92,"end":882.24,"confidence":0.99121094,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.08610640466213226},{"word":"protection","start":882.24,"end":882.74,"confidence":0.9975586,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.10085596889257432},{"word":"i","start":883.2,"end":883.36,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0736069455742836},{"word":"do","start":883.36,"end":883.6,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07759232074022293},{"word":"have","start":883.6,"end":883.83997,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04397066682577133},{"word":"to","start":883.83997,"end":884.0,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03652220964431763},{"word":"ask","start":884.0,"end":884.24,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.032932400703430176},{"word":"the","start":884.24,"end":884.4,"confidence":0.90722656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02313896641135216},{"word":"question","start":884.4,"end":884.72,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.027849674224853516},{"word":"if","start":884.72,"end":884.88,"confidence":0.9316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01049831137061119},{"word":"you","start":884.88,"end":885.04,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01978369802236557},{"word":"wanted","start":885.04,"end":885.36,"confidence":0.9951172,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.026499371975660324},{"word":"me","start":885.36,"end":885.6,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.033845454454422},{"word":"to","start":885.6,"end":885.68,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04699662700295448},{"word":"get","start":885.68,"end":885.92,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.04380771890282631},{"word":"you","start":885.92,"end":886.16,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04399166628718376},{"word":"a","start":886.16,"end":886.32,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05787266790866852},{"word":"quote","start":886.32,"end":886.72,"confidence":0.9770508,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.0421733632683754},{"word":"for","start":886.72,"end":886.88,"confidence":0.50097656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.030225560069084167},{"word":"trauma","start":886.88,"end":887.27997,"confidence":0.9580078,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.011997871100902556},{"word":"insurance","start":887.27997,"end":887.77997,"confidence":0.9765625,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.0192734245210886},{"word":"which","start":888.4,"end":888.56,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.019330408424139023},{"word":"is","start":888.56,"end":888.8,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.008541777729988098},{"word":"kind","start":888.8,"end":889.04,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.01617233082652092},{"word":"of","start":889.04,"end":889.2,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.013833824545145037},{"word":"like","start":889.2,"end":889.7,"confidence":0.9277344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.01584453135728836},{"word":"a","start":889.80005,"end":890.30005,"confidence":0.74072266,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004738600924611092},{"word":"it's","start":890.64,"end":890.88,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.011548306792974472},{"word":"called","start":890.88,"end":891.36,"confidence":0.99902344,"punctuated_word":"called","sentiment":"neutral","sentiment_score":-0.013029757887125015},{"word":"trauma","start":891.36,"end":891.86,"confidence":0.88623047,"punctuated_word":"trauma,","sentiment":"neutral","sentiment_score":-0.01407519169151783},{"word":"and","start":892.095,"end":892.25494,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.007448259741067886},{"word":"it's","start":892.25494,"end":892.495,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.00514250248670578},{"word":"like","start":892.495,"end":892.84357,"confidence":0.96777344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0033676661550998688},{"word":"a","start":892.84357,"end":893.19214,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0012488607317209244},{"word":"a","start":893.19214,"end":893.5407,"confidence":0.75341797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.005667068064212799},{"word":"small","start":893.5407,"end":893.8893,"confidence":0.99902344,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.0026683583855628967},{"word":"lump","start":893.8893,"end":894.23785,"confidence":0.9951172,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.005365919321775436},{"word":"sum","start":894.23785,"end":894.5864,"confidence":0.9980469,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":-0.005895286798477173},{"word":"if","start":894.5864,"end":894.935,"confidence":0.9536133,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.018238119781017303},{"word":"you","start":894.935,"end":895.28357,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.026646550744771957},{"word":"have","start":895.28357,"end":895.63214,"confidence":0.93847656,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.03483249247074127},{"word":"like","start":895.63214,"end":895.9807,"confidence":0.9951172,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.03140028566122055},{"word":"a","start":895.9807,"end":896.3293,"confidence":0.9707031,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.030924031510949135},{"word":"heart","start":896.3293,"end":896.67786,"confidence":0.99902344,"punctuated_word":"heart","sentiment":"neutral","sentiment_score":-0.030292686074972153},{"word":"attack","start":896.67786,"end":897.0264,"confidence":0.9904785,"punctuated_word":"attack,","sentiment":"neutral","sentiment_score":-0.02431119792163372},{"word":"stroke","start":897.0264,"end":897.375,"confidence":0.95043945,"punctuated_word":"stroke,","sentiment":"neutral","sentiment_score":-0.020516445860266685},{"word":"or","start":897.375,"end":897.69495,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03398654982447624},{"word":"cancer","start":897.69495,"end":898.19495,"confidence":1.0,"punctuated_word":"cancer","sentiment":"neutral","sentiment_score":-0.020369939506053925},{"word":"to","start":898.65497,"end":898.89496,"confidence":0.96875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02915818989276886},{"word":"pay","start":898.89496,"end":899.055,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.03092721849679947},{"word":"for","start":899.055,"end":899.295,"confidence":0.98168945,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.02934540808200836},{"word":"like","start":899.295,"end":899.535,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.03659295663237572},{"word":"medical","start":899.535,"end":899.935,"confidence":0.9980469,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":-0.026612065732479095},{"word":"bills","start":899.935,"end":900.33496,"confidence":0.99902344,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":-0.017675794661045074},{"word":"or","start":900.33496,"end":900.495,"confidence":0.91748047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03783434256911278},{"word":"your","start":900.495,"end":900.65497,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.047429159283638},{"word":"partner","start":900.65497,"end":901.055,"confidence":0.99609375,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":-0.06475412845611572},{"word":"taking","start":901.055,"end":901.45496,"confidence":0.9980469,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.04405173659324646},{"word":"time","start":901.45496,"end":901.69495,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.04958641156554222},{"word":"off","start":901.69495,"end":901.935,"confidence":0.99609375,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.05346094444394112},{"word":"work","start":901.935,"end":902.435,"confidence":0.94140625,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.061093155294656754},{"word":"but","start":902.735,"end":903.055,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03993000090122223},{"word":"nothing","start":903.055,"end":903.535,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.06501222401857376},{"word":"that","start":903.535,"end":903.855,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11395854502916336},{"word":"is","start":903.855,"end":904.175,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1005597934126854},{"word":"causing","start":904.175,"end":904.675,"confidence":1.0,"punctuated_word":"causing","sentiment":"neutral","sentiment_score":-0.1300848126411438},{"word":"death","start":905.295,"end":905.615,"confidence":0.9951172,"punctuated_word":"death","sentiment":"neutral","sentiment_score":-0.13949456810951233},{"word":"or","start":905.615,"end":905.935,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.22804979979991913},{"word":"permanent","start":905.935,"end":906.415,"confidence":0.99902344,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":-0.19942839443683624},{"word":"disability","start":906.415,"end":906.915,"confidence":0.9980469,"punctuated_word":"disability.","sentiment":"neutral","sentiment_score":-0.11533720046281816},{"word":"yep","start":912.44995,"end":912.76996,"confidence":0.9350586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06762684136629105},{"word":"that's","start":912.76996,"end":913.08997,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.21366676688194275},{"word":"totally","start":913.08997,"end":913.49,"confidence":0.99609375,"punctuated_word":"totally","sentiment":"neutral","sentiment_score":0.2640601694583893},{"word":"fine","start":913.49,"end":913.99,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2448122799396515},{"word":"can","start":914.29,"end":914.52997,"confidence":0.8535156,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.1353660523891449},{"word":"i","start":914.52997,"end":914.61,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15241661667823792},{"word":"just","start":914.61,"end":914.85,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14085820317268372},{"word":"ask","start":914.85,"end":915.00995,"confidence":0.5930176,"punctuated_word":"ask,","sentiment":"neutral","sentiment_score":0.09413109719753264},{"word":"cash","start":915.00995,"end":915.32996,"confidence":0.49194336,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.05001302808523178},{"word":"flow","start":915.32996,"end":915.64996,"confidence":0.7705078,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.07902034372091293},{"word":"wise","start":915.64996,"end":916.12994,"confidence":0.91674805,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.07611966133117676},{"word":"how","start":916.12994,"end":916.29,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0668947771191597},{"word":"are","start":916.29,"end":916.37,"confidence":0.8647461,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.059607572853565216},{"word":"you","start":916.37,"end":916.52997,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06234319135546684},{"word":"guys","start":916.52997,"end":916.76996,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.0628746971487999},{"word":"going","start":916.76996,"end":917.08997,"confidence":0.9941406,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.09643086791038512},{"word":"with","start":917.08997,"end":917.32996,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03913850337266922},{"word":"your","start":917.32996,"end":917.56995,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.021303974092006683},{"word":"i","start":917.88995,"end":917.97,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04188641533255577},{"word":"know","start":917.97,"end":918.12994,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.04343153536319733},{"word":"you're","start":918.12994,"end":918.37,"confidence":0.81347656,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.036594562232494354},{"word":"doing","start":918.37,"end":918.69,"confidence":0.9941406,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.03138592094182968},{"word":"some","start":918.69,"end":919.08997,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.022846288979053497},{"word":"equity","start":919.08997,"end":919.49,"confidence":0.99609375,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":0.022408150136470795},{"word":"release","start":919.49,"end":919.88995,"confidence":0.9243164,"punctuated_word":"release","sentiment":"neutral","sentiment_score":0.0440995879471302},{"word":"and","start":919.88995,"end":920.12994,"confidence":0.9580078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03541978448629379},{"word":"renovations","start":920.12994,"end":920.62994,"confidence":0.93115234,"punctuated_word":"renovations","sentiment":"neutral","sentiment_score":0.06168974190950394},{"word":"and","start":920.93,"end":921.08997,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03231412172317505},{"word":"so","start":921.08997,"end":921.32996,"confidence":0.9951172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03537675738334656},{"word":"on","start":921.32996,"end":921.795,"confidence":0.984375,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":0.036963336169719696},{"word":"are","start":921.795,"end":921.95496,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.03848867118358612},{"word":"you","start":921.95496,"end":922.115,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0418168343603611},{"word":"guys","start":922.115,"end":922.27496,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.0483865961432457},{"word":"still","start":922.27496,"end":922.595,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0497731938958168},{"word":"able","start":922.595,"end":922.915,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1015336886048317},{"word":"to","start":922.915,"end":923.235,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12310688942670822},{"word":"put","start":923.235,"end":923.475,"confidence":0.99609375,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.1131533980369568},{"word":"aside","start":923.475,"end":923.795,"confidence":0.9892578,"punctuated_word":"aside","sentiment":"neutral","sentiment_score":0.13600167632102966},{"word":"a","start":923.795,"end":923.875,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11262741684913637},{"word":"decent","start":923.875,"end":924.355,"confidence":0.99902344,"punctuated_word":"decent","sentiment":"neutral","sentiment_score":0.1074812039732933},{"word":"amount","start":924.355,"end":924.595,"confidence":0.99609375,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.09333238005638124},{"word":"into","start":924.595,"end":925.095,"confidence":0.95996094,"punctuated_word":"into,","sentiment":"neutral","sentiment_score":0.10785993188619614},{"word":"like","start":925.635,"end":925.95496,"confidence":0.9941406,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10461313277482986},{"word":"surplus","start":925.95496,"end":926.355,"confidence":0.9941406,"punctuated_word":"surplus","sentiment":"neutral","sentiment_score":0.12584996223449707},{"word":"cash","start":926.355,"end":926.675,"confidence":0.9980469,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.06992893666028976},{"word":"flow","start":926.675,"end":926.83496,"confidence":0.92822266,"punctuated_word":"flow,","sentiment":"neutral","sentiment_score":0.11432987451553343},{"word":"would","start":926.83496,"end":927.075,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07803768664598465},{"word":"you","start":927.075,"end":927.325,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06395895779132843},{"word":"say","start":927.325,"end":927.825,"confidence":0.99853516,"punctuated_word":"say?","sentiment":"neutral","sentiment_score":0.06749667227268219},{"word":"yes","start":951.635,"end":952.135,"confidence":0.9980469,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07215921580791473},{"word":"yeah","start":961.235,"end":961.735,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012596317566931248},{"word":"it's","start":972.38,"end":972.7,"confidence":0.99365234,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.09842048585414886},{"word":"crazy","start":972.7,"end":973.1,"confidence":0.86987305,"punctuated_word":"crazy,","sentiment":"neutral","sentiment_score":-0.1659613698720932},{"word":"isn't","start":973.1,"end":973.42,"confidence":0.9970703,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.11055251955986024},{"word":"it","start":973.42,"end":973.92,"confidence":0.9975586,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.1227918416261673},{"word":"i've","start":980.065,"end":980.305,"confidence":0.9526367,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.15128636360168457},{"word":"got","start":980.305,"end":980.465,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.19753862917423248},{"word":"the","start":980.465,"end":980.625,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19823014736175537},{"word":"same","start":980.625,"end":980.865,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.1898292899131775},{"word":"thing","start":980.865,"end":981.10504,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.19270779192447665},{"word":"with","start":981.10504,"end":981.265,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.23387980461120603},{"word":"the","start":981.265,"end":981.425,"confidence":0.8154297,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18992410600185392},{"word":"six","start":981.425,"end":981.66504,"confidence":0.8339844,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.21055462956428528},{"word":"and","start":981.66504,"end":981.825,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19711631536483765},{"word":"three","start":981.825,"end":982.065,"confidence":0.97998047,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.20487293601036072},{"word":"year","start":982.065,"end":982.22504,"confidence":0.67626953,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.21394039690494537},{"word":"old","start":982.22504,"end":982.465,"confidence":0.767334,"punctuated_word":"old.","sentiment":"neutral","sentiment_score":-0.16499435901641846},{"word":"it's","start":982.465,"end":982.705,"confidence":0.97875977,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.3387826383113861},{"word":"crazy","start":982.705,"end":983.205,"confidence":0.5533447,"punctuated_word":"crazy.","sentiment":"neutral","sentiment_score":-0.26490041613578796},{"word":"yep","start":1013.975,"end":1014.475,"confidence":0.84033203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18591539561748505},{"word":"yep","start":1014.535,"end":1014.855,"confidence":0.91552734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2855253219604492},{"word":"amazing","start":1014.855,"end":1015.335,"confidence":0.99902344,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.5670011639595032},{"word":"so","start":1015.335,"end":1015.495,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4452093541622162},{"word":"everything","start":1015.495,"end":1015.815,"confidence":0.9980469,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.4594359397888184},{"word":"is","start":1015.815,"end":1015.895,"confidence":0.5800781,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.43416133522987366},{"word":"going","start":1015.895,"end":1016.135,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.5246843695640564},{"word":"into","start":1016.135,"end":1016.375,"confidence":0.94970703,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.5085694193840027},{"word":"offset","start":1016.375,"end":1016.775,"confidence":0.8461914,"punctuated_word":"offset.","sentiment":"positive","sentiment_score":0.35777410864830017},{"word":"that's","start":1016.775,"end":1017.015,"confidence":0.98950195,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3509310185909271},{"word":"obviously","start":1017.015,"end":1017.415,"confidence":0.83203125,"punctuated_word":"obviously","sentiment":"positive","sentiment_score":0.36411944031715393},{"word":"building","start":1017.415,"end":1017.815,"confidence":0.9941406,"punctuated_word":"building","sentiment":"positive","sentiment_score":0.4181265532970429},{"word":"up","start":1017.815,"end":1017.975,"confidence":0.8408203,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4060309827327728},{"word":"equity","start":1017.975,"end":1018.375,"confidence":0.99902344,"punctuated_word":"equity","sentiment":"positive","sentiment_score":0.44562479853630066},{"word":"in","start":1018.375,"end":1018.535,"confidence":0.96240234,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3939513564109802},{"word":"there","start":1018.535,"end":1019.035,"confidence":0.9975586,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.3570740818977356},{"word":"are","start":1019.18,"end":1019.25995,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.07279038429260254},{"word":"you","start":1019.25995,"end":1019.5,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08774648606777191},{"word":"looking","start":1019.5,"end":1019.74,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.10236723721027374},{"word":"to","start":1019.74,"end":1019.98,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08539411425590515},{"word":"kind","start":1019.98,"end":1020.22,"confidence":0.96435547,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10058924555778503},{"word":"of","start":1020.22,"end":1020.45996,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13096101582050323},{"word":"invest","start":1020.45996,"end":1020.94,"confidence":0.9941406,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.07954727858304977},{"word":"that","start":1020.94,"end":1021.18,"confidence":0.96435547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13671286404132843},{"word":"for","start":1021.18,"end":1021.33997,"confidence":0.453125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15196263790130615},{"word":"more","start":1021.33997,"end":1021.57996,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.12103918939828873},{"word":"properties","start":1021.57996,"end":1021.98,"confidence":0.9506836,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":0.1499367356300354},{"word":"down","start":1021.98,"end":1022.22,"confidence":0.99121094,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.15408439934253693},{"word":"the","start":1022.22,"end":1022.3,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1457958072423935},{"word":"line","start":1022.3,"end":1022.54,"confidence":0.9980469,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.14345398545265198},{"word":"or","start":1022.54,"end":1022.69995,"confidence":0.5859375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06418333947658539},{"word":"just","start":1022.69995,"end":1022.94,"confidence":0.9658203,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07220324873924255},{"word":"get","start":1022.94,"end":1023.1,"confidence":0.9941406,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12369759380817412},{"word":"the","start":1023.1,"end":1023.18,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13085615634918213},{"word":"debt","start":1023.18,"end":1023.42,"confidence":0.79003906,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.1088678315281868},{"word":"down","start":1023.42,"end":1023.92,"confidence":0.9921875,"punctuated_word":"down?","sentiment":"neutral","sentiment_score":0.0976373553276062},{"word":"yeah","start":1055.63,"end":1056.13,"confidence":0.9511719,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10594265162944794},{"word":"yeah","start":1065.005,"end":1065.405,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.039287179708480835},{"word":"when","start":1065.405,"end":1065.725,"confidence":0.99609375,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.04000740498304367},{"word":"interest","start":1065.725,"end":1066.045,"confidence":1.0,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.017977744340896606},{"word":"rates","start":1066.045,"end":1066.285,"confidence":1.0,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":0.05376295745372772},{"word":"were","start":1066.285,"end":1066.525,"confidence":0.9902344,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.030190974473953247},{"word":"almost","start":1066.525,"end":1066.925,"confidence":0.9941406,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":0.07398193329572678},{"word":"zero","start":1066.925,"end":1067.405,"confidence":0.9885254,"punctuated_word":"zero,","sentiment":"neutral","sentiment_score":0.05421404540538788},{"word":"it","start":1067.405,"end":1067.485,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09883327782154085},{"word":"was","start":1067.485,"end":1067.725,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.07264529168605804},{"word":"really","start":1067.725,"end":1068.045,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.12010793387889862},{"word":"easy","start":1068.045,"end":1068.285,"confidence":0.9970703,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":0.10530254244804382},{"word":"to","start":1068.285,"end":1068.365,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0961478129029274},{"word":"get","start":1068.365,"end":1068.605,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06447099149227142},{"word":"positively","start":1068.605,"end":1069.105,"confidence":0.92089844,"punctuated_word":"positively","sentiment":"neutral","sentiment_score":0.1607666164636612},{"word":"geared","start":1069.165,"end":1069.405,"confidence":0.9604492,"punctuated_word":"geared","sentiment":"neutral","sentiment_score":0.11688067018985748},{"word":"properties","start":1069.405,"end":1069.885,"confidence":0.80249023,"punctuated_word":"properties.","sentiment":"neutral","sentiment_score":0.03244185447692871},{"word":"but","start":1069.885,"end":1070.125,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0075640082359313965},{"word":"now","start":1070.125,"end":1070.285,"confidence":0.9980469,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.039856329560279846},{"word":"that","start":1070.285,"end":1070.4451,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06200705096125603},{"word":"it's","start":1070.4451,"end":1070.685,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.06963323056697845},{"word":"gone","start":1070.685,"end":1071.005,"confidence":0.56152344,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.07959000766277313},{"word":"up","start":1071.005,"end":1071.42,"confidence":0.9902344,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.05811718851327896},{"word":"most","start":1071.66,"end":1071.9,"confidence":0.9941406,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.08743052184581757},{"word":"of","start":1071.9,"end":1072.14,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05755870044231415},{"word":"them","start":1072.14,"end":1072.38,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.04628239572048187},{"word":"are","start":1072.38,"end":1072.4601,"confidence":0.984375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.04631386697292328},{"word":"just","start":1072.4601,"end":1072.62,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1069301962852478},{"word":"it's","start":1072.86,"end":1073.36,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.24442504346370697},{"word":"hard","start":1073.42,"end":1073.66,"confidence":0.95947266,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.2879117429256439},{"word":"to","start":1073.66,"end":1073.8201,"confidence":0.89501953,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.26847144961357117},{"word":"even","start":1073.8201,"end":1074.06,"confidence":0.9873047,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.19626140594482425},{"word":"break","start":1074.06,"end":1074.3,"confidence":0.84472656,"punctuated_word":"break","sentiment":"neutral","sentiment_score":-0.20291495323181152},{"word":"even","start":1074.3,"end":1074.8,"confidence":0.9980469,"punctuated_word":"even.","sentiment":"neutral","sentiment_score":-0.14200802147388458},{"word":"have","start":1075.8201,"end":1076.06,"confidence":0.91845703,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.04015889763832092},{"word":"you","start":1076.06,"end":1076.2201,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026348888874053955},{"word":"considered","start":1076.2201,"end":1076.7201,"confidence":0.99902344,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":0.015617871657013891},{"word":"going","start":1076.9401,"end":1077.4401,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.02575105801224709},{"word":"i","start":1079.8201,"end":1079.9801,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0060662999749183655},{"word":"was","start":1079.9801,"end":1080.14,"confidence":0.9614258,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0033649131655693054},{"word":"just","start":1080.14,"end":1080.38,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0023691467940807343},{"word":"gonna","start":1080.38,"end":1080.7001,"confidence":0.87597656,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.006871821358799934},{"word":"say","start":1080.7001,"end":1080.9401,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.014089230448007584},{"word":"anything","start":1080.9401,"end":1081.42,"confidence":0.96435547,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.019306737929582596},{"word":"kind","start":1081.42,"end":1081.66,"confidence":0.98291016,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.008171005174517632},{"word":"of","start":1081.66,"end":1081.9,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.001832416281104088},{"word":"outside","start":1081.9,"end":1082.38,"confidence":0.99902344,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.010647233575582504},{"word":"of","start":1082.38,"end":1082.54,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006395358592271805},{"word":"the","start":1082.54,"end":1082.7001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.001932051032781601},{"word":"area","start":1082.7001,"end":1083.1001,"confidence":0.663208,"punctuated_word":"area.","sentiment":"neutral","sentiment_score":0.00002919696271419525},{"word":"have","start":1083.1001,"end":1083.26,"confidence":0.8520508,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.00095488503575325},{"word":"you","start":1083.26,"end":1083.3401,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0028708763420581818},{"word":"considered","start":1083.3401,"end":1083.8401,"confidence":0.9921875,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":0.0026838835328817368},{"word":"rural","start":1083.9801,"end":1084.38,"confidence":0.9892578,"punctuated_word":"rural","sentiment":"neutral","sentiment_score":0.0179794542491436},{"word":"or","start":1084.38,"end":1084.54,"confidence":0.94921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.006001614034175873},{"word":"commercial","start":1084.54,"end":1085.04,"confidence":1.0,"punctuated_word":"commercial","sentiment":"neutral","sentiment_score":0.018902873620390892},{"word":"or","start":1085.1001,"end":1085.18,"confidence":0.9941406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.00631088949739933},{"word":"anything","start":1085.18,"end":1085.5,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.003567645326256752},{"word":"like","start":1085.5,"end":1085.66,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.015076439827680588},{"word":"that","start":1085.66,"end":1085.8201,"confidence":0.7116699,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.006750093773007393},{"word":"or","start":1085.8201,"end":1085.9801,"confidence":0.984375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.001557677984237671},{"word":"you","start":1085.9801,"end":1086.14,"confidence":0.8935547,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005194639787077904},{"word":"would","start":1086.14,"end":1086.38,"confidence":0.80126953,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.003430714830756187},{"word":"just","start":1086.38,"end":1086.88,"confidence":0.4638672,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.007450655102729797},{"word":"yeah","start":1101.1,"end":1101.6,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.16258478164672852},{"word":"yep","start":1128.02,"end":1128.52,"confidence":0.7763672,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.14954137802124023},{"word":"yep","start":1139.475,"end":1139.975,"confidence":0.89941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.11584335565567017},{"word":"yeah","start":1150.8401,"end":1151.24,"confidence":0.7470703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10908956825733183},{"word":"between","start":1151.24,"end":1151.7201,"confidence":0.9921875,"punctuated_word":"Between","sentiment":"neutral","sentiment_score":-0.16115717589855194},{"word":"the","start":1151.7201,"end":1151.88,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16526448726654053},{"word":"mines","start":1151.88,"end":1152.36,"confidence":0.9135742,"punctuated_word":"mines,","sentiment":"neutral","sentiment_score":-0.16900798678398132},{"word":"the","start":1152.36,"end":1152.68,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24781480431556704},{"word":"insurances","start":1152.68,"end":1153.18,"confidence":0.90600586,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.17273607850074768},{"word":"and","start":1153.3201,"end":1153.56,"confidence":0.8017578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1710408627986908},{"word":"rights","start":1153.56,"end":1154.06,"confidence":0.8391113,"punctuated_word":"rights.","sentiment":"neutral","sentiment_score":-0.1626267433166504},{"word":"yeah","start":1154.36,"end":1154.86,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0813981294631958},{"word":"yep","start":1176.81,"end":1177.31,"confidence":0.8718262,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.034586843103170395},{"word":"perfect","start":1186.41,"end":1186.91,"confidence":0.9916992,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4856925010681152},{"word":"so","start":1187.13,"end":1187.63,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.32623666524887085},{"word":"bit","start":1187.85,"end":1188.01,"confidence":0.39111328,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3349825143814087},{"word":"of","start":1188.01,"end":1188.0901,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.268117755651474},{"word":"patience","start":1188.0901,"end":1188.5701,"confidence":0.97265625,"punctuated_word":"patience","sentiment":"positive","sentiment_score":0.3685158491134643},{"word":"will","start":1188.5701,"end":1188.89,"confidence":0.9921875,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.5260873436927795},{"word":"hopefully","start":1188.89,"end":1189.29,"confidence":0.9873047,"punctuated_word":"hopefully","sentiment":"positive","sentiment_score":0.5831849575042725},{"word":"pay","start":1189.29,"end":1189.53,"confidence":0.9707031,"punctuated_word":"pay","sentiment":"positive","sentiment_score":0.4117729663848877},{"word":"off","start":1189.53,"end":1189.77,"confidence":0.99902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.30867063999176025},{"word":"there","start":1189.77,"end":1190.27,"confidence":0.9785156,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.425288438796997},{"word":"when","start":1190.9451,"end":1191.185,"confidence":0.99609375,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.04184148833155632},{"word":"it","start":1191.185,"end":1191.345,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.055995047092437744},{"word":"comes","start":1191.345,"end":1191.745,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.01225948240607977},{"word":"to","start":1191.745,"end":1192.245,"confidence":0.9404297,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02372263185679913},{"word":"your","start":1192.865,"end":1193.365,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.019008386880159375},{"word":"investment","start":1193.425,"end":1193.925,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.01905326172709465},{"word":"account","start":1194.0651,"end":1194.5651,"confidence":0.9165039,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.009720305912196636},{"word":"because","start":1195.025,"end":1195.525,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.012901633977890016},{"word":"we","start":1195.585,"end":1195.905,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.020480278879404068},{"word":"have","start":1195.905,"end":1196.0651,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.004006277769804001},{"word":"a","start":1196.0651,"end":1196.145,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02939808927476406},{"word":"bit","start":1196.145,"end":1196.385,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.03111022338271141},{"word":"of","start":1196.385,"end":1196.465,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04151111841201782},{"word":"a","start":1196.465,"end":1196.625,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.016251668334007263},{"word":"pause","start":1196.625,"end":1196.9451,"confidence":0.9902344,"punctuated_word":"pause","sentiment":"neutral","sentiment_score":0.013315487653017044},{"word":"on","start":1196.9451,"end":1197.185,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.003346651792526245},{"word":"cash","start":1197.185,"end":1197.505,"confidence":0.9550781,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.0032726190984249115},{"word":"flow","start":1197.505,"end":1198.005,"confidence":0.90527344,"punctuated_word":"flow,","sentiment":"neutral","sentiment_score":0.01675337180495262},{"word":"are","start":1198.385,"end":1198.625,"confidence":0.9589844,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0004718303680419922},{"word":"you","start":1198.625,"end":1198.785,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01056136190891266},{"word":"okay","start":1198.785,"end":1199.025,"confidence":0.9902344,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.0021590180695056915},{"word":"for","start":1199.025,"end":1199.185,"confidence":0.8828125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.014524899423122406},{"word":"me","start":1199.185,"end":1199.345,"confidence":0.9970703,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.029720205813646317},{"word":"just","start":1199.345,"end":1199.585,"confidence":0.9770508,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04342058673501015},{"word":"to","start":1199.585,"end":1199.665,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01767587661743164},{"word":"kind","start":1199.665,"end":1199.905,"confidence":0.9838867,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.02383149415254593},{"word":"of","start":1199.905,"end":1200.0651,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03177644684910774},{"word":"let","start":1200.0651,"end":1200.225,"confidence":0.97998047,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.03092881292104721},{"word":"that","start":1200.225,"end":1200.705,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.045905642211437225},{"word":"sit","start":1200.705,"end":1201.205,"confidence":0.90283203,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":0.029026515781879425},{"word":"and","start":1201.265,"end":1201.505,"confidence":0.94921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.018123921006917953},{"word":"kind","start":1201.505,"end":1201.665,"confidence":0.9448242,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03657114505767822},{"word":"of","start":1201.665,"end":1201.825,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03529331088066101},{"word":"just","start":1201.825,"end":1201.985,"confidence":0.9326172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05410401150584221},{"word":"do","start":1201.985,"end":1202.145,"confidence":0.9248047,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02991572394967079},{"word":"its","start":1202.145,"end":1202.385,"confidence":0.5498047,"punctuated_word":"its","sentiment":"neutral","sentiment_score":0.038047127425670624},{"word":"thing","start":1202.385,"end":1202.625,"confidence":0.9604492,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.04628979042172432},{"word":"growing","start":1202.625,"end":1202.9451,"confidence":0.85253906,"punctuated_word":"growing?","sentiment":"neutral","sentiment_score":0.004579581320285797},{"word":"i","start":1202.9451,"end":1203.025,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.014018785208463669},{"word":"i","start":1203.025,"end":1203.105,"confidence":0.7949219,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.016477877274155617},{"word":"think","start":1203.105,"end":1203.345,"confidence":0.9941406,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0149509496986866},{"word":"it's","start":1203.345,"end":1203.505,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.020405998453497887},{"word":"just","start":1203.505,"end":1203.745,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.015760403126478195},{"word":"over","start":1203.745,"end":1203.985,"confidence":0.9980469,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.0011014938354492188},{"word":"$10","start":1203.985,"end":1204.545,"confidence":0.99560547,"punctuated_word":"$10","sentiment":"neutral","sentiment_score":0.001367386430501938},{"word":"after","start":1204.545,"end":1204.865,"confidence":0.8354492,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.0021819546818733215},{"word":"the","start":1204.865,"end":1205.025,"confidence":0.51464844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020683906972408295},{"word":"last","start":1205.025,"end":1205.265,"confidence":0.9941406,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.008754957467317581},{"word":"withdrawal","start":1205.265,"end":1205.765,"confidence":0.9379883,"punctuated_word":"withdrawal.","sentiment":"neutral","sentiment_score":-0.010226929560303688},{"word":"yep","start":1212.91,"end":1213.23,"confidence":0.7858887,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07233699411153793},{"word":"so","start":1213.23,"end":1213.55,"confidence":0.7729492,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04691403731703758},{"word":"just","start":1213.55,"end":1213.79,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04445496574044227},{"word":"because","start":1213.79,"end":1214.11,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.040768690407276154},{"word":"the","start":1214.11,"end":1214.1901,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05864793807268143},{"word":"balance","start":1214.1901,"end":1214.59,"confidence":0.99316406,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.02028952538967133},{"word":"is","start":1214.59,"end":1214.75,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.029771920293569565},{"word":"kind","start":1214.75,"end":1215.0701,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.039853375405073166},{"word":"of","start":1215.0701,"end":1215.23,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.026984255760908127},{"word":"low","start":1215.23,"end":1215.73,"confidence":0.98217773,"punctuated_word":"low,","sentiment":"neutral","sentiment_score":0.04581634700298309},{"word":"i","start":1216.03,"end":1216.27,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.029597464948892593},{"word":"haven't","start":1216.27,"end":1216.67,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.025259140878915787},{"word":"included","start":1216.67,"end":1217.15,"confidence":0.9970703,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.023892465978860855},{"word":"the","start":1217.15,"end":1217.31,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025118324905633926},{"word":"investment","start":1217.31,"end":1217.81,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.006869222968816757},{"word":"account","start":1217.87,"end":1218.27,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.0008919015526771545},{"word":"in","start":1218.27,"end":1218.43,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0046028196811676025},{"word":"any","start":1218.43,"end":1218.91,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.004549451172351837},{"word":"service","start":1218.91,"end":1219.39,"confidence":1.0,"punctuated_word":"service","sentiment":"neutral","sentiment_score":-0.0129464790225029},{"word":"agreements","start":1219.39,"end":1219.87,"confidence":0.7109375,"punctuated_word":"agreements","sentiment":"neutral","sentiment_score":0.023767869919538494},{"word":"or","start":1219.87,"end":1220.03,"confidence":0.9550781,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.018618144094944},{"word":"fees","start":1220.03,"end":1220.53,"confidence":0.7359619,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":-0.0007232017815113068},{"word":"i'd","start":1221.165,"end":1221.405,"confidence":0.9765625,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.056191928684711456},{"word":"rather","start":1221.405,"end":1221.805,"confidence":1.0,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.07143217325210571},{"word":"just","start":1221.805,"end":1222.125,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.019672363996505737},{"word":"wait","start":1222.125,"end":1222.6051,"confidence":0.99902344,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.015775352716445923},{"word":"for","start":1222.6051,"end":1222.8451,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01698518544435501},{"word":"that","start":1222.8451,"end":1223.0851,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0007888004183769226},{"word":"to","start":1223.0851,"end":1223.165,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0018608272075653076},{"word":"be","start":1223.165,"end":1223.5651,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.01437370851635933},{"word":"kind","start":1223.5651,"end":1223.805,"confidence":0.9716797,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.05892998352646828},{"word":"of","start":1223.805,"end":1223.9651,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0241645947098732},{"word":"active","start":1223.9651,"end":1224.3651,"confidence":0.99902344,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.011543475091457369},{"word":"again","start":1224.3651,"end":1224.8651,"confidence":0.98535156,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.02518933266401291},{"word":"so","start":1224.925,"end":1225.165,"confidence":0.88134766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03423938900232315},{"word":"for","start":1225.165,"end":1225.3251,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03661873936653137},{"word":"the","start":1225.3251,"end":1225.4851,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05702231079339981},{"word":"time","start":1225.4851,"end":1225.7251,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.041221294552087784},{"word":"being","start":1225.7251,"end":1226.2251,"confidence":0.98950195,"punctuated_word":"being,","sentiment":"neutral","sentiment_score":0.11610464751720428},{"word":"it's","start":1226.3651,"end":1226.685,"confidence":0.77978516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.27695176005363464},{"word":"had","start":1226.685,"end":1226.8451,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.27714669704437256},{"word":"a","start":1226.8451,"end":1227.3451,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3702491521835327},{"word":"pretty","start":1227.405,"end":1227.7251,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3997619450092316},{"word":"phenomenal","start":1227.7251,"end":1228.2251,"confidence":0.99902344,"punctuated_word":"phenomenal","sentiment":"positive","sentiment_score":0.4224216938018799},{"word":"return","start":1228.3651,"end":1228.685,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.5826072692871094},{"word":"of","start":1228.685,"end":1228.8451,"confidence":0.93774414,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.3182169497013092},{"word":"like","start":1228.8451,"end":1229.0851,"confidence":0.99658203,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.34481173753738403},{"word":"23","start":1229.0851,"end":1229.645,"confidence":0.99560547,"punctuated_word":"23","sentiment":"positive","sentiment_score":0.49090576171875},{"word":"percent","start":1229.645,"end":1230.145,"confidence":0.85009766,"punctuated_word":"percent.","sentiment":"positive","sentiment_score":0.3791349530220032},{"word":"so","start":1230.2051,"end":1230.7051,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18990099430084229},{"word":"it","start":1230.765,"end":1230.925,"confidence":0.43603516,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2645477056503296},{"word":"can","start":1230.925,"end":1231.0851,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.25909101963043213},{"word":"just","start":1231.0851,"end":1231.3251,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1984625905752182},{"word":"kind","start":1231.3251,"end":1231.5651,"confidence":0.9404297,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2069859504699707},{"word":"of","start":1231.5651,"end":1231.7251,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21626092493534088},{"word":"bounce","start":1231.7251,"end":1231.9651,"confidence":0.9951172,"punctuated_word":"bounce","sentiment":"neutral","sentiment_score":0.2654467225074768},{"word":"around","start":1231.9651,"end":1232.285,"confidence":0.9980469,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.17870861291885376},{"word":"in","start":1232.285,"end":1232.4451,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14145222306251526},{"word":"the","start":1232.4451,"end":1232.525,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1540377289056778},{"word":"background","start":1232.525,"end":1233.005,"confidence":0.9970703,"punctuated_word":"background","sentiment":"neutral","sentiment_score":0.24158434569835663},{"word":"until","start":1233.005,"end":1233.3251,"confidence":0.9970703,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.1509825438261032},{"word":"it","start":1233.3251,"end":1233.4851,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21966484189033508},{"word":"becomes","start":1233.4851,"end":1233.9851,"confidence":0.9941406,"punctuated_word":"becomes","sentiment":"neutral","sentiment_score":0.18816795945167544},{"word":"more","start":1234.045,"end":1234.3651,"confidence":0.9941406,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.13340985774993896},{"word":"active","start":1234.3651,"end":1234.8651,"confidence":0.9995117,"punctuated_word":"active.","sentiment":"neutral","sentiment_score":0.18241655826568604},{"word":"cool","start":1238.5,"end":1239.0,"confidence":0.87109375,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.15815576910972595},{"word":"i","start":1239.0599,"end":1239.2999,"confidence":0.9086914,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06396424770355225},{"word":"wouldn't","start":1239.2999,"end":1239.62,"confidence":0.9995117,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":0.0286015123128891},{"word":"really","start":1239.62,"end":1239.78,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.003287084400653839},{"word":"change","start":1239.78,"end":1240.02,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.031071648001670837},{"word":"anything","start":1240.02,"end":1240.34,"confidence":0.9741211,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.0092497356235981},{"word":"in","start":1240.34,"end":1240.5,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0006781220436096191},{"word":"terms","start":1240.5,"end":1240.74,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.012075766921043396},{"word":"of","start":1240.74,"end":1240.82,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.019929103553295135},{"word":"the","start":1240.82,"end":1240.98,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02741692215204239},{"word":"investments","start":1240.98,"end":1241.46,"confidence":0.97802734,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.028911955654621124},{"word":"in","start":1241.46,"end":1241.62,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0813550055027008},{"word":"there","start":1241.62,"end":1241.78,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.13294437527656555},{"word":"because","start":1241.78,"end":1241.94,"confidence":0.8496094,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.09578629583120346},{"word":"it's","start":1241.94,"end":1242.1799,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.17812705039978027},{"word":"doing","start":1242.1799,"end":1242.4199,"confidence":0.9667969,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.16449585556983948},{"word":"its","start":1242.4199,"end":1242.58,"confidence":0.9267578,"punctuated_word":"its","sentiment":"neutral","sentiment_score":0.18143028020858765},{"word":"thing","start":1242.58,"end":1243.08,"confidence":0.98046875,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.15207216143608093},{"word":"so","start":1243.2999,"end":1243.54,"confidence":0.9375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1306253969669342},{"word":"if","start":1243.54,"end":1243.7,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13539615273475647},{"word":"you're","start":1243.7,"end":1243.94,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.12748616933822632},{"word":"comfortable","start":1243.94,"end":1244.44,"confidence":0.99902344,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.100145623087883},{"word":"with","start":1244.5,"end":1244.74,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16744907200336456},{"word":"that","start":1244.74,"end":1245.0599,"confidence":0.99609375,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.178252175450325},{"word":"i","start":1245.0599,"end":1245.22,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16933320462703705},{"word":"can","start":1245.22,"end":1245.38,"confidence":0.99609375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11448479443788528},{"word":"kind","start":1245.38,"end":1245.62,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.13490137457847595},{"word":"of","start":1245.62,"end":1245.78,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1259947568178177},{"word":"just","start":1245.78,"end":1246.26,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12103589624166489},{"word":"put","start":1246.26,"end":1246.5,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.09577115625143053},{"word":"a","start":1246.5,"end":1246.58,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1272699534893036},{"word":"bit","start":1246.58,"end":1246.74,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11449480801820756},{"word":"of","start":1246.74,"end":1246.9,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10318098962306976},{"word":"a","start":1246.9,"end":1246.98,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09056428074836732},{"word":"hold","start":1246.98,"end":1247.22,"confidence":0.9980469,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.08910734951496124},{"word":"on","start":1247.22,"end":1247.38,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09948131442070007},{"word":"it","start":1247.38,"end":1247.78,"confidence":0.8540039,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.1479339599609375},{"word":"let","start":1247.78,"end":1247.94,"confidence":0.9589844,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.18801793456077576},{"word":"it","start":1247.94,"end":1248.1,"confidence":0.98291016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21145549416542053},{"word":"invest","start":1248.1,"end":1248.4199,"confidence":0.92285156,"punctuated_word":"invest,","sentiment":"neutral","sentiment_score":0.14790046215057373},{"word":"and","start":1248.4199,"end":1248.58,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1540760099887848},{"word":"just","start":1248.58,"end":1248.82,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1511048674583435},{"word":"put","start":1248.82,"end":1248.98,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.12146733701229095},{"word":"a","start":1248.98,"end":1249.0599,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14591637253761292},{"word":"flag","start":1249.0599,"end":1249.38,"confidence":0.9970703,"punctuated_word":"flag","sentiment":"neutral","sentiment_score":0.09598629921674728},{"word":"in","start":1249.38,"end":1249.62,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10082107037305832},{"word":"for","start":1249.62,"end":1249.78,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07816030085086823},{"word":"the","start":1249.78,"end":1249.94,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06585128605365753},{"word":"team","start":1249.94,"end":1250.44,"confidence":0.99365234,"punctuated_word":"team.","sentiment":"neutral","sentiment_score":0.06740175187587738},{"word":"amazing","start":1254.395,"end":1254.895,"confidence":0.99365234,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.4376573860645294},{"word":"actually","start":1255.9149,"end":1256.4149,"confidence":0.80908203,"punctuated_word":"Actually,","sentiment":"neutral","sentiment_score":0.16415080428123474},{"word":"last","start":1256.5549,"end":1256.875,"confidence":0.9970703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.10746297985315324},{"word":"couple","start":1256.875,"end":1257.275,"confidence":0.9980469,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.0816517174243927},{"word":"of","start":1257.275,"end":1257.355,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09213712811470032},{"word":"things","start":1257.355,"end":1257.855,"confidence":0.95654297,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.07835482060909271},{"word":"so","start":1257.9149,"end":1258.315,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.017350606620311737},{"word":"when","start":1258.315,"end":1258.475,"confidence":0.9941406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.023796938359737396},{"word":"it","start":1258.475,"end":1258.635,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.036148786544799805},{"word":"comes","start":1258.635,"end":1258.955,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.04593897610902786},{"word":"to","start":1258.955,"end":1259.195,"confidence":0.97265625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03979887813329697},{"word":"estate","start":1259.195,"end":1259.595,"confidence":0.89453125,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.05862527713179588},{"word":"planning","start":1259.595,"end":1259.835,"confidence":0.9946289,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":0.03283442184329033},{"word":"did","start":1259.835,"end":1259.995,"confidence":0.9921875,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.010225310921669006},{"word":"you","start":1259.995,"end":1260.075,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026587922126054764},{"word":"guys","start":1260.075,"end":1260.315,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.03399478271603584},{"word":"end","start":1260.315,"end":1260.475,"confidence":0.99121094,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.0481485053896904},{"word":"up","start":1260.475,"end":1260.5549,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.028508463874459267},{"word":"putting","start":1260.5549,"end":1260.7949,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.048505041748285294},{"word":"a","start":1260.7949,"end":1260.955,"confidence":0.96972656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06063904985785484},{"word":"will","start":1260.955,"end":1261.115,"confidence":0.5053711,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.11224479973316193},{"word":"in","start":1261.115,"end":1261.275,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05185263603925705},{"word":"place","start":1261.275,"end":1261.775,"confidence":0.97924805,"punctuated_word":"place?","sentiment":"neutral","sentiment_score":0.05492979288101196},{"word":"yes","start":1264.33,"end":1264.65,"confidence":0.9470215,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04327329993247986},{"word":"do","start":1264.65,"end":1264.8099,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.022491196170449257},{"word":"you","start":1264.8099,"end":1264.97,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02861051820218563},{"word":"remember","start":1264.97,"end":1265.29,"confidence":1.0,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":0.0198269747197628},{"word":"if","start":1265.29,"end":1265.45,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03422240540385246},{"word":"you","start":1265.45,"end":1265.53,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03335011750459671},{"word":"put","start":1265.53,"end":1265.77,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.030827539041638374},{"word":"in","start":1265.77,"end":1265.85,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.028185958042740825},{"word":"place","start":1265.85,"end":1266.17,"confidence":0.99902344,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.04078271239995957},{"word":"a","start":1266.17,"end":1266.33,"confidence":0.9614258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03716433793306351},{"word":"power","start":1266.33,"end":1266.65,"confidence":0.9863281,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.053803227841854095},{"word":"of","start":1266.65,"end":1266.8099,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03830805793404579},{"word":"attorney","start":1266.8099,"end":1267.21,"confidence":0.99902344,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.033284742385149},{"word":"as","start":1267.21,"end":1267.37,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.030905019491910934},{"word":"well","start":1267.37,"end":1267.69,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.028780248016119003},{"word":"for","start":1267.69,"end":1268.19,"confidence":0.7336426,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.040193092077970505},{"word":"you","start":1268.33,"end":1268.41,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027611784636974335},{"word":"know","start":1268.41,"end":1268.57,"confidence":0.9890137,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.024839326739311215},{"word":"if","start":1268.57,"end":1268.65,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01921331137418747},{"word":"you","start":1268.65,"end":1268.8099,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015572790056467056},{"word":"can't","start":1268.8099,"end":1269.05,"confidence":0.9394531,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.009637465700507164},{"word":"act","start":1269.05,"end":1269.21,"confidence":0.9970703,"punctuated_word":"act","sentiment":"neutral","sentiment_score":0.01926323398947716},{"word":"on","start":1269.21,"end":1269.37,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.010415364056825638},{"word":"your","start":1269.37,"end":1269.53,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.006400600075721741},{"word":"own","start":1269.53,"end":1269.69,"confidence":0.9760742,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.021657858043909073},{"word":"behalf","start":1269.69,"end":1270.19,"confidence":0.99658203,"punctuated_word":"behalf?","sentiment":"neutral","sentiment_score":-0.004088575020432472},{"word":"yep","start":1280.905,"end":1281.405,"confidence":0.8894043,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.030686503276228905},{"word":"yeah","start":1296.7899,"end":1297.2899,"confidence":0.82299805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1457701027393341},{"word":"that's","start":1304.005,"end":1304.245,"confidence":0.77441406,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.021197691559791565},{"word":"okay","start":1304.245,"end":1304.565,"confidence":0.9980469,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.08509549498558044},{"word":"i'll","start":1304.565,"end":1304.725,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.0009537190198898317},{"word":"put","start":1304.725,"end":1305.0449,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.07805649936199188},{"word":"unknown","start":1305.0449,"end":1305.445,"confidence":0.99609375,"punctuated_word":"unknown","sentiment":"neutral","sentiment_score":-0.04806066304445267},{"word":"for","start":1305.445,"end":1305.605,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09358024597167967},{"word":"the","start":1305.605,"end":1305.6849,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06558085232973099},{"word":"power","start":1305.6849,"end":1305.9249,"confidence":0.99609375,"punctuated_word":"power","sentiment":"neutral","sentiment_score":-0.04653467237949371},{"word":"of","start":1305.9249,"end":1306.085,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.049928538501262665},{"word":"attorney","start":1306.085,"end":1306.405,"confidence":0.83154297,"punctuated_word":"attorney,","sentiment":"neutral","sentiment_score":-0.0862543135881424},{"word":"and","start":1306.405,"end":1306.565,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.034995511174201965},{"word":"that's","start":1306.565,"end":1306.8049,"confidence":0.9916992,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.024721069261431698},{"word":"just","start":1306.8049,"end":1307.0449,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01895420253276825},{"word":"more","start":1307.0449,"end":1307.2849,"confidence":0.9892578,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.009657338261604307},{"word":"for","start":1307.2849,"end":1307.7849,"confidence":0.74035645,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.00618637353181839},{"word":"like","start":1307.9249,"end":1308.085,"confidence":0.9951172,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.026559431105852127},{"word":"if","start":1308.085,"end":1308.245,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.058785244822502136},{"word":"you're","start":1308.245,"end":1308.485,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.03432859107851982},{"word":"still","start":1308.485,"end":1308.725,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.030115246772766113},{"word":"here","start":1308.725,"end":1308.965,"confidence":0.9970703,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.02176259458065033},{"word":"and","start":1308.965,"end":1309.125,"confidence":0.83447266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04952777177095413},{"word":"you're","start":1309.125,"end":1309.2849,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0692245289683342},{"word":"in","start":1309.2849,"end":1309.445,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.014200180768966677},{"word":"the","start":1309.445,"end":1309.525,"confidence":0.96533203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05039256066083908},{"word":"hospital","start":1309.525,"end":1310.025,"confidence":0.99194336,"punctuated_word":"hospital,","sentiment":"neutral","sentiment_score":0.024912208318710327},{"word":"it","start":1310.245,"end":1310.485,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16694313287734985},{"word":"makes","start":1310.485,"end":1310.725,"confidence":0.9980469,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.14579716324806213},{"word":"it","start":1310.725,"end":1310.965,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13861465454101562},{"word":"easier","start":1310.965,"end":1311.365,"confidence":0.99609375,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.24528448283672333},{"word":"for","start":1311.365,"end":1311.605,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20104408264160156},{"word":"joe","start":1311.605,"end":1311.845,"confidence":0.82666016,"punctuated_word":"Joe","sentiment":"neutral","sentiment_score":0.09862011671066284},{"word":"to","start":1311.845,"end":1312.005,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11068948358297348},{"word":"kind","start":1312.005,"end":1312.245,"confidence":0.984375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.05869005620479584},{"word":"of","start":1312.245,"end":1312.725,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08596732467412949},{"word":"access","start":1312.725,"end":1313.125,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.05277665704488754},{"word":"a","start":1313.125,"end":1313.205,"confidence":0.73828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06403495371341705},{"word":"different","start":1313.205,"end":1313.525,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.028442196547985077},{"word":"bank","start":1313.525,"end":1313.845,"confidence":0.99902344,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.03451079875230789},{"word":"account","start":1313.845,"end":1314.245,"confidence":0.7602539,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.03483862429857254},{"word":"or","start":1314.245,"end":1314.565,"confidence":0.9482422,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05340443551540375},{"word":"talk","start":1314.565,"end":1314.8049,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.05863752216100693},{"word":"to","start":1314.8049,"end":1314.965,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08330772817134857},{"word":"the","start":1314.965,"end":1315.125,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.054764457046985626},{"word":"doctors","start":1315.125,"end":1315.525,"confidence":0.99121094,"punctuated_word":"doctors","sentiment":"neutral","sentiment_score":0.03890158236026764},{"word":"and","start":1315.525,"end":1315.6849,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11791481822729112},{"word":"things","start":1315.6849,"end":1315.9249,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1359952986240387},{"word":"like","start":1315.9249,"end":1316.085,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10865608602762222},{"word":"that","start":1316.085,"end":1316.485,"confidence":0.9838867,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.17898988723754883},{"word":"which","start":1316.485,"end":1316.725,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2259213924407959},{"word":"they're","start":1316.725,"end":1316.965,"confidence":0.9941406,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.2356833666563034},{"word":"pretty","start":1316.965,"end":1317.205,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.37490859627723694},{"word":"good","start":1317.205,"end":1317.445,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.21388192474842072},{"word":"for","start":1317.445,"end":1317.945,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1817280650138855},{"word":"with","start":1318.005,"end":1318.245,"confidence":0.95410156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19649600982666016},{"word":"spouses","start":1318.245,"end":1318.745,"confidence":0.9975586,"punctuated_word":"spouses.","sentiment":"neutral","sentiment_score":0.13280260562896729},{"word":"it's","start":1319.4,"end":1319.56,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.008840728551149368},{"word":"just","start":1319.56,"end":1319.88,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.00034034624695777893},{"word":"really","start":1319.88,"end":1320.2001,"confidence":0.96777344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.018922418355941772},{"word":"if","start":1320.28,"end":1320.52,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11081859469413756},{"word":"anything","start":1320.52,"end":1320.92,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.17334511876106262},{"word":"requires","start":1320.92,"end":1321.24,"confidence":0.99609375,"punctuated_word":"requires","sentiment":"neutral","sentiment_score":-0.15308888256549835},{"word":"you","start":1321.24,"end":1321.48,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.19139015674591064},{"word":"to","start":1321.48,"end":1321.56,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20538495481014252},{"word":"go","start":1321.56,"end":1321.7201,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.255927711725235},{"word":"to","start":1321.7201,"end":1321.8,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2544248402118683},{"word":"court","start":1321.8,"end":1322.12,"confidence":0.9951172,"punctuated_word":"court","sentiment":"neutral","sentiment_score":-0.1442558765411377},{"word":"for","start":1322.12,"end":1322.36,"confidence":0.94384766,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.25834038853645325},{"word":"probate","start":1322.36,"end":1322.86,"confidence":0.98291016,"punctuated_word":"probate,","sentiment":"neutral","sentiment_score":-0.1865045130252838},{"word":"there's","start":1322.92,"end":1323.16,"confidence":0.99609375,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.30732887983322144},{"word":"a","start":1323.16,"end":1323.24,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.24633635580539703},{"word":"delay","start":1323.24,"end":1323.74,"confidence":0.9707031,"punctuated_word":"delay.","sentiment":"neutral","sentiment_score":-0.1946372091770172},{"word":"as","start":1323.88,"end":1324.04,"confidence":0.9980469,"punctuated_word":"As","sentiment":"neutral","sentiment_score":-0.10367413610219955},{"word":"long","start":1324.04,"end":1324.28,"confidence":0.9970703,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.1060456484556198},{"word":"as","start":1324.28,"end":1324.36,"confidence":0.9941406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0838591456413269},{"word":"you","start":1324.36,"end":1324.4401,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07231995463371277},{"word":"guys","start":1324.4401,"end":1324.76,"confidence":0.98291016,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.07006453722715378},{"word":"have","start":1324.76,"end":1324.92,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.054075904190540314},{"word":"joint","start":1324.92,"end":1325.24,"confidence":0.9951172,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":-0.054389141499996185},{"word":"bank","start":1325.24,"end":1325.56,"confidence":0.99902344,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.0503479428589344},{"word":"accounts","start":1325.56,"end":1325.88,"confidence":0.98461914,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":-0.07520972192287445},{"word":"you're","start":1325.88,"end":1326.04,"confidence":0.71313477,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.07253208011388779},{"word":"not","start":1326.04,"end":1326.36,"confidence":0.9819336,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.060105204582214355},{"word":"really","start":1326.36,"end":1326.6,"confidence":0.86035156,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.07041504979133606},{"word":"cool","start":1331.3351,"end":1331.8351,"confidence":0.8676758,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.17481070756912231},{"word":"and","start":1332.2151,"end":1332.535,"confidence":0.94970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09034392982721327},{"word":"the","start":1332.535,"end":1332.6951,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09652682393789291},{"word":"last","start":1332.6951,"end":1332.8551,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.06443077325820923},{"word":"thing","start":1332.8551,"end":1333.0951,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.0947996750473976},{"word":"was","start":1333.0951,"end":1333.255,"confidence":0.86328125,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.08073358237743378},{"word":"just","start":1333.255,"end":1333.495,"confidence":0.984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09629228711128236},{"word":"with","start":1333.495,"end":1333.655,"confidence":0.9658203,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05991402640938759},{"word":"the","start":1333.655,"end":1333.9751,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11153610050678252},{"word":"superannuation","start":1333.9751,"end":1334.4751,"confidence":0.91516113,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.11479452252388},{"word":"do","start":1334.775,"end":1334.935,"confidence":0.99316406,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.05585433170199394},{"word":"you","start":1334.935,"end":1335.015,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07051613926887512},{"word":"usually","start":1335.015,"end":1335.3351,"confidence":0.98828125,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.08947418630123138},{"word":"log","start":1335.3351,"end":1335.5751,"confidence":0.9707031,"punctuated_word":"log","sentiment":"neutral","sentiment_score":0.07110156118869781},{"word":"in","start":1335.5751,"end":1335.895,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06414158642292023},{"word":"and","start":1335.895,"end":1336.135,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04963406175374985},{"word":"keep","start":1336.135,"end":1336.375,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.048439159989356995},{"word":"an","start":1336.375,"end":1336.535,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.061470359563827515},{"word":"eye","start":1336.535,"end":1336.6951,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.05677800253033638},{"word":"on","start":1336.6951,"end":1336.775,"confidence":0.99121094,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06080780178308487},{"word":"the","start":1336.775,"end":1336.8551,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07737588882446289},{"word":"hub","start":1336.8551,"end":1337.0951,"confidence":0.98535156,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.11091478168964386},{"word":"every","start":1337.0951,"end":1337.255,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.06624718010425568},{"word":"now","start":1337.255,"end":1337.415,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.05805371701717377},{"word":"and","start":1337.415,"end":1337.495,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0466969832777977},{"word":"then","start":1337.495,"end":1337.995,"confidence":0.9970703,"punctuated_word":"then?","sentiment":"neutral","sentiment_score":0.052071861922740936},{"word":"yep","start":1340.375,"end":1340.6951,"confidence":0.94262695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14089827239513397},{"word":"we've","start":1340.6951,"end":1340.935,"confidence":0.99853516,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.03329303860664368},{"word":"had","start":1340.935,"end":1341.0951,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.0004284009337425232},{"word":"a","start":1341.0951,"end":1341.175,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04594789072871208},{"word":"bit","start":1341.175,"end":1341.3351,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0924835056066513},{"word":"of","start":1341.3351,"end":1341.5751,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08447880297899246},{"word":"a","start":1341.5751,"end":1341.8151,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09599267691373824},{"word":"a","start":1341.8151,"end":1341.895,"confidence":0.8310547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14434416592121124},{"word":"rickety","start":1341.895,"end":1342.395,"confidence":0.99934894,"punctuated_word":"rickety","sentiment":"neutral","sentiment_score":-0.2215716391801834},{"word":"rickety","start":1342.535,"end":1343.035,"confidence":0.9059245,"punctuated_word":"rickety","sentiment":"neutral","sentiment_score":-0.13529589772224426},{"word":"few","start":1343.0951,"end":1343.255,"confidence":0.9941406,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.0585147812962532},{"word":"months","start":1343.255,"end":1343.5751,"confidence":0.99902344,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.030613690614700317},{"word":"recently","start":1343.5751,"end":1344.0751,"confidence":0.99853516,"punctuated_word":"recently.","sentiment":"neutral","sentiment_score":-0.00001765042543411255},{"word":"your","start":1345.2201,"end":1345.54,"confidence":0.9921875,"punctuated_word":"Your","sentiment":"positive","sentiment_score":0.3398537039756775},{"word":"contributions","start":1345.54,"end":1346.04,"confidence":0.9980469,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.2877580523490906},{"word":"have","start":1346.18,"end":1346.3401,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3381282389163971},{"word":"really","start":1346.3401,"end":1346.5801,"confidence":0.9980469,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4494718909263611},{"word":"gotten","start":1346.5801,"end":1346.9,"confidence":0.99121094,"punctuated_word":"gotten","sentiment":"positive","sentiment_score":0.47326117753982544},{"word":"your","start":1346.9,"end":1347.06,"confidence":0.99316406,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5238810777664185},{"word":"account","start":1347.06,"end":1347.56,"confidence":0.9921875,"punctuated_word":"account","sentiment":"positive","sentiment_score":0.5124363303184509},{"word":"still","start":1347.78,"end":1348.1001,"confidence":0.9741211,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.5008658766746521},{"word":"rolling","start":1348.1001,"end":1348.5,"confidence":0.99902344,"punctuated_word":"rolling","sentiment":"positive","sentiment_score":0.61196368932724},{"word":"pretty","start":1348.5,"end":1348.74,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5341621041297913},{"word":"well","start":1348.74,"end":1349.24,"confidence":0.74658203,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.30324915051460266},{"word":"so","start":1349.3,"end":1349.42,"confidence":0.85058594,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11188127100467682},{"word":"i","start":1349.42,"end":1349.54,"confidence":0.93847656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10111959278583528},{"word":"think","start":1349.54,"end":1349.7001,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.12526068091392517},{"word":"from","start":1349.7001,"end":1350.02,"confidence":0.98291016,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1612326353788376},{"word":"87,000","start":1350.02,"end":1350.9801,"confidence":0.99902344,"punctuated_word":"87,000","sentiment":"neutral","sentiment_score":0.15042302012443542},{"word":"up","start":1350.9801,"end":1351.2201,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.15040625631809235},{"word":"to","start":1351.2201,"end":1351.3,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13079415261745453},{"word":"a","start":1351.3,"end":1351.4601,"confidence":0.8535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12970533967018127},{"word":"100","start":1351.4601,"end":1351.78,"confidence":0.9921875,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.11281940340995789},{"word":"and","start":1351.78,"end":1352.02,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05227137729525566},{"word":"10","start":1352.02,"end":1352.52,"confidence":0.8876953,"punctuated_word":"10.","sentiment":"neutral","sentiment_score":0.10559644550085068},{"word":"it's","start":1353.62,"end":1353.78,"confidence":0.9501953,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.06351175904273987},{"word":"only","start":1353.78,"end":1354.02,"confidence":0.9941406,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.08093738555908203},{"word":"had","start":1354.02,"end":1354.18,"confidence":0.99121094,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.11958305537700652},{"word":"about","start":1354.18,"end":1354.42,"confidence":0.98828125,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.09576096385717392},{"word":"a","start":1354.42,"end":1354.5801,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08529465645551682},{"word":"5%","start":1354.5801,"end":1355.14,"confidence":1.0,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.007805269211530685},{"word":"return","start":1355.14,"end":1355.64,"confidence":0.9794922,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":-0.05007316544651985},{"word":"most","start":1355.86,"end":1356.36,"confidence":0.99902344,"punctuated_word":"Most","sentiment":"neutral","sentiment_score":-0.2800384759902954},{"word":"progressive","start":1356.885,"end":1357.285,"confidence":0.6948242,"punctuated_word":"progressive","sentiment":"negative","sentiment_score":-0.44155946373939514},{"word":"options","start":1357.285,"end":1357.605,"confidence":0.9980469,"punctuated_word":"options","sentiment":"negative","sentiment_score":-0.3618027865886688},{"word":"have","start":1357.605,"end":1357.765,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.3110341429710388},{"word":"been","start":1357.765,"end":1357.925,"confidence":1.0,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.36396151781082153},{"word":"pretty","start":1357.925,"end":1358.245,"confidence":1.0,"punctuated_word":"pretty","sentiment":"negative","sentiment_score":-0.400108277797699},{"word":"negative","start":1358.245,"end":1358.5651,"confidence":1.0,"punctuated_word":"negative","sentiment":"negative","sentiment_score":-0.3661046326160431},{"word":"lately","start":1358.5651,"end":1359.0651,"confidence":0.91674805,"punctuated_word":"lately.","sentiment":"negative","sentiment_score":-0.33501046895980835},{"word":"so","start":1359.285,"end":1359.4451,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.062383197247982025},{"word":"i","start":1359.4451,"end":1359.605,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07651844620704651},{"word":"just","start":1359.605,"end":1359.765,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02502058446407318},{"word":"wanted","start":1359.765,"end":1359.925,"confidence":0.9873047,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.02075520157814026},{"word":"to","start":1359.925,"end":1360.085,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01919001340866089},{"word":"kind","start":1360.085,"end":1360.245,"confidence":0.97998047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04914012551307678},{"word":"of","start":1360.245,"end":1360.3251,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07003761827945709},{"word":"flag","start":1360.3251,"end":1360.5651,"confidence":0.99121094,"punctuated_word":"flag","sentiment":"neutral","sentiment_score":0.07331158965826035},{"word":"with","start":1360.5651,"end":1360.725,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06545266509056091},{"word":"you","start":1360.725,"end":1360.885,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09307938069105148},{"word":"that","start":1360.885,"end":1361.125,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08898589015007019},{"word":"it's","start":1361.125,"end":1361.285,"confidence":0.9567871,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07877998054027557},{"word":"still","start":1361.285,"end":1361.525,"confidence":0.9790039,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0948619693517685},{"word":"in","start":1361.525,"end":1361.605,"confidence":0.9194336,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15609101951122284},{"word":"the","start":1361.605,"end":1361.765,"confidence":0.9291992,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1734311282634735},{"word":"positive","start":1361.765,"end":1362.245,"confidence":0.9970703,"punctuated_word":"positive","sentiment":"neutral","sentiment_score":0.219773069024086},{"word":"for","start":1362.245,"end":1362.405,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1087624728679657},{"word":"the","start":1362.405,"end":1362.645,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14329761266708374},{"word":"year","start":1362.645,"end":1363.125,"confidence":0.9760742,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.07860149443149567},{"word":"but","start":1363.125,"end":1363.285,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0235978364944458},{"word":"it's","start":1363.285,"end":1363.525,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1716288924217224},{"word":"kind","start":1363.525,"end":1363.765,"confidence":0.9560547,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.1746937930583954},{"word":"of","start":1363.765,"end":1363.925,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.22086653113365173},{"word":"been","start":1363.925,"end":1364.085,"confidence":0.56689453,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.20268625020980835},{"word":"a","start":1364.085,"end":1364.165,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1799919456243515},{"word":"bit","start":1364.165,"end":1364.3251,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.17678749561309814},{"word":"of","start":1364.3251,"end":1364.405,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16034775972366333},{"word":"a","start":1364.405,"end":1364.5651,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21546559035778048},{"word":"holding","start":1364.5651,"end":1364.965,"confidence":0.7294922,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":-0.2036006599664688},{"word":"pattern","start":1364.965,"end":1365.365,"confidence":0.9770508,"punctuated_word":"pattern","sentiment":"neutral","sentiment_score":-0.2873936891555786},{"word":"with","start":1365.365,"end":1365.845,"confidence":0.9350586,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.32653167843818665},{"word":"what's","start":1365.845,"end":1366.165,"confidence":0.99853516,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.21486833691596985},{"word":"going","start":1366.165,"end":1366.3251,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.14281032979488373},{"word":"on","start":1366.3251,"end":1366.5651,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1326795369386673},{"word":"with","start":1366.5651,"end":1366.725,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.181679829955101},{"word":"the","start":1366.725,"end":1366.885,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21249745786190033},{"word":"markets","start":1366.885,"end":1367.285,"confidence":0.58496094,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.1451302319765091},{"word":"at","start":1367.285,"end":1367.365,"confidence":0.9838867,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.14774945378303528},{"word":"the","start":1367.365,"end":1367.525,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17847320437431335},{"word":"moment","start":1367.525,"end":1368.025,"confidence":0.9995117,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.1232270449399948},{"word":"now","start":1371.3,"end":1371.8,"confidence":0.99609375,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.14785996079444885},{"word":"because","start":1371.86,"end":1372.18,"confidence":0.87158203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.14719438552856445},{"word":"you","start":1372.18,"end":1372.42,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25699302554130554},{"word":"guys","start":1372.42,"end":1372.66,"confidence":0.9980469,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.2796856462955475},{"word":"have","start":1372.66,"end":1372.9,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2640129625797272},{"word":"that","start":1372.9,"end":1373.14,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3114587664604187},{"word":"goal","start":1373.14,"end":1373.4601,"confidence":0.9980469,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.25836190581321716},{"word":"to","start":1373.4601,"end":1373.9601,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3215562701225281},{"word":"kind","start":1374.5801,"end":1374.8201,"confidence":0.9316406,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.34450405836105347},{"word":"of","start":1374.8201,"end":1375.3,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.37131327390670776},{"word":"have","start":1375.3,"end":1375.4601,"confidence":0.88671875,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3849274814128876},{"word":"the","start":1375.4601,"end":1375.54,"confidence":0.78466797,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4004499912261963},{"word":"financial","start":1375.54,"end":1376.02,"confidence":0.6147461,"punctuated_word":"financial","sentiment":"positive","sentiment_score":0.35324808955192566},{"word":"freedom","start":1376.02,"end":1376.42,"confidence":0.9838867,"punctuated_word":"freedom","sentiment":"positive","sentiment_score":0.3525140881538391},{"word":"to","start":1376.42,"end":1376.5801,"confidence":0.98291016,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.36258772015571594},{"word":"retire","start":1376.5801,"end":1376.8201,"confidence":0.96435547,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.29836374521255493},{"word":"as","start":1376.8201,"end":1377.06,"confidence":0.8442383,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3249829411506653},{"word":"early","start":1377.06,"end":1377.38,"confidence":0.99902344,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.31842392683029175},{"word":"as","start":1377.38,"end":1377.4601,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19475966691970825},{"word":"possible","start":1377.4601,"end":1377.9601,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.25375160574913025},{"word":"towards","start":1378.1,"end":1378.5,"confidence":0.9003906,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.298542857170105},{"word":"age","start":1378.5,"end":1378.8201,"confidence":0.78125,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.2542766332626343},{"word":"60","start":1378.8201,"end":1379.14,"confidence":0.94384766,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.3040742576122284},{"word":"that's","start":1379.14,"end":1379.4601,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.3203454613685608},{"word":"kind","start":1379.4601,"end":1379.78,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.36142653226852417},{"word":"of","start":1379.78,"end":1379.9401,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3385813236236572},{"word":"why","start":1379.9401,"end":1380.4401,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.23690463602542877},{"word":"you're","start":1380.5801,"end":1380.8201,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3627068400382995},{"word":"in","start":1380.8201,"end":1380.98,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.38208842277526855},{"word":"a","start":1380.98,"end":1381.14,"confidence":0.94384766,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4030492901802063},{"word":"high","start":1381.14,"end":1381.3,"confidence":0.99902344,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.4231277406215668},{"word":"growth","start":1381.3,"end":1381.7001,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.39074110984802246},{"word":"portfolio","start":1381.7001,"end":1382.2001,"confidence":0.82910156,"punctuated_word":"portfolio,","sentiment":"positive","sentiment_score":0.33938390016555786},{"word":"pretty","start":1382.5,"end":1382.74,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.34702444076538086},{"word":"much","start":1382.74,"end":1383.06,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.29255184531211853},{"word":"all","start":1383.06,"end":1383.14,"confidence":0.99121094,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2691684663295746},{"word":"of","start":1383.14,"end":1383.38,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.284530907869339},{"word":"this","start":1383.38,"end":1383.62,"confidence":0.36914062,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.28628411889076233},{"word":"super","start":1383.62,"end":1384.12,"confidence":0.9838867,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3479112982749939},{"word":"in","start":1384.425,"end":1384.665,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.274627149105072},{"word":"growth","start":1384.665,"end":1385.0651,"confidence":0.99121094,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.28264275193214417},{"word":"assets","start":1385.0651,"end":1385.545,"confidence":0.97753906,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.2448270618915558},{"word":"shares","start":1385.545,"end":1385.8651,"confidence":0.9458008,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.21550416946411133},{"word":"property","start":1385.8651,"end":1386.265,"confidence":0.95654297,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.1825261265039444},{"word":"and","start":1386.265,"end":1386.505,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15671506524086},{"word":"so","start":1386.505,"end":1386.665,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1397249698638916},{"word":"on","start":1386.665,"end":1387.165,"confidence":0.98217773,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.1238611489534378},{"word":"are","start":1387.545,"end":1387.785,"confidence":0.7167969,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.16566044092178345},{"word":"you","start":1387.785,"end":1387.9451,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13770003616809845},{"word":"still","start":1387.9451,"end":1388.185,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1155100092291832},{"word":"comfortable","start":1388.185,"end":1388.665,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.1714896857738495},{"word":"with","start":1388.665,"end":1388.7451,"confidence":0.9873047,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1733565479516983},{"word":"that","start":1388.7451,"end":1388.905,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2499371767044067},{"word":"idea","start":1388.905,"end":1389.2251,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.2478055953979492},{"word":"of","start":1389.2251,"end":1389.305,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18507277965545657},{"word":"just","start":1389.305,"end":1389.545,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21177497506141665},{"word":"going","start":1389.545,"end":1389.785,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.24867258965969088},{"word":"through","start":1389.785,"end":1389.9451,"confidence":0.86865234,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.3165016770362854},{"word":"as","start":1389.9451,"end":1390.1051,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2022136151790619},{"word":"much","start":1390.1051,"end":1390.265,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.24503156542778015},{"word":"as","start":1390.265,"end":1390.505,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18095038831233975},{"word":"possible","start":1390.505,"end":1390.905,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.21357259154319763},{"word":"while","start":1390.905,"end":1391.145,"confidence":0.8989258,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.16701188683509827},{"word":"you're","start":1391.145,"end":1391.305,"confidence":0.9785156,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.18390405178070068},{"word":"young","start":1391.305,"end":1391.805,"confidence":0.99316406,"punctuated_word":"young?","sentiment":"neutral","sentiment_score":0.15791407227516174},{"word":"yeah","start":1395.625,"end":1395.9451,"confidence":0.7697754,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0026498890947550535},{"word":"it's","start":1395.9451,"end":1396.1051,"confidence":0.94628906,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.03073599934577942},{"word":"just","start":1396.1051,"end":1396.265,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.030989889055490497},{"word":"gonna","start":1396.265,"end":1396.505,"confidence":0.97265625,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.035081446170806885},{"word":"be","start":1396.505,"end":1396.665,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0029654614627361298},{"word":"that","start":1396.665,"end":1396.8251,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.015119723975658417},{"word":"thing","start":1396.8251,"end":1397.0651,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.011510245501995088},{"word":"where","start":1397.0651,"end":1397.55,"confidence":0.99609375,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.02694264240562916},{"word":"we","start":1397.63,"end":1397.79,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.014315534383058548},{"word":"use","start":1397.79,"end":1397.9501,"confidence":0.9951172,"punctuated_word":"use","sentiment":"neutral","sentiment_score":-0.015089649707078934},{"word":"a","start":1397.9501,"end":1398.03,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.020713359117507935},{"word":"lot","start":1398.03,"end":1398.1901,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.011486008763313292},{"word":"of","start":1398.1901,"end":1398.27,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03396822139620781},{"word":"buzzwords","start":1398.27,"end":1398.77,"confidence":0.8581543,"punctuated_word":"buzzwords","sentiment":"neutral","sentiment_score":-0.05011467635631561},{"word":"in","start":1398.8301,"end":1398.99,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.050353094935417175},{"word":"the","start":1398.99,"end":1399.15,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.040975067764520645},{"word":"industry","start":1399.15,"end":1399.4701,"confidence":1.0,"punctuated_word":"industry","sentiment":"neutral","sentiment_score":-0.06428903341293335},{"word":"like","start":1399.4701,"end":1399.7101,"confidence":0.73046875,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.059143971651792526},{"word":"volatility","start":1399.7101,"end":1400.2101,"confidence":0.7746582,"punctuated_word":"volatility.","sentiment":"neutral","sentiment_score":-0.05645737797021866},{"word":"and","start":1400.91,"end":1401.39,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0365648977458477},{"word":"what","start":1401.39,"end":1401.55,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.02513458952307701},{"word":"that","start":1401.55,"end":1401.79,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.035663411021232605},{"word":"basically","start":1401.79,"end":1402.1901,"confidence":0.9941406,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.02263057790696621},{"word":"means","start":1402.1901,"end":1402.43,"confidence":0.9980469,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.030028898268938065},{"word":"is","start":1402.43,"end":1402.67,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01670723222196102},{"word":"when","start":1402.67,"end":1403.0701,"confidence":0.99316406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.01376163214445114},{"word":"the","start":1403.0701,"end":1403.2301,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.032641831785440445},{"word":"market's","start":1403.2301,"end":1403.63,"confidence":0.7976074,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":-0.03565499186515808},{"word":"doing","start":1403.63,"end":1403.9501,"confidence":0.9951172,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.03732442110776901},{"word":"it","start":1403.9501,"end":1404.03,"confidence":0.49902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02275364100933075},{"word":"what","start":1404.1101,"end":1404.3501,"confidence":0.94970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.04074050486087799},{"word":"it's","start":1404.3501,"end":1404.43,"confidence":0.9250488,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.04644552618265152},{"word":"currently","start":1404.43,"end":1404.91,"confidence":0.9970703,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.0828646644949913},{"word":"doing","start":1404.91,"end":1405.41,"confidence":0.9375,"punctuated_word":"doing,","sentiment":"neutral","sentiment_score":-0.023838158696889877},{"word":"higher","start":1405.79,"end":1406.1101,"confidence":0.7451172,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.017173297703266144},{"word":"highs","start":1406.1101,"end":1406.43,"confidence":0.9941406,"punctuated_word":"highs","sentiment":"neutral","sentiment_score":0.0048421043902635574},{"word":"and","start":1406.43,"end":1406.51,"confidence":0.9316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04462112858891487},{"word":"lower","start":1406.51,"end":1406.8301,"confidence":0.9941406,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":-0.09872055053710938},{"word":"lows","start":1406.8301,"end":1407.2301,"confidence":0.9941406,"punctuated_word":"lows","sentiment":"neutral","sentiment_score":-0.050288885831832886},{"word":"in","start":1407.2301,"end":1407.39,"confidence":0.9091797,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03672568127512932},{"word":"shorter","start":1407.39,"end":1407.79,"confidence":0.9863281,"punctuated_word":"shorter","sentiment":"neutral","sentiment_score":-0.05911947041749954},{"word":"periods","start":1407.79,"end":1408.1901,"confidence":0.9921875,"punctuated_word":"periods","sentiment":"neutral","sentiment_score":-0.0349930115044117},{"word":"of","start":1408.1901,"end":1408.3501,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04424353316426277},{"word":"time","start":1408.3501,"end":1408.8501,"confidence":0.9941406,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.0406881608068943},{"word":"so","start":1409.2301,"end":1409.7301,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0008422099053859711},{"word":"whereas","start":1409.9501,"end":1410.4501,"confidence":0.7480469,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":-0.03585842251777649},{"word":"you","start":1410.51,"end":1410.67,"confidence":0.9013672,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10521803051233292},{"word":"might","start":1410.67,"end":1410.99,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.10697036981582642},{"word":"have","start":1410.99,"end":1411.15,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.13612329959869385},{"word":"to","start":1411.15,"end":1411.31,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14425651729106903},{"word":"wait","start":1411.31,"end":1411.81,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.1147928461432457},{"word":"twelve","start":1411.985,"end":1412.305,"confidence":0.9770508,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.18778827786445615},{"word":"months","start":1412.305,"end":1412.4651,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.13025349378585815},{"word":"to","start":1412.4651,"end":1412.625,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13352862000465393},{"word":"get","start":1412.625,"end":1412.865,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.12401405721902849},{"word":"up","start":1412.865,"end":1413.025,"confidence":0.98828125,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.11674825102090836},{"word":"$20","start":1413.025,"end":1413.845,"confidence":0.96276855,"punctuated_word":"$20,","sentiment":"neutral","sentiment_score":-0.09841407835483552},{"word":"that","start":1414.145,"end":1414.385,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10984401404857635},{"word":"may","start":1414.385,"end":1414.545,"confidence":0.98535156,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.10454833507537842},{"word":"be","start":1414.545,"end":1414.7051,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1287451684474945},{"word":"going","start":1414.7051,"end":1414.9451,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.15126822888851166},{"word":"up","start":1414.9451,"end":1415.025,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.12413591891527176},{"word":"and","start":1415.025,"end":1415.185,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1324489265680313},{"word":"down","start":1415.185,"end":1415.505,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.12512420117855072},{"word":"10","start":1415.505,"end":1415.745,"confidence":0.9667969,"punctuated_word":"10","sentiment":"neutral","sentiment_score":-0.12912990152835846},{"word":"or","start":1415.745,"end":1415.8251,"confidence":0.4165039,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1124352514743805},{"word":"$20","start":1415.8251,"end":1416.4651,"confidence":0.9951172,"punctuated_word":"$20","sentiment":"neutral","sentiment_score":-0.1357840746641159},{"word":"in","start":1416.4651,"end":1416.545,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13532346487045288},{"word":"a","start":1416.545,"end":1416.625,"confidence":0.5683594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10164102166891098},{"word":"period","start":1416.625,"end":1416.825,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.10515925288200378},{"word":"of","start":1416.825,"end":1417.025,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11275052279233932},{"word":"three","start":1417.025,"end":1417.265,"confidence":0.9980469,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.10071171820163728},{"word":"months","start":1417.265,"end":1417.665,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.07602958381175995},{"word":"now","start":1417.665,"end":1418.165,"confidence":0.9970703,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.10310769081115724},{"word":"yeah","start":1421.185,"end":1421.5851,"confidence":0.7885742,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014259856194257736},{"word":"so","start":1421.5851,"end":1422.0851,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.018766097724437714},{"word":"it","start":1422.305,"end":1422.4651,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.008714191615581512},{"word":"averages","start":1422.4651,"end":1422.9651,"confidence":0.9970703,"punctuated_word":"averages","sentiment":"neutral","sentiment_score":-0.0229804627597332},{"word":"out","start":1423.105,"end":1423.425,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.003914624452590942},{"word":"over","start":1423.425,"end":1423.925,"confidence":0.7763672,"punctuated_word":"over,","sentiment":"neutral","sentiment_score":0.012660585343837738},{"word":"like","start":1424.07,"end":1424.3099,"confidence":0.99194336,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.006904836744070053},{"word":"a","start":1424.3099,"end":1424.3899,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03113415464758873},{"word":"long","start":1424.3899,"end":1424.47,"confidence":0.9589844,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.014708131551742554},{"word":"period","start":1424.47,"end":1424.95,"confidence":0.8947754,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":0.01910334080457687},{"word":"like","start":1424.95,"end":1425.11,"confidence":0.9628906,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.016717158257961273},{"word":"it","start":1425.11,"end":1425.19,"confidence":0.96435547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.019945725798606873},{"word":"averages","start":1425.19,"end":1425.59,"confidence":0.9892578,"punctuated_word":"averages","sentiment":"neutral","sentiment_score":0.023449543863534927},{"word":"out","start":1425.59,"end":1425.83,"confidence":0.9863281,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.03616368770599365},{"word":"over","start":1425.83,"end":1425.99,"confidence":0.99121094,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.05256889387965202},{"word":"the","start":1425.99,"end":1426.1499,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019032754004001617},{"word":"decade","start":1426.1499,"end":1426.63,"confidence":0.9902344,"punctuated_word":"decade","sentiment":"neutral","sentiment_score":0.04436851292848587},{"word":"once","start":1426.63,"end":1426.87,"confidence":0.875,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.04710278660058975},{"word":"you","start":1426.87,"end":1427.0299,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007004678249359131},{"word":"go","start":1427.0299,"end":1427.2699,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.00650835782289505},{"word":"through","start":1427.2699,"end":1427.4299,"confidence":0.98095703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.01293203979730606},{"word":"a","start":1427.4299,"end":1427.5099,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.013509076088666916},{"word":"normal","start":1427.5099,"end":1427.9099,"confidence":1.0,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":-0.010285809636116028},{"word":"market","start":1427.9099,"end":1428.23,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.04739658534526825},{"word":"cycle","start":1428.23,"end":1428.5499,"confidence":0.892334,"punctuated_word":"cycle.","sentiment":"neutral","sentiment_score":-0.02757204696536064},{"word":"like","start":1428.5499,"end":1428.7899,"confidence":0.97314453,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.021421950310468674},{"word":"this","start":1428.7899,"end":1428.95,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.021379463374614716},{"word":"thing","start":1428.95,"end":1429.19,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.04656431078910827},{"word":"happens","start":1429.19,"end":1429.69,"confidence":1.0,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.032698854804039},{"word":"every","start":1430.1499,"end":1430.3899,"confidence":0.9970703,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.03615695983171463},{"word":"time","start":1430.3899,"end":1430.63,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.04803996533155441},{"word":"there's","start":1430.63,"end":1430.95,"confidence":0.9946289,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.07927300035953522},{"word":"a","start":1430.95,"end":1431.0299,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0916321501135826},{"word":"financial","start":1431.0299,"end":1431.5099,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.1524142175912857},{"word":"crisis","start":1431.5099,"end":1432.0099,"confidence":0.79418945,"punctuated_word":"crisis,","sentiment":"neutral","sentiment_score":-0.12113665044307707},{"word":"a","start":1432.07,"end":1432.1499,"confidence":0.9140625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14019644260406494},{"word":"covid","start":1432.1499,"end":1432.63,"confidence":0.98291016,"punctuated_word":"COVID,","sentiment":"neutral","sentiment_score":-0.12036319077014924},{"word":"a","start":1432.63,"end":1432.7899,"confidence":0.9482422,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0801079124212265},{"word":"war","start":1432.7899,"end":1433.2899,"confidence":0.7687988,"punctuated_word":"war.","sentiment":"neutral","sentiment_score":-0.08748286217451096},{"word":"but","start":1433.6699,"end":1433.99,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.014028564095497131},{"word":"i","start":1433.99,"end":1434.1499,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.026417911052703857},{"word":"just","start":1434.1499,"end":1434.3099,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02310827374458313},{"word":"wanna","start":1434.3099,"end":1434.5499,"confidence":0.7241211,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0019318610429763792},{"word":"double","start":1434.5499,"end":1434.87,"confidence":0.99902344,"punctuated_word":"double","sentiment":"neutral","sentiment_score":-0.05120360851287842},{"word":"check","start":1434.87,"end":1435.0299,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.03593610227108002},{"word":"that","start":1435.0299,"end":1435.19,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04643942415714264},{"word":"you're","start":1435.19,"end":1435.4299,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05498011037707329},{"word":"okay","start":1435.4299,"end":1435.75,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.07045744359493256},{"word":"with","start":1435.75,"end":1435.99,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03383614122867584},{"word":"that","start":1435.99,"end":1436.1499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0016262829303741455},{"word":"kind","start":1436.1499,"end":1436.3099,"confidence":0.9790039,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.008398711681365967},{"word":"of","start":1436.3099,"end":1436.47,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03588990867137909},{"word":"roller","start":1436.47,"end":1436.7899,"confidence":0.9970703,"punctuated_word":"roller","sentiment":"neutral","sentiment_score":0.071388840675354},{"word":"coaster","start":1436.7899,"end":1437.2699,"confidence":0.73583984,"punctuated_word":"coaster","sentiment":"neutral","sentiment_score":0.14499200880527496},{"word":"ride","start":1437.2699,"end":1437.765,"confidence":0.99902344,"punctuated_word":"ride","sentiment":"neutral","sentiment_score":0.12448643147945404},{"word":"until","start":1437.925,"end":1438.245,"confidence":0.99902344,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.002761155366897583},{"word":"you're","start":1438.245,"end":1438.745,"confidence":0.9790039,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.002529735444113612},{"word":"closer","start":1438.805,"end":1439.285,"confidence":0.9921875,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":-0.06589430570602417},{"word":"to","start":1439.285,"end":1439.4451,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021802321076393127},{"word":"retirement","start":1439.4451,"end":1439.9451,"confidence":0.99560547,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":-0.01368451863527298},{"word":"yep","start":1450.18,"end":1450.68,"confidence":0.8190918,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08036515861749649},{"word":"so","start":1451.14,"end":1451.3,"confidence":0.6845703,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.11146993190050124},{"word":"basically","start":1451.3,"end":1451.7001,"confidence":1.0,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.09898339956998824},{"word":"grow","start":1451.7001,"end":1451.86,"confidence":0.80322266,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.22143390774726868},{"word":"it","start":1451.86,"end":1451.9401,"confidence":0.8442383,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16556452214717865},{"word":"as","start":1451.9401,"end":1452.18,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1833498477935791},{"word":"much","start":1452.18,"end":1452.3401,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.23748978972435},{"word":"as","start":1452.3401,"end":1452.42,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16564682126045227},{"word":"we","start":1452.42,"end":1452.5801,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2512218952178955},{"word":"can","start":1452.5801,"end":1452.9,"confidence":0.9807129,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.1723725199699402},{"word":"once","start":1452.9,"end":1453.22,"confidence":1.0,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.14994288980960846},{"word":"you","start":1453.22,"end":1453.3,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17470751702785492},{"word":"do","start":1453.3,"end":1453.4601,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1464802473783493},{"word":"have","start":1453.4601,"end":1453.7001,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16390873491764069},{"word":"the","start":1453.7001,"end":1453.86,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14836385846138},{"word":"million","start":1453.86,"end":1454.18,"confidence":0.99121094,"punctuated_word":"million","sentiment":"neutral","sentiment_score":0.146357461810112},{"word":"dollars","start":1454.18,"end":1454.42,"confidence":0.9980469,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.1300901025533676},{"word":"or","start":1454.42,"end":1454.5801,"confidence":0.98828125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.15685440599918363},{"word":"whatever","start":1454.5801,"end":1454.9,"confidence":1.0,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.1096598654985428},{"word":"the","start":1454.9,"end":1455.06,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13532528281211853},{"word":"figure","start":1455.06,"end":1455.3,"confidence":0.99902344,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":0.11380910873413086},{"word":"is","start":1455.3,"end":1455.78,"confidence":0.9995117,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.11760144680738448},{"word":"we","start":1455.78,"end":1455.9401,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17285335063934326},{"word":"can","start":1455.9401,"end":1456.1,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15195290744304657},{"word":"then","start":1456.1,"end":1456.3401,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16367532312870026},{"word":"protect","start":1456.3401,"end":1456.74,"confidence":1.0,"punctuated_word":"protect","sentiment":"neutral","sentiment_score":0.12994617223739624},{"word":"it","start":1456.74,"end":1456.98,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14416630566120148},{"word":"in","start":1456.98,"end":1457.22,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11223898828029633},{"word":"those","start":1457.22,"end":1457.4601,"confidence":0.9873047,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.12154608964920044},{"word":"last","start":1457.4601,"end":1457.7001,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.07799032330513},{"word":"ten","start":1457.7001,"end":1457.86,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.1230318769812584},{"word":"years","start":1457.86,"end":1458.18,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.12187644839286804},{"word":"and","start":1458.18,"end":1458.42,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09579139947891235},{"word":"and","start":1458.42,"end":1458.66,"confidence":0.96533203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12538351118564606},{"word":"gradually","start":1458.66,"end":1459.14,"confidence":1.0,"punctuated_word":"gradually","sentiment":"neutral","sentiment_score":0.2325875014066696},{"word":"reduce","start":1459.14,"end":1459.54,"confidence":0.99902344,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.09700876474380492},{"word":"the","start":1459.54,"end":1459.7001,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09992650151252748},{"word":"risk","start":1459.7001,"end":1460.2001,"confidence":0.9863281,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":0.07500697672367096},{"word":"one","start":1461.38,"end":1461.62,"confidence":0.88134766,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.18084414303302765},{"word":"thing","start":1461.62,"end":1461.86,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.17430734634399414},{"word":"i","start":1461.86,"end":1462.02,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15496070683002472},{"word":"will","start":1462.02,"end":1462.26,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.20801275968551636},{"word":"do","start":1462.26,"end":1462.5,"confidence":0.7553711,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.1747034192085266},{"word":"though","start":1462.5,"end":1462.74,"confidence":0.9995117,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":0.10443423688411713},{"word":"is","start":1462.74,"end":1463.24,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11030423641204834},{"word":"i'm","start":1463.3,"end":1463.4601,"confidence":0.9724121,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1331889182329178},{"word":"having","start":1463.4601,"end":1463.78,"confidence":0.9970703,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.12059367448091508},{"word":"a","start":1463.78,"end":1463.86,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11952757835388184},{"word":"look","start":1463.86,"end":1464.02,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0819740891456604},{"word":"at","start":1464.02,"end":1464.18,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10844767838716508},{"word":"the","start":1464.18,"end":1464.26,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1291225105524063},{"word":"investment","start":1464.26,"end":1464.76,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.10894468426704408},{"word":"options","start":1464.8201,"end":1465.3201,"confidence":0.87158203,"punctuated_word":"options,","sentiment":"neutral","sentiment_score":0.08311650902032852},{"word":"and","start":1465.815,"end":1466.315,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08994029462337494},{"word":"that's","start":1466.455,"end":1466.7749,"confidence":0.98999023,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08573028445243835},{"word":"on","start":1466.7749,"end":1466.9349,"confidence":0.74853516,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06811994314193726},{"word":"one","start":1466.9349,"end":1467.095,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.09843005239963531},{"word":"of","start":1467.095,"end":1467.1749,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07488763332366943},{"word":"the","start":1467.1749,"end":1467.4149,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08748108148574829},{"word":"reports","start":1467.4149,"end":1467.9149,"confidence":0.99902344,"punctuated_word":"reports","sentiment":"neutral","sentiment_score":0.10154378414154051},{"word":"in","start":1467.975,"end":1468.215,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08184119313955307},{"word":"that","start":1468.215,"end":1468.375,"confidence":0.8095703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1040395200252533},{"word":"email","start":1468.375,"end":1468.695,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.113776832818985},{"word":"pack","start":1468.695,"end":1468.9349,"confidence":0.91015625,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.06420232355594635},{"word":"i","start":1468.9349,"end":1469.0149,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11678224802017212},{"word":"sent","start":1469.0149,"end":1469.255,"confidence":0.9838867,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.08729584515094757},{"word":"you","start":1469.255,"end":1469.755,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.0779697522521019},{"word":"we've","start":1471.095,"end":1471.495,"confidence":0.9946289,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.23925086855888367},{"word":"got","start":1471.495,"end":1471.995,"confidence":0.9951172,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.24454708397388455},{"word":"there's","start":1472.375,"end":1472.695,"confidence":0.9921875,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.20593804121017456},{"word":"about","start":1472.695,"end":1472.9349,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1437295824289322},{"word":"eight","start":1472.9349,"end":1473.095,"confidence":0.99902344,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.14561887085437775},{"word":"or","start":1473.095,"end":1473.255,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11113191395998},{"word":"nine","start":1473.255,"end":1473.495,"confidence":1.0,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.14622803032398224},{"word":"options","start":1473.495,"end":1473.8949,"confidence":0.9980469,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.1105659008026123},{"word":"there","start":1473.8949,"end":1474.2949,"confidence":0.8808594,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.20062370598316193},{"word":"most","start":1474.2949,"end":1474.5349,"confidence":0.9873047,"punctuated_word":"Most","sentiment":"positive","sentiment_score":0.5621653199195862},{"word":"of","start":1474.5349,"end":1474.695,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4967989325523377},{"word":"them","start":1474.695,"end":1474.855,"confidence":1.0,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.510823130607605},{"word":"have","start":1474.855,"end":1475.0149,"confidence":0.9970703,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5775582194328308},{"word":"done","start":1475.0149,"end":1475.255,"confidence":0.9980469,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.6162333488464355},{"word":"pretty","start":1475.255,"end":1475.575,"confidence":0.99609375,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6453389525413513},{"word":"fantastic","start":1475.575,"end":1476.075,"confidence":0.7458496,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.579310417175293},{"word":"like","start":1476.215,"end":1476.375,"confidence":0.8937988,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.31375473737716675},{"word":"you're","start":1476.375,"end":1476.615,"confidence":0.9086914,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3106857240200043},{"word":"in","start":1476.615,"end":1477.115,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.26934629678726196},{"word":"battery","start":1477.4149,"end":1477.815,"confidence":0.97998047,"punctuated_word":"battery","sentiment":"neutral","sentiment_score":0.2566704750061035},{"word":"tech","start":1477.815,"end":1477.975,"confidence":0.7426758,"punctuated_word":"tech","sentiment":"neutral","sentiment_score":0.15928314626216888},{"word":"and","start":1477.975,"end":1478.135,"confidence":0.94921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19916582107543945},{"word":"lithium","start":1478.135,"end":1478.5349,"confidence":0.96972656,"punctuated_word":"lithium,","sentiment":"neutral","sentiment_score":0.22521626949310303},{"word":"which","start":1478.5349,"end":1478.695,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1836579442024231},{"word":"is","start":1478.695,"end":1478.855,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16535842418670654},{"word":"electric","start":1478.855,"end":1479.255,"confidence":0.99609375,"punctuated_word":"electric","sentiment":"neutral","sentiment_score":0.25667518377304077},{"word":"vehicles","start":1479.255,"end":1479.6549,"confidence":0.8288574,"punctuated_word":"vehicles,","sentiment":"neutral","sentiment_score":0.16555997729301453},{"word":"and","start":1479.6549,"end":1479.815,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14785438776016235},{"word":"that's","start":1479.815,"end":1480.0549,"confidence":0.7590332,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.14431516826152802},{"word":"about","start":1480.0549,"end":1480.29,"confidence":0.69433594,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.16230453550815582},{"word":"a","start":1480.37,"end":1480.4501,"confidence":0.9526367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16599589586257937},{"word":"114%","start":1480.4501,"end":1481.9701,"confidence":0.97283936,"punctuated_word":"114%,","sentiment":"neutral","sentiment_score":0.11715741455554962},{"word":"something","start":1481.9701,"end":1482.37,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.12463659048080444},{"word":"ridiculous","start":1482.37,"end":1482.87,"confidence":1.0,"punctuated_word":"ridiculous","sentiment":"neutral","sentiment_score":-0.004083879292011261},{"word":"like","start":1483.01,"end":1483.25,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.15049156546592712},{"word":"that","start":1483.25,"end":1483.75,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1852976232767105},{"word":"most","start":1486.53,"end":1486.77,"confidence":0.70214844,"punctuated_word":"Most","sentiment":"positive","sentiment_score":0.5434144735336304},{"word":"of","start":1486.77,"end":1486.8501,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4305262863636017},{"word":"the","start":1486.8501,"end":1487.01,"confidence":0.9951172,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4522638320922851},{"word":"shares","start":1487.01,"end":1487.3301,"confidence":0.9980469,"punctuated_word":"shares","sentiment":"positive","sentiment_score":0.4501511752605438},{"word":"are","start":1487.3301,"end":1487.49,"confidence":0.99609375,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4878726601600647},{"word":"pretty","start":1487.49,"end":1487.73,"confidence":0.66259766,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5245414972305298},{"word":"good","start":1487.73,"end":1487.9701,"confidence":0.9980469,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4603709280490875},{"word":"one","start":1487.9701,"end":1488.2101,"confidence":0.9951172,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.0819789320230484},{"word":"of","start":1488.2101,"end":1488.29,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05407680571079254},{"word":"them","start":1488.29,"end":1488.4501,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.055613741278648376},{"word":"in","start":1488.4501,"end":1488.6901,"confidence":0.87060547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.002001449465751648},{"word":"particular","start":1488.6901,"end":1489.1901,"confidence":0.82543945,"punctuated_word":"particular,","sentiment":"neutral","sentiment_score":0.0063193924725055695},{"word":"though","start":1489.25,"end":1489.75,"confidence":0.97802734,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":-0.04684436321258545},{"word":"i'm","start":1489.9701,"end":1490.13,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0779503583908081},{"word":"concerned","start":1490.13,"end":1490.61,"confidence":0.9980469,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":-0.12627001106739044},{"word":"about","start":1490.61,"end":1490.93,"confidence":0.9863281,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.09678664803504944},{"word":"is","start":1490.93,"end":1491.0901,"confidence":0.98535156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.12469910085201263},{"word":"your","start":1491.0901,"end":1491.49,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.10977523028850555},{"word":"australian","start":1491.49,"end":1491.99,"confidence":0.9980469,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.15947005152702332},{"word":"shares","start":1492.05,"end":1492.29,"confidence":0.9506836,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.20196372270584104},{"word":"in","start":1492.29,"end":1492.4501,"confidence":0.9428711,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1127861514687538},{"word":"venmo","start":1492.4501,"end":1492.9501,"confidence":0.6720378,"punctuated_word":"Venmo.","sentiment":"neutral","sentiment_score":-0.08835375308990479},{"word":"that","start":1493.665,"end":1494.165,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.15005216002464294},{"word":"dropped","start":1494.465,"end":1494.9451,"confidence":0.8017578,"punctuated_word":"dropped","sentiment":"negative","sentiment_score":-0.5307973027229309},{"word":"significantly","start":1494.9451,"end":1495.4451,"confidence":1.0,"punctuated_word":"significantly","sentiment":"negative","sentiment_score":-0.5154838562011719},{"word":"compared","start":1495.905,"end":1496.405,"confidence":0.99902344,"punctuated_word":"compared","sentiment":"negative","sentiment_score":-0.4956244230270386},{"word":"to","start":1497.185,"end":1497.425,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4656197428703308},{"word":"the","start":1497.425,"end":1497.585,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4236431121826172},{"word":"australian","start":1497.585,"end":1498.085,"confidence":0.99902344,"punctuated_word":"Australian","sentiment":"negative","sentiment_score":-0.3438927233219147},{"word":"share","start":1498.225,"end":1498.545,"confidence":0.9970703,"punctuated_word":"share","sentiment":"negative","sentiment_score":-0.37210190296173096},{"word":"market","start":1498.545,"end":1499.025,"confidence":0.9970703,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.17807424068450928},{"word":"and","start":1499.025,"end":1499.265,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2626042366027832},{"word":"other","start":1499.265,"end":1499.745,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.23590844869613647},{"word":"australian","start":1499.745,"end":1500.245,"confidence":0.9980469,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.15209409594535828},{"word":"share","start":1500.305,"end":1500.625,"confidence":0.9980469,"punctuated_word":"share","sentiment":"neutral","sentiment_score":-0.20827870070934296},{"word":"option","start":1500.625,"end":1501.125,"confidence":0.78515625,"punctuated_word":"option.","sentiment":"negative","sentiment_score":-0.3369070291519165},{"word":"so","start":1501.665,"end":1502.165,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.19972093403339383},{"word":"just","start":1502.225,"end":1502.465,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07606643438339233},{"word":"for","start":1502.465,"end":1502.705,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.13714197278022766},{"word":"a","start":1502.705,"end":1502.785,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07387735694646835},{"word":"bit","start":1502.785,"end":1503.025,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05948834121227264},{"word":"of","start":1503.025,"end":1503.105,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06731585413217545},{"word":"an","start":1503.105,"end":1503.345,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.042596809566020966},{"word":"engine","start":1503.345,"end":1503.745,"confidence":1.0,"punctuated_word":"engine","sentiment":"neutral","sentiment_score":-0.02854522317647934},{"word":"tune","start":1503.745,"end":1503.985,"confidence":0.9838867,"punctuated_word":"tune","sentiment":"neutral","sentiment_score":0.0000675097107887268},{"word":"up","start":1503.985,"end":1504.225,"confidence":0.986084,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.06007422134280205},{"word":"i","start":1504.225,"end":1504.385,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0871475338935852},{"word":"kind","start":1504.385,"end":1504.625,"confidence":0.58251953,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.08293718844652176},{"word":"of","start":1504.625,"end":1504.785,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04645717144012451},{"word":"wanna","start":1504.785,"end":1505.025,"confidence":0.69873047,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.0238359197974205},{"word":"get","start":1505.025,"end":1505.185,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.09047770500183104},{"word":"a","start":1505.185,"end":1505.265,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03162551298737526},{"word":"bit","start":1505.265,"end":1505.425,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.03698825091123581},{"word":"of","start":1505.425,"end":1505.505,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01922355592250824},{"word":"a","start":1505.505,"end":1505.665,"confidence":0.9770508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04095437005162239},{"word":"replacement","start":1505.665,"end":1506.165,"confidence":0.99902344,"punctuated_word":"replacement","sentiment":"neutral","sentiment_score":-0.14782482385635376},{"word":"option","start":1506.225,"end":1506.545,"confidence":0.9770508,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.03672108054161072},{"word":"for","start":1506.545,"end":1506.705,"confidence":0.9135742,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04309643805027008},{"word":"that","start":1506.705,"end":1506.9451,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05765864998102188},{"word":"one","start":1506.9451,"end":1507.29,"confidence":0.9941406,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.04741582274436951},{"word":"and","start":1509.93,"end":1510.25,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07807770371437073},{"word":"i","start":1510.25,"end":1510.41,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11333577334880827},{"word":"think","start":1510.41,"end":1510.65,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1145024299621582},{"word":"if","start":1510.65,"end":1510.81,"confidence":0.98828125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11412504315376282},{"word":"we're","start":1510.81,"end":1510.9701,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.10275398194789886},{"word":"gonna","start":1510.9701,"end":1511.2101,"confidence":0.9658203,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.14018842577934265},{"word":"do","start":1511.2101,"end":1511.4501,"confidence":0.9128418,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.08784523606300354},{"word":"like","start":1511.4501,"end":1511.77,"confidence":0.9946289,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10108532011508942},{"word":"the","start":1511.77,"end":1511.8501,"confidence":0.6479492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10646002739667892},{"word":"income","start":1511.8501,"end":1512.17,"confidence":0.9892578,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.09269491583108902},{"word":"protection","start":1512.17,"end":1512.67,"confidence":0.9970703,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.08510042726993561},{"word":"i'll","start":1513.13,"end":1513.4501,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12442930787801744},{"word":"send","start":1513.4501,"end":1513.6901,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1385752111673355},{"word":"you","start":1513.6901,"end":1513.8501,"confidence":0.9345703,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.10813920199871065},{"word":"like","start":1513.8501,"end":1514.0901,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1428225338459015},{"word":"an","start":1514.0901,"end":1514.25,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.12743212282657623},{"word":"updated","start":1514.25,"end":1514.73,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.1249205321073532},{"word":"statement","start":1514.73,"end":1515.13,"confidence":1.0,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.12478601187467576},{"word":"of","start":1515.13,"end":1515.29,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0960051566362381},{"word":"advice","start":1515.29,"end":1515.79,"confidence":0.99121094,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.08896786719560623},{"word":"with","start":1515.93,"end":1516.17,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14019913971424103},{"word":"the","start":1516.17,"end":1516.49,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1337253451347351},{"word":"insurance","start":1516.49,"end":1516.99,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.07874421775341034},{"word":"recommendation","start":1517.53,"end":1518.03,"confidence":0.9980469,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.08921743184328079},{"word":"in","start":1518.25,"end":1518.41,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11320051550865172},{"word":"there","start":1518.41,"end":1518.89,"confidence":0.79833984,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.11122812330722807},{"word":"and","start":1518.89,"end":1519.13,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0806506797671318},{"word":"then","start":1519.13,"end":1519.29,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07737164944410324},{"word":"i","start":1519.29,"end":1519.37,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06819162517786026},{"word":"would","start":1519.37,"end":1519.53,"confidence":0.48706055,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08310481905937195},{"word":"just","start":1519.53,"end":1519.77,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07457996904850006},{"word":"like","start":1519.77,"end":1519.93,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0947439894080162},{"word":"to","start":1519.93,"end":1520.43,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1045183092355728},{"word":"replace","start":1520.49,"end":1520.9701,"confidence":1.0,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":0.09528416395187378},{"word":"that","start":1520.9701,"end":1521.4501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08093204349279404},{"word":"one","start":1521.4501,"end":1521.6901,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07214059680700302},{"word":"option","start":1521.6901,"end":1522.01,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.05248238146305084},{"word":"in","start":1522.01,"end":1522.17,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1442476063966751},{"word":"the","start":1522.17,"end":1522.3301,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1484040766954422},{"word":"super","start":1522.3301,"end":1522.8301,"confidence":0.77441406,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.09764208644628523},{"word":"and","start":1522.965,"end":1523.205,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08610007911920547},{"word":"maybe","start":1523.205,"end":1523.445,"confidence":0.9970703,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.09995885193347932},{"word":"mix","start":1523.445,"end":1523.6849,"confidence":0.97314453,"punctuated_word":"mix","sentiment":"neutral","sentiment_score":0.10905209183692932},{"word":"in","start":1523.6849,"end":1523.9249,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11841506510972977},{"word":"a","start":1523.9249,"end":1524.005,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1364789605140686},{"word":"bit","start":1524.005,"end":1524.1649,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12386231124401093},{"word":"of","start":1524.1649,"end":1524.325,"confidence":0.9350586,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.108522430062294},{"word":"like","start":1524.325,"end":1524.645,"confidence":0.99658203,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11206381022930144},{"word":"gold","start":1524.645,"end":1524.965,"confidence":0.87841797,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.09362778067588806},{"word":"in","start":1524.965,"end":1525.205,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10033618658781052},{"word":"there","start":1525.205,"end":1525.705,"confidence":0.8503418,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.11259640753269196},{"word":"bit","start":1525.9249,"end":1526.085,"confidence":0.78515625,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10534433275461196},{"word":"of","start":1526.085,"end":1526.325,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10379651933908464},{"word":"alternative","start":1526.325,"end":1526.825,"confidence":0.53515625,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":0.052986253052949905},{"word":"just","start":1526.885,"end":1527.0449,"confidence":0.92822266,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07950332015752792},{"word":"to","start":1527.0449,"end":1527.205,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08928339183330536},{"word":"diversify","start":1527.205,"end":1527.705,"confidence":0.99902344,"punctuated_word":"diversify","sentiment":"neutral","sentiment_score":0.09781530499458312},{"word":"you","start":1527.845,"end":1527.9249,"confidence":0.9658203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09766945242881776},{"word":"a","start":1527.9249,"end":1528.005,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14272640645503998},{"word":"little","start":1528.005,"end":1528.1649,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.14261457324028015},{"word":"bit","start":1528.1649,"end":1528.325,"confidence":0.9980469,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.12173338234424592},{"word":"is","start":1528.325,"end":1528.4049,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.0989234372973442},{"word":"that","start":1528.4049,"end":1528.565,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13494861125946045},{"word":"okay","start":1528.565,"end":1529.065,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.10248897969722748},{"word":"perfect","start":1533.125,"end":1533.625,"confidence":0.99121094,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2285691797733307},{"word":"hey","start":1536.9299,"end":1537.1699,"confidence":0.7607422,"punctuated_word":"Hey.","sentiment":"neutral","sentiment_score":0.05782046541571617},{"word":"look","start":1537.1699,"end":1537.4099,"confidence":0.85595703,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.05351856350898743},{"word":"it's","start":1537.4099,"end":1537.6499,"confidence":0.9970703,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.035680919885635376},{"word":"a","start":1537.6499,"end":1537.8099,"confidence":0.8491211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05125308036804199},{"word":"it's","start":1537.8099,"end":1537.97,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.025314152240753177},{"word":"a","start":1537.97,"end":1538.1299,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05227998271584511},{"word":"gradual","start":1538.1299,"end":1538.45,"confidence":0.9941406,"punctuated_word":"gradual","sentiment":"neutral","sentiment_score":0.0691891461610794},{"word":"thing","start":1538.45,"end":1538.61,"confidence":0.99072266,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.05112940073013306},{"word":"i","start":1538.61,"end":1538.7699,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00436696782708168},{"word":"wouldn't","start":1538.7699,"end":1539.0099,"confidence":0.9995117,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.028470661491155624},{"word":"expect","start":1539.0099,"end":1539.33,"confidence":1.0,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.02842572331428528},{"word":"anyone","start":1539.33,"end":1539.8099,"confidence":0.9970703,"punctuated_word":"anyone","sentiment":"neutral","sentiment_score":-0.029608316719532013},{"word":"after","start":1539.8099,"end":1540.2899,"confidence":0.79907227,"punctuated_word":"after,","sentiment":"neutral","sentiment_score":-0.017214935272932053},{"word":"you","start":1540.2899,"end":1540.45,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011446628719568253},{"word":"know","start":1540.45,"end":1540.69,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0036276541650295258},{"word":"one","start":1540.69,"end":1540.9299,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.003090333193540573},{"word":"or","start":1540.9299,"end":1541.09,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.00007447600364685059},{"word":"two","start":1541.09,"end":1541.33,"confidence":0.9951172,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.009198609739542007},{"word":"conversations","start":1541.33,"end":1541.83,"confidence":0.98535156,"punctuated_word":"conversations","sentiment":"neutral","sentiment_score":0.00792362168431282},{"word":"to","start":1541.97,"end":1542.0499,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02560318633913994},{"word":"really","start":1542.0499,"end":1542.2899,"confidence":0.9980469,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.011508796364068983},{"word":"get","start":1542.2899,"end":1542.5299,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.011469922959804537},{"word":"it","start":1542.5299,"end":1542.61,"confidence":0.88623047,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.012098988518118858},{"word":"and","start":1542.61,"end":1542.7699,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.004224047064781189},{"word":"you","start":1542.7699,"end":1542.85,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007088903337717056},{"word":"do","start":1542.85,"end":1543.09,"confidence":0.98535156,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.007607590407133102},{"word":"pay","start":1543.09,"end":1543.25,"confidence":0.99609375,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.002343572676181793},{"word":"us","start":1543.25,"end":1543.49,"confidence":0.9921875,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.0076252371072769165},{"word":"for","start":1543.49,"end":1543.6499,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.005016583949327469},{"word":"a","start":1543.6499,"end":1543.73,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12783917784690857},{"word":"reason","start":1543.73,"end":1544.23,"confidence":0.91259766,"punctuated_word":"reason.","sentiment":"neutral","sentiment_score":-0.1412150263786316},{"word":"but","start":1544.37,"end":1544.69,"confidence":0.99121094,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.08337222039699554},{"word":"as","start":1544.69,"end":1544.85,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.015629619359970093},{"word":"long","start":1544.85,"end":1545.0099,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.011126205325126648},{"word":"as","start":1545.0099,"end":1545.09,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.006594546139240265},{"word":"you","start":1545.09,"end":1545.25,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.015172703191637993},{"word":"kind","start":1545.25,"end":1545.4099,"confidence":0.97802734,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.008231695741415024},{"word":"of","start":1545.4099,"end":1545.57,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.020261641591787335},{"word":"know","start":1545.57,"end":1545.8899,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.009677596390247343},{"word":"what","start":1545.8899,"end":1546.0499,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.016754237934947014},{"word":"i'm","start":1546.0499,"end":1546.2899,"confidence":0.99365234,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.022676676511764526},{"word":"doing","start":1546.2899,"end":1546.61,"confidence":0.86279297,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.037813588976860046},{"word":"and","start":1546.61,"end":1546.85,"confidence":0.5625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.044732749462127686},{"word":"what","start":1546.85,"end":1547.35,"confidence":0.8234863,"punctuated_word":"what.","sentiment":"neutral","sentiment_score":-0.04238130897283554},{"word":"yeah","start":1550.625,"end":1551.125,"confidence":0.9230957,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1606331318616867},{"word":"perfect","start":1555.105,"end":1555.605,"confidence":0.99658203,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5587025880813599},{"word":"so","start":1555.985,"end":1556.225,"confidence":0.9892578,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3761935830116272},{"word":"i'll","start":1556.225,"end":1556.465,"confidence":0.99658203,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.37213605642318726},{"word":"mix","start":1556.465,"end":1556.705,"confidence":0.99316406,"punctuated_word":"mix","sentiment":"neutral","sentiment_score":0.2907709777355194},{"word":"all","start":1556.705,"end":1556.865,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.3023528754711151},{"word":"those","start":1556.865,"end":1557.105,"confidence":0.9716797,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.26132652163505554},{"word":"two","start":1557.105,"end":1557.265,"confidence":0.99609375,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.23402293026447296},{"word":"in","start":1557.265,"end":1557.4249,"confidence":0.96240234,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.25513383746147156},{"word":"together","start":1557.4249,"end":1557.825,"confidence":0.99902344,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.255490779876709},{"word":"over","start":1557.825,"end":1557.985,"confidence":0.9790039,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2949464023113251},{"word":"the","start":1557.985,"end":1558.065,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29142317175865173},{"word":"next","start":1558.065,"end":1558.3049,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.27403393387794495},{"word":"couple","start":1558.3049,"end":1558.5449,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.2831888198852539},{"word":"of","start":1558.5449,"end":1558.705,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2790510058403015},{"word":"weeks","start":1558.705,"end":1558.945,"confidence":0.99902344,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":0.259221613407135},{"word":"i'm","start":1558.945,"end":1559.1849,"confidence":0.76171875,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1770031452178955},{"word":"actually","start":1559.1849,"end":1559.6649,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.20446808636188507},{"word":"going","start":1559.6649,"end":1560.065,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.17258167266845703},{"word":"on","start":1560.065,"end":1560.565,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14465269446372986},{"word":"maternity","start":1560.865,"end":1561.345,"confidence":0.5629883,"punctuated_word":"maternity","sentiment":"neutral","sentiment_score":0.17213086783885956},{"word":"leave","start":1561.345,"end":1561.505,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.13610965013504028},{"word":"in","start":1561.505,"end":1561.6649,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13678616285324097},{"word":"june","start":1561.6649,"end":1561.985,"confidence":1.0,"punctuated_word":"June","sentiment":"neutral","sentiment_score":0.18294799327850345},{"word":"for","start":1561.985,"end":1562.225,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1648184061050415},{"word":"my","start":1562.225,"end":1562.385,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.20053106546401975},{"word":"third","start":1562.385,"end":1562.705,"confidence":0.95751953,"punctuated_word":"third.","sentiment":"neutral","sentiment_score":0.17701464891433716},{"word":"i","start":1562.705,"end":1562.7849,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.183365061879158},{"word":"have","start":1562.7849,"end":1562.945,"confidence":0.99316406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17596979439258575},{"word":"a","start":1562.945,"end":1563.105,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16094420850276947},{"word":"daughter","start":1563.105,"end":1563.4249,"confidence":0.9980469,"punctuated_word":"daughter","sentiment":"neutral","sentiment_score":0.1393754929304123},{"word":"on","start":1563.4249,"end":1563.585,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1802762895822525},{"word":"the","start":1563.585,"end":1563.745,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18872202932834625},{"word":"way","start":1563.745,"end":1564.245,"confidence":0.9641113,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.18527023494243625},{"word":"so","start":1564.29,"end":1564.79,"confidence":0.8051758,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.13372814655303955},{"word":"yeah","start":1565.81,"end":1566.2101,"confidence":0.9645996,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.13746771216392517},{"word":"family","start":1566.2101,"end":1566.7101,"confidence":0.7626953,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.18225756287574768},{"word":"leave","start":1568.53,"end":1569.03,"confidence":0.258667,"punctuated_word":"leave.","sentiment":"neutral","sentiment_score":0.13656389713287354},{"word":"so","start":1571.73,"end":1572.13,"confidence":0.7739258,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13365502655506134},{"word":"i'll","start":1572.13,"end":1572.53,"confidence":0.9831543,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.14130282402038574},{"word":"try","start":1572.53,"end":1572.6901,"confidence":0.99609375,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.13166145980358124},{"word":"and","start":1572.6901,"end":1572.8501,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1514599621295929},{"word":"get","start":1572.8501,"end":1573.01,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11887959390878676},{"word":"you","start":1573.01,"end":1573.17,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1396270990371704},{"word":"guys","start":1573.17,"end":1573.49,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.1490067094564438},{"word":"in","start":1573.49,"end":1573.89,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12004896998405457},{"word":"before","start":1573.89,"end":1574.39,"confidence":0.99609375,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.15367403626441956},{"word":"i","start":1575.01,"end":1575.17,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1264583170413971},{"word":"go","start":1575.17,"end":1575.67,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1198056936264038},{"word":"in","start":1575.89,"end":1576.05,"confidence":0.85839844,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12382175028324129},{"word":"the","start":1576.05,"end":1576.2101,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13882166147232056},{"word":"first","start":1576.2101,"end":1576.4501,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.1027342528104782},{"word":"two","start":1576.4501,"end":1576.61,"confidence":0.9560547,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.1240176111459732},{"word":"weeks","start":1576.61,"end":1576.8501,"confidence":0.9980469,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.10948403179645538},{"word":"of","start":1576.8501,"end":1577.01,"confidence":0.8183594,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13675083220005035},{"word":"june","start":1577.01,"end":1577.3301,"confidence":0.8781738,"punctuated_word":"June.","sentiment":"neutral","sentiment_score":0.14248515665531158},{"word":"so","start":1577.3301,"end":1577.5701,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12995311617851257},{"word":"towards","start":1577.5701,"end":1577.89,"confidence":0.9448242,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.10362442582845688},{"word":"the","start":1577.89,"end":1578.05,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10777673870325089},{"word":"end","start":1578.05,"end":1578.2101,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.12194526195526124},{"word":"of","start":1578.2101,"end":1578.29,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12516187131404877},{"word":"the","start":1578.29,"end":1578.4501,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11554580181837082},{"word":"month","start":1578.4501,"end":1578.6901,"confidence":0.9147949,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":0.11375272274017334},{"word":"if","start":1578.6901,"end":1578.8501,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1311742514371872},{"word":"that's","start":1578.8501,"end":1579.17,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1207023710012436},{"word":"okay","start":1579.17,"end":1579.67,"confidence":0.8972168,"punctuated_word":"okay,","sentiment":"neutral","sentiment_score":0.17487609386444092},{"word":"i'd","start":1579.755,"end":1579.995,"confidence":0.99560547,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.18628260493278503},{"word":"like","start":1579.995,"end":1580.155,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.16211625933647156},{"word":"to","start":1580.155,"end":1580.235,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15950851142406464},{"word":"just","start":1580.235,"end":1580.475,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17529375851154327},{"word":"run","start":1580.475,"end":1580.715,"confidence":0.9970703,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.12536917626857758},{"word":"you","start":1580.715,"end":1580.875,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11873142421245576},{"word":"through","start":1580.875,"end":1581.375,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1165756732225418},{"word":"that","start":1581.595,"end":1581.835,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13313651084899902},{"word":"policy","start":1581.835,"end":1582.335,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.09534253925085068},{"word":"and","start":1582.555,"end":1582.715,"confidence":0.6669922,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10004492849111556},{"word":"the","start":1582.715,"end":1582.875,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11275682598352432},{"word":"updates","start":1582.875,"end":1583.375,"confidence":0.81152344,"punctuated_word":"updates.","sentiment":"neutral","sentiment_score":0.0672295093536377},{"word":"cool","start":1586.875,"end":1587.375,"confidence":0.9667969,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.42023688554763794},{"word":"everything's","start":1587.675,"end":1588.155,"confidence":0.8293457,"punctuated_word":"Everything's","sentiment":"positive","sentiment_score":0.5086723566055298},{"word":"going","start":1588.155,"end":1588.475,"confidence":0.9111328,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.6226757168769836},{"word":"really","start":1588.475,"end":1588.635,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.60750812292099},{"word":"well","start":1588.635,"end":1588.795,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.6082583069801331},{"word":"with","start":1588.795,"end":1589.035,"confidence":0.99902344,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6085062026977539},{"word":"the","start":1589.035,"end":1589.115,"confidence":0.96777344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5809835195541382},{"word":"super","start":1589.115,"end":1589.435,"confidence":0.8371582,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.5318165421485901},{"word":"i","start":1589.435,"end":1589.515,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2597075402736664},{"word":"don't","start":1589.515,"end":1589.755,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.208383247256279},{"word":"really","start":1589.755,"end":1590.075,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.1850809156894684},{"word":"see","start":1590.075,"end":1590.3151,"confidence":0.9892578,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.16487327218055725},{"word":"too","start":1590.3151,"end":1590.475,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.1104157418012619},{"word":"much","start":1590.475,"end":1590.715,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.12202215939760208},{"word":"of","start":1590.715,"end":1590.875,"confidence":0.7167969,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09760934859514236},{"word":"a","start":1590.875,"end":1590.955,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11597539484500884},{"word":"reason","start":1590.955,"end":1591.275,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.0484539195895195},{"word":"to","start":1591.275,"end":1591.515,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10078944265842438},{"word":"try","start":1591.515,"end":1591.675,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.11870431154966354},{"word":"and","start":1591.675,"end":1592.175,"confidence":0.9797363,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.147705540060997},{"word":"you","start":1592.2699,"end":1592.5099,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1506205052137375},{"word":"know","start":1592.5099,"end":1592.6699,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.18581870198249817},{"word":"pump","start":1592.6699,"end":1593.07,"confidence":0.8701172,"punctuated_word":"pump","sentiment":"neutral","sentiment_score":0.2557353675365448},{"word":"any","start":1593.07,"end":1593.3099,"confidence":0.9921875,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.21496976912021637},{"word":"cash","start":1593.3099,"end":1593.5499,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.15613609552383423},{"word":"flow","start":1593.5499,"end":1593.87,"confidence":0.9633789,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.25664928555488586},{"word":"or","start":1593.87,"end":1594.11,"confidence":0.9667969,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.18124698102474213},{"word":"contributions","start":1594.11,"end":1594.61,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.19682075083255768},{"word":"in","start":1594.75,"end":1594.99,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2037477195262909},{"word":"there","start":1594.99,"end":1595.1499,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.24485547840595245},{"word":"because","start":1595.1499,"end":1595.47,"confidence":0.87158203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2394913285970688},{"word":"you've","start":1595.47,"end":1595.71,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.4250265955924988},{"word":"got","start":1595.71,"end":1596.0299,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.4813756346702576},{"word":"really","start":1596.0299,"end":1596.35,"confidence":0.99902344,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.538104236125946},{"word":"good","start":1596.35,"end":1596.6699,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5115032196044922},{"word":"contributions","start":1596.6699,"end":1597.1699,"confidence":0.99121094,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.5771775841712952},{"word":"and","start":1597.23,"end":1597.3899,"confidence":0.71777344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4987607002258301},{"word":"long","start":1597.3899,"end":1597.6299,"confidence":1.0,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.543346643447876},{"word":"term","start":1597.6299,"end":1597.95,"confidence":0.9980469,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.5700126886367798},{"word":"growth","start":1597.95,"end":1598.45,"confidence":0.98657227,"punctuated_word":"growth.","sentiment":"positive","sentiment_score":0.46274447441101074},{"word":"you've","start":1598.6699,"end":1598.9099,"confidence":0.99902344,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.28651899099349976},{"word":"got","start":1598.9099,"end":1599.07,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3410283923149109},{"word":"your","start":1599.07,"end":1599.3099,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3003564476966858},{"word":"cash","start":1599.3099,"end":1599.5499,"confidence":0.9980469,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.24790455400943756},{"word":"flow","start":1599.5499,"end":1599.7899,"confidence":0.97509766,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.3112473785877228},{"word":"priorities","start":1599.7899,"end":1600.2899,"confidence":0.9980469,"punctuated_word":"priorities","sentiment":"neutral","sentiment_score":0.274676650762558},{"word":"while","start":1600.35,"end":1600.59,"confidence":0.9536133,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.276394248008728},{"word":"you","start":1600.59,"end":1600.75,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2465500384569168},{"word":"still","start":1600.75,"end":1600.99,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.24491655826568604},{"word":"have","start":1600.99,"end":1601.49,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24108710885047913},{"word":"vienna","start":1602.2699,"end":1602.6699,"confidence":0.7998047,"punctuated_word":"Vienna","sentiment":"neutral","sentiment_score":0.22876855731010437},{"word":"and","start":1602.6699,"end":1602.83,"confidence":0.8569336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1602121889591217},{"word":"kindy","start":1602.83,"end":1603.33,"confidence":0.61499023,"punctuated_word":"Kindy","sentiment":"neutral","sentiment_score":0.1758250743150711},{"word":"and","start":1603.3899,"end":1603.6299,"confidence":0.5957031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1883818805217743},{"word":"obviously","start":1603.6299,"end":1604.11,"confidence":0.5917969,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.2658434212207794},{"word":"building","start":1604.11,"end":1604.5099,"confidence":0.90283203,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.2468176633119583},{"word":"up","start":1604.5099,"end":1604.835,"confidence":0.9589844,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.22503133118152616},{"word":"towards","start":1604.995,"end":1605.315,"confidence":0.92822266,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.28117305040359497},{"word":"those","start":1605.315,"end":1605.5549,"confidence":0.9375,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2672029435634613},{"word":"out","start":1605.5549,"end":1605.7949,"confidence":0.97509766,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.25656336545944214},{"word":"of","start":1605.7949,"end":1605.955,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22837279736995697},{"word":"super","start":1605.955,"end":1606.355,"confidence":0.97998047,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.25522613525390625},{"word":"investments","start":1606.355,"end":1606.855,"confidence":0.7224121,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.12888780236244202},{"word":"so","start":1606.9149,"end":1607.4149,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07273384928703308},{"word":"are","start":1607.475,"end":1607.635,"confidence":0.9902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04991953447461128},{"word":"you","start":1607.635,"end":1607.7949,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11130158603191376},{"word":"okay","start":1607.7949,"end":1608.115,"confidence":0.99902344,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.14403672516345978},{"word":"just","start":1608.115,"end":1608.355,"confidence":0.98828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16127735376358032},{"word":"to","start":1608.355,"end":1608.515,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14078865945339203},{"word":"kind","start":1608.515,"end":1608.6749,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.14850184321403503},{"word":"of","start":1608.6749,"end":1608.835,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16282279789447784},{"word":"let","start":1608.835,"end":1609.075,"confidence":0.99609375,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1803213655948639},{"word":"the","start":1609.075,"end":1609.395,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20217537879943848},{"word":"employer","start":1609.395,"end":1609.875,"confidence":0.52001953,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":0.14414983987808228},{"word":"contributions","start":1609.875,"end":1610.375,"confidence":0.8256836,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.14889737963676453},{"word":"do","start":1610.515,"end":1610.6749,"confidence":0.94921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2052239179611206},{"word":"their","start":1610.6749,"end":1610.9149,"confidence":0.74560547,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.12516726553440094},{"word":"thing","start":1610.9149,"end":1611.075,"confidence":0.9970703,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.1911011338233948},{"word":"as","start":1611.075,"end":1611.315,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14935214817523956},{"word":"well","start":1611.315,"end":1611.815,"confidence":0.9980469,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.11508092284202576},{"word":"fantastic","start":1614.995,"end":1615.495,"confidence":0.9980469,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5429452061653137},{"word":"i","start":1616.355,"end":1616.515,"confidence":0.90771484,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.34227851033210754},{"word":"have","start":1616.515,"end":1616.835,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3529278337955475},{"word":"thrown","start":1616.835,"end":1617.335,"confidence":0.9892578,"punctuated_word":"thrown","sentiment":"positive","sentiment_score":0.3619101941585541},{"word":"quite","start":1617.5549,"end":1617.7949,"confidence":0.9980469,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.3287993371486664},{"word":"a","start":1617.7949,"end":1617.955,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31832146644592285},{"word":"bit","start":1617.955,"end":1618.115,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2524583637714386},{"word":"more","start":1618.115,"end":1618.355,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2449493259191513},{"word":"information","start":1618.355,"end":1618.755,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.31046777963638306},{"word":"at","start":1618.755,"end":1618.9149,"confidence":0.9448242,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2746948003768921},{"word":"you","start":1618.9149,"end":1619.075,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35530808568000793},{"word":"than","start":1619.075,"end":1619.235,"confidence":0.99609375,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.2854464054107666},{"word":"i","start":1619.235,"end":1619.315,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.28297168016433716},{"word":"would","start":1619.315,"end":1619.475,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.27209705114364624},{"word":"normally","start":1619.475,"end":1619.875,"confidence":0.99902344,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.2589484453201294},{"word":"in","start":1619.875,"end":1620.0349,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2373441606760025},{"word":"a","start":1620.0349,"end":1620.115,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3207753002643585},{"word":"review","start":1620.115,"end":1620.615,"confidence":0.77246094,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.21135982871055603},{"word":"but","start":1620.7699,"end":1620.85,"confidence":0.9873047,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1723705232143402},{"word":"do","start":1620.85,"end":1620.97,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09431778639554976},{"word":"you","start":1620.97,"end":1621.09,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.115499347448349},{"word":"have","start":1621.09,"end":1621.1699,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10805045813322069},{"word":"any","start":1621.1699,"end":1621.4099,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.09833724796772005},{"word":"questions","start":1621.4099,"end":1621.8899,"confidence":0.9941406,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.05270709842443466},{"word":"so","start":1621.8899,"end":1622.0499,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04796304926276207},{"word":"far","start":1622.0499,"end":1622.5499,"confidence":0.9995117,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.0787779912352562},{"word":"cool","start":1625.97,"end":1626.47,"confidence":0.7253418,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.10402941703796388},{"word":"now","start":1627.09,"end":1627.57,"confidence":0.8881836,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.10688541829586028},{"word":"with","start":1627.57,"end":1627.8899,"confidence":0.96875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0994335412979126},{"word":"that","start":1627.8899,"end":1628.1299,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18540681898593905},{"word":"pack","start":1628.1299,"end":1628.37,"confidence":0.95947266,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.14597569406032562},{"word":"that","start":1628.37,"end":1628.45,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16197329759597778},{"word":"i've","start":1628.45,"end":1628.61,"confidence":0.9362793,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.13902202248573303},{"word":"sent","start":1628.61,"end":1628.85,"confidence":0.9980469,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.13855835795402527},{"word":"you","start":1628.85,"end":1629.0099,"confidence":0.95410156,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.12033741176128387},{"word":"that's","start":1629.0099,"end":1629.25,"confidence":0.9255371,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.15400157868862152},{"word":"obviously","start":1629.25,"end":1629.73,"confidence":0.7182617,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.1416134387254715},{"word":"got","start":1629.73,"end":1630.0499,"confidence":0.9921875,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.17757612466812134},{"word":"the","start":1630.0499,"end":1630.2899,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14938507974147797},{"word":"certificate","start":1630.2899,"end":1630.7699,"confidence":0.9980469,"punctuated_word":"certificate","sentiment":"neutral","sentiment_score":0.13545022904872894},{"word":"of","start":1630.7699,"end":1630.9299,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12232371419668198},{"word":"the","start":1630.9299,"end":1631.09,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1208466961979866},{"word":"policy","start":1631.09,"end":1631.59,"confidence":0.90185547,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.1069716215133667},{"word":"performance","start":1631.8899,"end":1632.3899,"confidence":0.9116211,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.08558904379606247},{"word":"reports","start":1632.5299,"end":1633.0299,"confidence":0.88720703,"punctuated_word":"reports,","sentiment":"neutral","sentiment_score":0.12451206892728806},{"word":"updated","start":1633.09,"end":1633.59,"confidence":0.9970703,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.07995414733886719},{"word":"service","start":1633.8099,"end":1634.21,"confidence":0.98828125,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.07454995065927505},{"word":"guide","start":1634.21,"end":1634.45,"confidence":0.99121094,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.07366849482059479},{"word":"with","start":1634.45,"end":1634.61,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09406746923923492},{"word":"us","start":1634.61,"end":1635.105,"confidence":0.7595215,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":0.07546557486057281},{"word":"or","start":1635.345,"end":1635.585,"confidence":0.6479492,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07029207050800323},{"word":"licensing","start":1635.585,"end":1636.085,"confidence":1.0,"punctuated_word":"licensing","sentiment":"neutral","sentiment_score":0.035397663712501526},{"word":"information","start":1636.225,"end":1636.725,"confidence":0.99902344,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.04594055563211441},{"word":"and","start":1636.785,"end":1636.945,"confidence":0.83984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03511538356542587},{"word":"so","start":1636.945,"end":1637.1849,"confidence":0.9892578,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04739264398813248},{"word":"on","start":1637.1849,"end":1637.585,"confidence":0.97387695,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.06419499963521957},{"word":"there's","start":1637.585,"end":1637.905,"confidence":0.99853516,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.1027853712439537},{"word":"also","start":1637.905,"end":1638.225,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07650609314441681},{"word":"your","start":1638.225,"end":1638.625,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07258587330579758},{"word":"ongoing","start":1638.625,"end":1639.105,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.07351663708686829},{"word":"service","start":1639.105,"end":1639.585,"confidence":1.0,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.06546568870544434},{"word":"agreement","start":1639.585,"end":1640.085,"confidence":1.0,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.0681912899017334},{"word":"in","start":1640.145,"end":1640.225,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08318983018398285},{"word":"there","start":1640.225,"end":1640.465,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.11518851667642592},{"word":"as","start":1640.465,"end":1640.5449,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08661855012178421},{"word":"well","start":1640.5449,"end":1641.0449,"confidence":0.967041,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.08960690349340439},{"word":"so","start":1641.4249,"end":1641.9249,"confidence":0.98095703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08047084510326385},{"word":"you","start":1641.985,"end":1642.145,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10478270798921584},{"word":"guys","start":1642.145,"end":1642.385,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.10288850963115692},{"word":"are","start":1642.385,"end":1642.5449,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08635930716991425},{"word":"still","start":1642.5449,"end":1642.945,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.08237332850694656},{"word":"on","start":1642.945,"end":1643.265,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0866222158074379},{"word":"that","start":1643.265,"end":1643.585,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11930837482213974},{"word":"partner","start":1643.585,"end":1644.065,"confidence":0.99609375,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.06986089795827866},{"word":"discount","start":1644.065,"end":1644.465,"confidence":1.0,"punctuated_word":"discount","sentiment":"neutral","sentiment_score":0.060499999672174454},{"word":"rate","start":1644.465,"end":1644.785,"confidence":0.9873047,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.07384879142045975},{"word":"of","start":1644.785,"end":1645.025,"confidence":0.9863281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0668160542845726},{"word":"1.1%","start":1645.025,"end":1646.325,"confidence":1.0,"punctuated_word":"1.1%","sentiment":"neutral","sentiment_score":0.06718026101589203},{"word":"for","start":1646.625,"end":1646.945,"confidence":0.9526367,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06002429872751236},{"word":"the","start":1646.945,"end":1647.105,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05483416095376015},{"word":"super","start":1647.105,"end":1647.505,"confidence":0.9482422,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.055786050856113434},{"word":"only","start":1647.505,"end":1647.905,"confidence":0.9838867,"punctuated_word":"only.","sentiment":"neutral","sentiment_score":0.03645636886358261},{"word":"like","start":1647.905,"end":1648.145,"confidence":1.0,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":0.03497959300875664},{"word":"i","start":1648.145,"end":1648.225,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.036139242351055145},{"word":"said","start":1648.225,"end":1648.465,"confidence":0.9970703,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.047310829162597656},{"word":"i've","start":1648.465,"end":1648.625,"confidence":0.99853516,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.025956254452466965},{"word":"excluded","start":1648.625,"end":1649.125,"confidence":1.0,"punctuated_word":"excluded","sentiment":"neutral","sentiment_score":0.02138572931289673},{"word":"the","start":1649.345,"end":1649.505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008853645995259285},{"word":"investment","start":1649.505,"end":1650.005,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.006448961794376373},{"word":"portfolio","start":1650.9401,"end":1651.4401,"confidence":0.99658203,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.0165710486471653},{"word":"are","start":1651.98,"end":1652.2201,"confidence":0.99902344,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.0463547483086586},{"word":"you","start":1652.2201,"end":1652.54,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05192180722951889},{"word":"still","start":1652.54,"end":1652.86,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.040711693465709686},{"word":"comfortable","start":1652.86,"end":1653.3401,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.06270149350166321},{"word":"for","start":1653.3401,"end":1653.5,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0732414573431015},{"word":"us","start":1653.5,"end":1653.5801,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.06012459099292755},{"word":"to","start":1653.5801,"end":1653.66,"confidence":0.90771484,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.045152448117733},{"word":"look","start":1653.66,"end":1653.8201,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03714874759316445},{"word":"after","start":1653.8201,"end":1654.14,"confidence":0.98828125,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.049485944211483},{"word":"your","start":1654.14,"end":1654.3,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05785474926233291},{"word":"super","start":1654.3,"end":1654.62,"confidence":0.6972656,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08816663175821304},{"word":"cater","start":1654.62,"end":1655.12,"confidence":0.6385498,"punctuated_word":"cater?","sentiment":"neutral","sentiment_score":0.06369052827358246},{"word":"perfect","start":1658.62,"end":1659.12,"confidence":0.98876953,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5035071969032288},{"word":"with","start":1660.14,"end":1660.3,"confidence":0.74658203,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.2793853282928467},{"word":"that","start":1660.3,"end":1660.62,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3670109808444977},{"word":"new","start":1660.62,"end":1661.12,"confidence":0.9941406,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.3044727146625519},{"word":"odoo","start":1661.18,"end":1661.5801,"confidence":0.7878418,"punctuated_word":"Odoo","sentiment":"positive","sentiment_score":0.33873647451400757},{"word":"sign","start":1661.5801,"end":1661.9,"confidence":0.38720703,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.2186806946992874},{"word":"system","start":1661.9,"end":1662.3,"confidence":0.99609375,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.19397899508476257},{"word":"that","start":1662.3,"end":1662.4601,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2251743525266647},{"word":"we're","start":1662.4601,"end":1662.62,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.24103692173957825},{"word":"using","start":1662.62,"end":1663.1001,"confidence":0.9951172,"punctuated_word":"using,","sentiment":"neutral","sentiment_score":0.23291997611522677},{"word":"it's","start":1663.1001,"end":1663.42,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2820809483528137},{"word":"pretty","start":1663.42,"end":1663.74,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.31522688269615173},{"word":"similar","start":1663.74,"end":1664.2201,"confidence":1.0,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.2508251368999481},{"word":"to","start":1664.2201,"end":1664.54,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2654532790184021},{"word":"docusign","start":1664.54,"end":1665.04,"confidence":0.99609375,"punctuated_word":"DocuSign.","sentiment":"neutral","sentiment_score":0.20274458825588224},{"word":"if","start":1666.0751,"end":1666.155,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.2391386777162552},{"word":"you","start":1666.155,"end":1666.395,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19957515597343445},{"word":"can","start":1666.395,"end":1666.795,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1929992288351059},{"word":"try","start":1666.795,"end":1667.295,"confidence":0.99902344,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.2204668819904327},{"word":"and","start":1667.3551,"end":1667.8551,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21632251143455505},{"word":"draw","start":1668.2351,"end":1668.4751,"confidence":1.0,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.20588290691375732},{"word":"the","start":1668.4751,"end":1668.7151,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18693986535072327},{"word":"signature","start":1668.7151,"end":1669.115,"confidence":1.0,"punctuated_word":"signature","sentiment":"neutral","sentiment_score":0.13268764317035675},{"word":"on","start":1669.115,"end":1669.275,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2312106490135193},{"word":"there","start":1669.275,"end":1669.5951,"confidence":0.8623047,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.2684217393398285},{"word":"it's","start":1669.5951,"end":1669.8351,"confidence":0.9772949,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.327371209859848},{"word":"usually","start":1669.8351,"end":1670.2351,"confidence":1.0,"punctuated_word":"usually","sentiment":"positive","sentiment_score":0.3354765474796295},{"word":"better","start":1670.2351,"end":1670.555,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.2637127637863159},{"word":"than","start":1670.555,"end":1670.795,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.30143624544143677},{"word":"the","start":1670.795,"end":1671.035,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3557932674884796},{"word":"stamp","start":1671.035,"end":1671.3551,"confidence":0.96533203,"punctuated_word":"stamp","sentiment":"neutral","sentiment_score":0.31538113951683044},{"word":"it","start":1671.3551,"end":1671.515,"confidence":0.95947266,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3485512435436249},{"word":"automatically","start":1671.515,"end":1672.015,"confidence":0.99902344,"punctuated_word":"automatically","sentiment":"positive","sentiment_score":0.3586471676826477},{"word":"puts","start":1672.155,"end":1672.655,"confidence":0.96362305,"punctuated_word":"puts.","sentiment":"neutral","sentiment_score":0.23352709412574768},{"word":"and","start":1673.3551,"end":1673.755,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.182286873459816},{"word":"i","start":1673.755,"end":1673.915,"confidence":0.98291016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18532641232013705},{"word":"think","start":1673.915,"end":1674.2351,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.18642134964466095},{"word":"if","start":1674.2351,"end":1674.395,"confidence":0.98291016,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.20323774218559265},{"word":"you","start":1674.395,"end":1674.555,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18026268482208252},{"word":"actually","start":1674.555,"end":1674.9551,"confidence":0.9501953,"punctuated_word":"actually,","sentiment":"neutral","sentiment_score":0.18176591396331787},{"word":"like","start":1674.9551,"end":1675.275,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1784871220588684},{"word":"click","start":1675.275,"end":1675.5951,"confidence":0.99902344,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.14169906079769137},{"word":"on","start":1675.5951,"end":1676.0951,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16289280354976654},{"word":"the","start":1676.3151,"end":1676.4751,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15234200656414032},{"word":"signature","start":1676.4751,"end":1676.875,"confidence":1.0,"punctuated_word":"signature","sentiment":"neutral","sentiment_score":0.0698920488357544},{"word":"box","start":1676.875,"end":1677.115,"confidence":0.9951172,"punctuated_word":"box,","sentiment":"neutral","sentiment_score":0.17059418559074402},{"word":"it'll","start":1677.115,"end":1677.435,"confidence":0.98291016,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.19322407245635984},{"word":"let","start":1677.435,"end":1677.5951,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1794096827507019},{"word":"you","start":1677.5951,"end":1677.755,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15341991186141968},{"word":"actually","start":1677.755,"end":1677.995,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.15975941717624664},{"word":"do","start":1677.995,"end":1678.155,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13484331965446472},{"word":"a","start":1678.155,"end":1678.395,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1573326289653778},{"word":"drawing","start":1678.395,"end":1678.7151,"confidence":1.0,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":0.11682555824518204},{"word":"on","start":1678.7151,"end":1678.875,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11077704280614852},{"word":"there","start":1678.875,"end":1679.34,"confidence":0.9223633,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.12519142031669617},{"word":"if","start":1679.58,"end":1679.82,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.04551603645086289},{"word":"not","start":1679.82,"end":1680.0599,"confidence":0.99902344,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":0.04538721218705177},{"word":"it's","start":1680.0599,"end":1680.38,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1370968222618103},{"word":"not","start":1680.38,"end":1680.5399,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.08824128657579422},{"word":"gonna","start":1680.5399,"end":1680.7799,"confidence":0.91845703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0724605843424797},{"word":"cause","start":1680.7799,"end":1681.02,"confidence":0.9760742,"punctuated_word":"cause","sentiment":"neutral","sentiment_score":0.007548507302999496},{"word":"any","start":1681.02,"end":1681.26,"confidence":0.9902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06406478583812714},{"word":"issues","start":1681.26,"end":1681.58,"confidence":0.99902344,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":-0.017361894249916077},{"word":"with","start":1681.58,"end":1681.82,"confidence":0.9741211,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04017399623990059},{"word":"hub","start":1681.82,"end":1682.0599,"confidence":0.77490234,"punctuated_word":"Hub.","sentiment":"neutral","sentiment_score":0.08838582038879395},{"word":"they're","start":1682.0599,"end":1682.22,"confidence":0.9980469,"punctuated_word":"They're","sentiment":"positive","sentiment_score":0.4510119557380676},{"word":"pretty","start":1682.22,"end":1682.5399,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.47886425256729126},{"word":"good","start":1682.5399,"end":1682.7,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.46329423785209656},{"word":"with","start":1682.7,"end":1682.86,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5451717972755432},{"word":"it","start":1682.86,"end":1683.36,"confidence":0.9538574,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.4046109616756439},{"word":"but","start":1683.6599,"end":1684.1599,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.19623753428459167},{"word":"if","start":1684.22,"end":1684.46,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14268562197685242},{"word":"you","start":1684.46,"end":1684.5399,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1462910771369934},{"word":"have","start":1684.5399,"end":1684.7799,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07241828739643097},{"word":"any","start":1684.7799,"end":1685.02,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06874691694974899},{"word":"issues","start":1685.02,"end":1685.4199,"confidence":0.98706055,"punctuated_word":"issues,","sentiment":"neutral","sentiment_score":0.03916269540786743},{"word":"just","start":1685.4199,"end":1685.9,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08259628713130951},{"word":"give","start":1685.9,"end":1686.14,"confidence":0.97802734,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.04687315970659256},{"word":"the","start":1686.14,"end":1686.22,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06592230498790741},{"word":"team","start":1686.22,"end":1686.5399,"confidence":0.43310547,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.0849027931690216},{"word":"a","start":1686.5399,"end":1686.62,"confidence":0.5258789,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07365163415670395},{"word":"call","start":1686.62,"end":1687.12,"confidence":0.54138184,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.0774988904595375},{"word":"yeah","start":1700.315,"end":1700.5549,"confidence":0.782959,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009986293502151966},{"word":"it","start":1700.5549,"end":1700.7949,"confidence":0.99316406,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.02163715474307537},{"word":"stamps","start":1700.7949,"end":1701.195,"confidence":0.5053711,"punctuated_word":"stamps","sentiment":"neutral","sentiment_score":0.011209459975361824},{"word":"your","start":1701.195,"end":1701.695,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.006640242412686348},{"word":"name","start":1702.075,"end":1702.575,"confidence":0.99902344,"punctuated_word":"name.","sentiment":"neutral","sentiment_score":-0.008573571220040321},{"word":"yeah","start":1704.17,"end":1704.41,"confidence":0.81591797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015142790973186491},{"word":"it","start":1704.41,"end":1704.65,"confidence":0.99121094,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.0375802256166935},{"word":"never","start":1704.65,"end":1704.89,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.04843364655971527},{"word":"looks","start":1704.89,"end":1705.13,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":-0.02474852278828621},{"word":"right","start":1705.13,"end":1705.37,"confidence":0.96875,"punctuated_word":"right,","sentiment":"neutral","sentiment_score":-0.040765948593616486},{"word":"but","start":1705.37,"end":1705.61,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05422012135386467},{"word":"it's","start":1705.61,"end":1705.77,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.058347493410110474},{"word":"it's","start":1705.77,"end":1706.27,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.034424446523189545},{"word":"close","start":1706.49,"end":1706.8099,"confidence":0.9902344,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.04216742143034935},{"word":"enough","start":1706.8099,"end":1707.05,"confidence":0.99902344,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":-0.05057408660650253},{"word":"to","start":1707.05,"end":1707.21,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03540432080626488},{"word":"the","start":1707.21,"end":1707.37,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04291437938809395},{"word":"license","start":1707.37,"end":1707.85,"confidence":0.9633789,"punctuated_word":"license,","sentiment":"neutral","sentiment_score":-0.04260893538594246},{"word":"i","start":1707.85,"end":1707.93,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08188232779502869},{"word":"guess","start":1707.93,"end":1708.43,"confidence":0.9975586,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":-0.07999569177627563},{"word":"alright","start":1719.155,"end":1719.635,"confidence":0.93237305,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.2290927767753601},{"word":"i'll","start":1719.635,"end":1719.715,"confidence":0.9802246,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.18939462304115295},{"word":"give","start":1719.715,"end":1719.955,"confidence":0.8232422,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.14352461695671082},{"word":"a","start":1719.955,"end":1720.035,"confidence":0.83203125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14403346180915833},{"word":"little","start":1720.035,"end":1720.515,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.11805535107851028},{"word":"refresh","start":1720.515,"end":1721.015,"confidence":0.9980469,"punctuated_word":"refresh","sentiment":"neutral","sentiment_score":0.1495528221130371},{"word":"there","start":1721.075,"end":1721.475,"confidence":0.99902344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.17274664342403412},{"word":"yep","start":1721.475,"end":1721.715,"confidence":0.9980469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.26379936933517456},{"word":"that's","start":1721.715,"end":1721.955,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.40651392936706543},{"word":"all","start":1721.955,"end":1722.195,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4891653060913086},{"word":"good","start":1722.195,"end":1722.515,"confidence":0.9494629,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4141223728656769},{"word":"and","start":1722.515,"end":1722.755,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.3053535521030426},{"word":"it","start":1722.755,"end":1722.835,"confidence":0.97998047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.30297744274139404},{"word":"would","start":1722.835,"end":1722.995,"confidence":0.9951172,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.26677197217941284},{"word":"have","start":1722.995,"end":1723.155,"confidence":0.65234375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.28628087043762207},{"word":"given","start":1723.155,"end":1723.395,"confidence":0.99902344,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.1937447190284729},{"word":"you","start":1723.395,"end":1723.555,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1918722540140152},{"word":"a","start":1723.555,"end":1723.715,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21079739928245544},{"word":"pop","start":1723.715,"end":1723.875,"confidence":0.9614258,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.2209279388189316},{"word":"up","start":1723.875,"end":1724.035,"confidence":0.9951172,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.18616898357868197},{"word":"box","start":1724.035,"end":1724.275,"confidence":0.9980469,"punctuated_word":"box","sentiment":"neutral","sentiment_score":0.1849949210882187},{"word":"if","start":1724.275,"end":1724.435,"confidence":0.9790039,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.20823439955711365},{"word":"you","start":1724.435,"end":1724.595,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17036780714988708},{"word":"wanted","start":1724.595,"end":1724.915,"confidence":0.99609375,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.2039392739534378},{"word":"to","start":1724.915,"end":1724.995,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19241884350776672},{"word":"download","start":1724.995,"end":1725.475,"confidence":0.99902344,"punctuated_word":"download","sentiment":"neutral","sentiment_score":0.20893418788909912},{"word":"a","start":1725.475,"end":1725.635,"confidence":0.88183594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1918940246105194},{"word":"signed","start":1725.635,"end":1725.955,"confidence":0.96533203,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.15576417744159698},{"word":"copy","start":1725.955,"end":1726.455,"confidence":1.0,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.1809724122285843},{"word":"as","start":1726.595,"end":1726.835,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21876424551010132},{"word":"well","start":1726.835,"end":1727.335,"confidence":0.9916992,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.18635837733745575},{"word":"sensational","start":1735.15,"end":1735.65,"confidence":0.83121747,"punctuated_word":"Sensational.","sentiment":"neutral","sentiment_score":0.2461838722229004},{"word":"so","start":1735.9501,"end":1736.1901,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2481098920106888},{"word":"that's","start":1736.1901,"end":1736.59,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2498689889907837},{"word":"pretty","start":1736.59,"end":1736.75,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2150773853063583},{"word":"much","start":1736.75,"end":1736.99,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.19464439153671265},{"word":"it","start":1736.99,"end":1737.15,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1909761130809784},{"word":"for","start":1737.15,"end":1737.31,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22506119310855863},{"word":"the","start":1737.31,"end":1737.39,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2862512171268463},{"word":"review","start":1737.39,"end":1737.79,"confidence":0.9995117,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.08828725665807724},{"word":"i've","start":1737.79,"end":1738.03,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.14997008442878723},{"word":"got","start":1738.03,"end":1738.11,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14822165668010712},{"word":"a","start":1738.11,"end":1738.1901,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10755767673254012},{"word":"bit","start":1738.1901,"end":1738.35,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09982721507549286},{"word":"of","start":1738.35,"end":1738.51,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12791304290294647},{"word":"a","start":1738.51,"end":1738.59,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14992153644561768},{"word":"direction","start":1738.59,"end":1738.99,"confidence":0.9902344,"punctuated_word":"direction","sentiment":"neutral","sentiment_score":0.12520596385002136},{"word":"for","start":1738.99,"end":1739.15,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.186725914478302},{"word":"the","start":1739.15,"end":1739.39,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20650747418403623},{"word":"insurance","start":1739.39,"end":1739.89,"confidence":0.69189453,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.2643194794654846},{"word":"and","start":1740.03,"end":1740.27,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28036004304885864},{"word":"the","start":1740.27,"end":1740.51,"confidence":0.99316406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4429797232151031},{"word":"super","start":1740.51,"end":1741.01,"confidence":0.9667969,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.3215028643608093},{"word":"is","start":1741.47,"end":1741.7101,"confidence":0.9140625,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.12087130546569824},{"word":"there","start":1741.7101,"end":1741.87,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1117553487420082},{"word":"anything","start":1741.87,"end":1742.1901,"confidence":0.9980469,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.15381456911563873},{"word":"else","start":1742.1901,"end":1742.43,"confidence":0.9980469,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.14376166462898254},{"word":"i","start":1742.43,"end":1742.59,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09115051478147508},{"word":"can","start":1742.59,"end":1742.8301,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06879310309886932},{"word":"do","start":1742.8301,"end":1743.0701,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07305091619491577},{"word":"for","start":1743.0701,"end":1743.15,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06685424596071243},{"word":"you","start":1743.15,"end":1743.31,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08133964240550995},{"word":"before","start":1743.31,"end":1743.63,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.07314687222242355},{"word":"i","start":1743.63,"end":1743.7101,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04689366742968559},{"word":"leave","start":1743.7101,"end":1743.87,"confidence":0.9921875,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.041242342442274094},{"word":"you","start":1743.87,"end":1744.03,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05959814041852951},{"word":"for","start":1744.03,"end":1744.1901,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03995951637625694},{"word":"your","start":1744.1901,"end":1744.35,"confidence":0.984375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04856117069721222},{"word":"week","start":1744.35,"end":1744.725,"confidence":0.9941406,"punctuated_word":"week?","sentiment":"neutral","sentiment_score":0.06211501359939575},{"word":"no","start":1748.725,"end":1748.965,"confidence":0.99609375,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.2115515768527985},{"word":"worries","start":1748.965,"end":1749.285,"confidence":0.99902344,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.25043508410453796},{"word":"at","start":1749.285,"end":1749.365,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.20554913580417633},{"word":"all","start":1749.365,"end":1749.865,"confidence":0.99853516,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.23786184191703796},{"word":"i'll","start":1750.085,"end":1750.1649,"confidence":0.951416,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.24516987800598145},{"word":"get","start":1750.1649,"end":1750.405,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.30718427896499634},{"word":"going","start":1750.405,"end":1750.645,"confidence":0.9980469,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.33945712447166443},{"word":"on","start":1750.645,"end":1750.8049,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3355828523635864},{"word":"the","start":1750.8049,"end":1750.965,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2987135648727417},{"word":"research","start":1750.965,"end":1751.465,"confidence":0.9797363,"punctuated_word":"research.","sentiment":"neutral","sentiment_score":0.31578654050827026},{"word":"just","start":1751.525,"end":1751.845,"confidence":1.0,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.1786719709634781},{"word":"expect","start":1751.845,"end":1752.1649,"confidence":0.99902344,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.1848357170820236},{"word":"a","start":1752.1649,"end":1752.245,"confidence":0.81933594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18693524599075317},{"word":"call","start":1752.245,"end":1752.485,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.15803179144859314},{"word":"from","start":1752.485,"end":1752.645,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.16884641349315643},{"word":"the","start":1752.645,"end":1752.8049,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1922801733016968},{"word":"team","start":1752.8049,"end":1753.0449,"confidence":0.9980469,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.1839327812194824},{"word":"in","start":1753.0449,"end":1753.125,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15297216176986694},{"word":"a","start":1753.125,"end":1753.285,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17513245344161987},{"word":"couple","start":1753.285,"end":1753.525,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1290118247270584},{"word":"of","start":1753.525,"end":1753.605,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1711982488632202},{"word":"weeks","start":1753.605,"end":1753.9249,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.15356691181659698},{"word":"to","start":1753.9249,"end":1754.005,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19589239358901975},{"word":"book","start":1754.005,"end":1754.1649,"confidence":1.0,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.18962855637073517},{"word":"you","start":1754.1649,"end":1754.405,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16926735639572144},{"word":"in","start":1754.405,"end":1754.565,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16068069636821747},{"word":"with","start":1754.565,"end":1754.725,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15802223980426788},{"word":"me","start":1754.725,"end":1755.0449,"confidence":0.93847656,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.1866169571876526},{"word":"and","start":1755.0449,"end":1755.365,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14503248035907745},{"word":"we","start":1755.365,"end":1755.445,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16528449952602386},{"word":"can","start":1755.445,"end":1755.605,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20897620916366577},{"word":"get","start":1755.605,"end":1755.765,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.17719021439552307},{"word":"all","start":1755.765,"end":1756.005,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.16981634497642517},{"word":"that","start":1756.005,"end":1756.1649,"confidence":0.97509766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19717296957969663},{"word":"applied","start":1756.1649,"end":1756.565,"confidence":1.0,"punctuated_word":"applied","sentiment":"neutral","sentiment_score":0.2146808356046677},{"word":"for","start":1756.565,"end":1756.8049,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18013165891170502},{"word":"and","start":1756.8049,"end":1756.965,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16970013082027435},{"word":"finalized","start":1756.965,"end":1757.465,"confidence":0.96240234,"punctuated_word":"finalized.","sentiment":"neutral","sentiment_score":0.22866813838481903},{"word":"amazing","start":1761.4169,"end":1761.8169,"confidence":0.95996094,"punctuated_word":"Amazing,","sentiment":"positive","sentiment_score":0.6478126049041748},{"word":"kelly","start":1761.8169,"end":1762.2169,"confidence":0.8522949,"punctuated_word":"Kelly.","sentiment":"positive","sentiment_score":0.586389422416687},{"word":"see","start":1762.2169,"end":1762.4569,"confidence":0.9980469,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.4730320870876312},{"word":"you","start":1762.4569,"end":1762.5369,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4534407258033752},{"word":"later","start":1762.5369,"end":1762.9369,"confidence":1.0,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.5442256331443787},{"word":"bye","start":1762.9369,"end":1763.4369,"confidence":0.99560547,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.15872210264205933}],"paragraphs":{"transcript":"\nGood morning, Kaylee. It's Tommy here, one of the senior advisers. I'm doing I'm just giving you a call to go through both your annual review, and I believe you had some questions around income protection. Is that right? Perfect.\n\nSo if it's okay with you, I'm gonna pop through an annual review pack to your email address and just go through a quick security check, update a few details, and get a few ideas together if that's alright. Perfect. So just as usual, calls are always recorded. And are you okay to confirm for security your date of birth and address, please? Perfect.\n\nThank you, Kaylee. And I'm registered with Asic as adviser one two seven three one zero. Now I've got your email address here, Kaylee Foster. So that's your updated email address. Correct?\n\nYep. So I'll just pop that through to you now. Will you be able to look on any of the documents with me today, or should I just kind of look through what's there? Cool. So I'm gonna send that through now.\n\nThere's a number of attachments that go along with it and a digital authorization link as well. It is coming from our new system, so it might go through your spam box or main inbox. So if you can just check both. It's Croatia. Yep.\n\nPerfect. So there's PDF attachments at the bottom, and that includes performance reports for both hub accounts as well as your current account policy. So I'm just gonna go through the details that we have because I'm trying to make sure everything on the new system updates and matches for both of you guys. And I'm gonna just kind of wait So just bear with me for a moment. I'm just gonna run through what we have.\n\nSo we've got you're obviously married to Joe. You've got Lila, just the one child at the moment. Fantastic. And I did see something, I think, in twenty twenty four, twenty five that you were off for about six weeks or so. Is that your second shot about two?\n\nOkay. And your second daughter's name? Vienna. Is that with a n n a? Perfect.\n\nOkay. So quick question on that one is you've got Myla listed as your beneficiary for the super to receive all the superannuation. Would you like to update that? Yep. So just a fifty fifty split between them.\n\nPerfect. Now just bear in mind, of course, to anyone who's under 18, if you pass away and they receive your super, whoever's kind of their guardian for general or whoever at the time, they'll obviously be looking after the funds on their behalf until they're 18. Perfect. We're still in Upper Kumara, so that's great. When it comes to the occupation side of it, so you're still with Hexicore, I believe.\n\nThat's coming through from your contributions. Yep. Can you just briefly walk me through I think your income was listed as a $140,000 base. Okay. Do you have anything above that in terms of bonuses or anything that I need to take into account?\n\n50 k in bonuses. Wow. That's amazing. Almost at the $200,000 mark. You probably will hit that for the year.\n\nOkay. Fantastic. When it comes to income protection, you can cover up to 70% of your income. Do you want me to just base it on the $140,000 base income? Do you want me to try and bump it up a little bit?\n\nI think yeah. And that's the thing is that I want you being over insured and then you go to claim and you give in your twelve month income and they pay you on a lesser amount than what you've been paying premiums for. Yeah. A 100%. With your 140 k base, that pretty much gives you a cover amount of 8,166 per month before tax.\n\nSo call it just under 2,000 a week, you would get after tax. Would that still be okay for expenses and the luck? Yeah. Absolutely. Now we can choose between different waiting periods and benefit periods.\n\nSo the standard waiting period is thirty days being out of work, SQL injured. You can push that out to sixty or ninety days if you would rather, like, rely on savings and have a more affordable policy. Do you have a preference either way? Yeah. Thirty, sixty, or ninety are the the.\n\nYeah. I think if I was to try and give you a bit of a guide, because you're young and pretty much in a white collar occupation, your life and TPD premiums are very, very cheap. So it's under a thousand dollars for you to have 1,200,000 of both. So the standard you would do would be a thirty day wait and a benefit period all the way up to the age of 65. That would be ideal.\n\nYep. If there's any issues where I see really high premiums that may impact, like, the group of the growth of your super or anything like that, I'll obviously look to maybe trim it down to two years or five years for short term injury. But if it's only gonna be a couple of grand given your contributions, balance, and growth, it's not really gonna have a big impact. K? Now you do have the option to actually pay for income protection out of pocket and get a full tax deduction for it or pay it through the super, and you only get a 15% rebate unless you salary sacrifice the premiums.\n\nDid you want me to look at an out of pocket policy or just put it through the super? Yep. Now they'll be pretty much identical policies anyway. It is just a little bit easier to claim on out of pocket, but most of the insurers have built in benefits to kind of work through definitions out of super anyway. I'll do up a quote for both.\n\nK. Duties wise, so are you still essentially in, like, a sales role? Like, BDM type, you're always kind of on the road meeting clients. Yep. Perfect.\n\nAnd do you work five days, or is it just before from home? Amazing. Okay. That'll make it pretty good. Now I know that there's probably not too much in the way of qualifications that would match for your role, But did you have to put in did you have to get any kind of degrees or specific qualifications for your role?\n\nThat's it. Be a good talker. Do you have any staff under you in terms of managing staff? Perfect. Alright.\n\nSo based on that being kind of office space, so to speak, and a 140,000, you're probably looking at a double a occupation rating, which is the second best outside of, like, a lawyer. So that should be quite quite affordable. Now I'm gonna do a quote through Tal just to add income protection on. Obviously, you will go through that underwriting check for occupation and medical. Did you want me to look at if there's any other providers to offer all three at, like, a cheaper price, or you're happy just to kind of add on the one policy and just go with TAO still?\n\nYep. Now one thing I'm just having a look at with your current policy through Tout is I mentioned before and you had that in place. I'm just trying to look. Your commencement date was 2021. So I'm just wondering if you've had any health concerns between October 2020 one till now.\n\nPerfect. So we'll pretty much try to prefill 90 of an application using what was used for your previous life application. And if that's all good for you, we can just give that sensational. So that's nice and easy. What about with the cover amounts for the life and CBD?\n\nI know you've still got, well, previously, well over 1,000,000 worth of debt in terms of the home and the investment property. Is that still the case? So I think we had about 750,000 owing on the home, $6.40 owing on the investment property approximately. Thank you. Away is the one.\n\nOh, no. Yeah. I think the only two that I found that are good is, like, Commonwealth and NAB have some pretty decent apps, but most banks are pretty terrible for it. Combined for all all loans. Yep.\n\nPerfect. You've never gone through, like, a bankruptcy or a debt agreement before, have you? Perfect. Do you want me to do any alteration for that cover amount for the 1.2 mil? Do you think because that obviously covers your your main residence mortgage pretty solid, leaves you another half a mil plus super on top.\n\nAnd if you're temporarily out of work for a long period of time, income protection can kick in as well. Yeah. Because it's kind of matching, like, you haven't had a significant drop in liabilities. Normally, if you're getting into your forties and the policy starts getting up to 3 or $4, we'd probably trim it down as you pay down the debts. But if that's still pretty stable, I would probably keep it around the same.\n\nYep. We've got just the other assets. I think you had a car there with about the GLC. I think you got 68,000 on the car loan. Yep.\n\nPerfect. And I think the other asset was solar and then your investment account. There's no other scans or crypto or anything floating around as they can. Perfect. Alrighty.\n\nSo that's pretty much all the details up to date there. I've got a pretty solid idea about what to do with the income protection. I do have to ask the question if you wanted me to get you a quote for trauma insurance, which is kind of like a it's called trauma, and it's like a a small lump sum if you have, like, a heart attack, stroke, or cancer to pay for, like, medical bills or your partner taking time off work, but nothing that is causing death or permanent disability. Yep. That's totally fine.\n\nCan I just ask, cash flow wise, how are you guys going with your I know you're doing some equity release and renovations and so on? Are you guys still able to put aside a decent amount into, like, surplus cash flow, would you say? Yes. Yeah. It's crazy, isn't it?\n\nI've got the same thing with the six and three year old. It's crazy. Yep. Yep. Amazing.\n\nSo everything is going into offset. That's obviously building up equity in there. Are you looking to kind of invest that for more properties down the line or just get the debt down? Yeah. Yeah.\n\nWhen interest rates were almost zero, it was really easy to get positively geared properties. But now that it's gone up, most of them are just it's hard to even break even. Have you considered going I was just gonna say anything kind of outside of the area. Have you considered rural or commercial or anything like that, or you would just Yeah. Yep.\n\nYep. Yeah. Between the mines, the insurances and rights. Yeah. Yep.\n\nPerfect. So bit of patience will hopefully pay off there. When it comes to your investment account, because we have a bit of a pause on cash flow, are you okay for me just to kind of let that sit and kind of just do its thing growing? I I think it's just over $10 after the last withdrawal. Yep.\n\nSo just because the balance is kind of low, I haven't included the investment account in any service agreements or fees. I'd rather just wait for that to be kind of active again. So for the time being, it's had a pretty phenomenal return of, like, 23 percent. So it can just kind of bounce around in the background until it becomes more active. Cool.\n\nI wouldn't really change anything in terms of the investments in there because it's doing its thing. So if you're comfortable with that, I can kind of just put a bit of a hold on it, let it invest, and just put a flag in for the team. Amazing. Actually, last couple of things. So when it comes to estate planning, did you guys end up putting a will in place?\n\nYes. Do you remember if you put in place a power of attorney as well for, you know, if you can't act on your own behalf? Yep. Yeah. That's okay.\n\nI'll put unknown for the power of attorney, and that's just more for, like, if you're still here and you're in the hospital, it makes it easier for Joe to kind of access a different bank account or talk to the doctors and things like that, which they're pretty good for with spouses. It's just really if anything requires you to go to court for probate, there's a delay. As long as you guys have joint bank accounts, you're not really Cool. And the last thing was just with the superannuation. Do you usually log in and keep an eye on the hub every now and then?\n\nYep. We've had a bit of a a rickety rickety few months recently. Your contributions have really gotten your account still rolling pretty well. So I think from 87,000 up to a 100 and 10. It's only had about a 5% return.\n\nMost progressive options have been pretty negative lately. So I just wanted to kind of flag with you that it's still in the positive for the year, but it's kind of been a bit of a holding pattern with what's going on with the markets at the moment. Now because you guys have that goal to kind of have the financial freedom to retire as early as possible towards age 60, that's kind of why you're in a high growth portfolio, pretty much all of this super in growth assets, shares, property, and so on. Are you still comfortable with that idea of just going through as much as possible while you're young? Yeah.\n\nIt's just gonna be that thing where we use a lot of buzzwords in the industry like volatility. And what that basically means is when the market's doing it what it's currently doing, higher highs and lower lows in shorter periods of time. So whereas you might have to wait twelve months to get up $20, that may be going up and down 10 or $20 in a period of three months now. Yeah. So it averages out over, like, a long period.\n\nLike, it averages out over the decade once you go through a normal market cycle. Like, this thing happens every time there's a financial crisis, a COVID, a war. But I just wanna double check that you're okay with that kind of roller coaster ride until you're closer to retirement. Yep. So, basically, grow it as much as we can.\n\nOnce you do have the million dollars or whatever the figure is, we can then protect it in those last ten years and and gradually reduce the risk. One thing I will do, though, is I'm having a look at the investment options, and that's on one of the reports in that email pack I sent you. We've got there's about eight or nine options there. Most of them have done pretty fantastic. Like, you're in battery tech and lithium, which is electric vehicles, and that's about a 114%, something ridiculous like that.\n\nMost of the shares are pretty good. One of them in particular, though, I'm concerned about is your Australian shares in Venmo. That dropped significantly compared to the Australian share market and other Australian share option. So just for a bit of an engine tune up, I kind of wanna get a bit of a replacement option for that one. And I think if we're gonna do, like, the income protection, I'll send you, like, an updated statement of advice with the insurance recommendation in there.\n\nAnd then I would just like to replace that one option in the super and maybe mix in a bit of, like, gold in there, bit of alternative just to diversify you a little bit. Is that okay? Perfect. Hey. Look.\n\nIt's a it's a gradual thing. I wouldn't expect anyone after, you know, one or two conversations to really get it, and you do pay us for a reason. But as long as you kind of know what I'm doing and what. Yeah. Perfect.\n\nSo I'll mix all those two in together over the next couple of weeks. I'm actually going on maternity leave in June for my third. I have a daughter on the way. So, yeah, family leave. So I'll try and get you guys in before I go in the first two weeks of June.\n\nSo towards the end of the month, if that's okay, I'd like to just run you through that policy and the updates. Cool. Everything's going really well with the super. I don't really see too much of a reason to try and, you know, pump any cash flow or contributions in there because you've got really good contributions and long term growth. You've got your cash flow priorities while you still have Vienna and Kindy and obviously building up towards those out of super investments.\n\nSo are you okay just to kind of let the employer contributions do their thing as well? Fantastic. I have thrown quite a bit more information at you than I would normally in a review, But do you have any questions so far? Cool. Now with that pack that I've sent you, that's obviously got the certificate of the policy, performance reports, updated service guide with us, or licensing information and so on.\n\nThere's also your ongoing service agreement in there as well. So you guys are still on that partner discount rate of 1.1% for the super only. Like I said, I've excluded the investment portfolio. Are you still comfortable for us to look after your super cater? Perfect.\n\nWith that new Odoo sign system that we're using, it's pretty similar to DocuSign. If you can try and draw the signature on there, it's usually better than the stamp it automatically puts. And I think if you actually, like, click on the signature box, it'll let you actually do a drawing on there. If not, it's not gonna cause any issues with Hub. They're pretty good with it.\n\nBut if you have any issues, just give the team a call. Yeah. It stamps your name. Yeah. It never looks right, but it's it's close enough to the license, I guess.\n\nAlright. I'll give a little refresh there. Yep. That's all good. And it would have given you a pop up box if you wanted to download a signed copy as well.\n\nSensational. So that's pretty much it for the review. I've got a bit of a direction for the insurance and the super. Is there anything else I can do for you before I leave you for your week? No worries at all.\n\nI'll get going on the research. Just expect a call from the team in a couple of weeks to book you in with me, and we can get all that applied for and finalized. Amazing, Kelly. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Kaylee.","start":3.4399998,"end":4.3199997,"sentiment":"positive","sentiment_score":0.3962155183156331},{"text":"It's Tommy here, one of the senior advisers.","start":4.3199997,"end":6.24,"sentiment":"neutral","sentiment_score":0.20567059703171253},{"text":"I'm doing I'm just giving you a call to go through both your annual review, and I believe you had some questions around income protection.","start":6.24,"end":17.895,"sentiment":"neutral","sentiment_score":0.20339410424232482},{"text":"Is that right?","start":17.895,"end":18.635,"sentiment":"neutral","sentiment_score":0.13513642301162085},{"text":"Perfect.","start":28.779999,"end":29.279999,"sentiment":"positive","sentiment_score":0.6280106902122498}],"sentiment":"neutral","sentiment_score":0.22380709741264582,"num_words":40,"start":3.4399998,"end":29.279999},{"sentences":[{"text":"So if it's okay with you, I'm gonna pop through an annual review pack to your email address and just go through a quick security check, update a few details, and get a few ideas together if that's alright.","start":29.339998,"end":41.235,"sentiment":"neutral","sentiment_score":0.2907645595379365},{"text":"Perfect.","start":43.475002,"end":43.955,"sentiment":"positive","sentiment_score":0.5664017200469971},{"text":"So just as usual, calls are always recorded.","start":43.955,"end":46.295002,"sentiment":"neutral","sentiment_score":0.2668067254126072},{"text":"And are you okay to confirm for security your date of birth and address, please?","start":46.675,"end":51.255,"sentiment":"neutral","sentiment_score":0.09112367331981659},{"text":"Perfect.","start":57.81,"end":58.29,"sentiment":"positive","sentiment_score":0.382743775844574}],"sentiment":"neutral","sentiment_score":0.24672300345264375,"num_words":64,"start":29.339998,"end":58.29},{"sentences":[{"text":"Thank you, Kaylee.","start":58.29,"end":59.010002,"sentiment":"positive","sentiment_score":0.5180801550547282},{"text":"And I'm registered with Asic as adviser one two seven three one zero.","start":59.010002,"end":63.03,"sentiment":"neutral","sentiment_score":0.22702171825445616},{"text":"Now I've got your email address here, Kaylee Foster.","start":64.13,"end":67.73,"sentiment":"neutral","sentiment_score":0.11446369687716167},{"text":"So that's your updated email address.","start":67.73,"end":69.41,"sentiment":"neutral","sentiment_score":0.14419040828943253},{"text":"Correct?","start":69.41,"end":69.91,"sentiment":"neutral","sentiment_score":0.12547437846660614}],"sentiment":"neutral","sentiment_score":0.20394727820530534,"num_words":32,"start":58.29,"end":69.91},{"sentences":[{"text":"Yep.","start":71.524994,"end":71.84499,"sentiment":"neutral","sentiment_score":0.1059771478176117},{"text":"So I'll just pop that through to you now.","start":71.84499,"end":73.704994,"sentiment":"neutral","sentiment_score":0.12950587272644043},{"text":"Will you be able to look on any of the documents with me today, or should I just kind of look through what's there?","start":73.84499,"end":78.265,"sentiment":"neutral","sentiment_score":0.07519574308147033},{"text":"Cool.","start":83.47,"end":83.71,"sentiment":"neutral","sentiment_score":0.31745028495788574},{"text":"So I'm gonna send that through now.","start":83.71,"end":85.149994,"sentiment":"neutral","sentiment_score":0.1777887067624501}],"sentiment":"neutral","sentiment_score":0.11043331115728333,"num_words":42,"start":71.524994,"end":85.149994},{"sentences":[{"text":"There's a number of attachments that go along with it and a digital authorization link as well.","start":85.149994,"end":91.09,"sentiment":"neutral","sentiment_score":0.081515479942455},{"text":"It is coming from our new system, so it might go through your spam box or main inbox.","start":92.43,"end":97.009995,"sentiment":"neutral","sentiment_score":-0.11083398221267594},{"text":"So if you can just check both.","start":97.229996,"end":98.85,"sentiment":"neutral","sentiment_score":-0.07450626205120768},{"text":"It's Croatia.","start":102.155,"end":102.815,"sentiment":"neutral","sentiment_score":0.007211103104054928},{"text":"Yep.","start":102.955,"end":103.455,"sentiment":"neutral","sentiment_score":0.06923520565032959}],"sentiment":"neutral","sentiment_score":-0.023269665406809914,"num_words":45,"start":85.149994,"end":103.455},{"sentences":[{"text":"Perfect.","start":104.315,"end":104.795,"sentiment":"positive","sentiment_score":0.4298174381256103},{"text":"So there's PDF attachments at the bottom, and that includes performance reports for both hub accounts as well as your current account policy.","start":104.795,"end":113.855,"sentiment":"neutral","sentiment_score":0.13499518483877182},{"text":"So I'm just gonna go through the details that we have because I'm trying to make sure everything on the new system updates and matches for both of you guys.","start":114.45,"end":123.43,"sentiment":"neutral","sentiment_score":0.07845590064922968},{"text":"And I'm gonna just kind of wait So just bear with me for a moment.","start":124.85,"end":132.135,"sentiment":"neutral","sentiment_score":0.0018069433048367495},{"text":"I'm just gonna run through what we have.","start":132.135,"end":134.47499,"sentiment":"neutral","sentiment_score":0.03617818863131106}],"sentiment":"neutral","sentiment_score":0.08058329048723757,"num_words":77,"start":104.315,"end":134.47499},{"sentences":[{"text":"So we've got you're obviously married to Joe.","start":135.33499,"end":139.515,"sentiment":"neutral","sentiment_score":0.06139262253418565},{"text":"You've got Lila, just the one child at the moment.","start":139.735,"end":142.555,"sentiment":"neutral","sentiment_score":0.06554418094456196},{"text":"Fantastic.","start":144.86,"end":145.36,"sentiment":"positive","sentiment_score":0.6766454577445984},{"text":"And I did see something, I think, in twenty twenty four, twenty five that you were off for about six weeks or so.","start":146.14,"end":154.37999,"sentiment":"neutral","sentiment_score":0.08775589517925096},{"text":"Is that your second shot about two?","start":154.37999,"end":157.425,"sentiment":"neutral","sentiment_score":0.031012358543063914}],"sentiment":"neutral","sentiment_score":0.08283061931403923,"num_words":49,"start":135.33499,"end":157.425},{"sentences":[{"text":"Okay.","start":162.925,"end":163.405,"sentiment":"neutral","sentiment_score":0.028891917318105698},{"text":"And your second daughter's name?","start":163.405,"end":165.345,"sentiment":"neutral","sentiment_score":0.025587862730026244},{"text":"Vienna.","start":167.405,"end":167.88501,"sentiment":"neutral","sentiment_score":0.008478159084916115},{"text":"Is that with a n n a?","start":167.88501,"end":169.505,"sentiment":"neutral","sentiment_score":0.023171464779547284},{"text":"Perfect.","start":171.51,"end":171.98999,"sentiment":"positive","sentiment_score":0.41351157426834106}],"sentiment":"neutral","sentiment_score":0.049401414518555,"num_words":15,"start":162.925,"end":171.98999},{"sentences":[{"text":"Okay.","start":171.98999,"end":172.31,"sentiment":"neutral","sentiment_score":0.134893000125885},{"text":"So quick question on that one is you've got Myla listed as your beneficiary for the super to receive all the superannuation.","start":172.31,"end":179.20999,"sentiment":"neutral","sentiment_score":0.08527622016316111},{"text":"Would you like to update that?","start":179.91,"end":181.605,"sentiment":"neutral","sentiment_score":0.041451048105955124},{"text":"Yep.","start":185.205,"end":185.525,"sentiment":"neutral","sentiment_score":0.07129986584186554},{"text":"So just a fifty fifty split between them.","start":185.525,"end":187.705,"sentiment":"neutral","sentiment_score":0.04745397996157408}],"sentiment":"neutral","sentiment_score":0.07133178520751626,"num_words":38,"start":171.98999,"end":187.705},{"sentences":[{"text":"Perfect.","start":190.245,"end":190.745,"sentiment":"positive","sentiment_score":0.3580934405326843},{"text":"Now just bear in mind, of course, to anyone who's under 18, if you pass away and they receive your super, whoever's kind of their guardian for general or whoever at the time, they'll obviously be looking after the funds on their behalf until they're 18.","start":190.805,"end":206.17,"sentiment":"neutral","sentiment_score":0.04555190733694674},{"text":"Perfect.","start":208.78499,"end":209.265,"sentiment":"positive","sentiment_score":0.5433425307273865},{"text":"We're still in Upper Kumara, so that's great.","start":209.265,"end":211.765,"sentiment":"positive","sentiment_score":0.409836832433939},{"text":"When it comes to the occupation side of it, so you're still with Hexicore, I believe.","start":212.305,"end":217.825,"sentiment":"neutral","sentiment_score":0.08529597544111311}],"sentiment":"neutral","sentiment_score":0.10611463854567976,"num_words":72,"start":190.245,"end":217.825},{"sentences":[{"text":"That's coming through from your contributions.","start":217.825,"end":219.685,"sentiment":"neutral","sentiment_score":0.12217978884776433},{"text":"Yep.","start":219.825,"end":220.325,"sentiment":"neutral","sentiment_score":0.07130809128284454},{"text":"Can you just briefly walk me through I think your income was listed as a $140,000 base.","start":221.0,"end":226.46,"sentiment":"neutral","sentiment_score":0.03940082461956669},{"text":"Okay.","start":228.76001,"end":229.26001,"sentiment":"neutral","sentiment_score":0.03968305140733719},{"text":"Do you have anything above that in terms of bonuses or anything that I need to take into account?","start":229.72,"end":234.54001,"sentiment":"neutral","sentiment_score":-0.0004802097223306957}],"sentiment":"neutral","sentiment_score":0.034199088854207235,"num_words":44,"start":217.825,"end":234.54001},{"sentences":[{"text":"50 k in bonuses.","start":251.13,"end":252.51001,"sentiment":"neutral","sentiment_score":0.02567283296957612},{"text":"Wow.","start":256.17,"end":256.41,"sentiment":"positive","sentiment_score":0.6091697216033936},{"text":"That's amazing.","start":256.41,"end":257.05002,"sentiment":"positive","sentiment_score":0.7779776751995087},{"text":"Almost at the $200,000 mark.","start":257.05002,"end":258.65,"sentiment":"positive","sentiment_score":0.513312691450119},{"text":"You probably will hit that for the year.","start":258.65,"end":260.75,"sentiment":"positive","sentiment_score":0.3900780417025089}],"sentiment":"positive","sentiment_score":0.3977502097375691,"num_words":20,"start":251.13,"end":260.75},{"sentences":[{"text":"Okay.","start":263.525,"end":264.005,"sentiment":"positive","sentiment_score":0.45140692591667175},{"text":"Fantastic.","start":264.005,"end":264.505,"sentiment":"positive","sentiment_score":0.6341147422790527},{"text":"When it comes to income protection, you can cover up to 70% of your income.","start":264.965,"end":270.025,"sentiment":"neutral","sentiment_score":0.14718982726335525},{"text":"Do you want me to just base it on the $140,000 base income?","start":270.16498,"end":274.565,"sentiment":"neutral","sentiment_score":0.042199420814330764},{"text":"Do you want me to try and bump it up a little bit?","start":274.565,"end":276.78,"sentiment":"neutral","sentiment_score":0.038389102197610415}],"sentiment":"neutral","sentiment_score":0.10095395061165788,"num_words":43,"start":263.525,"end":276.78},{"sentences":[{"text":"I think yeah.","start":286.94,"end":287.66,"sentiment":"neutral","sentiment_score":0.0025215589751799903},{"text":"And that's the thing is that I want you being over insured and then you go to claim and you give in your twelve month income and they pay you on a lesser amount than what you've been paying premiums for.","start":287.66,"end":296.91498,"sentiment":"neutral","sentiment_score":0.018860788084566593},{"text":"Yeah.","start":297.13498,"end":297.63498,"sentiment":"neutral","sentiment_score":0.03184680640697479},{"text":"A 100%.","start":305.41998,"end":306.4,"sentiment":"neutral","sentiment_score":0.09494320675730705},{"text":"With your 140 k base, that pretty much gives you a cover amount of 8,166 per month before tax.","start":307.18,"end":314.96,"sentiment":"neutral","sentiment_score":0.11512585847001326}],"sentiment":"neutral","sentiment_score":0.04833305332188805,"num_words":66,"start":286.94,"end":314.96},{"sentences":[{"text":"So call it just under 2,000 a week, you would get after tax.","start":315.5,"end":320.755,"sentiment":"neutral","sentiment_score":0.07553066513859309},{"text":"Would that still be okay for expenses and the luck?","start":320.815,"end":323.635,"sentiment":"neutral","sentiment_score":0.06333171129226685},{"text":"Yeah.","start":333.42,"end":333.92,"sentiment":"neutral","sentiment_score":0.011774443089962006},{"text":"Absolutely.","start":336.14,"end":336.64,"sentiment":"neutral","sentiment_score":0.14760370552539823},{"text":"Now we can choose between different waiting periods and benefit periods.","start":338.46,"end":342.96,"sentiment":"neutral","sentiment_score":0.03525254841555248}],"sentiment":"neutral","sentiment_score":0.060065887247522674,"num_words":36,"start":315.5,"end":342.96},{"sentences":[{"text":"So the standard waiting period is thirty days being out of work, SQL injured.","start":343.26,"end":348.4,"sentiment":"neutral","sentiment_score":-0.017660835491759435},{"text":"You can push that out to sixty or ninety days if you would rather, like, rely on savings and have a more affordable policy.","start":348.645,"end":356.505,"sentiment":"neutral","sentiment_score":0.037856765712300934},{"text":"Do you have a preference either way?","start":356.885,"end":358.825,"sentiment":"neutral","sentiment_score":-0.0041444797867110795},{"text":"Yeah.","start":363.96002,"end":364.44,"sentiment":"neutral","sentiment_score":-0.010855196043848991},{"text":"Thirty, sixty, or ninety are the the.","start":364.44,"end":366.7,"sentiment":"neutral","sentiment_score":-0.024549459772450582}],"sentiment":"neutral","sentiment_score":0.008482979382124712,"num_words":53,"start":343.26,"end":366.7},{"sentences":[{"text":"Yeah.","start":382.93503,"end":383.43503,"sentiment":"neutral","sentiment_score":0.02819257415831089},{"text":"I think if I was to try and give you a bit of a guide, because you're young and pretty much in a white collar occupation, your life and TPD premiums are very, very cheap.","start":384.05502,"end":396.33,"sentiment":"neutral","sentiment_score":0.16093897649220057},{"text":"So it's under a thousand dollars for you to have 1,200,000 of both.","start":396.47,"end":400.33,"sentiment":"neutral","sentiment_score":0.1680046721146657},{"text":"So the standard you would do would be a thirty day wait and a benefit period all the way up to the age of 65.","start":400.47498,"end":407.375,"sentiment":"neutral","sentiment_score":0.13418777510523797},{"text":"That would be ideal.","start":407.675,"end":409.13498,"sentiment":"positive","sentiment_score":0.4099801108241081}],"sentiment":"neutral","sentiment_score":0.16461195268978676,"num_words":78,"start":382.93503,"end":409.13498},{"sentences":[{"text":"Yep.","start":413.77,"end":414.25,"sentiment":"neutral","sentiment_score":0.07990602403879166},{"text":"If there's any issues where I see really high premiums that may impact, like, the group of the growth of your super or anything like that, I'll obviously look to maybe trim it down to two years or five years for short term injury.","start":414.25,"end":425.31,"sentiment":"neutral","sentiment_score":-0.18244292045181448},{"text":"But if it's only gonna be a couple of grand given your contributions, balance, and growth, it's not really gonna have a big impact.","start":426.025,"end":433.245,"sentiment":"negative","sentiment_score":-0.35180957056581974},{"text":"K?","start":435.785,"end":436.185,"sentiment":"neutral","sentiment_score":0.029409172013401985},{"text":"Now you do have the option to actually pay for income protection out of pocket and get a full tax deduction for it or pay it through the super, and you only get a 15% rebate unless you salary sacrifice the premiums.","start":436.185,"end":449.69,"sentiment":"neutral","sentiment_score":0.09241820188860099}],"sentiment":"neutral","sentiment_score":-0.11142891534005425,"num_words":112,"start":413.77,"end":449.69},{"sentences":[{"text":"Did you want me to look at an out of pocket policy or just put it through the super?","start":450.31,"end":454.33,"sentiment":"neutral","sentiment_score":-0.01695675285238969},{"text":"Yep.","start":460.985,"end":461.485,"sentiment":"neutral","sentiment_score":0.09010031819343568},{"text":"Now they'll be pretty much identical policies anyway.","start":461.625,"end":464.365,"sentiment":"neutral","sentiment_score":0.09008556324988604},{"text":"It is just a little bit easier to claim on out of pocket, but most of the insurers have built in benefits to kind of work through definitions out of super anyway.","start":464.66498,"end":475.0,"sentiment":"neutral","sentiment_score":0.014305298798717558},{"text":"I'll do up a quote for both.","start":475.53998,"end":477.0,"sentiment":"neutral","sentiment_score":0.08215406856366567}],"sentiment":"neutral","sentiment_score":0.022708277037339426,"num_words":67,"start":450.31,"end":477.0},{"sentences":[{"text":"K.","start":479.62,"end":480.12,"sentiment":"neutral","sentiment_score":0.02327420935034752},{"text":"Duties wise, so are you still essentially in, like, a sales role?","start":480.755,"end":484.695,"sentiment":"neutral","sentiment_score":0.01757764955982566},{"text":"Like, BDM type, you're always kind of on the road meeting clients.","start":489.795,"end":493.89502,"sentiment":"neutral","sentiment_score":0.08393190956364076},{"text":"Yep.","start":494.11502,"end":494.61502,"sentiment":"neutral","sentiment_score":0.05788722634315491},{"text":"Perfect.","start":516.675,"end":517.155,"sentiment":"positive","sentiment_score":0.4289171695709229}],"sentiment":"neutral","sentiment_score":0.06400715980540823,"num_words":27,"start":479.62,"end":517.155},{"sentences":[{"text":"And do you work five days, or is it just before from home?","start":517.155,"end":520.375,"sentiment":"neutral","sentiment_score":0.08506784416162051},{"text":"Amazing.","start":523.49,"end":523.97,"sentiment":"positive","sentiment_score":0.41605767607688904},{"text":"Okay.","start":523.97,"end":524.20996,"sentiment":"neutral","sentiment_score":0.2551438510417938},{"text":"That'll make it pretty good.","start":524.20996,"end":525.58997,"sentiment":"positive","sentiment_score":0.4391720354557037},{"text":"Now I know that there's probably not too much in the way of qualifications that would match for your role, But did you have to put in did you have to get any kind of degrees or specific qualifications for your role?","start":527.41,"end":539.785,"sentiment":"neutral","sentiment_score":-0.00006475610037644696}],"sentiment":"neutral","sentiment_score":0.06403586971423318,"num_words":62,"start":517.155,"end":539.785},{"sentences":[{"text":"That's it.","start":542.805,"end":543.70496,"sentiment":"neutral","sentiment_score":-0.051634203642606735},{"text":"Be a good talker.","start":543.845,"end":544.82495,"sentiment":"neutral","sentiment_score":0.08496986329555511},{"text":"Do you have any staff under you in terms of managing staff?","start":546.165,"end":550.19,"sentiment":"neutral","sentiment_score":-0.010867308980474869},{"text":"Perfect.","start":552.33,"end":552.83,"sentiment":"neutral","sentiment_score":0.03855691850185394},{"text":"Alright.","start":552.97003,"end":553.47003,"sentiment":"neutral","sentiment_score":0.054898329079151154}],"sentiment":"neutral","sentiment_score":0.009982929285615682,"num_words":20,"start":542.805,"end":553.47003},{"sentences":[{"text":"So based on that being kind of office space, so to speak, and a 140,000, you're probably looking at a double a occupation rating, which is the second best outside of, like, a lawyer.","start":553.93,"end":566.445,"sentiment":"neutral","sentiment_score":0.09319732403930496},{"text":"So that should be quite quite affordable.","start":566.825,"end":569.085,"sentiment":"neutral","sentiment_score":0.29466246494225096},{"text":"Now I'm gonna do a quote through Tal just to add income protection on.","start":571.225,"end":575.76,"sentiment":"neutral","sentiment_score":0.16127966237919672},{"text":"Obviously, you will go through that underwriting check for occupation and medical.","start":575.92,"end":581.7,"sentiment":"neutral","sentiment_score":0.11513317314287026},{"text":"Did you want me to look at if there's any other providers to offer all three at, like, a cheaper price, or you're happy just to kind of add on the one policy and just go with TAO still?","start":582.08,"end":591.735,"sentiment":"neutral","sentiment_score":0.11953342228363721}],"sentiment":"neutral","sentiment_score":0.12766663294355823,"num_words":106,"start":553.93,"end":591.735},{"sentences":[{"text":"Yep.","start":599.495,"end":599.995,"sentiment":"neutral","sentiment_score":0.09766313433647156},{"text":"Now one thing I'm just having a look at with your current policy through Tout is I mentioned before and you had that in place.","start":601.415,"end":612.89,"sentiment":"neutral","sentiment_score":0.05495132833719254},{"text":"I'm just trying to look.","start":612.89,"end":614.08997,"sentiment":"neutral","sentiment_score":0.046644747257232666},{"text":"Your commencement date was 2021.","start":614.08997,"end":616.58997,"sentiment":"neutral","sentiment_score":0.05206690207123756},{"text":"So I'm just wondering if you've had any health concerns between October 2020 one till now.","start":616.73,"end":623.955,"sentiment":"neutral","sentiment_score":0.012365925125777721}],"sentiment":"neutral","sentiment_score":0.041593449835020765,"num_words":52,"start":599.495,"end":623.955},{"sentences":[{"text":"Perfect.","start":626.655,"end":627.155,"sentiment":"neutral","sentiment_score":0.2836436629295349},{"text":"So we'll pretty much try to prefill 90 of an application using what was used for your previous life application.","start":627.29504,"end":635.155,"sentiment":"neutral","sentiment_score":0.11843092814087867},{"text":"And if that's all good for you, we can just give that sensational.","start":635.8,"end":648.14,"sentiment":"neutral","sentiment_score":0.14594766984765345},{"text":"So that's nice and easy.","start":648.795,"end":650.175,"sentiment":"positive","sentiment_score":0.5244933724403381},{"text":"What about with the cover amounts for the life and CBD?","start":650.39496,"end":653.27496,"sentiment":"neutral","sentiment_score":0.030058401721444996}],"sentiment":"neutral","sentiment_score":0.15005382429808378,"num_words":50,"start":626.655,"end":653.27496},{"sentences":[{"text":"I know you've still got, well, previously, well over 1,000,000 worth of debt in terms of the home and the investment property.","start":653.27496,"end":660.555,"sentiment":"neutral","sentiment_score":-0.026181170081889086},{"text":"Is that still the case?","start":660.555,"end":661.695,"sentiment":"neutral","sentiment_score":-0.032294634357094766},{"text":"So I think we had about 750,000 owing on the home, $6.40 owing on the investment property approximately.","start":672.57,"end":680.055,"sentiment":"neutral","sentiment_score":-0.052033544414573245},{"text":"Thank you.","start":696.18,"end":696.83997,"sentiment":"neutral","sentiment_score":-0.04965490102767944},{"text":"Away is the one.","start":708.27496,"end":709.33496,"sentiment":"neutral","sentiment_score":-0.23689475655555725}],"sentiment":"neutral","sentiment_score":-0.05335199100641059,"num_words":51,"start":653.27496,"end":709.33496},{"sentences":[{"text":"Oh, no.","start":719.64,"end":726.1475,"sentiment":"neutral","sentiment_score":-0.22670299559831622},{"text":"Yeah.","start":756.24,"end":756.74,"sentiment":"neutral","sentiment_score":-0.0848512202501297},{"text":"I think the only two that I found that are good is, like, Commonwealth and NAB have some pretty decent apps, but most banks are pretty terrible for it.","start":756.8,"end":765.035,"sentiment":"neutral","sentiment_score":-0.16897316482560387},{"text":"Combined for all all loans.","start":775.83,"end":777.93,"sentiment":"neutral","sentiment_score":-0.02952134907245636},{"text":"Yep.","start":779.91003,"end":780.41003,"sentiment":"neutral","sentiment_score":0.03984377533197403}],"sentiment":"neutral","sentiment_score":-0.1459537358268311,"num_words":38,"start":719.64,"end":780.41003},{"sentences":[{"text":"Perfect.","start":780.79004,"end":781.29004,"sentiment":"neutral","sentiment_score":0.13184617459774017},{"text":"You've never gone through, like, a bankruptcy or a debt agreement before, have you?","start":782.23004,"end":785.625,"sentiment":"neutral","sentiment_score":-0.0063944533467292786},{"text":"Perfect.","start":788.185,"end":788.685,"sentiment":"neutral","sentiment_score":0.02937624230980873},{"text":"Do you want me to do any alteration for that cover amount for the 1.2 mil?","start":791.385,"end":795.465,"sentiment":"neutral","sentiment_score":-0.00392856088001281},{"text":"Do you think because that obviously covers your your main residence mortgage pretty solid, leaves you another half a mil plus super on top.","start":795.465,"end":804.22003,"sentiment":"neutral","sentiment_score":0.02372026559896767}],"sentiment":"neutral","sentiment_score":0.010323740541934967,"num_words":56,"start":780.79004,"end":804.22003},{"sentences":[{"text":"And if you're temporarily out of work for a long period of time, income protection can kick in as well.","start":804.28,"end":810.94,"sentiment":"neutral","sentiment_score":-0.1532047713175416},{"text":"Yeah.","start":816.795,"end":817.195,"sentiment":"neutral","sentiment_score":0.06919796764850616},{"text":"Because it's kind of matching, like, you haven't had a significant drop in liabilities.","start":817.195,"end":821.455,"sentiment":"neutral","sentiment_score":0.011278016093586172},{"text":"Normally, if you're getting into your forties and the policy starts getting up to 3 or $4, we'd probably trim it down as you pay down the debts.","start":821.595,"end":829.84,"sentiment":"neutral","sentiment_score":0.013916355504729186},{"text":"But if that's still pretty stable, I would probably keep it around the same.","start":829.98,"end":833.6,"sentiment":"neutral","sentiment_score":0.11180699590061392}],"sentiment":"neutral","sentiment_score":-0.01145518619027412,"num_words":77,"start":804.28,"end":833.6},{"sentences":[{"text":"Yep.","start":836.14,"end":836.64,"sentiment":"neutral","sentiment_score":0.10222218930721284},{"text":"We've got just the other assets.","start":837.58,"end":839.42,"sentiment":"neutral","sentiment_score":0.05018812914689382},{"text":"I think you had a car there with about the GLC.","start":839.42,"end":842.64496,"sentiment":"neutral","sentiment_score":0.03375448337332769},{"text":"I think you got 68,000 on the car loan.","start":843.02496,"end":845.605,"sentiment":"neutral","sentiment_score":0.03271559439599514},{"text":"Yep.","start":853.345,"end":853.82495,"sentiment":"neutral","sentiment_score":0.14151552319526672}],"sentiment":"neutral","sentiment_score":0.04323593407337155,"num_words":28,"start":836.14,"end":853.82495},{"sentences":[{"text":"Perfect.","start":853.82495,"end":854.32495,"sentiment":"neutral","sentiment_score":0.32694414258003235},{"text":"And I think the other asset was solar and then your investment account.","start":855.16,"end":859.0,"sentiment":"neutral","sentiment_score":0.12858361980089775},{"text":"There's no other scans or crypto or anything floating around as they can.","start":859.0,"end":863.42,"sentiment":"neutral","sentiment_score":0.019314180916318528},{"text":"Perfect.","start":874.375,"end":874.875,"sentiment":"neutral","sentiment_score":0.21876253187656405},{"text":"Alrighty.","start":874.935,"end":875.435,"sentiment":"neutral","sentiment_score":0.15696364641189575}],"sentiment":"neutral","sentiment_score":0.09052902517904496,"num_words":29,"start":853.82495,"end":875.435},{"sentences":[{"text":"So that's pretty much all the details up to date there.","start":875.815,"end":879.03503,"sentiment":"neutral","sentiment_score":0.1530226618051529},{"text":"I've got a pretty solid idea about what to do with the income protection.","start":879.6,"end":882.74,"sentiment":"neutral","sentiment_score":0.15717670427901403},{"text":"I do have to ask the question if you wanted me to get you a quote for trauma insurance, which is kind of like a it's called trauma, and it's like a a small lump sum if you have, like, a heart attack, stroke, or cancer to pay for, like, medical bills or your partner taking time off work, but nothing that is causing death or permanent disability.","start":883.2,"end":906.915,"sentiment":"neutral","sentiment_score":-0.01916283875813379},{"text":"Yep.","start":912.44995,"end":912.76996,"sentiment":"neutral","sentiment_score":0.06762684136629105},{"text":"That's totally fine.","start":912.76996,"end":913.99,"sentiment":"neutral","sentiment_score":0.24084640542666116}],"sentiment":"neutral","sentiment_score":0.03475068208099026,"num_words":97,"start":875.815,"end":913.99},{"sentences":[{"text":"Can I just ask, cash flow wise, how are you guys going with your I know you're doing some equity release and renovations and so on?","start":914.29,"end":921.795,"sentiment":"neutral","sentiment_score":0.060805184193528615},{"text":"Are you guys still able to put aside a decent amount into, like, surplus cash flow, would you say?","start":921.795,"end":927.825,"sentiment":"neutral","sentiment_score":0.08935668966487835},{"text":"Yes.","start":951.635,"end":952.135,"sentiment":"neutral","sentiment_score":0.07215921580791473},{"text":"Yeah.","start":961.235,"end":961.735,"sentiment":"neutral","sentiment_score":0.012596317566931248},{"text":"It's crazy, isn't it?","start":972.38,"end":973.92,"sentiment":"neutral","sentiment_score":-0.1244315542280674}],"sentiment":"neutral","sentiment_score":0.05619100410052959,"num_words":51,"start":914.29,"end":973.92},{"sentences":[{"text":"I've got the same thing with the six and three year old.","start":980.065,"end":982.465,"sentiment":"neutral","sentiment_score":-0.19540623078743616},{"text":"It's crazy.","start":982.465,"end":983.205,"sentiment":"neutral","sentiment_score":-0.30184152722358704},{"text":"Yep.","start":1013.975,"end":1014.475,"sentiment":"neutral","sentiment_score":0.18591539561748505},{"text":"Yep.","start":1014.535,"end":1014.855,"sentiment":"neutral","sentiment_score":0.2855253219604492},{"text":"Amazing.","start":1014.855,"end":1015.335,"sentiment":"positive","sentiment_score":0.5670011639595032}],"sentiment":"neutral","sentiment_score":-0.11235976131523356,"num_words":17,"start":980.065,"end":1015.335},{"sentences":[{"text":"So everything is going into offset.","start":1015.335,"end":1016.775,"sentiment":"positive","sentiment_score":0.45497242112954456},{"text":"That's obviously building up equity in there.","start":1016.775,"end":1019.035,"sentiment":"positive","sentiment_score":0.39083689025470186},{"text":"Are you looking to kind of invest that for more properties down the line or just get the debt down?","start":1019.18,"end":1023.92,"sentiment":"neutral","sentiment_score":0.11299134530127049},{"text":"Yeah.","start":1055.63,"end":1056.13,"sentiment":"neutral","sentiment_score":-0.10594265162944794},{"text":"Yeah.","start":1065.005,"end":1065.405,"sentiment":"neutral","sentiment_score":0.039287179708480835}],"sentiment":"neutral","sentiment_score":0.21882469121898923,"num_words":35,"start":1015.335,"end":1065.405},{"sentences":[{"text":"When interest rates were almost zero, it was really easy to get positively geared properties.","start":1065.405,"end":1069.885,"sentiment":"neutral","sentiment_score":0.07584880342086156},{"text":"But now that it's gone up, most of them are just it's hard to even break even.","start":1069.885,"end":1074.8,"sentiment":"neutral","sentiment_score":-0.1178397713776897},{"text":"Have you considered going I was just gonna say anything kind of outside of the area.","start":1075.8201,"end":1083.1001,"sentiment":"neutral","sentiment_score":0.010491988970898092},{"text":"Have you considered rural or commercial or anything like that, or you would just Yeah.","start":1083.1001,"end":1101.6,"sentiment":"neutral","sentiment_score":-0.009220887099703153},{"text":"Yep.","start":1128.02,"end":1128.52,"sentiment":"neutral","sentiment_score":-0.14954137802124023}],"sentiment":"neutral","sentiment_score":-0.01539885817328468,"num_words":64,"start":1065.405,"end":1128.52},{"sentences":[{"text":"Yep.","start":1139.475,"end":1139.975,"sentiment":"neutral","sentiment_score":-0.11584335565567017},{"text":"Yeah.","start":1150.8401,"end":1151.24,"sentiment":"neutral","sentiment_score":-0.10908956825733183},{"text":"Between the mines, the insurances and rights.","start":1151.24,"end":1154.06,"sentiment":"neutral","sentiment_score":-0.1785211626972471},{"text":"Yeah.","start":1154.36,"end":1154.86,"sentiment":"neutral","sentiment_score":-0.0813981294631958},{"text":"Yep.","start":1176.81,"end":1177.31,"sentiment":"neutral","sentiment_score":0.034586843103170395}],"sentiment":"neutral","sentiment_score":-0.13830839537761427,"num_words":11,"start":1139.475,"end":1177.31},{"sentences":[{"text":"Perfect.","start":1186.41,"end":1186.91,"sentiment":"positive","sentiment_score":0.4856925010681152},{"text":"So bit of patience will hopefully pay off there.","start":1187.13,"end":1190.27,"sentiment":"positive","sentiment_score":0.394761903418435},{"text":"When it comes to your investment account, because we have a bit of a pause on cash flow, are you okay for me just to kind of let that sit and kind of just do its thing growing?","start":1190.9451,"end":1202.9451,"sentiment":"neutral","sentiment_score":0.023779915400633688},{"text":"I I think it's just over $10 after the last withdrawal.","start":1202.9451,"end":1205.765,"sentiment":"neutral","sentiment_score":-0.0108029054985805},{"text":"Yep.","start":1212.91,"end":1213.23,"sentiment":"neutral","sentiment_score":0.07233699411153793}],"sentiment":"neutral","sentiment_score":0.08159485751142105,"num_words":60,"start":1186.41,"end":1213.23},{"sentences":[{"text":"So just because the balance is kind of low, I haven't included the investment account in any service agreements or fees.","start":1213.23,"end":1220.53,"sentiment":"neutral","sentiment_score":0.023867351313432057},{"text":"I'd rather just wait for that to be kind of active again.","start":1221.165,"end":1224.8651,"sentiment":"neutral","sentiment_score":-0.003731990233063698},{"text":"So for the time being, it's had a pretty phenomenal return of, like, 23 percent.","start":1224.925,"end":1230.145,"sentiment":"neutral","sentiment_score":0.27649428670605025},{"text":"So it can just kind of bounce around in the background until it becomes more active.","start":1230.2051,"end":1234.8651,"sentiment":"neutral","sentiment_score":0.19944503623992205},{"text":"Cool.","start":1238.5,"end":1239.0,"sentiment":"neutral","sentiment_score":0.15815576910972595}],"sentiment":"neutral","sentiment_score":0.12235570991268525,"num_words":65,"start":1213.23,"end":1239.0},{"sentences":[{"text":"I wouldn't really change anything in terms of the investments in there because it's doing its thing.","start":1239.0599,"end":1243.08,"sentiment":"neutral","sentiment_score":0.06604846720309819},{"text":"So if you're comfortable with that, I can kind of just put a bit of a hold on it, let it invest, and just put a flag in for the team.","start":1243.2999,"end":1250.44,"sentiment":"neutral","sentiment_score":0.12584089079210836},{"text":"Amazing.","start":1254.395,"end":1254.895,"sentiment":"positive","sentiment_score":0.4376573860645294},{"text":"Actually, last couple of things.","start":1255.9149,"end":1257.855,"sentiment":"neutral","sentiment_score":0.10475149005651474},{"text":"So when it comes to estate planning, did you guys end up putting a will in place?","start":1257.9149,"end":1261.775,"sentiment":"neutral","sentiment_score":0.042948834707631785}],"sentiment":"neutral","sentiment_score":0.09458361385049115,"num_words":71,"start":1239.0599,"end":1261.775},{"sentences":[{"text":"Yes.","start":1264.33,"end":1264.65,"sentiment":"neutral","sentiment_score":0.04327329993247986},{"text":"Do you remember if you put in place a power of attorney as well for, you know, if you can't act on your own behalf?","start":1264.65,"end":1270.19,"sentiment":"neutral","sentiment_score":0.023484514504671098},{"text":"Yep.","start":1280.905,"end":1281.405,"sentiment":"neutral","sentiment_score":0.030686503276228905},{"text":"Yeah.","start":1296.7899,"end":1297.2899,"sentiment":"neutral","sentiment_score":-0.1457701027393341},{"text":"That's okay.","start":1304.005,"end":1304.565,"sentiment":"neutral","sentiment_score":0.03194890171289444}],"sentiment":"neutral","sentiment_score":0.019306678883731367,"num_words":30,"start":1264.33,"end":1304.565},{"sentences":[{"text":"I'll put unknown for the power of attorney, and that's just more for, like, if you're still here and you're in the hospital, it makes it easier for Joe to kind of access a different bank account or talk to the doctors and things like that, which they're pretty good for with spouses.","start":1304.565,"end":1318.745,"sentiment":"neutral","sentiment_score":0.07004717487912134},{"text":"It's just really if anything requires you to go to court for probate, there's a delay.","start":1319.4,"end":1323.74,"sentiment":"neutral","sentiment_score":-0.16826284490525723},{"text":"As long as you guys have joint bank accounts, you're not really Cool.","start":1323.88,"end":1331.8351,"sentiment":"neutral","sentiment_score":-0.05370982765005185},{"text":"And the last thing was just with the superannuation.","start":1332.2151,"end":1334.4751,"sentiment":"neutral","sentiment_score":0.08993019122216436},{"text":"Do you usually log in and keep an eye on the hub every now and then?","start":1334.775,"end":1337.995,"sentiment":"neutral","sentiment_score":0.06497360020875931}],"sentiment":"neutral","sentiment_score":0.02028987210278756,"num_words":107,"start":1304.565,"end":1337.995},{"sentences":[{"text":"Yep.","start":1340.375,"end":1340.6951,"sentiment":"neutral","sentiment_score":0.14089827239513397},{"text":"We've had a bit of a a rickety rickety few months recently.","start":1340.6951,"end":1344.0751,"sentiment":"neutral","sentiment_score":-0.07296160515397787},{"text":"Your contributions have really gotten your account still rolling pretty well.","start":1345.2201,"end":1349.24,"sentiment":"positive","sentiment_score":0.4431846629489552},{"text":"So I think from 87,000 up to a 100 and 10.","start":1349.3,"end":1352.52,"sentiment":"neutral","sentiment_score":0.12104637954722751},{"text":"It's only had about a 5% return.","start":1353.62,"end":1355.64,"sentiment":"neutral","sentiment_score":-0.06962224521807261}],"sentiment":"neutral","sentiment_score":0.11867963717806906,"num_words":42,"start":1340.375,"end":1355.64},{"sentences":[{"text":"Most progressive options have been pretty negative lately.","start":1355.86,"end":1359.0651,"sentiment":"negative","sentiment_score":-0.35745247080922127},{"text":"So I just wanted to kind of flag with you that it's still in the positive for the year, but it's kind of been a bit of a holding pattern with what's going on with the markets at the moment.","start":1359.285,"end":1368.025,"sentiment":"neutral","sentiment_score":-0.06236472371965647},{"text":"Now because you guys have that goal to kind of have the financial freedom to retire as early as possible towards age 60, that's kind of why you're in a high growth portfolio, pretty much all of this super in growth assets, shares, property, and so on.","start":1371.3,"end":1387.165,"sentiment":"neutral","sentiment_score":0.2938318731302911},{"text":"Are you still comfortable with that idea of just going through as much as possible while you're young?","start":1387.545,"end":1391.805,"sentiment":"neutral","sentiment_score":0.19855998249517548},{"text":"Yeah.","start":1395.625,"end":1395.9451,"sentiment":"neutral","sentiment_score":-0.0026498890947550535}],"sentiment":"neutral","sentiment_score":0.10550279927791276,"num_words":114,"start":1355.86,"end":1395.9451},{"sentences":[{"text":"It's just gonna be that thing where we use a lot of buzzwords in the industry like volatility.","start":1395.9451,"end":1400.2101,"sentiment":"neutral","sentiment_score":-0.03168063352091445},{"text":"And what that basically means is when the market's doing it what it's currently doing, higher highs and lower lows in shorter periods of time.","start":1400.91,"end":1408.8501,"sentiment":"neutral","sentiment_score":-0.036979463770985606},{"text":"So whereas you might have to wait twelve months to get up $20, that may be going up and down 10 or $20 in a period of three months now.","start":1409.2301,"end":1418.165,"sentiment":"neutral","sentiment_score":-0.11404371100167433},{"text":"Yeah.","start":1421.185,"end":1421.5851,"sentiment":"neutral","sentiment_score":0.014259856194257736},{"text":"So it averages out over, like, a long period.","start":1421.5851,"end":1424.95,"sentiment":"neutral","sentiment_score":0.004218324604961608}],"sentiment":"neutral","sentiment_score":-0.05860029578388455,"num_words":83,"start":1395.9451,"end":1424.95},{"sentences":[{"text":"Like, it averages out over the decade once you go through a normal market cycle.","start":1424.95,"end":1428.5499,"sentiment":"neutral","sentiment_score":0.009876655042171478},{"text":"Like, this thing happens every time there's a financial crisis, a COVID, a war.","start":1428.5499,"end":1433.2899,"sentiment":"neutral","sentiment_score":-0.077061995065638},{"text":"But I just wanna double check that you're okay with that kind of roller coaster ride until you're closer to retirement.","start":1433.6699,"end":1439.9451,"sentiment":"neutral","sentiment_score":0.022193665006419734},{"text":"Yep.","start":1450.18,"end":1450.68,"sentiment":"neutral","sentiment_score":0.08036515861749649},{"text":"So, basically, grow it as much as we can.","start":1451.14,"end":1452.9,"sentiment":"neutral","sentiment_score":0.1786147372590171}],"sentiment":"neutral","sentiment_score":0.02038744422995175,"num_words":60,"start":1424.95,"end":1452.9},{"sentences":[{"text":"Once you do have the million dollars or whatever the figure is, we can then protect it in those last ten years and and gradually reduce the risk.","start":1452.9,"end":1460.2001,"sentiment":"neutral","sentiment_score":0.13350297723497664},{"text":"One thing I will do, though, is I'm having a look at the investment options, and that's on one of the reports in that email pack I sent you.","start":1461.38,"end":1469.755,"sentiment":"neutral","sentiment_score":0.11188011308168543},{"text":"We've got there's about eight or nine options there.","start":1471.095,"end":1474.2949,"sentiment":"neutral","sentiment_score":0.17195933312177658},{"text":"Most of them have done pretty fantastic.","start":1474.2949,"end":1476.075,"sentiment":"positive","sentiment_score":0.569746903010777},{"text":"Like, you're in battery tech and lithium, which is electric vehicles, and that's about a 114%, something ridiculous like that.","start":1476.215,"end":1483.75,"sentiment":"neutral","sentiment_score":0.18496716506779193}],"sentiment":"neutral","sentiment_score":0.1743850780911343,"num_words":93,"start":1452.9,"end":1483.75},{"sentences":[{"text":"Most of the shares are pretty good.","start":1486.53,"end":1487.9701,"sentiment":"positive","sentiment_score":0.4784486932413919},{"text":"One of them in particular, though, I'm concerned about is your Australian shares in Venmo.","start":1487.9701,"end":1492.9501,"sentiment":"neutral","sentiment_score":-0.06326079790790876},{"text":"That dropped significantly compared to the Australian share market and other Australian share option.","start":1493.665,"end":1501.125,"sentiment":"negative","sentiment_score":-0.33364871250731604},{"text":"So just for a bit of an engine tune up, I kind of wanna get a bit of a replacement option for that one.","start":1501.665,"end":1507.29,"sentiment":"neutral","sentiment_score":-0.06404681922867894},{"text":"And I think if we're gonna do, like, the income protection, I'll send you, like, an updated statement of advice with the insurance recommendation in there.","start":1509.93,"end":1518.89,"sentiment":"neutral","sentiment_score":0.11071392320669614}],"sentiment":"neutral","sentiment_score":-0.010807148245877998,"num_words":86,"start":1486.53,"end":1518.89},{"sentences":[{"text":"And then I would just like to replace that one option in the super and maybe mix in a bit of, like, gold in there, bit of alternative just to diversify you a little bit.","start":1518.89,"end":1528.325,"sentiment":"neutral","sentiment_score":0.10025088308112962},{"text":"Is that okay?","start":1528.325,"end":1529.065,"sentiment":"neutral","sentiment_score":0.11212034275134404},{"text":"Perfect.","start":1533.125,"end":1533.625,"sentiment":"neutral","sentiment_score":0.2285691797733307},{"text":"Hey.","start":1536.9299,"end":1537.1699,"sentiment":"neutral","sentiment_score":0.05782046541571617},{"text":"Look.","start":1537.1699,"end":1537.4099,"sentiment":"neutral","sentiment_score":0.05351856350898743}],"sentiment":"neutral","sentiment_score":0.10207439377540495,"num_words":41,"start":1518.89,"end":1537.4099},{"sentences":[{"text":"It's a it's a gradual thing.","start":1537.4099,"end":1538.61,"sentiment":"neutral","sentiment_score":0.04747444701691469},{"text":"I wouldn't expect anyone after, you know, one or two conversations to really get it, and you do pay us for a reason.","start":1538.61,"end":1544.23,"sentiment":"neutral","sentiment_score":-0.015435827086153238},{"text":"But as long as you kind of know what I'm doing and what.","start":1544.37,"end":1547.35,"sentiment":"neutral","sentiment_score":-0.025724983845765773},{"text":"Yeah.","start":1550.625,"end":1551.125,"sentiment":"neutral","sentiment_score":0.1606331318616867},{"text":"Perfect.","start":1555.105,"end":1555.605,"sentiment":"positive","sentiment_score":0.5587025880813599}],"sentiment":"neutral","sentiment_score":0.007153036115183072,"num_words":44,"start":1537.4099,"end":1555.605},{"sentences":[{"text":"So I'll mix all those two in together over the next couple of weeks.","start":1555.985,"end":1558.945,"sentiment":"neutral","sentiment_score":0.28780660778284073},{"text":"I'm actually going on maternity leave in June for my third.","start":1558.945,"end":1562.705,"sentiment":"neutral","sentiment_score":0.16991312666372818},{"text":"I have a daughter on the way.","start":1562.705,"end":1564.245,"sentiment":"neutral","sentiment_score":0.17341758736542293},{"text":"So, yeah, family leave.","start":1564.29,"end":1569.03,"sentiment":"neutral","sentiment_score":0.14750432968139648},{"text":"So I'll try and get you guys in before I go in the first two weeks of June.","start":1571.73,"end":1577.3301,"sentiment":"neutral","sentiment_score":0.13131638823284042}],"sentiment":"neutral","sentiment_score":0.18640689482843434,"num_words":54,"start":1555.985,"end":1577.3301},{"sentences":[{"text":"So towards the end of the month, if that's okay, I'd like to just run you through that policy and the updates.","start":1577.3301,"end":1583.375,"sentiment":"neutral","sentiment_score":0.12713183530352332},{"text":"Cool.","start":1586.875,"end":1587.375,"sentiment":"positive","sentiment_score":0.42023688554763794},{"text":"Everything's going really well with the super.","start":1587.675,"end":1589.435,"sentiment":"positive","sentiment_score":0.5812029668263027},{"text":"I don't really see too much of a reason to try and, you know, pump any cash flow or contributions in there because you've got really good contributions and long term growth.","start":1589.435,"end":1598.45,"sentiment":"neutral","sentiment_score":0.26793326856568456},{"text":"You've got your cash flow priorities while you still have Vienna and Kindy and obviously building up towards those out of super investments.","start":1598.6699,"end":1606.855,"sentiment":"neutral","sentiment_score":0.24691245996433756}],"sentiment":"neutral","sentiment_score":0.25339304945048163,"num_words":85,"start":1577.3301,"end":1606.855},{"sentences":[{"text":"So are you okay just to kind of let the employer contributions do their thing as well?","start":1606.9149,"end":1611.815,"sentiment":"neutral","sentiment_score":0.14428539420751965},{"text":"Fantastic.","start":1614.995,"end":1615.495,"sentiment":"positive","sentiment_score":0.5429452061653137},{"text":"I have thrown quite a bit more information at you than I would normally in a review, But do you have any questions so far?","start":1616.355,"end":1622.5499,"sentiment":"neutral","sentiment_score":0.23116328284144402},{"text":"Cool.","start":1625.97,"end":1626.47,"sentiment":"neutral","sentiment_score":0.10402941703796388},{"text":"Now with that pack that I've sent you, that's obviously got the certificate of the policy, performance reports, updated service guide with us, or licensing information and so on.","start":1627.09,"end":1637.585,"sentiment":"neutral","sentiment_score":0.10730693489313126}],"sentiment":"neutral","sentiment_score":0.164257664488603,"num_words":73,"start":1606.9149,"end":1637.585},{"sentences":[{"text":"There's also your ongoing service agreement in there as well.","start":1637.585,"end":1641.0449,"sentiment":"neutral","sentiment_score":0.08336547538638114},{"text":"So you guys are still on that partner discount rate of 1.1% for the super only.","start":1641.4249,"end":1647.905,"sentiment":"neutral","sentiment_score":0.07550701079890132},{"text":"Like I said, I've excluded the investment portfolio.","start":1647.905,"end":1651.4401,"sentiment":"neutral","sentiment_score":0.02470566309057176},{"text":"Are you still comfortable for us to look after your super cater?","start":1651.98,"end":1655.12,"sentiment":"neutral","sentiment_score":0.056379570004840694},{"text":"Perfect.","start":1658.62,"end":1659.12,"sentiment":"positive","sentiment_score":0.5035071969032288}],"sentiment":"neutral","sentiment_score":0.07275477166664093,"num_words":47,"start":1637.585,"end":1659.12},{"sentences":[{"text":"With that new Odoo sign system that we're using, it's pretty similar to DocuSign.","start":1660.14,"end":1665.04,"sentiment":"neutral","sentiment_score":0.2655519481216158},{"text":"If you can try and draw the signature on there, it's usually better than the stamp it automatically puts.","start":1666.0751,"end":1672.655,"sentiment":"neutral","sentiment_score":0.25966010203486994},{"text":"And I think if you actually, like, click on the signature box, it'll let you actually do a drawing on there.","start":1673.3551,"end":1679.34,"sentiment":"neutral","sentiment_score":0.15838053609643662},{"text":"If not, it's not gonna cause any issues with Hub.","start":1679.58,"end":1682.0599,"sentiment":"neutral","sentiment_score":0.0571513157337904},{"text":"They're pretty good with it.","start":1682.0599,"end":1683.36,"sentiment":"positive","sentiment_score":0.46859064102172854}],"sentiment":"neutral","sentiment_score":0.2158221280121285,"num_words":69,"start":1660.14,"end":1683.36},{"sentences":[{"text":"But if you have any issues, just give the team a call.","start":1683.6599,"end":1687.12,"sentiment":"neutral","sentiment_score":0.09141560023029645},{"text":"Yeah.","start":1700.315,"end":1700.5549,"sentiment":"neutral","sentiment_score":0.009986293502151966},{"text":"It stamps your name.","start":1700.5549,"end":1702.575,"sentiment":"neutral","sentiment_score":0.007728321477770805},{"text":"Yeah.","start":1704.17,"end":1704.41,"sentiment":"neutral","sentiment_score":-0.015142790973186491},{"text":"It never looks right, but it's it's close enough to the license, I guess.","start":1704.41,"end":1708.43,"sentiment":"neutral","sentiment_score":-0.04814768343099526}],"sentiment":"neutral","sentiment_score":0.014021138224052265,"num_words":32,"start":1683.6599,"end":1708.43},{"sentences":[{"text":"Alright.","start":1719.155,"end":1719.635,"sentiment":"neutral","sentiment_score":0.2290927767753601},{"text":"I'll give a little refresh there.","start":1719.635,"end":1721.475,"sentiment":"neutral","sentiment_score":0.15288458640376726},{"text":"Yep.","start":1721.475,"end":1721.715,"sentiment":"neutral","sentiment_score":0.26379936933517456},{"text":"That's all good.","start":1721.715,"end":1722.515,"sentiment":"positive","sentiment_score":0.43660053610801697},{"text":"And it would have given you a pop up box if you wanted to download a signed copy as well.","start":1722.515,"end":1727.335,"sentiment":"neutral","sentiment_score":0.21337689012289046}],"sentiment":"neutral","sentiment_score":0.22540448630048382,"num_words":31,"start":1719.155,"end":1727.335},{"sentences":[{"text":"Sensational.","start":1735.15,"end":1735.65,"sentiment":"neutral","sentiment_score":0.2461838722229004},{"text":"So that's pretty much it for the review.","start":1735.9501,"end":1737.79,"sentiment":"neutral","sentiment_score":0.2122845547273755},{"text":"I've got a bit of a direction for the insurance and the super.","start":1737.79,"end":1741.01,"sentiment":"neutral","sentiment_score":0.20084712883600822},{"text":"Is there anything else I can do for you before I leave you for your week?","start":1741.47,"end":1744.725,"sentiment":"neutral","sentiment_score":0.08018175209872425},{"text":"No worries at all.","start":1748.725,"end":1749.865,"sentiment":"neutral","sentiment_score":0.22634940966963768}],"sentiment":"neutral","sentiment_score":0.16056615850400358,"num_words":42,"start":1735.15,"end":1749.865},{"sentences":[{"text":"I'll get going on the research.","start":1750.085,"end":1751.465,"sentiment":"neutral","sentiment_score":0.3069823731978734},{"text":"Just expect a call from the team in a couple of weeks to book you in with me, and we can get all that applied for and finalized.","start":1751.525,"end":1757.465,"sentiment":"neutral","sentiment_score":0.17686347769839422},{"text":"Amazing, Kelly.","start":1761.4169,"end":1762.2169,"sentiment":"positive","sentiment_score":0.6171010136604309},{"text":"See you later.","start":1762.2169,"end":1762.9369,"sentiment":"positive","sentiment_score":0.49023281534512836},{"text":"Bye.","start":1762.9369,"end":1763.4369,"sentiment":"neutral","sentiment_score":0.15872210264205933}],"sentiment":"neutral","sentiment_score":0.24144235476851464,"num_words":40,"start":1750.085,"end":1763.4369}]}}]},{"alternatives":[{"transcript":"Hey. How are you doing? Yeah. Good. Thank you. Yeah. I basically just wanted to add it because when we first started with you guys, we only added it for my husband, but I just wanted to add it for myself as well. Okay. Yeah. All good. 09/2009. Yes. Yeah. Yeah. I'll I'll be right to look through then. Okay. Mhmm. No. I've got it. Tommy I'm not gonna pronounce that surname, but Tommy. Yeah. It's you. Yeah. Alright. Sweet. Mhmm. Yes. Yes. Yes. Yep. No. I've got two. Yeah. Yeah. So yeah. I've got a yeah. So she's two now. So yeah. So two dependents. Vienna. Yes. Yeah. Yeah. You should probably do both of them. Yes, please. Yes. All good. Yeah. Yes. Yes. That's right. Yeah. I do get bonuses. It fluctuates, so obviously, it's based on invoicing. I think at the moment, this financial year today, I'm I've got about 50 k ish. So say I've yeah. Yes. He is open. I would I would say probably just do it on the base because it like I said, it does fluctuate. So I don't wanna over commit. Do You know what I mean? Yeah. Precisely. Yeah. So I reckon it's just safer to base it on the base. Obviously, on the provider that hopefully I'll never need it. Yep. Yep. Yeah. Yeah. I'm I'm sure we would make it work. I mean, right now, we'd be surviving on Joe's if we were both fucked, So I think it's better than what we've got now. So yeah. All good. Yep. Sorry. What was that? So thirty days or sixty to ninety? I mean, I'd need to probably know what the difference is. I don't I don't know what Joe's is set at. I can't remember what Sevi said to do it. He kinda guided us with the initial setup of Joe's because we didn't have a clue. So yeah. Yeah. Okay. Yeah. Okay. Okay. Sure. Let's let's go with that then. Yeah. Okay. Yeah. Sure thing. Look at the out of pocket, I guess, and see where we stand with that. Yeah. Sure. Yes. Yep. Precisely. Yeah. Yeah. BDM. So well, on I'm not on the road so much now, to be honest. It's more I work from home four days a week. So I do primarily Teams meetings because we're aligned with Telstra and they've obviously got, like, a national presence. So we yeah. I generally do most of my meetings from home. I'm not driving too much anymore. Four from home and then one from the office, one from Brisbane. No. No. I'll just be able to chat. Yeah. That's it. No. Hell no. Yep. I mean, yeah, I guess it makes sense to look at all the options. Yeah. No. Nothing. Nada. Yep. Perfect. Yeah. No no changes. Didn't start smoking. Didn't start any of that shit. So it should all still be very much current. Oh, yeah. Probably. Let me think. Oh, blah blah blah blah. Fuck. I could probably check on HSBC. Yeah. It would be around that because we did do an equity release to do some work at home. I'm just gonna jump into HSBC and check. It feels fucking let me log in. Yeah. I I actually detest HSBC. Their online banking is bullshit, and they've blocked me out the app. So I have to log in via a browser, which is fucking ridiculous. Yeah. No. It's a bollock. Okay. So one 48. Let me scroll down. Alright. 148735. That's not 8. 788. And investment. Fuck. It doesn't like me. I'm scrolling on the browser, which is super annoying. Yeah. Yeah. So yeah. 1.33. Yeah. Probably about, like, 1.45 ish going. Yeah. For everything. No. Yeah. So would you say it's it's it's okay where it is? Yep. Yeah. Yeah. Alright. Sweetheart, let's do that then. Yeah. I don't I'm I paid that out, but I still have the car. No. It's a Joe question about crypto. Probably not. I reckon it all tanked. I don't think so. No. I think that's it. Yep. Yep. For what? No. I don't reckon. Yep. Yeah. We put it we just put 500 a fortnight into, like, a offset type thing. Yes. So we've got that. Obviously, once my kid is out of Kindy, I will be $30 a year, almost better off, so that would be nice. But, yeah, it's sort of one of those where yeah. Well, at the moment, yeah, like, our educate our education fees are, like, $35 a year. So, like, what sorry. Vienna's a $20 out of that. So once she's out of kindy, we'll have and she goes into Lila's private school, which is insane because we save money by putting her in private school, but, like, we'll have an extra maybe if it's a joke. She sits in finger paints and they charge just fucking $25 a year. But yeah. Oh, it's just insane. Like, how how is the private school cheaper than the kindy? Like, she literally just stands around and covers herself in sand. But yeah. So once she's, like I think once she's three, she can go into the school's kindy, which I do think is a bit cheaper. So we'll have a bit more of a surplus, and then we'll hopefully be able to start putting back into the shared portfolio because that's what we obviously wanna be doing. But, yeah, just for now, we're we're pretty good just with the offset, I think. Yeah. We wanna invest in more properties because, like, we obviously came to this country late. So whilst you guys are obviously helping you build, you got the super, you you still don't wanna just hedge your back just on that. So we wanna kind of keep building up those assets. We we do have financial approval to purchase another property at the moment, but I just haven't found anything that's quite right, and I don't want negatively geared. I want it to be, like, at least breaking even. So I'm holding off until the property market comes itself down because everything is just insane still at the moment. Yeah. Yeah. Exactly. Well, that's right. And even, like, looking yeah. Well, I did have an interest in commercial. The problem is because we don't have a cash deposit, the property is effectively gonna be 100% mortgage. And therefore, again, we have the issue with negative gearing with commercial tenancy. We we're we've been, like, preapproved. We said we can they my broker said we can sort of comfortably get something around the 800,000 mark. But, again, like, you can't get nothing for that on the Gold Coast. And even if you can, like, you you're gonna be negatively dead because it's only let out for fucking 800 a week, and you need a grand a week just to cover the mortgage. And then I looked at further out. So I looked as far out as bloody Mount Isa, but then there's a whole ramification about borrowing from Mount Isa because it's a high risk area. Because there's some really good cash flow properties out there, but it's obviously really high risk too because if the mine closes, you're screwed because then there's no one to live in the house. So, yes, I have been looking Exactly. So it's it's just it's a risky time. Like, I'm not opposed to investing now. I just I genuinely just haven't found the right option. And then, yeah, like, you can get cheap properties down in Melbourne, but there's 500 apartments that look exactly the same that are all up for rent. So you then you kinda, like, well, how likely am I to get a tenant in yeah. So yeah. Lots of moving parts with that one, but, yes, in that was a very long winded way of saying, yes. We will be buying more property, but just not yet. Can you tell me? Yeah. Yeah. I would say so. Yeah. Yes. For sure. Yeah. Yeah. For sure. Yep. Yeah. That's fine. Thank you. Yes. We did. I I don't know, man. We went to the office thing that you go to in Southport where they do it for you. I don't know. I mean, if I did, it would be Joe. But I I just don't know. It's not really a conversation you wanna remember. It's like, oh, what if you die and your husband die and all your kids die? Like, what do you wanna do then? And I'm like, what? It's not it's not the most fun chat. But, yeah, I I really can't remember. Sorry. Yep. Yep. Yep. Yes. Okay. Yes. I do. Yeah. Yes. Yes. Yes. Okay. Yeah. Yeah. I'd say so. Why not? Yeah. Yeah. I understand. Oh, okay. I mean, I'd say so. Yeah. I mean, we're not close to retirement yet unless we come into some fucking mad amount of money. So I reckon just leave it. Yes. Yes. Yes. Nice. Okay. Mhmm. Okay. Yep. Yep. Yeah. Yeah. Sounds good. Whatever you say. I understand about 18% of it, so that's why you're here. No. But, I mean, you use, yeah, you use financial advisers because they know their shit. Right? And we don't. So, yeah, I'm happy to diversify it sounds smart. Oh, nice. Yep. Yeah. Yeah. No dramas. Yeah. Yeah. Yeah. For sure. No. No. All good. Mhmm. Yes. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. No. Easy done. I think I've I think I've done it. Yeah. It tried to put Kaylee Foster previously, Smith, and it didn't even fit in the box. I was like, alright. So I've just done my little scribble as best you can on a phone screen. No. Never. It's like when you sign for a parcel, it's like there's no proof that that's me. But do you know what? Whatever. Okay. Cool. It's just oh, I think it should be with you. It should be good. Alright. Yeah. Yeah. All good. I've got my confirmation email and shit. I'll be able to get it if I need it. No. No. All good. Thank you for your help. Yep. Alright. Perfect. Thanks for your help. Speak to you soon. Bye bye.","confidence":0.98999023,"words":[{"word":"hey","start":0.0,"end":0.16,"confidence":0.98413086,"punctuated_word":"Hey.","sentiment":"neutral","sentiment_score":0.2102784514427185},{"word":"how","start":0.16,"end":0.65999997,"confidence":0.99902344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.29904115200042725},{"word":"are","start":1.92,"end":2.08,"confidence":0.70947266,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2662868797779083},{"word":"you","start":2.08,"end":2.1599998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2047092616558075},{"word":"doing","start":2.1599998,"end":2.6599998,"confidence":1.0,"punctuated_word":"doing?","sentiment":"neutral","sentiment_score":0.229869544506073},{"word":"yeah","start":9.2,"end":9.5199995,"confidence":0.951416,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.354719340801239},{"word":"good","start":9.5199995,"end":9.76,"confidence":0.9875488,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.6512792110443115},{"word":"thank","start":9.76,"end":10.0,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7813599705696106},{"word":"you","start":10.0,"end":10.5,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6790574789047241},{"word":"yeah","start":19.145,"end":19.385,"confidence":0.84814453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11584687978029252},{"word":"i","start":19.385,"end":19.545,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14816971123218536},{"word":"basically","start":19.545,"end":20.025,"confidence":0.9243164,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.11084265261888504},{"word":"just","start":20.025,"end":20.265,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1147841364145279},{"word":"wanted","start":20.265,"end":20.585,"confidence":0.99902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.11970654875040054},{"word":"to","start":20.585,"end":20.665,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1498032808303833},{"word":"add","start":20.665,"end":20.904999,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.19616247713565824},{"word":"it","start":20.904999,"end":21.065,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17616155743598938},{"word":"because","start":21.065,"end":21.385,"confidence":0.52441406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.13294854760169983},{"word":"when","start":21.385,"end":21.625,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08789916336536407},{"word":"we","start":21.625,"end":21.865,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11750409752130508},{"word":"first","start":21.865,"end":22.105,"confidence":0.99609375,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.08495886623859406},{"word":"started","start":22.105,"end":22.505001,"confidence":0.96875,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.131281316280365},{"word":"with","start":22.505001,"end":22.665,"confidence":0.96972656,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12940262258052826},{"word":"you","start":22.665,"end":22.744999,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1572067141532898},{"word":"guys","start":22.744999,"end":23.064999,"confidence":0.9536133,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":0.13283370435237885},{"word":"we","start":23.064999,"end":23.305,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1320096105337143},{"word":"only","start":23.305,"end":23.625,"confidence":0.99316406,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.089963898062706},{"word":"added","start":23.625,"end":23.865,"confidence":0.9941406,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.16632385551929474},{"word":"it","start":23.865,"end":24.105,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2119333893060684},{"word":"for","start":24.105,"end":24.345001,"confidence":0.6645508,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1355256736278534},{"word":"my","start":24.345001,"end":24.585,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.13756638765335083},{"word":"husband","start":24.585,"end":25.064999,"confidence":0.8432617,"punctuated_word":"husband,","sentiment":"neutral","sentiment_score":0.1324605941772461},{"word":"but","start":25.064999,"end":25.224998,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.18823285400867465},{"word":"i","start":25.224998,"end":25.385,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20731453597545624},{"word":"just","start":25.385,"end":25.545,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2137114256620407},{"word":"wanted","start":25.545,"end":25.785,"confidence":0.99609375,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.22427743673324585},{"word":"to","start":25.785,"end":25.945,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2517034411430359},{"word":"add","start":25.945,"end":26.105,"confidence":0.99902344,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.2519319951534271},{"word":"it","start":26.105,"end":26.265,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2859575152397156},{"word":"for","start":26.265,"end":26.505001,"confidence":0.8491211,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19578485190868375},{"word":"myself","start":26.505001,"end":26.985,"confidence":0.99609375,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":0.2769200801849365},{"word":"as","start":26.985,"end":27.145,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25414198637008667},{"word":"well","start":27.145,"end":27.645,"confidence":0.99853516,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.24143165349960327},{"word":"okay","start":35.16,"end":35.66,"confidence":0.9675293,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.21976937353610992},{"word":"yeah","start":41.545,"end":41.945,"confidence":0.78466797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.32683444023132324},{"word":"all","start":41.945,"end":42.265,"confidence":0.9902344,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.571810245513916},{"word":"good","start":42.265,"end":42.765,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5239899158477783},{"word":"09/2009","start":51.704998,"end":57.079998,"confidence":0.86013186,"punctuated_word":"09/2009.","sentiment":"neutral","sentiment_score":0.030515456572175022},{"word":"yes","start":64.58,"end":65.08,"confidence":0.6687012,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1193859726190567},{"word":"yeah","start":70.375,"end":70.875,"confidence":0.95458984,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09538477659225464},{"word":"yeah","start":78.935,"end":79.335,"confidence":0.7832031,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04945499822497368},{"word":"i'll","start":79.335,"end":79.835,"confidence":0.8293457,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.046642906963825226},{"word":"i'll","start":80.295,"end":80.455,"confidence":0.9169922,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.057967089116573334},{"word":"be","start":80.455,"end":80.695,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06785738468170166},{"word":"right","start":80.695,"end":81.015,"confidence":0.98535156,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.09613727033138277},{"word":"to","start":81.015,"end":81.175,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06329093873500824},{"word":"look","start":81.175,"end":81.655,"confidence":0.99121094,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.056478071957826614},{"word":"through","start":81.655,"end":81.975,"confidence":0.9526367,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08287554979324341},{"word":"then","start":81.975,"end":82.475,"confidence":0.7722168,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.12357952445745468},{"word":"okay","start":88.53,"end":89.03,"confidence":0.8486328,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05191254988312721},{"word":"mhmm","start":91.81,"end":92.31,"confidence":0.96484375,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.026724928990006447},{"word":"no","start":97.354996,"end":97.595,"confidence":0.6859131,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1378248780965805},{"word":"i've","start":97.595,"end":97.755,"confidence":0.9042969,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.10877378284931184},{"word":"got","start":97.755,"end":97.994995,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.08405554294586182},{"word":"it","start":97.994995,"end":98.314995,"confidence":0.7792969,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.06349727511405945},{"word":"tommy","start":98.314995,"end":98.814995,"confidence":0.9819336,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":-0.029145363718271255},{"word":"i'm","start":99.354996,"end":99.674995,"confidence":0.83862305,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05608746036887169},{"word":"not","start":99.674995,"end":99.835,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08317843079566956},{"word":"gonna","start":99.835,"end":100.075,"confidence":0.98291016,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.06405189633369446},{"word":"pronounce","start":100.075,"end":100.555,"confidence":0.9980469,"punctuated_word":"pronounce","sentiment":"neutral","sentiment_score":-0.04313024133443832},{"word":"that","start":100.555,"end":100.795,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.044381581246852875},{"word":"surname","start":100.795,"end":101.195,"confidence":0.9003906,"punctuated_word":"surname,","sentiment":"neutral","sentiment_score":-0.05281634256243706},{"word":"but","start":101.195,"end":101.354996,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0391375795006752},{"word":"tommy","start":101.354996,"end":101.835,"confidence":0.78393555,"punctuated_word":"Tommy.","sentiment":"neutral","sentiment_score":-0.021914102137088776},{"word":"yeah","start":101.835,"end":102.155,"confidence":0.97265625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00920189544558525},{"word":"it's","start":102.155,"end":102.314995,"confidence":0.92089844,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.011828984133899212},{"word":"you","start":102.314995,"end":102.555,"confidence":0.98706055,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.006819415837526321},{"word":"yeah","start":102.555,"end":103.055,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0434088408946991},{"word":"alright","start":103.835,"end":104.335,"confidence":0.99121094,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.1538768857717514},{"word":"sweet","start":104.555,"end":105.055,"confidence":0.9921875,"punctuated_word":"Sweet.","sentiment":"positive","sentiment_score":0.3362390995025635},{"word":"mhmm","start":108.715,"end":109.215,"confidence":0.98291016,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10046135634183884},{"word":"yes","start":114.75,"end":115.25,"confidence":0.8059082,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.014101637527346613},{"word":"yes","start":123.84499,"end":124.34499,"confidence":0.8071289,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05468348786234856},{"word":"yes","start":135.205,"end":135.63,"confidence":0.92871094,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05765395611524582},{"word":"yep","start":142.59001,"end":142.99,"confidence":0.7442627,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03777599707245827},{"word":"no","start":142.99,"end":143.23001,"confidence":0.9577637,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.021751485764980316},{"word":"i've","start":143.23001,"end":143.39,"confidence":0.9916992,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.020883455872535706},{"word":"got","start":143.39,"end":143.63,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.026254255324602127},{"word":"two","start":143.63,"end":144.13,"confidence":0.9951172,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":0.001767946407198906},{"word":"yeah","start":155.355,"end":155.675,"confidence":0.92089844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.059230245649814606},{"word":"yeah","start":155.675,"end":155.91501,"confidence":0.9436035,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.037887826561927795},{"word":"so","start":155.91501,"end":156.035,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.019105026498436928},{"word":"yeah","start":156.155,"end":156.475,"confidence":0.99609375,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01804487034678459},{"word":"i've","start":156.475,"end":156.63501,"confidence":0.9851074,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.012492500245571136},{"word":"got","start":156.63501,"end":156.955,"confidence":0.81933594,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.016824951395392418},{"word":"a","start":156.955,"end":157.115,"confidence":0.78759766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015609442256391048},{"word":"yeah","start":157.355,"end":157.675,"confidence":0.95581055,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.021892931312322617},{"word":"so","start":157.675,"end":157.91501,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.025334704667329788},{"word":"she's","start":157.91501,"end":158.235,"confidence":0.99902344,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.03611519932746887},{"word":"two","start":158.235,"end":158.55501,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0369810089468956},{"word":"now","start":158.55501,"end":159.035,"confidence":0.97753906,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.050690311938524246},{"word":"so","start":159.035,"end":159.535,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.042768463492393494},{"word":"yeah","start":159.91501,"end":160.395,"confidence":0.9765625,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04411444067955017},{"word":"so","start":160.395,"end":160.715,"confidence":0.6381836,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.034949347376823425},{"word":"two","start":160.715,"end":161.115,"confidence":0.8520508,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.029107004404067993},{"word":"dependents","start":161.115,"end":161.615,"confidence":0.86604816,"punctuated_word":"dependents.","sentiment":"neutral","sentiment_score":0.03872229531407356},{"word":"vienna","start":165.84,"end":166.34,"confidence":0.71362305,"punctuated_word":"Vienna.","sentiment":"neutral","sentiment_score":0.010166922584176064},{"word":"yes","start":169.84,"end":170.34,"confidence":0.9255371,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14143972098827362},{"word":"yeah","start":180.445,"end":180.945,"confidence":0.85717773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04876085743308067},{"word":"yeah","start":182.60501,"end":182.845,"confidence":0.7871094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08093508332967758},{"word":"you","start":182.845,"end":182.925,"confidence":0.9951172,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.09778717160224916},{"word":"should","start":182.925,"end":183.16501,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.09946006536483765},{"word":"probably","start":183.16501,"end":183.485,"confidence":0.9970703,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.08775417506694794},{"word":"do","start":183.485,"end":183.725,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06513495743274689},{"word":"both","start":183.725,"end":183.96501,"confidence":0.9941406,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.0828685536980629},{"word":"of","start":183.96501,"end":184.125,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10114597529172896},{"word":"them","start":184.125,"end":184.625,"confidence":0.9980469,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.0927055925130844},{"word":"yes","start":188.54001,"end":189.04001,"confidence":0.9970703,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.19553203880786896},{"word":"please","start":191.66,"end":192.16,"confidence":0.9980469,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.06257078051567078},{"word":"yes","start":206.885,"end":207.285,"confidence":0.9355469,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.16657251119613647},{"word":"all","start":207.285,"end":207.605,"confidence":0.82373047,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5184366106987},{"word":"good","start":207.605,"end":208.105,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.408748984336853},{"word":"yeah","start":216.20999,"end":216.70999,"confidence":0.7570801,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07384969294071198},{"word":"yes","start":226.37,"end":226.87,"confidence":0.9909668,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05565623193979263},{"word":"yes","start":226.93,"end":227.33,"confidence":0.9848633,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07193315774202347},{"word":"that's","start":227.33,"end":227.65,"confidence":0.9904785,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1002301424741745},{"word":"right","start":227.65,"end":228.15,"confidence":0.99902344,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.11159927397966383},{"word":"yeah","start":234.97499,"end":235.295,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05057594925165176},{"word":"i","start":235.295,"end":235.455,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04673440381884575},{"word":"do","start":235.455,"end":235.855,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09656338393688202},{"word":"get","start":235.855,"end":236.095,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.029277920722961422},{"word":"bonuses","start":236.095,"end":236.595,"confidence":0.9641113,"punctuated_word":"bonuses.","sentiment":"neutral","sentiment_score":0.04069481045007706},{"word":"it","start":237.69499,"end":237.935,"confidence":0.875,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.05244692787528038},{"word":"fluctuates","start":237.935,"end":238.435,"confidence":0.82666016,"punctuated_word":"fluctuates,","sentiment":"neutral","sentiment_score":-0.02632758393883705},{"word":"so","start":238.815,"end":238.97499,"confidence":0.8378906,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.05721396952867508},{"word":"obviously","start":238.97499,"end":239.375,"confidence":0.40026855,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.05826618894934654},{"word":"it's","start":239.375,"end":239.875,"confidence":0.71435547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03887291997671127},{"word":"based","start":239.935,"end":240.17499,"confidence":0.97998047,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.007617529481649399},{"word":"on","start":240.17499,"end":240.575,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.004948258399963379},{"word":"invoicing","start":240.575,"end":241.075,"confidence":0.99975586,"punctuated_word":"invoicing.","sentiment":"neutral","sentiment_score":-0.0374104380607605},{"word":"i","start":241.855,"end":241.935,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.011823836714029312},{"word":"think","start":241.935,"end":242.33499,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.010715518146753311},{"word":"at","start":242.33499,"end":242.495,"confidence":0.80078125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.004779789596796036},{"word":"the","start":242.495,"end":242.655,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0066572995856404305},{"word":"moment","start":242.655,"end":243.155,"confidence":0.88549805,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.013174855150282385},{"word":"this","start":243.375,"end":243.72,"confidence":0.97314453,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.010824790224432944},{"word":"financial","start":244.28,"end":244.76,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.014556771144270895},{"word":"year","start":244.76,"end":245.0,"confidence":0.9941406,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.01325422152876854},{"word":"today","start":245.0,"end":245.48,"confidence":0.9187012,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.01304110698401928},{"word":"i'm","start":245.48,"end":245.72,"confidence":0.78515625,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0120368218049407},{"word":"i've","start":246.2,"end":246.36,"confidence":0.89575195,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.01942630112171173},{"word":"got","start":246.36,"end":246.6,"confidence":0.7973633,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.02069750800728798},{"word":"about","start":246.6,"end":247.1,"confidence":0.76171875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.016235146671533585},{"word":"50","start":247.48,"end":247.98,"confidence":0.9819336,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.019520170986652374},{"word":"k","start":248.28,"end":248.78,"confidence":0.80322266,"punctuated_word":"k","sentiment":"neutral","sentiment_score":0.02235281653702259},{"word":"ish","start":248.92,"end":249.42,"confidence":0.94661456,"punctuated_word":"ish.","sentiment":"neutral","sentiment_score":0.01744680479168892},{"word":"so","start":251.24,"end":251.64,"confidence":0.91748047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.012269885279238224},{"word":"say","start":251.64,"end":252.12,"confidence":0.71191406,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.02133475616574287},{"word":"i've","start":252.12,"end":252.36,"confidence":0.73950195,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.05717313289642334},{"word":"yeah","start":253.32,"end":253.82,"confidence":0.9904785,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.09116733074188232},{"word":"yes","start":261.145,"end":261.54498,"confidence":0.7536621,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2561005651950836},{"word":"he","start":261.54498,"end":261.705,"confidence":0.35351562,"punctuated_word":"He","sentiment":"neutral","sentiment_score":0.3044506013393402},{"word":"is","start":261.705,"end":261.865,"confidence":0.65478516,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.23442499339580536},{"word":"open","start":261.865,"end":262.365,"confidence":0.9592285,"punctuated_word":"open.","sentiment":"neutral","sentiment_score":0.262808620929718},{"word":"i","start":278.19998,"end":278.36,"confidence":0.8769531,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.007140953093767166},{"word":"would","start":278.36,"end":278.76,"confidence":0.9892578,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.01883033663034439},{"word":"i","start":278.76,"end":278.91998,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.001323457807302475},{"word":"would","start":278.91998,"end":279.16,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.005185376852750778},{"word":"say","start":279.16,"end":279.47998,"confidence":0.9892578,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.0014595501124858856},{"word":"probably","start":279.47998,"end":279.97998,"confidence":0.7109375,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.006540138274431229},{"word":"just","start":280.04,"end":280.36,"confidence":0.96972656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.01031472533941269},{"word":"do","start":280.36,"end":280.52,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.01548876240849495},{"word":"it","start":280.52,"end":280.68,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03136376291513443},{"word":"on","start":280.68,"end":280.84,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0282796211540699},{"word":"the","start":280.84,"end":281.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023185186088085175},{"word":"base","start":281.0,"end":281.32,"confidence":0.9951172,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.014290638267993929},{"word":"because","start":281.32,"end":281.56,"confidence":0.79052734,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.02008706331253052},{"word":"it","start":281.56,"end":281.63998,"confidence":0.96972656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.034814849495887756},{"word":"like","start":281.88,"end":282.04,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.03600747883319855},{"word":"i","start":282.04,"end":282.12,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00197085365653038},{"word":"said","start":282.12,"end":282.28,"confidence":0.97753906,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.01540425419807434},{"word":"it","start":282.28,"end":282.44,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.005394637584686279},{"word":"does","start":282.44,"end":282.68,"confidence":0.7714844,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.02072354406118393},{"word":"fluctuate","start":282.68,"end":283.18,"confidence":0.75358075,"punctuated_word":"fluctuate.","sentiment":"neutral","sentiment_score":-0.010756615549325945},{"word":"so","start":283.4,"end":283.47998,"confidence":0.92822266,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.026589393615722656},{"word":"i","start":283.47998,"end":283.63998,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.025579113513231277},{"word":"don't","start":283.63998,"end":283.8,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03225645050406456},{"word":"wanna","start":283.8,"end":284.19998,"confidence":0.9536133,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.06027470529079437},{"word":"over","start":284.19998,"end":284.44,"confidence":0.9980469,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.1129065752029419},{"word":"commit","start":284.44,"end":284.94,"confidence":0.8120117,"punctuated_word":"commit.","sentiment":"neutral","sentiment_score":-0.06886138021945953},{"word":"do","start":285.72,"end":285.945,"confidence":0.7626953,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.01274852268397808},{"word":"you","start":285.945,"end":286.105,"confidence":0.9790039,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.01810807548463345},{"word":"know","start":286.105,"end":286.345,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.012609966099262238},{"word":"what","start":286.345,"end":286.385,"confidence":0.99121094,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01499701663851738},{"word":"i","start":286.385,"end":286.42502,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.008212719112634659},{"word":"mean","start":286.42502,"end":286.92502,"confidence":0.99853516,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":0.00018701516091823575},{"word":"yeah","start":295.065,"end":295.385,"confidence":0.9765625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03023893386125565},{"word":"precisely","start":295.385,"end":295.885,"confidence":0.99658203,"punctuated_word":"Precisely.","sentiment":"neutral","sentiment_score":0.05133747309446335},{"word":"yeah","start":296.905,"end":297.305,"confidence":0.85546875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.024650774896144867},{"word":"so","start":297.305,"end":297.545,"confidence":0.984375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02389153093099594},{"word":"i","start":297.545,"end":297.625,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02381642535328865},{"word":"reckon","start":297.625,"end":298.105,"confidence":0.9970703,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":0.019598819315433506},{"word":"it's","start":298.105,"end":298.265,"confidence":0.9609375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04464798420667648},{"word":"just","start":298.265,"end":298.505,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0422389879822731},{"word":"safer","start":298.505,"end":298.98502,"confidence":0.90234375,"punctuated_word":"safer","sentiment":"neutral","sentiment_score":0.026125267148017883},{"word":"to","start":298.98502,"end":299.14502,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05898281931877136},{"word":"base","start":299.14502,"end":299.545,"confidence":0.99609375,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.05363485962152481},{"word":"it","start":299.545,"end":299.70502,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04927242174744606},{"word":"on","start":299.70502,"end":299.86502,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05828303471207619},{"word":"the","start":299.86502,"end":300.36502,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.058576006442308426},{"word":"base","start":300.72,"end":301.22,"confidence":0.7149658,"punctuated_word":"base.","sentiment":"neutral","sentiment_score":0.04548601806163788},{"word":"obviously","start":301.28,"end":301.76,"confidence":0.98461914,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.013536930084228516},{"word":"on","start":301.76,"end":301.92,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.01252010464668274},{"word":"the","start":301.92,"end":302.08002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008663851767778397},{"word":"provider","start":302.08002,"end":302.48,"confidence":0.92089844,"punctuated_word":"provider","sentiment":"neutral","sentiment_score":0.01802084594964981},{"word":"that","start":302.48,"end":302.72,"confidence":0.77734375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.010969921946525574},{"word":"hopefully","start":302.72,"end":303.12003,"confidence":0.7944336,"punctuated_word":"hopefully","sentiment":"neutral","sentiment_score":-0.001045823097229004},{"word":"i'll","start":303.12003,"end":303.28,"confidence":0.8054199,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.008651450276374817},{"word":"never","start":303.28,"end":303.44,"confidence":0.9980469,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.00831586867570877},{"word":"need","start":303.44,"end":303.68002,"confidence":0.9951172,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.012241922318935394},{"word":"it","start":303.68002,"end":304.18002,"confidence":0.92700195,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.024495387449860573},{"word":"yep","start":315.935,"end":316.435,"confidence":0.73742676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07222688943147659},{"word":"yep","start":321.055,"end":321.555,"confidence":0.7319336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0505068302154541},{"word":"yeah","start":324.175,"end":324.495,"confidence":0.84228516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04037408158183098},{"word":"yeah","start":324.495,"end":324.895,"confidence":0.9628906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.046627551317214966},{"word":"i'm","start":324.895,"end":325.135,"confidence":0.98339844,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.027518680319190025},{"word":"i'm","start":325.135,"end":325.295,"confidence":0.9260254,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04795404523611069},{"word":"sure","start":325.295,"end":325.615,"confidence":0.9536133,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.0730564221739769},{"word":"we","start":325.615,"end":325.775,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05907100439071655},{"word":"would","start":325.775,"end":326.275,"confidence":0.9951172,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.11200207471847534},{"word":"make","start":326.335,"end":326.655,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11145559698343276},{"word":"it","start":326.655,"end":326.895,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07372192293405533},{"word":"work","start":326.895,"end":327.215,"confidence":0.9970703,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.05122494697570801},{"word":"i","start":327.215,"end":327.375,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01469133049249649},{"word":"mean","start":327.375,"end":327.615,"confidence":0.9921875,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.024088818579912186},{"word":"right","start":327.615,"end":327.855,"confidence":0.9970703,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.049909673631191254},{"word":"now","start":327.855,"end":328.095,"confidence":0.8769531,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.05110983923077583},{"word":"we'd","start":328.095,"end":328.255,"confidence":0.99853516,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.0790591910481453},{"word":"be","start":328.255,"end":328.495,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.08920611441135406},{"word":"surviving","start":328.495,"end":328.975,"confidence":1.0,"punctuated_word":"surviving","sentiment":"neutral","sentiment_score":-0.06807065010070801},{"word":"on","start":328.975,"end":329.475,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06886319071054459},{"word":"joe's","start":329.695,"end":330.095,"confidence":0.8391113,"punctuated_word":"Joe's","sentiment":"neutral","sentiment_score":-0.06524180620908737},{"word":"if","start":330.095,"end":330.255,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05805842205882072},{"word":"we","start":330.255,"end":330.415,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07124678790569305},{"word":"were","start":330.415,"end":330.575,"confidence":0.84716797,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.0761052817106247},{"word":"both","start":330.575,"end":330.815,"confidence":0.98828125,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.08807334303855896},{"word":"fucked","start":330.815,"end":331.2,"confidence":0.74780273,"punctuated_word":"fucked,","sentiment":"neutral","sentiment_score":-0.07690511643886566},{"word":"so","start":331.2,"end":331.36002,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.025767646729946136},{"word":"i","start":331.36002,"end":331.52002,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.018527954816818237},{"word":"think","start":331.52002,"end":331.56,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.01288941502571106},{"word":"it's","start":331.56,"end":331.6,"confidence":0.9951172,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0015357236843556166},{"word":"better","start":331.6,"end":332.1,"confidence":0.93408203,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.00993933528661728},{"word":"than","start":332.48,"end":332.64,"confidence":0.94921875,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.01965566724538803},{"word":"what","start":332.64,"end":332.88,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.005636930465698242},{"word":"we've","start":332.88,"end":333.28,"confidence":0.9838867,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.005664139986038208},{"word":"got","start":333.28,"end":333.6,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.006878748536109924},{"word":"now","start":333.6,"end":334.1,"confidence":0.9970703,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.02939222753047943},{"word":"so","start":335.92,"end":336.04,"confidence":0.75439453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09885086864233016},{"word":"yeah","start":336.16,"end":336.48,"confidence":0.99902344,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.14899514615535736},{"word":"all","start":336.48,"end":336.72,"confidence":0.99902344,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.2618209421634674},{"word":"good","start":336.72,"end":337.22,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1994307041168213},{"word":"yep","start":349.015,"end":349.515,"confidence":0.7137451,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.019935544580221176},{"word":"sorry","start":359.3,"end":359.62,"confidence":0.8144531,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.04289516806602478},{"word":"what","start":359.62,"end":359.78,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.04115012660622597},{"word":"was","start":359.78,"end":360.02,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04369638487696648},{"word":"that","start":360.02,"end":360.34,"confidence":0.99902344,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.03775031864643097},{"word":"so","start":360.34,"end":360.74,"confidence":0.97802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.029627392068505287},{"word":"thirty","start":360.74,"end":361.14,"confidence":0.9506836,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.02404715865850449},{"word":"days","start":361.14,"end":361.46,"confidence":0.99902344,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.019160158932209015},{"word":"or","start":361.46,"end":361.7,"confidence":0.94140625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.021038468927145004},{"word":"sixty","start":361.7,"end":362.1,"confidence":0.9980469,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":-0.025259559974074364},{"word":"to","start":362.1,"end":362.34,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.026844654232263565},{"word":"ninety","start":362.34,"end":362.84,"confidence":0.8249512,"punctuated_word":"ninety?","sentiment":"neutral","sentiment_score":-0.027210095897316933},{"word":"i","start":368.02,"end":368.18,"confidence":0.9741211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.041692256927490234},{"word":"mean","start":368.18,"end":368.42,"confidence":0.9941406,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.041570208966732025},{"word":"i'd","start":368.42,"end":368.74,"confidence":0.8989258,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.04564181715250015},{"word":"need","start":368.74,"end":368.98,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.036419112235307693},{"word":"to","start":368.98,"end":369.22,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.033985435962677},{"word":"probably","start":369.22,"end":369.7,"confidence":0.97265625,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.04810357838869095},{"word":"know","start":369.7,"end":370.02,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.043267689645290375},{"word":"what","start":370.02,"end":370.26,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03846638649702072},{"word":"the","start":370.26,"end":370.42,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03681162744760513},{"word":"difference","start":370.42,"end":370.92,"confidence":0.99902344,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.040719784796237946},{"word":"is","start":371.525,"end":371.685,"confidence":0.9970703,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.028956664726138115},{"word":"i","start":371.685,"end":371.925,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15264853835105896},{"word":"don't","start":371.925,"end":372.32498,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1649242341518402},{"word":"i","start":372.32498,"end":372.405,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18589404225349423},{"word":"don't","start":372.405,"end":372.645,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1883600950241089},{"word":"know","start":372.645,"end":372.88498,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.16077834367752075},{"word":"what","start":372.88498,"end":373.125,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.13339540362358093},{"word":"joe's","start":373.125,"end":373.525,"confidence":0.9543457,"punctuated_word":"Joe's","sentiment":"neutral","sentiment_score":-0.14494246244430542},{"word":"is","start":373.525,"end":373.76498,"confidence":0.9472656,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10223081707954408},{"word":"set","start":373.76498,"end":374.00497,"confidence":0.89501953,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.10342109203338624},{"word":"at","start":374.00497,"end":374.16498,"confidence":0.74731445,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":-0.13376767933368683},{"word":"i","start":374.16498,"end":374.32498,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1228967159986496},{"word":"can't","start":374.32498,"end":374.56497,"confidence":0.99902344,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.11493183672428132},{"word":"remember","start":374.56497,"end":374.965,"confidence":1.0,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.0663491040468216},{"word":"what","start":374.965,"end":375.465,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.11348094046115877},{"word":"sevi","start":375.685,"end":376.085,"confidence":0.38500977,"punctuated_word":"Sevi","sentiment":"neutral","sentiment_score":-0.05898604169487953},{"word":"said","start":376.085,"end":376.405,"confidence":0.9970703,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.028217293322086338},{"word":"to","start":376.405,"end":376.56497,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04459049180150032},{"word":"do","start":376.56497,"end":376.72498,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03684370964765549},{"word":"it","start":376.72498,"end":377.205,"confidence":0.9260254,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.06853319704532623},{"word":"he","start":377.205,"end":377.44498,"confidence":0.8857422,"punctuated_word":"He","sentiment":"neutral","sentiment_score":0.03741476684808731},{"word":"kinda","start":377.44498,"end":377.76498,"confidence":0.8178711,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.001200944185256958},{"word":"guided","start":377.76498,"end":378.16498,"confidence":0.9453125,"punctuated_word":"guided","sentiment":"neutral","sentiment_score":0.0118212029337883},{"word":"us","start":378.16498,"end":378.405,"confidence":0.9790039,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.008002184331417084},{"word":"with","start":378.405,"end":378.56497,"confidence":0.97314453,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.017620019614696503},{"word":"the","start":378.56497,"end":378.72498,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.016572371125221252},{"word":"initial","start":378.72498,"end":379.125,"confidence":0.9941406,"punctuated_word":"initial","sentiment":"neutral","sentiment_score":-0.008026458323001862},{"word":"setup","start":379.125,"end":379.525,"confidence":0.65234375,"punctuated_word":"setup","sentiment":"neutral","sentiment_score":-0.009235143661499023},{"word":"of","start":379.525,"end":379.60498,"confidence":0.73095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.018694452941417698},{"word":"joe's","start":379.60498,"end":379.925,"confidence":0.9819336,"punctuated_word":"Joe's","sentiment":"neutral","sentiment_score":-0.045219264924526215},{"word":"because","start":379.925,"end":380.16498,"confidence":0.8833008,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06883911788463593},{"word":"we","start":380.16498,"end":380.405,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03226490318775177},{"word":"didn't","start":380.405,"end":380.645,"confidence":0.9970703,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.0933590978384018},{"word":"have","start":380.645,"end":380.805,"confidence":0.98535156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08724778890609741},{"word":"a","start":380.805,"end":380.88498,"confidence":0.94970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1188407763838768},{"word":"clue","start":380.88498,"end":381.28497,"confidence":0.7397461,"punctuated_word":"clue.","sentiment":"neutral","sentiment_score":-0.10683778673410416},{"word":"so","start":381.28497,"end":381.78497,"confidence":0.9707031,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0056057944893836975},{"word":"yeah","start":384.56497,"end":385.06497,"confidence":0.9238281,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.09053796529769896},{"word":"yeah","start":396.66998,"end":396.83,"confidence":0.939209,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1286233365535736},{"word":"okay","start":396.83,"end":397.33,"confidence":0.9921875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11619509756565094},{"word":"yeah","start":400.83,"end":401.33,"confidence":0.9428711,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15043114125728607},{"word":"okay","start":407.855,"end":408.355,"confidence":0.94433594,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3886091709136963},{"word":"okay","start":409.855,"end":410.335,"confidence":0.99560547,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2495311051607132},{"word":"sure","start":410.335,"end":410.73502,"confidence":0.99853516,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.2554720938205719},{"word":"let's","start":410.73502,"end":411.135,"confidence":0.99853516,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.17685681581497192},{"word":"let's","start":411.135,"end":411.635,"confidence":0.99902344,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.17728328704833984},{"word":"go","start":412.255,"end":412.495,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1901856958866119},{"word":"with","start":412.495,"end":412.655,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20120039582252505},{"word":"that","start":412.655,"end":412.975,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20121008157730105},{"word":"then","start":412.975,"end":413.475,"confidence":0.9880371,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.224972203373909},{"word":"yeah","start":424.72,"end":425.22,"confidence":0.7988281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.22971290349960327},{"word":"okay","start":426.0,"end":426.5,"confidence":0.9904785,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.2207583785057068},{"word":"yeah","start":433.725,"end":434.205,"confidence":0.86376953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01889408752322197},{"word":"sure","start":434.205,"end":434.44498,"confidence":0.91015625,"punctuated_word":"Sure","sentiment":"neutral","sentiment_score":0.0780063271522522},{"word":"thing","start":434.44498,"end":434.94498,"confidence":0.99658203,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.0495486743748188},{"word":"look","start":455.69,"end":455.85,"confidence":0.88964844,"punctuated_word":"Look","sentiment":"neutral","sentiment_score":-0.07366897165775299},{"word":"at","start":455.85,"end":456.01,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07848770916461945},{"word":"the","start":456.01,"end":456.25,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06536749005317688},{"word":"out","start":456.25,"end":456.41,"confidence":0.9941406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.03693573176860809},{"word":"of","start":456.41,"end":456.57,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06141383945941925},{"word":"pocket","start":456.57,"end":457.05002,"confidence":0.98291016,"punctuated_word":"pocket,","sentiment":"neutral","sentiment_score":-0.04837503284215927},{"word":"i","start":457.05002,"end":457.21002,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.041686609387397766},{"word":"guess","start":457.21002,"end":457.53,"confidence":0.98999023,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.06052171438932419},{"word":"and","start":457.53,"end":457.93002,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04362953454256058},{"word":"see","start":457.93002,"end":458.43002,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.02963293343782425},{"word":"where","start":458.57,"end":458.89,"confidence":0.9941406,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.03761150687932968},{"word":"we","start":458.89,"end":459.13,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.027173742651939392},{"word":"stand","start":459.13,"end":459.45,"confidence":0.97509766,"punctuated_word":"stand","sentiment":"neutral","sentiment_score":-0.04737622290849686},{"word":"with","start":459.45,"end":459.69,"confidence":0.9902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03843686729669571},{"word":"that","start":459.69,"end":460.19,"confidence":0.9951172,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.0050866976380348206},{"word":"yeah","start":465.41498,"end":465.91498,"confidence":0.81518555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013978103175759315},{"word":"sure","start":475.84998,"end":476.34998,"confidence":0.7519531,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.09353892505168916},{"word":"yes","start":485.21,"end":485.71,"confidence":0.9433594,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06533458828926086},{"word":"yep","start":491.965,"end":492.365,"confidence":0.65734863,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08878110349178314},{"word":"precisely","start":492.365,"end":492.865,"confidence":0.99572754,"punctuated_word":"Precisely.","sentiment":"neutral","sentiment_score":0.14219443500041962},{"word":"yeah","start":494.525,"end":494.76498,"confidence":0.9645996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05053368955850601},{"word":"yeah","start":494.76498,"end":495.165,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.039477188140153885},{"word":"bdm","start":495.165,"end":495.665,"confidence":0.7291667,"punctuated_word":"BDM.","sentiment":"neutral","sentiment_score":0.016576465219259262},{"word":"so","start":495.805,"end":495.965,"confidence":0.8461914,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.047193557024002075},{"word":"well","start":496.045,"end":496.365,"confidence":0.9824219,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.07202161848545074},{"word":"on","start":496.365,"end":496.605,"confidence":0.7421875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.039271946996450424},{"word":"i'm","start":496.845,"end":497.005,"confidence":0.9926758,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.01213087048381567},{"word":"not","start":497.005,"end":497.165,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.020185597240924835},{"word":"on","start":497.165,"end":497.325,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01808168739080429},{"word":"the","start":497.325,"end":497.405,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.032308414578437805},{"word":"road","start":497.405,"end":497.645,"confidence":0.86865234,"punctuated_word":"road","sentiment":"neutral","sentiment_score":-0.04499516263604164},{"word":"so","start":497.645,"end":497.885,"confidence":0.7963867,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.052915237843990326},{"word":"much","start":497.885,"end":498.125,"confidence":0.9980469,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.03398889675736427},{"word":"now","start":498.125,"end":498.365,"confidence":0.8510742,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.047628529369831085},{"word":"to","start":498.365,"end":498.525,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0216643288731575},{"word":"be","start":498.525,"end":498.685,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.01730441302061081},{"word":"honest","start":498.685,"end":499.165,"confidence":0.9904785,"punctuated_word":"honest.","sentiment":"neutral","sentiment_score":-0.02118081972002983},{"word":"it's","start":499.165,"end":499.565,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.020096473395824432},{"word":"more","start":499.565,"end":500.04498,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.0018882118165493011},{"word":"i","start":500.125,"end":500.625,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.018474221229553223},{"word":"work","start":500.685,"end":501.005,"confidence":0.9370117,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.015391722321510317},{"word":"from","start":501.005,"end":501.165,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.043528929352760315},{"word":"home","start":501.165,"end":501.405,"confidence":0.9980469,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.0374857634305954},{"word":"four","start":501.405,"end":501.565,"confidence":0.9013672,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.06736540794372559},{"word":"days","start":501.565,"end":501.805,"confidence":0.9980469,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.051238883286714554},{"word":"a","start":501.805,"end":501.885,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07005620747804642},{"word":"week","start":501.885,"end":502.08,"confidence":0.9033203,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.028931498527526855},{"word":"so","start":503.12,"end":503.28,"confidence":0.9013672,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01754084601998329},{"word":"i","start":503.28,"end":503.52,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03336970508098602},{"word":"do","start":503.52,"end":503.84,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0667768344283104},{"word":"primarily","start":503.84,"end":504.34,"confidence":0.94384766,"punctuated_word":"primarily","sentiment":"neutral","sentiment_score":0.059148892760276794},{"word":"teams","start":504.4,"end":504.9,"confidence":0.49804688,"punctuated_word":"Teams","sentiment":"neutral","sentiment_score":0.07215343415737152},{"word":"meetings","start":504.96,"end":505.46,"confidence":0.9707031,"punctuated_word":"meetings","sentiment":"neutral","sentiment_score":0.07204330712556839},{"word":"because","start":505.59998,"end":506.09998,"confidence":0.90625,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0923723801970482},{"word":"we're","start":506.8,"end":507.03998,"confidence":0.98535156,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1146366521716118},{"word":"aligned","start":507.03998,"end":507.36,"confidence":0.9941406,"punctuated_word":"aligned","sentiment":"neutral","sentiment_score":0.1104803830385208},{"word":"with","start":507.36,"end":507.59998,"confidence":0.99316406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13122880458831787},{"word":"telstra","start":507.59998,"end":507.91998,"confidence":0.9970703,"punctuated_word":"Telstra","sentiment":"neutral","sentiment_score":0.06708303093910217},{"word":"and","start":507.91998,"end":508.08,"confidence":0.51660156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11023493856191637},{"word":"they've","start":508.08,"end":508.24,"confidence":0.93896484,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":0.1052468866109848},{"word":"obviously","start":508.24,"end":508.56,"confidence":0.8881836,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.12733891606330872},{"word":"got","start":508.56,"end":508.72,"confidence":0.8701172,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.12677036225795746},{"word":"like","start":508.72,"end":508.87997,"confidence":0.99365234,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11464449763298036},{"word":"a","start":508.87997,"end":509.03998,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.110618457198143},{"word":"national","start":509.03998,"end":509.43997,"confidence":0.99902344,"punctuated_word":"national","sentiment":"neutral","sentiment_score":0.05819757282733917},{"word":"presence","start":509.43997,"end":509.91998,"confidence":0.92700195,"punctuated_word":"presence.","sentiment":"neutral","sentiment_score":0.03731238842010498},{"word":"so","start":509.91998,"end":510.41998,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03438492491841316},{"word":"we","start":511.28,"end":511.43997,"confidence":0.96240234,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.023689325898885727},{"word":"yeah","start":511.68,"end":512.0,"confidence":0.99365234,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04414348304271698},{"word":"i","start":512.0,"end":512.16,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.027729663997888565},{"word":"generally","start":512.16,"end":512.64,"confidence":0.97265625,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.0961175411939621},{"word":"do","start":512.64,"end":512.8,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.064864382147789},{"word":"most","start":512.8,"end":513.04,"confidence":0.9863281,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.100454643368721},{"word":"of","start":513.04,"end":513.12,"confidence":0.9560547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10998360812664032},{"word":"my","start":513.12,"end":513.27997,"confidence":0.9013672,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.07873934507369995},{"word":"meetings","start":513.27997,"end":513.51996,"confidence":0.984375,"punctuated_word":"meetings","sentiment":"neutral","sentiment_score":0.057628288865089417},{"word":"from","start":513.51996,"end":513.76,"confidence":0.99609375,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0519537441432476},{"word":"home","start":513.76,"end":513.92,"confidence":0.98095703,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":0.04776668548583984},{"word":"i'm","start":513.92,"end":514.16,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02618762105703354},{"word":"not","start":514.16,"end":514.32,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04548858106136322},{"word":"driving","start":514.32,"end":514.72,"confidence":1.0,"punctuated_word":"driving","sentiment":"neutral","sentiment_score":-0.01989653706550598},{"word":"too","start":514.72,"end":514.88,"confidence":0.99902344,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.06892859935760498},{"word":"much","start":514.88,"end":515.12,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.044445522129535675},{"word":"anymore","start":515.12,"end":515.62,"confidence":0.99609375,"punctuated_word":"anymore.","sentiment":"neutral","sentiment_score":-0.03995952382683754},{"word":"four","start":521.555,"end":521.795,"confidence":0.8745117,"punctuated_word":"Four","sentiment":"neutral","sentiment_score":0.18085739016532895},{"word":"from","start":521.795,"end":522.035,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.14113527536392212},{"word":"home","start":522.035,"end":522.535,"confidence":0.9980469,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.1679997742176056},{"word":"and","start":523.475,"end":523.715,"confidence":0.37841797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18280990421772003},{"word":"then","start":523.715,"end":523.955,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2300567328929901},{"word":"one","start":523.955,"end":524.195,"confidence":0.9941406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2818757891654968},{"word":"from","start":524.195,"end":524.435,"confidence":0.9838867,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2408035695552826},{"word":"the","start":524.435,"end":524.595,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3785236775875091},{"word":"office","start":524.595,"end":524.995,"confidence":0.96850586,"punctuated_word":"office,","sentiment":"positive","sentiment_score":0.4267776608467102},{"word":"one","start":524.995,"end":525.235,"confidence":1.0,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.4612787961959839},{"word":"from","start":525.235,"end":525.395,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0928243026137352},{"word":"brisbane","start":525.395,"end":525.895,"confidence":0.96533203,"punctuated_word":"Brisbane.","sentiment":"neutral","sentiment_score":0.16427648067474365},{"word":"no","start":539.41,"end":539.91,"confidence":0.8469238,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10629889369010924},{"word":"no","start":539.97,"end":540.29,"confidence":0.9921875,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11706550419330596},{"word":"i'll","start":540.29,"end":540.37,"confidence":0.6513672,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.09894923865795135},{"word":"just","start":540.37,"end":540.61,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11101998388767242},{"word":"be","start":540.61,"end":540.77,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06769520789384842},{"word":"able","start":540.77,"end":541.01,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.05673544108867645},{"word":"to","start":541.01,"end":541.17,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07328079640865326},{"word":"chat","start":541.17,"end":541.67,"confidence":0.9946289,"punctuated_word":"chat.","sentiment":"neutral","sentiment_score":-0.11545553803443909},{"word":"yeah","start":545.17,"end":545.49,"confidence":0.9916992,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.015245163813233376},{"word":"that's","start":545.49,"end":545.89,"confidence":0.99609375,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.010177534073591232},{"word":"it","start":545.89,"end":546.39,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.006578674539923668},{"word":"no","start":550.685,"end":551.185,"confidence":0.98217773,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06741963326931},{"word":"hell","start":552.125,"end":552.525,"confidence":0.86035156,"punctuated_word":"Hell","sentiment":"neutral","sentiment_score":-0.002595372498035431},{"word":"no","start":552.525,"end":553.025,"confidence":0.814209,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.03048510104417801},{"word":"yep","start":567.23,"end":567.73,"confidence":0.9680176,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2833843231201172},{"word":"i","start":592.6,"end":592.75995,"confidence":0.94921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03364022076129913},{"word":"mean","start":592.75995,"end":593.16,"confidence":0.810791,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.04970090463757515},{"word":"yeah","start":593.16,"end":593.66,"confidence":0.76782227,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.06063320487737656},{"word":"i","start":593.72,"end":593.95996,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.042871326208114624},{"word":"guess","start":593.95996,"end":594.27997,"confidence":0.8886719,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.06664185225963593},{"word":"it","start":594.27997,"end":594.75995,"confidence":0.81347656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10164198279380798},{"word":"makes","start":594.75995,"end":595.07996,"confidence":0.9741211,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.10251650959253313},{"word":"sense","start":595.07996,"end":595.39996,"confidence":1.0,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.07872536778450012},{"word":"to","start":595.39996,"end":595.56,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07936661690473557},{"word":"look","start":595.56,"end":595.8,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06804896891117096},{"word":"at","start":595.8,"end":596.3,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06413004547357559},{"word":"all","start":596.6,"end":596.83997,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.08080895245075226},{"word":"the","start":596.83997,"end":597.07996,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06013086065649986},{"word":"options","start":597.07996,"end":597.57996,"confidence":0.96313477,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.05813361704349518},{"word":"yeah","start":611.175,"end":611.675,"confidence":0.9567871,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.042483583092689514},{"word":"no","start":621.85,"end":622.35,"confidence":0.7435303,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.005105684511363506},{"word":"nothing","start":622.64996,"end":623.14996,"confidence":0.9970703,"punctuated_word":"Nothing.","sentiment":"neutral","sentiment_score":-0.0003438051789999008},{"word":"nada","start":624.56995,"end":625.06995,"confidence":0.95247394,"punctuated_word":"Nada.","sentiment":"neutral","sentiment_score":0.08348159492015839},{"word":"yep","start":634.15497,"end":634.65497,"confidence":0.70861816,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0552535317838192},{"word":"perfect","start":636.235,"end":636.735,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5327972769737244},{"word":"yeah","start":638.475,"end":638.955,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21676811575889587},{"word":"no","start":638.955,"end":639.27496,"confidence":0.9970703,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.0802806094288826},{"word":"no","start":639.27496,"end":639.755,"confidence":0.9013672,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.12985274195671082},{"word":"changes","start":639.755,"end":640.255,"confidence":0.8803711,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":-0.16932156682014465},{"word":"didn't","start":640.635,"end":641.035,"confidence":0.9941406,"punctuated_word":"Didn't","sentiment":"neutral","sentiment_score":-0.1381828486919403},{"word":"start","start":641.035,"end":641.515,"confidence":0.99609375,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.17679734528064728},{"word":"smoking","start":641.515,"end":642.015,"confidence":0.9345703,"punctuated_word":"smoking.","sentiment":"neutral","sentiment_score":-0.179497092962265},{"word":"didn't","start":642.075,"end":642.39496,"confidence":1.0,"punctuated_word":"Didn't","sentiment":"neutral","sentiment_score":-0.13691860437393188},{"word":"start","start":642.39496,"end":642.71497,"confidence":0.9980469,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.16982829570770264},{"word":"any","start":642.71497,"end":642.955,"confidence":0.9970703,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.1875288188457489},{"word":"of","start":642.955,"end":643.035,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2323266863822937},{"word":"that","start":643.035,"end":643.195,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3088286519050598},{"word":"shit","start":643.195,"end":643.435,"confidence":0.89746094,"punctuated_word":"shit.","sentiment":"neutral","sentiment_score":-0.314242422580719},{"word":"so","start":643.435,"end":643.595,"confidence":0.9223633,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0045241788029670715},{"word":"it","start":643.595,"end":643.755,"confidence":0.9902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01369265466928482},{"word":"should","start":643.755,"end":643.915,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.008863314986228943},{"word":"all","start":643.915,"end":644.15497,"confidence":0.9892578,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.03898409381508827},{"word":"still","start":644.15497,"end":644.39496,"confidence":0.99609375,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.015292234718799593},{"word":"be","start":644.39496,"end":644.635,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.003448210656642914},{"word":"very","start":644.635,"end":644.875,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.02165164053440094},{"word":"much","start":644.875,"end":645.355,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.011375941336154938},{"word":"current","start":645.355,"end":645.855,"confidence":0.99365234,"punctuated_word":"current.","sentiment":"neutral","sentiment_score":0.03042260929942131},{"word":"oh","start":663.22504,"end":663.54504,"confidence":0.7770996,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.039042890071868896},{"word":"yeah","start":663.54504,"end":663.86505,"confidence":0.87109375,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.028812726959586143},{"word":"probably","start":663.86505,"end":664.36505,"confidence":0.96850586,"punctuated_word":"Probably.","sentiment":"neutral","sentiment_score":-0.03847234696149826},{"word":"let","start":666.185,"end":666.505,"confidence":0.8671875,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":-0.04212896153330803},{"word":"me","start":666.505,"end":666.745,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.03139006346464157},{"word":"think","start":666.745,"end":667.245,"confidence":0.9367676,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":-0.0347018763422966},{"word":"oh","start":668.98505,"end":669.145,"confidence":0.65148926,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.06472323834896088},{"word":"blah","start":669.145,"end":669.30505,"confidence":0.80078125,"punctuated_word":"blah","sentiment":"neutral","sentiment_score":-0.10193520784378052},{"word":"blah","start":669.30505,"end":669.465,"confidence":0.73339844,"punctuated_word":"blah","sentiment":"neutral","sentiment_score":-0.09965139627456664},{"word":"blah","start":669.465,"end":669.625,"confidence":0.9375,"punctuated_word":"blah","sentiment":"neutral","sentiment_score":-0.09525539726018906},{"word":"blah","start":669.625,"end":670.025,"confidence":0.7546387,"punctuated_word":"blah.","sentiment":"neutral","sentiment_score":-0.09857992082834244},{"word":"fuck","start":670.025,"end":670.34503,"confidence":0.98999023,"punctuated_word":"Fuck.","sentiment":"neutral","sentiment_score":-0.33033472299575806},{"word":"i","start":670.34503,"end":670.505,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10893736034631728},{"word":"could","start":670.505,"end":670.66504,"confidence":0.9604492,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.10023939609527588},{"word":"probably","start":670.66504,"end":671.065,"confidence":0.921875,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.09189317375421524},{"word":"check","start":671.065,"end":671.565,"confidence":0.99316406,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.10269096493721008},{"word":"on","start":671.705,"end":671.945,"confidence":0.7470703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09455631673336028},{"word":"hsbc","start":671.945,"end":672.445,"confidence":0.8173828,"punctuated_word":"HSBC.","sentiment":"neutral","sentiment_score":-0.07238863408565521},{"word":"yeah","start":681.17,"end":681.65,"confidence":0.98535156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.018142687156796455},{"word":"it","start":681.65,"end":681.81,"confidence":0.98291016,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.020768437534570697},{"word":"would","start":681.81,"end":681.97,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.017915308475494385},{"word":"be","start":681.97,"end":682.21,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.02184574492275715},{"word":"around","start":682.21,"end":682.61,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.028545062988996502},{"word":"that","start":682.61,"end":682.77,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03147882968187332},{"word":"because","start":682.77,"end":683.09,"confidence":0.92578125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.02767101116478443},{"word":"we","start":683.09,"end":683.33,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03360884636640549},{"word":"did","start":683.33,"end":683.57,"confidence":0.9941406,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.02126961201429367},{"word":"do","start":683.57,"end":683.73,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03390245884656906},{"word":"an","start":683.73,"end":684.05,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.03614171594381333},{"word":"equity","start":684.05,"end":684.55,"confidence":0.99902344,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":-0.020550796762108803},{"word":"release","start":684.69,"end":685.19,"confidence":0.9086914,"punctuated_word":"release","sentiment":"neutral","sentiment_score":-0.03872881084680557},{"word":"to","start":685.65,"end":685.81,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04254331439733505},{"word":"do","start":685.81,"end":686.05,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05580645799636841},{"word":"some","start":686.05,"end":686.37,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.04180489480495453},{"word":"work","start":686.37,"end":686.87,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.05007580295205116},{"word":"at","start":687.01,"end":687.41,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05042937397956848},{"word":"home","start":687.41,"end":687.91,"confidence":0.99316406,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":-0.04680469259619713},{"word":"i'm","start":688.825,"end":688.985,"confidence":0.9448242,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.054996341466903687},{"word":"just","start":688.985,"end":689.225,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05399145558476448},{"word":"gonna","start":689.225,"end":689.725,"confidence":0.9941406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.0501529648900032},{"word":"jump","start":689.785,"end":690.105,"confidence":0.9921875,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":-0.02864663116633892},{"word":"into","start":690.105,"end":690.605,"confidence":0.7841797,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.026437893509864807},{"word":"hsbc","start":690.745,"end":691.245,"confidence":0.9506836,"punctuated_word":"HSBC","sentiment":"neutral","sentiment_score":-0.03012025356292725},{"word":"and","start":692.025,"end":692.105,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.030371490865945816},{"word":"check","start":692.105,"end":692.605,"confidence":0.98999023,"punctuated_word":"check.","sentiment":"neutral","sentiment_score":-0.029023753479123116},{"word":"it","start":704.52,"end":704.68005,"confidence":0.56884766,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.4608365297317505},{"word":"feels","start":704.68005,"end":705.16003,"confidence":0.7324219,"punctuated_word":"feels","sentiment":"negative","sentiment_score":-0.4666324257850647},{"word":"fucking","start":705.16003,"end":705.48004,"confidence":0.92333984,"punctuated_word":"fucking","sentiment":"negative","sentiment_score":-0.5346683263778687},{"word":"let","start":705.56,"end":705.80005,"confidence":0.98291016,"punctuated_word":"let","sentiment":"negative","sentiment_score":-0.5770295858383179},{"word":"me","start":705.80005,"end":706.04004,"confidence":0.99902344,"punctuated_word":"me","sentiment":"negative","sentiment_score":-0.4867774248123169},{"word":"log","start":706.04004,"end":706.28,"confidence":0.43530273,"punctuated_word":"log","sentiment":"negative","sentiment_score":-0.47274497151374817},{"word":"in","start":706.28,"end":706.78,"confidence":0.9597168,"punctuated_word":"in.","sentiment":"negative","sentiment_score":-0.37470483779907227},{"word":"yeah","start":707.32,"end":707.82,"confidence":0.70617676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1833665370941162},{"word":"i","start":710.92004,"end":711.24005,"confidence":0.98535156,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3423561155796051},{"word":"i","start":711.24005,"end":711.32,"confidence":0.84472656,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.37236323952674866},{"word":"actually","start":711.32,"end":711.80005,"confidence":0.84814453,"punctuated_word":"actually","sentiment":"negative","sentiment_score":-0.3810135126113891},{"word":"detest","start":711.80005,"end":712.28,"confidence":0.7727051,"punctuated_word":"detest","sentiment":"negative","sentiment_score":-0.4575648903846741},{"word":"hsbc","start":712.28,"end":712.78,"confidence":0.87890625,"punctuated_word":"HSBC.","sentiment":"negative","sentiment_score":-0.3728511929512024},{"word":"their","start":713.08,"end":713.32,"confidence":0.9291992,"punctuated_word":"Their","sentiment":"negative","sentiment_score":-0.5138582587242126},{"word":"online","start":713.32,"end":713.72003,"confidence":0.99902344,"punctuated_word":"online","sentiment":"negative","sentiment_score":-0.4933111071586609},{"word":"banking","start":713.72003,"end":714.2,"confidence":1.0,"punctuated_word":"banking","sentiment":"negative","sentiment_score":-0.5360570549964905},{"word":"is","start":714.2,"end":714.7,"confidence":0.9760742,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.631639301776886},{"word":"bullshit","start":714.92004,"end":715.42004,"confidence":0.7468262,"punctuated_word":"bullshit,","sentiment":"negative","sentiment_score":-0.4986552596092224},{"word":"and","start":715.48004,"end":715.72003,"confidence":1.0,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3649805188179016},{"word":"they've","start":715.72003,"end":715.96,"confidence":0.74780273,"punctuated_word":"they've","sentiment":"negative","sentiment_score":-0.39434871077537537},{"word":"blocked","start":715.96,"end":716.28,"confidence":0.9892578,"punctuated_word":"blocked","sentiment":"negative","sentiment_score":-0.38516998291015625},{"word":"me","start":716.28,"end":716.44,"confidence":0.99902344,"punctuated_word":"me","sentiment":"negative","sentiment_score":-0.4414402842521667},{"word":"out","start":716.44,"end":716.60004,"confidence":0.84814453,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.41474631428718567},{"word":"the","start":716.60004,"end":716.76,"confidence":0.81591797,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.411281943321228},{"word":"app","start":716.76,"end":717.015,"confidence":0.76123047,"punctuated_word":"app.","sentiment":"negative","sentiment_score":-0.4181790351867676},{"word":"so","start":717.015,"end":717.175,"confidence":0.88964844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.26456189155578613},{"word":"i","start":717.175,"end":717.255,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.25424498319625854},{"word":"have","start":717.255,"end":717.335,"confidence":0.97265625,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2568153738975525},{"word":"to","start":717.335,"end":717.41504,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2483680248260498},{"word":"log","start":717.41504,"end":717.495,"confidence":0.9448242,"punctuated_word":"log","sentiment":"neutral","sentiment_score":-0.20851708948612213},{"word":"in","start":717.495,"end":717.895,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.18828853964805603},{"word":"via","start":717.895,"end":718.215,"confidence":0.95410156,"punctuated_word":"via","sentiment":"neutral","sentiment_score":-0.19351303577423096},{"word":"a","start":718.215,"end":718.29504,"confidence":0.68310547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.24722087383270264},{"word":"browser","start":718.29504,"end":718.695,"confidence":0.8491211,"punctuated_word":"browser,","sentiment":"neutral","sentiment_score":-0.26174628734588623},{"word":"which","start":718.695,"end":719.195,"confidence":0.9921875,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.31882166862487793},{"word":"is","start":719.495,"end":719.575,"confidence":0.78271484,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.36175116896629333},{"word":"fucking","start":719.575,"end":719.97504,"confidence":0.67871094,"punctuated_word":"fucking","sentiment":"negative","sentiment_score":-0.37777796387672424},{"word":"ridiculous","start":719.97504,"end":720.47504,"confidence":0.7056885,"punctuated_word":"ridiculous.","sentiment":"neutral","sentiment_score":-0.3061414957046509},{"word":"yeah","start":721.575,"end":721.815,"confidence":0.93969727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.14194756746292114},{"word":"no","start":721.815,"end":721.97504,"confidence":0.6951904,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.21317389607429504},{"word":"it's","start":721.97504,"end":722.29504,"confidence":0.98461914,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.22379188239574432},{"word":"a","start":722.29504,"end":722.375,"confidence":0.5878906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.26308006048202515},{"word":"bollock","start":722.375,"end":722.85504,"confidence":0.85095215,"punctuated_word":"bollock.","sentiment":"neutral","sentiment_score":-0.26127541065216064},{"word":"okay","start":722.85504,"end":723.255,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.07480296492576599},{"word":"so","start":723.255,"end":723.735,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.051608748733997345},{"word":"one","start":723.735,"end":724.235,"confidence":0.96875,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0776854157447815},{"word":"48","start":726.375,"end":727.755,"confidence":0.8183594,"punctuated_word":"48.","sentiment":"neutral","sentiment_score":-0.060671232640743256},{"word":"let","start":728.935,"end":729.335,"confidence":0.7236328,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":-0.06208976358175278},{"word":"me","start":729.335,"end":729.575,"confidence":0.9941406,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.05804944783449173},{"word":"scroll","start":729.575,"end":729.97504,"confidence":0.87597656,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":-0.05451967939734459},{"word":"down","start":729.97504,"end":730.47504,"confidence":0.68652344,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.05162647366523743},{"word":"alright","start":733.59,"end":734.07,"confidence":0.82373047,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":-0.03299000859260559},{"word":"148735","start":734.07,"end":736.71,"confidence":0.905256,"punctuated_word":"148735.","sentiment":"neutral","sentiment_score":-0.03045731782913208},{"word":"that's","start":736.71,"end":736.87,"confidence":0.61743164,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.08559262007474899},{"word":"not","start":736.87,"end":737.19,"confidence":0.9667969,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08403459191322327},{"word":"8","start":737.19,"end":737.69,"confidence":0.9699707,"punctuated_word":"8.","sentiment":"neutral","sentiment_score":-0.08884412050247192},{"word":"788","start":737.83,"end":739.21,"confidence":0.9593099,"punctuated_word":"788.","sentiment":"neutral","sentiment_score":-0.06746187061071396},{"word":"and","start":742.71,"end":742.95,"confidence":0.89746094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04946170747280121},{"word":"investment","start":742.95,"end":743.45,"confidence":0.7109375,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":-0.08224862813949585},{"word":"fuck","start":747.765,"end":748.265,"confidence":0.59155273,"punctuated_word":"Fuck.","sentiment":"neutral","sentiment_score":-0.29128119349479675},{"word":"it","start":749.405,"end":749.905,"confidence":0.23376465,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.2702970802783966},{"word":"doesn't","start":751.045,"end":751.365,"confidence":0.9597168,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.20190994441509247},{"word":"like","start":751.365,"end":751.685,"confidence":0.9970703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.30679386854171753},{"word":"me","start":751.685,"end":752.185,"confidence":0.81518555,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.22528153657913208},{"word":"i'm","start":752.565,"end":752.645,"confidence":0.96435547,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1226673275232315},{"word":"scrolling","start":752.645,"end":753.145,"confidence":0.99316406,"punctuated_word":"scrolling","sentiment":"neutral","sentiment_score":-0.10980521887540816},{"word":"on","start":753.285,"end":753.785,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.10701395571231842},{"word":"the","start":754.565,"end":755.065,"confidence":0.8676758,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11162865906953812},{"word":"browser","start":755.285,"end":755.785,"confidence":0.8395996,"punctuated_word":"browser,","sentiment":"neutral","sentiment_score":-0.128173828125},{"word":"which","start":755.845,"end":756.085,"confidence":0.9921875,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.10511815547943117},{"word":"is","start":756.085,"end":756.585,"confidence":0.95166016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07271859049797058},{"word":"super","start":756.805,"end":757.125,"confidence":0.6323242,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.22557541728019712},{"word":"annoying","start":757.125,"end":757.625,"confidence":0.9025879,"punctuated_word":"annoying.","sentiment":"neutral","sentiment_score":-0.21740451455116272},{"word":"yeah","start":763.24005,"end":763.74005,"confidence":0.9848633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.27840226888656616},{"word":"yeah","start":765.32,"end":765.72003,"confidence":0.97094727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.049110881984233856},{"word":"so","start":765.72003,"end":765.80005,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.034029413014650345},{"word":"yeah","start":765.88,"end":766.36005,"confidence":0.99902344,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.03383950889110565},{"word":"1.33","start":766.36005,"end":769.66003,"confidence":0.9529419,"punctuated_word":"1.33.","sentiment":"neutral","sentiment_score":-0.020106103271245956},{"word":"yeah","start":769.96,"end":770.36005,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02151051908731461},{"word":"probably","start":770.36005,"end":770.68005,"confidence":0.97314453,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.028987253084778786},{"word":"about","start":770.68005,"end":770.92004,"confidence":0.5812988,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":-0.03253331035375595},{"word":"like","start":770.92004,"end":771.16003,"confidence":0.9914551,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.03040210157632828},{"word":"1.45","start":771.16003,"end":772.78,"confidence":0.98999023,"punctuated_word":"1.45","sentiment":"neutral","sentiment_score":-0.02572055533528328},{"word":"ish","start":772.84,"end":773.175,"confidence":0.9785156,"punctuated_word":"ish","sentiment":"neutral","sentiment_score":-0.02622559294104576},{"word":"going","start":776.935,"end":777.255,"confidence":0.62072754,"punctuated_word":"going.","sentiment":"neutral","sentiment_score":-0.04610128700733185},{"word":"yeah","start":777.255,"end":777.495,"confidence":0.92700195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015016666613519192},{"word":"for","start":777.495,"end":777.735,"confidence":0.9980469,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.01096784509718418},{"word":"everything","start":777.735,"end":778.235,"confidence":0.9975586,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":-0.004569935612380505},{"word":"no","start":786.295,"end":786.75,"confidence":0.98876953,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0273298230022192},{"word":"yeah","start":812.005,"end":812.405,"confidence":0.77905273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0015642009675502775},{"word":"so","start":812.405,"end":812.645,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00118926540017128},{"word":"would","start":812.645,"end":812.885,"confidence":0.99609375,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.015490196645259855},{"word":"you","start":812.885,"end":813.04504,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02467517927289009},{"word":"say","start":813.04504,"end":813.28503,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.04218032956123352},{"word":"it's","start":813.28503,"end":813.525,"confidence":0.9951172,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0380052775144577},{"word":"it's","start":813.525,"end":813.81,"confidence":0.9875488,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.049437057226896286},{"word":"it's","start":813.81,"end":814.31,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.054259344935417175},{"word":"okay","start":816.4425,"end":816.9425,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.09010480344295502},{"word":"where","start":819.075,"end":819.575,"confidence":0.9970703,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.012208804488182068},{"word":"it","start":821.7075,"end":822.2075,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.005318574607372284},{"word":"is","start":824.33997,"end":824.83997,"confidence":0.99853516,"punctuated_word":"is?","sentiment":"neutral","sentiment_score":0.004583844915032387},{"word":"yep","start":826.9725,"end":827.4725,"confidence":0.85424805,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07359530031681061},{"word":"yeah","start":830.165,"end":830.665,"confidence":0.8935547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06722592562437057},{"word":"yeah","start":832.045,"end":832.545,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08205464482307434},{"word":"alright","start":833.925,"end":834.425,"confidence":0.78027344,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.20952419936656952},{"word":"sweetheart","start":834.485,"end":834.985,"confidence":0.69156903,"punctuated_word":"Sweetheart,","sentiment":"neutral","sentiment_score":0.26442551612854004},{"word":"let's","start":835.045,"end":835.20496,"confidence":0.92749023,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.28758102655410767},{"word":"do","start":835.20496,"end":835.445,"confidence":0.92333984,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.22743551433086395},{"word":"that","start":835.445,"end":835.76495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21650022268295288},{"word":"then","start":835.76495,"end":836.26495,"confidence":0.9921875,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.2048509418964386},{"word":"yeah","start":846.30005,"end":846.54004,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00041779130697250366},{"word":"i","start":846.54004,"end":846.7,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.012303024530410768},{"word":"don't","start":846.7,"end":847.18,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.014420977793633938},{"word":"i'm","start":847.5,"end":847.82,"confidence":0.739624,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.017977705225348473},{"word":"i","start":848.14,"end":848.54004,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03662285581231117},{"word":"paid","start":848.54004,"end":848.94,"confidence":0.5917969,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.03978572785854339},{"word":"that","start":848.94,"end":849.26,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.010596483945846558},{"word":"out","start":849.26,"end":849.76,"confidence":0.9641113,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.015986602753400803},{"word":"but","start":850.86005,"end":851.02,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.002386976033449173},{"word":"i","start":851.02,"end":851.18,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01564362272620201},{"word":"still","start":851.18,"end":851.42004,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.03012124076485634},{"word":"have","start":851.42004,"end":851.58,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02228057011961937},{"word":"the","start":851.58,"end":851.74005,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012083727866411207},{"word":"car","start":851.74005,"end":852.24005,"confidence":0.9995117,"punctuated_word":"car.","sentiment":"neutral","sentiment_score":0.02407716028392315},{"word":"no","start":864.325,"end":864.565,"confidence":0.8071289,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05885555222630501},{"word":"it's","start":864.565,"end":864.805,"confidence":0.7342529,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.04418826848268509},{"word":"a","start":864.805,"end":865.045,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.053857870399951935},{"word":"joe","start":865.045,"end":865.365,"confidence":0.47851562,"punctuated_word":"Joe","sentiment":"neutral","sentiment_score":-0.08634819835424423},{"word":"question","start":865.365,"end":865.685,"confidence":0.99316406,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.046267155557870865},{"word":"about","start":865.685,"end":866.005,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.07706078141927719},{"word":"crypto","start":866.005,"end":866.485,"confidence":0.7907715,"punctuated_word":"crypto.","sentiment":"neutral","sentiment_score":-0.08541006594896317},{"word":"probably","start":866.485,"end":866.885,"confidence":0.984375,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.1665826439857483},{"word":"not","start":866.885,"end":867.125,"confidence":0.94433594,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.1892321854829788},{"word":"i","start":867.125,"end":867.28503,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.21205031871795657},{"word":"reckon","start":867.28503,"end":867.525,"confidence":0.984375,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":-0.260057657957077},{"word":"it","start":867.525,"end":867.685,"confidence":0.7792969,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2773473858833313},{"word":"all","start":867.685,"end":867.925,"confidence":0.8120117,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.3389244079589844},{"word":"tanked","start":867.925,"end":868.425,"confidence":0.99153644,"punctuated_word":"tanked.","sentiment":"neutral","sentiment_score":-0.32812535762786865},{"word":"i","start":869.65,"end":869.89,"confidence":0.96533203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24809150397777557},{"word":"don't","start":869.89,"end":870.37,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.20327572524547577},{"word":"think","start":870.37,"end":870.77,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.1676747053861618},{"word":"so","start":870.77,"end":871.25,"confidence":0.98706055,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.16669854521751404},{"word":"no","start":871.25,"end":871.57,"confidence":0.9104004,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15346425771713257},{"word":"i","start":871.57,"end":871.73,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1484932005405426},{"word":"think","start":871.73,"end":872.05,"confidence":0.984375,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.13440456986427307},{"word":"that's","start":872.05,"end":872.37,"confidence":0.9916992,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.131598562002182},{"word":"it","start":872.37,"end":872.87,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.09852005541324615},{"word":"yep","start":879.65,"end":880.15,"confidence":0.97753906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11020542681217194},{"word":"yep","start":883.57,"end":884.055,"confidence":0.9719238,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05111207067966461},{"word":"for","start":888.935,"end":889.175,"confidence":0.48168945,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.009941928088665009},{"word":"what","start":889.175,"end":889.675,"confidence":0.9941406,"punctuated_word":"what?","sentiment":"neutral","sentiment_score":-0.01333161909133196},{"word":"no","start":910.23,"end":910.47003,"confidence":0.9609375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13616538047790527},{"word":"i","start":910.47003,"end":910.55,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1479754000902176},{"word":"don't","start":910.55,"end":910.79,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.093012236058712},{"word":"reckon","start":910.79,"end":911.29,"confidence":0.9909668,"punctuated_word":"reckon.","sentiment":"neutral","sentiment_score":-0.10836099088191986},{"word":"yep","start":922.52496,"end":923.02496,"confidence":0.9301758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08138193190097809},{"word":"yeah","start":928.01,"end":928.49,"confidence":0.9511719,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.036019667983055115},{"word":"we","start":928.49,"end":928.73,"confidence":0.9394531,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.06236758828163147},{"word":"put","start":928.73,"end":928.97003,"confidence":0.9448242,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.04501001536846161},{"word":"it","start":928.97003,"end":929.13,"confidence":0.9003906,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0597262978553772},{"word":"we","start":929.37,"end":929.45,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06880256533622742},{"word":"just","start":929.45,"end":929.77,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09997047483921052},{"word":"put","start":929.77,"end":930.27,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0476129874587059},{"word":"500","start":930.49,"end":931.31,"confidence":0.9995117,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.06906160712242126},{"word":"a","start":931.45,"end":931.61,"confidence":0.5214844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08786829560995102},{"word":"fortnight","start":931.61,"end":932.11,"confidence":0.93603516,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.04049346223473549},{"word":"into","start":933.77,"end":934.27,"confidence":0.9511719,"punctuated_word":"into,","sentiment":"neutral","sentiment_score":0.056690823286771774},{"word":"like","start":934.65,"end":935.15,"confidence":0.9951172,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05408041924238205},{"word":"a","start":935.45,"end":935.61,"confidence":0.921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05452969670295715},{"word":"offset","start":935.61,"end":936.11,"confidence":0.97509766,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.0486624538898468},{"word":"type","start":936.41003,"end":936.65,"confidence":0.9970703,"punctuated_word":"type","sentiment":"neutral","sentiment_score":0.030869336798787117},{"word":"thing","start":936.65,"end":937.15,"confidence":0.7583008,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.05493099242448807},{"word":"yes","start":939.22504,"end":939.465,"confidence":0.810791,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12216154485940932},{"word":"so","start":939.465,"end":939.705,"confidence":0.69873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1429961621761322},{"word":"we've","start":939.705,"end":939.945,"confidence":0.9609375,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.15464851260185242},{"word":"got","start":939.945,"end":940.265,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.19187048077583313},{"word":"that","start":940.265,"end":940.765,"confidence":0.8352051,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.16213637590408325},{"word":"obviously","start":941.705,"end":942.205,"confidence":0.9753418,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.10824905335903168},{"word":"once","start":942.265,"end":942.585,"confidence":0.9951172,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.15722841024398804},{"word":"my","start":942.585,"end":943.085,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1969355046749115},{"word":"kid","start":943.625,"end":943.945,"confidence":0.9921875,"punctuated_word":"kid","sentiment":"neutral","sentiment_score":0.1742599755525589},{"word":"is","start":943.945,"end":944.185,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1258050799369812},{"word":"out","start":944.185,"end":944.505,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12162360548973083},{"word":"of","start":944.505,"end":945.005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07239889353513718},{"word":"kindy","start":945.145,"end":945.645,"confidence":0.6722005,"punctuated_word":"Kindy,","sentiment":"neutral","sentiment_score":0.049278467893600464},{"word":"i","start":945.945,"end":946.10504,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.117856964468956},{"word":"will","start":946.10504,"end":946.425,"confidence":0.9902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.052594996988773346},{"word":"be","start":946.425,"end":946.925,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07916893064975739},{"word":"$30","start":947.305,"end":948.025,"confidence":0.75439453,"punctuated_word":"$30","sentiment":"neutral","sentiment_score":0.162811279296875},{"word":"a","start":948.025,"end":948.10504,"confidence":0.27685547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09343961626291276},{"word":"year","start":948.10504,"end":948.34503,"confidence":0.67297363,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.10063265264034273},{"word":"almost","start":948.34503,"end":948.825,"confidence":0.9482422,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":0.2043946087360382},{"word":"better","start":948.825,"end":949.065,"confidence":0.9941406,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.20746681094169617},{"word":"off","start":949.065,"end":949.305,"confidence":0.77685547,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.1834629774093628},{"word":"so","start":949.305,"end":949.465,"confidence":0.8984375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2056443691253662},{"word":"that","start":949.465,"end":949.625,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3281709551811218},{"word":"would","start":949.625,"end":949.78503,"confidence":0.8886719,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.32441872358322144},{"word":"be","start":949.78503,"end":949.945,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.31273987889289856},{"word":"nice","start":949.945,"end":950.4,"confidence":0.97094727,"punctuated_word":"nice.","sentiment":"neutral","sentiment_score":0.21969309449195865},{"word":"but","start":951.52,"end":951.76,"confidence":0.79785156,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.04228515923023224},{"word":"yeah","start":951.76,"end":952.26,"confidence":0.9716797,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.03850883990526199},{"word":"it's","start":952.56,"end":952.88,"confidence":0.98706055,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03358430042862892},{"word":"sort","start":952.88,"end":953.04004,"confidence":0.97509766,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03847314417362213},{"word":"of","start":953.04004,"end":953.36005,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015021700412034988},{"word":"one","start":953.36005,"end":953.60004,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0011510923504829409},{"word":"of","start":953.60004,"end":953.68005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030962292104959488},{"word":"those","start":953.68005,"end":953.84,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.04461511969566345},{"word":"where","start":953.84,"end":954.08,"confidence":0.9482422,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.0061116404831409454},{"word":"yeah","start":954.16003,"end":954.4,"confidence":0.9309082,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.008841758593916893},{"word":"well","start":954.4,"end":954.64,"confidence":0.8947754,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.007110411301255226},{"word":"at","start":954.64,"end":954.80005,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.026943407952785492},{"word":"the","start":954.80005,"end":954.88,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00985381007194519},{"word":"moment","start":954.88,"end":955.36005,"confidence":0.88061523,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.0010244827717542648},{"word":"yeah","start":955.36005,"end":955.60004,"confidence":0.9682617,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.012129751965403557},{"word":"like","start":955.60004,"end":955.92004,"confidence":0.9145508,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.025998694822192192},{"word":"our","start":955.92004,"end":956.24005,"confidence":0.9560547,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.02462713792920113},{"word":"educate","start":956.24005,"end":956.72003,"confidence":0.9892578,"punctuated_word":"educate","sentiment":"neutral","sentiment_score":0.02321872115135193},{"word":"our","start":956.80005,"end":957.30005,"confidence":0.9716797,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.006042566150426865},{"word":"education","start":957.36005,"end":957.86005,"confidence":1.0,"punctuated_word":"education","sentiment":"neutral","sentiment_score":0.011876698583364488},{"word":"fees","start":957.92004,"end":958.08,"confidence":0.9838867,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.0056680478155612946},{"word":"are","start":958.08,"end":958.24005,"confidence":0.93774414,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":-0.013121571391820908},{"word":"like","start":958.24005,"end":958.48004,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.005861280485987663},{"word":"$35","start":958.48004,"end":959.28,"confidence":0.998291,"punctuated_word":"$35","sentiment":"neutral","sentiment_score":-0.004893694072961807},{"word":"a","start":959.28,"end":959.36005,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.017451656982302666},{"word":"year","start":959.36005,"end":959.60004,"confidence":0.9536133,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.013778017833828926},{"word":"so","start":959.60004,"end":959.92004,"confidence":0.9562988,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.0015239054337143898},{"word":"like","start":959.92004,"end":960.32,"confidence":0.90356445,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.006231982260942459},{"word":"what","start":960.32,"end":960.48004,"confidence":0.6977539,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.007612213492393494},{"word":"sorry","start":960.64,"end":960.96,"confidence":0.73339844,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.00006408616900444031},{"word":"vienna's","start":960.96,"end":961.44,"confidence":0.71765137,"punctuated_word":"Vienna's","sentiment":"neutral","sentiment_score":0.0037438361905515194},{"word":"a","start":961.44,"end":961.60004,"confidence":0.5317383,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.013639887794852257},{"word":"$20","start":961.60004,"end":962.32,"confidence":0.9980469,"punctuated_word":"$20","sentiment":"neutral","sentiment_score":0.05142982304096222},{"word":"out","start":962.32,"end":962.48004,"confidence":0.9941406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.02142227068543434},{"word":"of","start":962.48004,"end":962.64,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0029999613761901855},{"word":"that","start":962.64,"end":962.88,"confidence":0.9501953,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.0029545556753873825},{"word":"so","start":962.88,"end":963.04004,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05617176368832588},{"word":"once","start":963.04004,"end":963.44,"confidence":0.97265625,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.07853730767965317},{"word":"she's","start":963.44,"end":963.68005,"confidence":0.9951172,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.08718465268611908},{"word":"out","start":963.68005,"end":963.92004,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.08653651177883148},{"word":"of","start":963.92004,"end":964.08,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07933793216943741},{"word":"kindy","start":964.08,"end":964.58,"confidence":0.8567708,"punctuated_word":"kindy,","sentiment":"neutral","sentiment_score":0.07726092636585236},{"word":"we'll","start":964.94495,"end":965.26495,"confidence":0.9902344,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.10263264179229736},{"word":"have","start":965.26495,"end":965.745,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10043679177761078},{"word":"and","start":965.82495,"end":965.985,"confidence":0.8339844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07656767219305038},{"word":"she","start":965.985,"end":966.225,"confidence":0.9980469,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.14045950770378113},{"word":"goes","start":966.225,"end":966.46497,"confidence":0.9970703,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.12524327635765076},{"word":"into","start":966.46497,"end":966.70496,"confidence":0.97998047,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1885783076286316},{"word":"lila's","start":966.70496,"end":967.20496,"confidence":0.9054362,"punctuated_word":"Lila's","sentiment":"neutral","sentiment_score":0.1467287242412567},{"word":"private","start":967.745,"end":968.225,"confidence":0.9970703,"punctuated_word":"private","sentiment":"neutral","sentiment_score":0.13798198103904724},{"word":"school","start":968.225,"end":968.545,"confidence":0.83984375,"punctuated_word":"school,","sentiment":"neutral","sentiment_score":0.12223469465970992},{"word":"which","start":968.545,"end":968.70496,"confidence":0.85498047,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1535470485687256},{"word":"is","start":968.70496,"end":968.865,"confidence":0.9863281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12591390311717987},{"word":"insane","start":968.865,"end":969.185,"confidence":0.9980469,"punctuated_word":"insane","sentiment":"neutral","sentiment_score":0.1342126578092575},{"word":"because","start":969.185,"end":969.50494,"confidence":0.49047852,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.13021114468574524},{"word":"we","start":969.50494,"end":969.58496,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15388129651546478},{"word":"save","start":969.58496,"end":969.90497,"confidence":0.95166016,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.17994661629199982},{"word":"money","start":969.90497,"end":970.225,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.15700434148311615},{"word":"by","start":970.225,"end":970.38495,"confidence":0.9873047,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.1203196346759796},{"word":"putting","start":970.38495,"end":970.625,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.12119770050048828},{"word":"her","start":970.625,"end":970.70496,"confidence":0.88671875,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.11263061314821245},{"word":"in","start":970.70496,"end":970.865,"confidence":0.98291016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08809158205986023},{"word":"private","start":970.865,"end":971.105,"confidence":0.99609375,"punctuated_word":"private","sentiment":"neutral","sentiment_score":0.07762254029512405},{"word":"school","start":971.105,"end":971.345,"confidence":0.76123047,"punctuated_word":"school,","sentiment":"neutral","sentiment_score":0.05768398195505142},{"word":"but","start":971.345,"end":971.58496,"confidence":0.95581055,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.0073797497898340225},{"word":"like","start":971.58496,"end":971.745,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.00181795097887516},{"word":"we'll","start":971.745,"end":971.985,"confidence":0.99365234,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.003300726413726806},{"word":"have","start":971.985,"end":972.225,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01040094718337059},{"word":"an","start":972.225,"end":972.38495,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.006769170053303242},{"word":"extra","start":972.38495,"end":972.785,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.1715933382511139},{"word":"maybe","start":972.785,"end":973.285,"confidence":0.8691406,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.1450531780719757},{"word":"if","start":973.425,"end":973.925,"confidence":0.32055664,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.21803979575634003},{"word":"it's","start":974.225,"end":974.46497,"confidence":0.9951172,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2128007858991623},{"word":"a","start":974.46497,"end":974.70496,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2659195363521576},{"word":"joke","start":974.70496,"end":975.02496,"confidence":0.9875488,"punctuated_word":"joke.","sentiment":"neutral","sentiment_score":-0.2735561430454254},{"word":"she","start":975.02496,"end":975.26495,"confidence":1.0,"punctuated_word":"She","sentiment":"neutral","sentiment_score":-0.2775561511516571},{"word":"sits","start":975.26495,"end":975.50494,"confidence":0.9790039,"punctuated_word":"sits","sentiment":"neutral","sentiment_score":-0.29202550649642944},{"word":"in","start":975.50494,"end":975.745,"confidence":0.9560547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.30101829767227173},{"word":"finger","start":975.745,"end":976.065,"confidence":0.80322266,"punctuated_word":"finger","sentiment":"neutral","sentiment_score":-0.2745721638202667},{"word":"paints","start":976.065,"end":976.305,"confidence":0.71435547,"punctuated_word":"paints","sentiment":"neutral","sentiment_score":-0.26410067081451416},{"word":"and","start":976.305,"end":976.545,"confidence":0.68359375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2329519689083099},{"word":"they","start":976.545,"end":976.625,"confidence":0.7739258,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.32346969842910767},{"word":"charge","start":976.625,"end":976.94495,"confidence":0.87353516,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":-0.2355713248252869},{"word":"just","start":976.94495,"end":977.185,"confidence":0.23986816,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.27917543053627014},{"word":"fucking","start":977.185,"end":977.50494,"confidence":0.98535156,"punctuated_word":"fucking","sentiment":"negative","sentiment_score":-0.34907013177871704},{"word":"$25","start":977.50494,"end":978.305,"confidence":0.99853516,"punctuated_word":"$25","sentiment":"negative","sentiment_score":-0.35369136929512024},{"word":"a","start":978.305,"end":978.38495,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2415134161710739},{"word":"year","start":978.38495,"end":978.81,"confidence":0.98095703,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.2849399447441101},{"word":"but","start":979.85,"end":979.97,"confidence":0.9716797,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.15740972757339478},{"word":"yeah","start":980.09,"end":980.59,"confidence":0.99658203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.13905522227287292},{"word":"oh","start":982.97,"end":983.37,"confidence":0.9375,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.1522662341594696},{"word":"it's","start":983.37,"end":983.52997,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1952064484357834},{"word":"just","start":983.52997,"end":984.02997,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.27680134773254395},{"word":"insane","start":984.17,"end":984.67,"confidence":0.91015625,"punctuated_word":"insane.","sentiment":"neutral","sentiment_score":-0.22805243730545044},{"word":"like","start":984.89,"end":985.29,"confidence":0.9667969,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.10210174322128296},{"word":"how","start":985.29,"end":985.61,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.13896000385284424},{"word":"how","start":985.61,"end":985.77,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.13754001259803772},{"word":"is","start":985.77,"end":986.09,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09564464539289474},{"word":"the","start":986.09,"end":986.25,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06374114751815796},{"word":"private","start":986.25,"end":986.73,"confidence":0.99902344,"punctuated_word":"private","sentiment":"neutral","sentiment_score":-0.05151422321796417},{"word":"school","start":986.73,"end":987.05,"confidence":0.9941406,"punctuated_word":"school","sentiment":"neutral","sentiment_score":-0.15862509608268738},{"word":"cheaper","start":987.05,"end":987.37,"confidence":0.99316406,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.0009727776050567628},{"word":"than","start":987.37,"end":987.61,"confidence":0.9863281,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.04215231537818909},{"word":"the","start":987.61,"end":987.69,"confidence":0.49047852,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06859049201011658},{"word":"kindy","start":987.69,"end":988.09,"confidence":0.6948242,"punctuated_word":"kindy?","sentiment":"neutral","sentiment_score":-0.13079841434955597},{"word":"like","start":988.09,"end":988.33,"confidence":0.9836426,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.08320243656635284},{"word":"she","start":988.33,"end":988.49,"confidence":0.9892578,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.12005648761987686},{"word":"literally","start":988.49,"end":988.89,"confidence":0.96875,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":-0.15529659390449524},{"word":"just","start":988.89,"end":989.13,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08844657987356186},{"word":"stands","start":989.13,"end":989.52997,"confidence":0.9770508,"punctuated_word":"stands","sentiment":"neutral","sentiment_score":-0.10614684969186784},{"word":"around","start":989.52997,"end":989.85,"confidence":0.99316406,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.0781431794166565},{"word":"and","start":989.85,"end":990.01,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09645326435565948},{"word":"covers","start":990.01,"end":990.49,"confidence":0.91845703,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":-0.10777674615383148},{"word":"herself","start":990.49,"end":990.81,"confidence":0.9838867,"punctuated_word":"herself","sentiment":"neutral","sentiment_score":-0.1138581559062004},{"word":"in","start":990.81,"end":990.97,"confidence":0.91748047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07160809636116028},{"word":"sand","start":990.97,"end":991.47,"confidence":0.8828125,"punctuated_word":"sand.","sentiment":"neutral","sentiment_score":-0.12393831461668016},{"word":"but","start":992.605,"end":992.845,"confidence":0.9941406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.007300674915313721},{"word":"yeah","start":992.925,"end":993.245,"confidence":0.9177246,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.027742883190512657},{"word":"so","start":993.245,"end":993.485,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10177434980869292},{"word":"once","start":993.485,"end":993.96497,"confidence":0.93359375,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.11837725341320038},{"word":"she's","start":993.96497,"end":994.46497,"confidence":0.8146159,"punctuated_word":"she's,","sentiment":"neutral","sentiment_score":0.12288008630275726},{"word":"like","start":994.605,"end":994.845,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.16159145534038544},{"word":"i","start":995.005,"end":995.165,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09421432018280028},{"word":"think","start":995.165,"end":995.40497,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.097223699092865},{"word":"once","start":995.40497,"end":995.725,"confidence":0.61035156,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.12751325964927673},{"word":"she's","start":995.725,"end":995.96497,"confidence":0.9975586,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.12576115131378174},{"word":"three","start":995.96497,"end":996.445,"confidence":0.97436523,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":0.13662773370742798},{"word":"she","start":996.445,"end":996.765,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.2098450064659119},{"word":"can","start":996.765,"end":996.925,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1454325020313263},{"word":"go","start":996.925,"end":997.165,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.14920175075531006},{"word":"into","start":997.165,"end":997.665,"confidence":0.9970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1672040969133377},{"word":"the","start":998.285,"end":998.785,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1304585039615631},{"word":"school's","start":999.165,"end":999.665,"confidence":0.92333984,"punctuated_word":"school's","sentiment":"neutral","sentiment_score":0.12474128603935242},{"word":"kindy","start":999.725,"end":1000.125,"confidence":0.9348958,"punctuated_word":"kindy,","sentiment":"neutral","sentiment_score":0.14286735653877258},{"word":"which","start":1000.125,"end":1000.365,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1981526017189026},{"word":"i","start":1000.365,"end":1000.52496,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2442489117383957},{"word":"do","start":1000.52496,"end":1000.765,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.26151520013809204},{"word":"think","start":1000.765,"end":1000.925,"confidence":0.99609375,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.2301383316516876},{"word":"is","start":1000.925,"end":1001.165,"confidence":0.9589844,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20982995629310608},{"word":"a","start":1001.165,"end":1001.245,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2142119258642197},{"word":"bit","start":1001.245,"end":1001.40497,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16973842680454254},{"word":"cheaper","start":1001.40497,"end":1001.725,"confidence":0.74072266,"punctuated_word":"cheaper.","sentiment":"neutral","sentiment_score":0.15357309579849243},{"word":"so","start":1001.725,"end":1001.885,"confidence":0.9892578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.283260703086853},{"word":"we'll","start":1001.885,"end":1002.125,"confidence":0.9797363,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.3516565263271332},{"word":"have","start":1002.125,"end":1002.285,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.41566795110702515},{"word":"a","start":1002.285,"end":1002.365,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3734033703804016},{"word":"bit","start":1002.365,"end":1002.52496,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.30382177233695984},{"word":"more","start":1002.52496,"end":1002.685,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2805960178375244},{"word":"of","start":1002.685,"end":1002.765,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2942395508289337},{"word":"a","start":1002.765,"end":1002.845,"confidence":0.9770508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3125259280204773},{"word":"surplus","start":1002.845,"end":1003.325,"confidence":0.8144531,"punctuated_word":"surplus,","sentiment":"neutral","sentiment_score":0.2995743155479431},{"word":"and","start":1003.325,"end":1003.485,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2675040066242218},{"word":"then","start":1003.485,"end":1003.64496,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.26538532972335815},{"word":"we'll","start":1003.64496,"end":1003.725,"confidence":0.99365234,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.28612133860588074},{"word":"hopefully","start":1003.725,"end":1004.125,"confidence":0.9326172,"punctuated_word":"hopefully","sentiment":"positive","sentiment_score":0.3551180958747864},{"word":"be","start":1004.125,"end":1004.285,"confidence":0.9770508,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3611668348312378},{"word":"able","start":1004.285,"end":1004.52,"confidence":0.96875,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.3073328137397766},{"word":"to","start":1004.52,"end":1004.68,"confidence":0.5488281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.33118927478790283},{"word":"start","start":1004.68,"end":1004.84,"confidence":0.9448242,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.3269250690937042},{"word":"putting","start":1004.84,"end":1005.0,"confidence":0.9243164,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.32934293150901794},{"word":"back","start":1005.0,"end":1005.24,"confidence":0.8432617,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.3221835196018219},{"word":"into","start":1005.24,"end":1005.48004,"confidence":0.9819336,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.30163007974624634},{"word":"the","start":1005.48004,"end":1005.64,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27549153566360474},{"word":"shared","start":1005.64,"end":1006.04004,"confidence":0.89990234,"punctuated_word":"shared","sentiment":"neutral","sentiment_score":0.28812870383262634},{"word":"portfolio","start":1006.04004,"end":1006.52,"confidence":0.9741211,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2504384219646454},{"word":"because","start":1006.52,"end":1006.76,"confidence":0.47314453,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.30242785811424255},{"word":"that's","start":1006.76,"end":1006.92004,"confidence":0.9921875,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2398992031812668},{"word":"what","start":1006.92004,"end":1007.08,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2413031905889511},{"word":"we","start":1007.08,"end":1007.24,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2468603402376175},{"word":"obviously","start":1007.24,"end":1007.64,"confidence":0.9277344,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.2495645433664322},{"word":"wanna","start":1007.64,"end":1007.96,"confidence":0.87597656,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2710779309272766},{"word":"be","start":1007.96,"end":1008.12,"confidence":0.9941406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2092690467834473},{"word":"doing","start":1008.12,"end":1008.62,"confidence":0.9916992,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":0.18567076325416565},{"word":"but","start":1009.08,"end":1009.32,"confidence":0.74072266,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.156198188662529},{"word":"yeah","start":1009.32,"end":1009.64,"confidence":0.98339844,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1758635938167572},{"word":"just","start":1009.64,"end":1009.88,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17823299765586853},{"word":"for","start":1009.88,"end":1009.96,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13421662151813507},{"word":"now","start":1009.96,"end":1010.28,"confidence":0.876709,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.16905179619789124},{"word":"we're","start":1010.28,"end":1010.52,"confidence":0.92626953,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2570067346096039},{"word":"we're","start":1010.52,"end":1010.84,"confidence":0.99560547,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.35111498832702637},{"word":"pretty","start":1010.84,"end":1011.24,"confidence":0.99609375,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4025075733661651},{"word":"good","start":1011.24,"end":1011.72003,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.32193613052368164},{"word":"just","start":1011.72003,"end":1012.04004,"confidence":0.9838867,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3722213506698608},{"word":"with","start":1012.04004,"end":1012.28,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.32490605115890503},{"word":"the","start":1012.28,"end":1012.44,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.33117133378982544},{"word":"offset","start":1012.44,"end":1012.92004,"confidence":0.9477539,"punctuated_word":"offset,","sentiment":"neutral","sentiment_score":0.23962965607643127},{"word":"i","start":1012.92004,"end":1013.08,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.31253108382225037},{"word":"think","start":1013.08,"end":1013.58,"confidence":0.99902344,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.22861579060554504},{"word":"yeah","start":1019.80005,"end":1020.165,"confidence":0.8269043,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08741943538188934},{"word":"we","start":1024.885,"end":1025.285,"confidence":0.9980469,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.17632299661636353},{"word":"wanna","start":1025.285,"end":1025.6849,"confidence":0.82958984,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.22588104009628296},{"word":"invest","start":1025.6849,"end":1026.005,"confidence":0.9970703,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.17124781012535095},{"word":"in","start":1026.005,"end":1026.165,"confidence":0.9741211,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.206168070435524},{"word":"more","start":1026.165,"end":1026.325,"confidence":0.8120117,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.19121053814888},{"word":"properties","start":1026.325,"end":1026.825,"confidence":0.97802734,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":0.18263448774814608},{"word":"because","start":1027.0449,"end":1027.5449,"confidence":0.9255371,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.23372533917427063},{"word":"like","start":1028.005,"end":1028.505,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2524460554122925},{"word":"we","start":1028.725,"end":1028.965,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2945500612258911},{"word":"obviously","start":1028.965,"end":1029.445,"confidence":0.93603516,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.19589772820472717},{"word":"came","start":1029.445,"end":1029.765,"confidence":0.94970703,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.27428895235061646},{"word":"to","start":1029.765,"end":1029.845,"confidence":0.9165039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21652889251708984},{"word":"this","start":1029.845,"end":1030.165,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2290571331977844},{"word":"country","start":1030.165,"end":1030.645,"confidence":1.0,"punctuated_word":"country","sentiment":"neutral","sentiment_score":0.1870853304862976},{"word":"late","start":1030.645,"end":1031.125,"confidence":0.9313965,"punctuated_word":"late.","sentiment":"neutral","sentiment_score":0.20803408324718475},{"word":"so","start":1031.125,"end":1031.625,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21750235557556152},{"word":"whilst","start":1032.645,"end":1033.0449,"confidence":0.68847656,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":0.26220884919166565},{"word":"you","start":1033.0449,"end":1033.285,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3469526171684265},{"word":"guys","start":1033.285,"end":1033.525,"confidence":0.99609375,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.33281609416007996},{"word":"are","start":1033.525,"end":1033.605,"confidence":0.8774414,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.33227312564849854},{"word":"obviously","start":1033.605,"end":1034.105,"confidence":0.9448242,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.2721308171749115},{"word":"helping","start":1034.245,"end":1034.645,"confidence":0.96875,"punctuated_word":"helping","sentiment":"positive","sentiment_score":0.3946109414100647},{"word":"you","start":1034.645,"end":1034.8049,"confidence":0.5214844,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.336081326007843},{"word":"build","start":1034.8049,"end":1035.0449,"confidence":0.90771484,"punctuated_word":"build,","sentiment":"neutral","sentiment_score":0.33003437519073486},{"word":"you","start":1035.0449,"end":1035.205,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3199053406715393},{"word":"got","start":1035.205,"end":1035.42,"confidence":0.95703125,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3667186498641968},{"word":"the","start":1035.42,"end":1035.66,"confidence":0.88720703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3558850586414337},{"word":"super","start":1035.66,"end":1036.02,"confidence":0.72265625,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.29384028911590576},{"word":"you","start":1036.02,"end":1036.38,"confidence":0.9707031,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24502792954444885},{"word":"you","start":1036.38,"end":1036.54,"confidence":0.91259766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28617358207702637},{"word":"still","start":1036.54,"end":1036.86,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2124357521533966},{"word":"don't","start":1036.86,"end":1037.02,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.16487130522727966},{"word":"wanna","start":1037.02,"end":1037.26,"confidence":0.91503906,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.19433289766311648},{"word":"just","start":1037.26,"end":1037.5,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11860118806362152},{"word":"hedge","start":1037.5,"end":1037.74,"confidence":0.8100586,"punctuated_word":"hedge","sentiment":"neutral","sentiment_score":0.0778203159570694},{"word":"your","start":1037.74,"end":1037.9,"confidence":0.72216797,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22115284204483032},{"word":"back","start":1037.9,"end":1038.14,"confidence":0.42285156,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.19861172139644623},{"word":"just","start":1038.14,"end":1038.38,"confidence":0.74560547,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20463089644908905},{"word":"on","start":1038.38,"end":1038.62,"confidence":0.97314453,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2682606875896454},{"word":"that","start":1038.62,"end":1038.86,"confidence":0.84155273,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.17236176133155823},{"word":"so","start":1038.86,"end":1039.1001,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24296115338802335},{"word":"we","start":1039.1001,"end":1039.26,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.31890198588371277},{"word":"wanna","start":1039.26,"end":1039.5801,"confidence":0.9589844,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.3663037419319153},{"word":"kind","start":1039.5801,"end":1039.74,"confidence":0.77001953,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.3122611343860626},{"word":"of","start":1039.74,"end":1039.9801,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3679945468902588},{"word":"keep","start":1039.9801,"end":1040.2201,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.3856713473796845},{"word":"building","start":1040.2201,"end":1040.62,"confidence":1.0,"punctuated_word":"building","sentiment":"positive","sentiment_score":0.4661954343318939},{"word":"up","start":1040.62,"end":1040.78,"confidence":0.9863281,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4263114631175995},{"word":"those","start":1040.78,"end":1041.18,"confidence":0.99121094,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.432441383600235},{"word":"assets","start":1041.18,"end":1041.66,"confidence":0.984375,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.06737320125102997},{"word":"we","start":1041.66,"end":1042.16,"confidence":0.9980469,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.005860373377799988},{"word":"we","start":1042.2201,"end":1042.4601,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.038986049592494965},{"word":"do","start":1042.4601,"end":1042.7001,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12117646634578703},{"word":"have","start":1042.7001,"end":1043.02,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06471952050924301},{"word":"financial","start":1043.02,"end":1043.52,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.024991795420646667},{"word":"approval","start":1043.5801,"end":1044.06,"confidence":0.9902344,"punctuated_word":"approval","sentiment":"neutral","sentiment_score":0.045315638184547424},{"word":"to","start":1044.06,"end":1044.2201,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08597496896982193},{"word":"purchase","start":1044.2201,"end":1044.7001,"confidence":0.9980469,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.07935941964387894},{"word":"another","start":1044.7001,"end":1045.2001,"confidence":0.9980469,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.07697281986474991},{"word":"property","start":1045.9,"end":1046.4,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.11733970046043396},{"word":"at","start":1046.4601,"end":1046.62,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0034759193658828735},{"word":"the","start":1046.62,"end":1046.7001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04042902588844299},{"word":"moment","start":1046.7001,"end":1047.2001,"confidence":0.9663086,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.06511764228343964},{"word":"but","start":1047.26,"end":1047.42,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.010586000978946686},{"word":"i","start":1047.42,"end":1047.5801,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19058987498283383},{"word":"just","start":1047.5801,"end":1047.8201,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.20110061764717105},{"word":"haven't","start":1047.8201,"end":1048.2201,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.23415642976760864},{"word":"found","start":1048.2201,"end":1048.54,"confidence":1.0,"punctuated_word":"found","sentiment":"negative","sentiment_score":-0.3564106225967407},{"word":"anything","start":1048.54,"end":1049.02,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"negative","sentiment_score":-0.3379283845424652},{"word":"that's","start":1049.02,"end":1049.265,"confidence":0.9782715,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.29831498861312866},{"word":"quite","start":1049.345,"end":1049.585,"confidence":1.0,"punctuated_word":"quite","sentiment":"negative","sentiment_score":-0.3550410568714142},{"word":"right","start":1049.585,"end":1049.745,"confidence":0.76171875,"punctuated_word":"right,","sentiment":"neutral","sentiment_score":-0.1396869421005249},{"word":"and","start":1049.745,"end":1049.985,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13224169611930847},{"word":"i","start":1049.985,"end":1050.145,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16568796336650848},{"word":"don't","start":1050.145,"end":1050.305,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.19007787108421328},{"word":"want","start":1050.305,"end":1050.705,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.28965479135513306},{"word":"negatively","start":1050.705,"end":1051.205,"confidence":0.9667969,"punctuated_word":"negatively","sentiment":"neutral","sentiment_score":-0.306022584438324},{"word":"geared","start":1051.265,"end":1051.585,"confidence":0.9824219,"punctuated_word":"geared.","sentiment":"negative","sentiment_score":-0.33606982231140137},{"word":"i","start":1051.585,"end":1051.745,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13287320733070374},{"word":"want","start":1051.745,"end":1051.905,"confidence":0.9970703,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.03671997785568237},{"word":"it","start":1051.905,"end":1052.0651,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09808632731437684},{"word":"to","start":1052.0651,"end":1052.225,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.007774472236633301},{"word":"be","start":1052.225,"end":1052.385,"confidence":0.92944336,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.07035844027996063},{"word":"like","start":1052.385,"end":1052.545,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.045055143535137177},{"word":"at","start":1052.545,"end":1052.705,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03671380877494812},{"word":"least","start":1052.705,"end":1053.105,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.17151576280593872},{"word":"breaking","start":1053.105,"end":1053.585,"confidence":0.96533203,"punctuated_word":"breaking","sentiment":"neutral","sentiment_score":-0.06350897252559662},{"word":"even","start":1053.585,"end":1053.985,"confidence":0.83569336,"punctuated_word":"even.","sentiment":"neutral","sentiment_score":-0.02654469758272171},{"word":"so","start":1053.985,"end":1054.485,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03013060986995697},{"word":"i'm","start":1054.785,"end":1055.105,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06461550295352936},{"word":"holding","start":1055.105,"end":1055.605,"confidence":1.0,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":-0.03781290352344513},{"word":"off","start":1055.665,"end":1056.0651,"confidence":0.9902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.0907074213027954},{"word":"until","start":1056.0651,"end":1056.5651,"confidence":0.99902344,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.1393371224403381},{"word":"the","start":1056.705,"end":1056.865,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2117292284965515},{"word":"property","start":1056.865,"end":1057.345,"confidence":0.99902344,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.23989418148994449},{"word":"market","start":1057.345,"end":1057.845,"confidence":0.99902344,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.26000529527664185},{"word":"comes","start":1058.0651,"end":1058.5651,"confidence":0.9003906,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.2672780156135559},{"word":"itself","start":1059.025,"end":1059.525,"confidence":0.9902344,"punctuated_word":"itself","sentiment":"neutral","sentiment_score":-0.207256942987442},{"word":"down","start":1059.665,"end":1059.905,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.1043376922607422},{"word":"because","start":1059.905,"end":1060.305,"confidence":0.8051758,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.239047572016716},{"word":"everything","start":1060.305,"end":1060.785,"confidence":1.0,"punctuated_word":"everything","sentiment":"negative","sentiment_score":-0.34088796377182007},{"word":"is","start":1060.785,"end":1061.025,"confidence":1.0,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3788187503814697},{"word":"just","start":1061.025,"end":1061.525,"confidence":1.0,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.35855430364608765},{"word":"insane","start":1061.905,"end":1062.405,"confidence":0.99902344,"punctuated_word":"insane","sentiment":"negative","sentiment_score":-0.34476083517074585},{"word":"still","start":1062.705,"end":1063.025,"confidence":0.9550781,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.2843395471572876},{"word":"at","start":1063.025,"end":1063.265,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2934393584728241},{"word":"the","start":1063.265,"end":1063.345,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24690473079681396},{"word":"moment","start":1063.345,"end":1063.845,"confidence":1.0,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.07221587747335434},{"word":"yeah","start":1070.28,"end":1070.78,"confidence":0.90527344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.014782635495066644},{"word":"yeah","start":1072.04,"end":1072.44,"confidence":0.9851074,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.021187329664826393},{"word":"exactly","start":1072.44,"end":1072.94,"confidence":0.9941406,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":-0.01559523306787014},{"word":"well","start":1075.24,"end":1075.48,"confidence":0.96875,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.03702167421579361},{"word":"that's","start":1075.48,"end":1075.8,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0665384978055954},{"word":"right","start":1075.8,"end":1076.2,"confidence":0.9802246,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.08696098625659943},{"word":"and","start":1076.2,"end":1076.44,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02359192632138729},{"word":"even","start":1076.44,"end":1076.76,"confidence":0.87939453,"punctuated_word":"even,","sentiment":"neutral","sentiment_score":0.013527799397706984},{"word":"like","start":1076.76,"end":1077.08,"confidence":0.9914551,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.004205599427223206},{"word":"looking","start":1077.08,"end":1077.58,"confidence":0.9741211,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.018570546060800552},{"word":"yeah","start":1078.36,"end":1078.86,"confidence":0.8522949,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.021695323288440704},{"word":"well","start":1088.845,"end":1089.345,"confidence":0.90527344,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.004888603463768959},{"word":"i","start":1089.805,"end":1090.045,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004754550755023956},{"word":"did","start":1090.045,"end":1090.365,"confidence":0.99121094,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.06125854700803757},{"word":"have","start":1090.365,"end":1090.605,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01038079708814621},{"word":"an","start":1090.605,"end":1090.765,"confidence":0.9892578,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.00762522965669632},{"word":"interest","start":1090.765,"end":1091.245,"confidence":0.9921875,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.01345023512840271},{"word":"in","start":1091.245,"end":1091.5651,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.002210453152656555},{"word":"commercial","start":1091.5651,"end":1092.0651,"confidence":0.9921875,"punctuated_word":"commercial.","sentiment":"neutral","sentiment_score":0.02343293279409409},{"word":"the","start":1092.2051,"end":1092.365,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.12188028544187546},{"word":"problem","start":1092.365,"end":1092.685,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":-0.1829299032688141},{"word":"is","start":1092.685,"end":1093.0851,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1823519617319107},{"word":"because","start":1093.0851,"end":1093.485,"confidence":0.7055664,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.20644190907478333},{"word":"we","start":1093.485,"end":1093.645,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.23826506733894348},{"word":"don't","start":1093.645,"end":1093.965,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.30323144793510437},{"word":"have","start":1093.965,"end":1094.125,"confidence":1.0,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.380500853061676},{"word":"a","start":1094.125,"end":1094.2051,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3307955265045166},{"word":"cash","start":1094.2051,"end":1094.605,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.2698651850223541},{"word":"deposit","start":1094.605,"end":1095.105,"confidence":0.9797363,"punctuated_word":"deposit,","sentiment":"neutral","sentiment_score":-0.2981271743774414},{"word":"the","start":1095.165,"end":1095.48,"confidence":0.9970703,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.33691608905792236},{"word":"property","start":1095.64,"end":1095.96,"confidence":0.984375,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.2347024083137512},{"word":"is","start":1095.96,"end":1096.04,"confidence":0.85058594,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2945220470428467},{"word":"effectively","start":1096.04,"end":1096.54,"confidence":0.9902344,"punctuated_word":"effectively","sentiment":"neutral","sentiment_score":-0.2750292122364044},{"word":"gonna","start":1096.6799,"end":1096.9199,"confidence":0.96777344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2919120788574219},{"word":"be","start":1096.9199,"end":1097.4199,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.3087422847747803},{"word":"100%","start":1097.72,"end":1098.78,"confidence":0.99934894,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":-0.22677262127399445},{"word":"mortgage","start":1099.0,"end":1099.5,"confidence":0.8713379,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":-0.28159087896347046},{"word":"and","start":1100.12,"end":1100.36,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.12499167025089264},{"word":"therefore","start":1100.36,"end":1100.86,"confidence":0.8383789,"punctuated_word":"therefore,","sentiment":"neutral","sentiment_score":-0.10226365923881532},{"word":"again","start":1101.24,"end":1101.72,"confidence":0.9980469,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.2149500846862793},{"word":"we","start":1101.72,"end":1101.88,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.27433687448501587},{"word":"have","start":1101.88,"end":1102.2,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.23542021214962008},{"word":"the","start":1102.2,"end":1102.36,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.257561057806015},{"word":"issue","start":1102.36,"end":1102.6799,"confidence":0.99902344,"punctuated_word":"issue","sentiment":"neutral","sentiment_score":-0.3325158655643463},{"word":"with","start":1102.6799,"end":1102.9199,"confidence":0.98535156,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.4359937310218811},{"word":"negative","start":1102.9199,"end":1103.4,"confidence":1.0,"punctuated_word":"negative","sentiment":"negative","sentiment_score":-0.41501832008361816},{"word":"gearing","start":1103.4,"end":1103.88,"confidence":0.9980469,"punctuated_word":"gearing","sentiment":"negative","sentiment_score":-0.5533806085586548},{"word":"with","start":1103.88,"end":1104.12,"confidence":0.99609375,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.5437098741531372},{"word":"commercial","start":1104.12,"end":1104.62,"confidence":1.0,"punctuated_word":"commercial","sentiment":"negative","sentiment_score":-0.5269513130187988},{"word":"tenancy","start":1104.6799,"end":1105.1799,"confidence":0.6459961,"punctuated_word":"tenancy.","sentiment":"negative","sentiment_score":-0.5097066164016724},{"word":"we","start":1105.7999,"end":1105.96,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.3282181918621063},{"word":"we're","start":1106.12,"end":1106.36,"confidence":0.7692871,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.3001769185066223},{"word":"we've","start":1106.44,"end":1106.76,"confidence":0.9248047,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.283526211977005},{"word":"been","start":1106.76,"end":1107.0,"confidence":0.93408203,"punctuated_word":"been,","sentiment":"neutral","sentiment_score":-0.2393267452716827},{"word":"like","start":1107.0,"end":1107.24,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2695245146751404},{"word":"preapproved","start":1107.24,"end":1107.74,"confidence":0.9280599,"punctuated_word":"preapproved.","sentiment":"neutral","sentiment_score":-0.23715870082378387},{"word":"we","start":1108.28,"end":1108.44,"confidence":0.9902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.2226146161556244},{"word":"said","start":1108.44,"end":1108.6,"confidence":0.6298828,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.21677616238594055},{"word":"we","start":1108.6,"end":1108.84,"confidence":0.9291992,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.23085661232471463},{"word":"can","start":1108.84,"end":1109.0,"confidence":0.8286133,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.190958634018898},{"word":"they","start":1109.08,"end":1109.4,"confidence":0.94970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.27974367141723633},{"word":"my","start":1109.48,"end":1109.64,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.30630773305892944},{"word":"broker","start":1109.64,"end":1109.985,"confidence":0.9970703,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":-0.222115695476532},{"word":"said","start":1110.065,"end":1110.225,"confidence":0.9873047,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.21594616770744324},{"word":"we","start":1110.225,"end":1110.385,"confidence":0.9707031,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.28414827585220337},{"word":"can","start":1110.385,"end":1110.465,"confidence":0.9941406,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2126814126968384},{"word":"sort","start":1110.465,"end":1110.705,"confidence":0.9482422,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.25590595602989197},{"word":"of","start":1110.705,"end":1110.945,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2315797507762909},{"word":"comfortably","start":1110.945,"end":1111.345,"confidence":0.9633789,"punctuated_word":"comfortably","sentiment":"neutral","sentiment_score":-0.23681126534938812},{"word":"get","start":1111.345,"end":1111.665,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.2788636088371277},{"word":"something","start":1111.665,"end":1111.905,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.27382808923721313},{"word":"around","start":1111.905,"end":1112.225,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.25439655780792236},{"word":"the","start":1112.225,"end":1112.385,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24281124770641327},{"word":"800,000","start":1112.385,"end":1113.4249,"confidence":0.9996745,"punctuated_word":"800,000","sentiment":"neutral","sentiment_score":-0.22674235701560977},{"word":"mark","start":1113.4249,"end":1113.9249,"confidence":0.9008789,"punctuated_word":"mark.","sentiment":"neutral","sentiment_score":-0.2450094074010849},{"word":"but","start":1114.545,"end":1114.705,"confidence":0.7375488,"punctuated_word":"But,","sentiment":"negative","sentiment_score":-0.35123211145401},{"word":"again","start":1114.705,"end":1115.205,"confidence":0.9995117,"punctuated_word":"again,","sentiment":"negative","sentiment_score":-0.4086216688156128},{"word":"like","start":1115.265,"end":1115.765,"confidence":0.99365234,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.3925513029098511},{"word":"you","start":1116.065,"end":1116.225,"confidence":0.93115234,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4658677279949188},{"word":"can't","start":1116.225,"end":1116.465,"confidence":0.9707031,"punctuated_word":"can't","sentiment":"negative","sentiment_score":-0.4863387942314148},{"word":"get","start":1116.465,"end":1116.865,"confidence":0.9980469,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.4835471212863922},{"word":"nothing","start":1116.865,"end":1117.265,"confidence":0.88964844,"punctuated_word":"nothing","sentiment":"negative","sentiment_score":-0.532497763633728},{"word":"for","start":1117.265,"end":1117.4249,"confidence":0.96777344,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.4887924790382385},{"word":"that","start":1117.4249,"end":1117.585,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4778642654418946},{"word":"on","start":1117.585,"end":1117.745,"confidence":0.9980469,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.4962645769119262},{"word":"the","start":1117.745,"end":1117.825,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.49147969484329224},{"word":"gold","start":1117.825,"end":1118.065,"confidence":0.8144531,"punctuated_word":"Gold","sentiment":"negative","sentiment_score":-0.4850865602493286},{"word":"coast","start":1118.065,"end":1118.385,"confidence":0.76708984,"punctuated_word":"Coast.","sentiment":"negative","sentiment_score":-0.41555821895599365},{"word":"and","start":1118.385,"end":1118.625,"confidence":0.9770508,"punctuated_word":"And","sentiment":"negative","sentiment_score":-0.4598783552646637},{"word":"even","start":1118.625,"end":1118.865,"confidence":0.9980469,"punctuated_word":"even","sentiment":"negative","sentiment_score":-0.4582107663154602},{"word":"if","start":1118.865,"end":1119.105,"confidence":1.0,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.5123486518859863},{"word":"you","start":1119.105,"end":1119.265,"confidence":0.9970703,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.589638888835907},{"word":"can","start":1119.265,"end":1119.665,"confidence":0.97680664,"punctuated_word":"can,","sentiment":"negative","sentiment_score":-0.5445396304130554},{"word":"like","start":1119.665,"end":1119.905,"confidence":0.9797363,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.44887274503707886},{"word":"you","start":1119.905,"end":1120.065,"confidence":0.98828125,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5639474987983704},{"word":"you're","start":1120.145,"end":1120.385,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.6378132104873657},{"word":"gonna","start":1120.385,"end":1120.625,"confidence":0.9902344,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.6313362121582031},{"word":"be","start":1120.625,"end":1120.785,"confidence":0.9970703,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.6700759530067444},{"word":"negatively","start":1120.785,"end":1121.285,"confidence":0.984375,"punctuated_word":"negatively","sentiment":"negative","sentiment_score":-0.635525107383728},{"word":"dead","start":1121.345,"end":1121.505,"confidence":0.72021484,"punctuated_word":"dead","sentiment":"negative","sentiment_score":-0.7570023536682129},{"word":"because","start":1121.505,"end":1121.745,"confidence":0.81347656,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.4991095364093781},{"word":"it's","start":1121.745,"end":1121.905,"confidence":0.98217773,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.6100966930389404},{"word":"only","start":1121.905,"end":1122.225,"confidence":0.984375,"punctuated_word":"only","sentiment":"negative","sentiment_score":-0.590913712978363},{"word":"let","start":1122.225,"end":1122.465,"confidence":0.96777344,"punctuated_word":"let","sentiment":"negative","sentiment_score":-0.6266189813613892},{"word":"out","start":1122.465,"end":1122.625,"confidence":0.9951172,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.5204571485519409},{"word":"for","start":1122.625,"end":1122.865,"confidence":0.9902344,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.5453287959098816},{"word":"fucking","start":1122.865,"end":1123.365,"confidence":0.9819336,"punctuated_word":"fucking","sentiment":"negative","sentiment_score":-0.6531936526298523},{"word":"800","start":1123.49,"end":1123.89,"confidence":0.97314453,"punctuated_word":"800","sentiment":"negative","sentiment_score":-0.6400608420372009},{"word":"a","start":1123.89,"end":1124.05,"confidence":0.99316406,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5385638475418091},{"word":"week","start":1124.05,"end":1124.29,"confidence":0.77001953,"punctuated_word":"week,","sentiment":"negative","sentiment_score":-0.5602993369102478},{"word":"and","start":1124.29,"end":1124.37,"confidence":0.99902344,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4848061501979828},{"word":"you","start":1124.37,"end":1124.53,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.510021448135376},{"word":"need","start":1124.53,"end":1124.6901,"confidence":0.99902344,"punctuated_word":"need","sentiment":"negative","sentiment_score":-0.5537155866622925},{"word":"a","start":1124.6901,"end":1124.85,"confidence":0.8769531,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5566126108169556},{"word":"grand","start":1124.85,"end":1125.0901,"confidence":0.99316406,"punctuated_word":"grand","sentiment":"negative","sentiment_score":-0.48754772543907166},{"word":"a","start":1125.0901,"end":1125.25,"confidence":0.99121094,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.47242647409439087},{"word":"week","start":1125.25,"end":1125.49,"confidence":1.0,"punctuated_word":"week","sentiment":"negative","sentiment_score":-0.41736453771591187},{"word":"just","start":1125.49,"end":1125.73,"confidence":0.9970703,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.4827126264572144},{"word":"to","start":1125.73,"end":1125.81,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5222678780555725},{"word":"cover","start":1125.81,"end":1126.05,"confidence":1.0,"punctuated_word":"cover","sentiment":"negative","sentiment_score":-0.4847675561904907},{"word":"the","start":1126.05,"end":1126.29,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5074552297592163},{"word":"mortgage","start":1126.29,"end":1126.79,"confidence":0.9914551,"punctuated_word":"mortgage.","sentiment":"negative","sentiment_score":-0.4444660246372223},{"word":"and","start":1127.65,"end":1127.89,"confidence":0.9003906,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.15440574288368225},{"word":"then","start":1127.89,"end":1128.05,"confidence":0.921875,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.11978665739297868},{"word":"i","start":1128.05,"end":1128.2101,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11151068657636642},{"word":"looked","start":1128.2101,"end":1128.4501,"confidence":0.98535156,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.16265703737735748},{"word":"at","start":1128.4501,"end":1128.77,"confidence":0.6118164,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.15539957582950592},{"word":"further","start":1128.77,"end":1129.25,"confidence":0.5595703,"punctuated_word":"further","sentiment":"neutral","sentiment_score":-0.14588405191898346},{"word":"out","start":1129.25,"end":1129.5701,"confidence":0.74731445,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.09201714396476746},{"word":"so","start":1129.5701,"end":1129.81,"confidence":0.95166016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08445581793785095},{"word":"i","start":1129.81,"end":1129.89,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09409430623054504},{"word":"looked","start":1129.89,"end":1130.2101,"confidence":0.9951172,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.10153956711292268},{"word":"as","start":1130.2101,"end":1130.53,"confidence":0.8769531,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.11358852684497832},{"word":"far","start":1130.53,"end":1130.77,"confidence":1.0,"punctuated_word":"far","sentiment":"neutral","sentiment_score":-0.1490030586719513},{"word":"out","start":1130.77,"end":1131.0901,"confidence":0.9838867,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1162838339805603},{"word":"as","start":1131.0901,"end":1131.3301,"confidence":0.9838867,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.13847428560256958},{"word":"bloody","start":1131.3301,"end":1131.8301,"confidence":0.93115234,"punctuated_word":"bloody","sentiment":"neutral","sentiment_score":-0.19524678587913513},{"word":"mount","start":1131.9701,"end":1132.4501,"confidence":0.9375,"punctuated_word":"Mount","sentiment":"neutral","sentiment_score":-0.21370750665664673},{"word":"isa","start":1132.4501,"end":1132.77,"confidence":0.91796875,"punctuated_word":"Isa,","sentiment":"neutral","sentiment_score":-0.18457454442977905},{"word":"but","start":1132.77,"end":1132.93,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.18862652778625488},{"word":"then","start":1132.93,"end":1133.17,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.23676037788391113},{"word":"there's","start":1133.17,"end":1133.41,"confidence":0.9980469,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.2593104839324951},{"word":"a","start":1133.41,"end":1133.5701,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.30658599734306335},{"word":"whole","start":1133.5701,"end":1133.81,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.31392955780029297},{"word":"ramification","start":1133.81,"end":1134.31,"confidence":0.9885254,"punctuated_word":"ramification","sentiment":"neutral","sentiment_score":-0.31376802921295166},{"word":"about","start":1134.77,"end":1135.25,"confidence":1.0,"punctuated_word":"about","sentiment":"negative","sentiment_score":-0.3964695632457733},{"word":"borrowing","start":1135.25,"end":1135.73,"confidence":0.99902344,"punctuated_word":"borrowing","sentiment":"negative","sentiment_score":-0.38998496532440186},{"word":"from","start":1135.73,"end":1135.9701,"confidence":0.7939453,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.4015569686889648},{"word":"mount","start":1135.9701,"end":1136.2101,"confidence":0.99316406,"punctuated_word":"Mount","sentiment":"negative","sentiment_score":-0.40216198563575745},{"word":"isa","start":1136.2101,"end":1136.53,"confidence":0.9970703,"punctuated_word":"Isa","sentiment":"negative","sentiment_score":-0.3772013187408447},{"word":"because","start":1136.53,"end":1136.77,"confidence":0.8964844,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.34390753507614136},{"word":"it's","start":1136.77,"end":1136.85,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.395011842250824},{"word":"a","start":1136.85,"end":1137.01,"confidence":0.9863281,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4308716356754303},{"word":"high","start":1137.01,"end":1137.25,"confidence":0.9951172,"punctuated_word":"high","sentiment":"negative","sentiment_score":-0.4508928656578064},{"word":"risk","start":1137.25,"end":1137.49,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.43003711104393005},{"word":"area","start":1137.49,"end":1137.99,"confidence":0.83447266,"punctuated_word":"area.","sentiment":"negative","sentiment_score":-0.4112179577350617},{"word":"because","start":1138.285,"end":1138.525,"confidence":0.9658203,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.3056654930114746},{"word":"there's","start":1138.525,"end":1138.605,"confidence":0.9941406,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.2915053367614746},{"word":"some","start":1138.605,"end":1139.085,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.2370685189962387},{"word":"really","start":1139.085,"end":1139.405,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.26692837476730347},{"word":"good","start":1139.405,"end":1139.725,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.10560567677021028},{"word":"cash","start":1139.725,"end":1139.965,"confidence":0.99902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.14715710282325745},{"word":"flow","start":1139.965,"end":1140.285,"confidence":0.96972656,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":-0.16455292701721191},{"word":"properties","start":1140.285,"end":1140.785,"confidence":0.9970703,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":-0.17089566588401794},{"word":"out","start":1141.005,"end":1141.245,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.19991223514080048},{"word":"there","start":1141.245,"end":1141.745,"confidence":0.90600586,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.2604076862335205},{"word":"but","start":1141.805,"end":1142.045,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.2651572823524475},{"word":"it's","start":1142.045,"end":1142.285,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.4221067428588867},{"word":"obviously","start":1142.285,"end":1142.785,"confidence":0.9580078,"punctuated_word":"obviously","sentiment":"negative","sentiment_score":-0.44381600618362427},{"word":"really","start":1142.845,"end":1143.085,"confidence":0.9902344,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.438053846359253},{"word":"high","start":1143.085,"end":1143.405,"confidence":0.99902344,"punctuated_word":"high","sentiment":"negative","sentiment_score":-0.43341532349586487},{"word":"risk","start":1143.405,"end":1143.885,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.42828258872032166},{"word":"too","start":1143.885,"end":1144.205,"confidence":0.9819336,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.4773102402687073},{"word":"because","start":1144.205,"end":1144.605,"confidence":0.65234375,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.36236217617988586},{"word":"if","start":1144.605,"end":1144.765,"confidence":0.9941406,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.4221123456954956},{"word":"the","start":1144.765,"end":1145.005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4642302095890045},{"word":"mine","start":1145.005,"end":1145.325,"confidence":0.98291016,"punctuated_word":"mine","sentiment":"negative","sentiment_score":-0.45845139026641846},{"word":"closes","start":1145.325,"end":1145.805,"confidence":0.9291992,"punctuated_word":"closes,","sentiment":"negative","sentiment_score":-0.5095729827880859},{"word":"you're","start":1145.805,"end":1146.045,"confidence":0.9584961,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.5708702206611633},{"word":"screwed","start":1146.045,"end":1146.445,"confidence":1.0,"punctuated_word":"screwed","sentiment":"negative","sentiment_score":-0.5035024881362915},{"word":"because","start":1146.445,"end":1146.685,"confidence":0.8305664,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.38939887285232544},{"word":"then","start":1146.685,"end":1146.925,"confidence":0.984375,"punctuated_word":"then","sentiment":"negative","sentiment_score":-0.4550569355487823},{"word":"there's","start":1146.925,"end":1147.165,"confidence":0.99316406,"punctuated_word":"there's","sentiment":"negative","sentiment_score":-0.4691174924373626},{"word":"no","start":1147.165,"end":1147.405,"confidence":0.9980469,"punctuated_word":"no","sentiment":"negative","sentiment_score":-0.4601149260997772},{"word":"one","start":1147.405,"end":1147.565,"confidence":0.984375,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.497737318277359},{"word":"to","start":1147.565,"end":1147.725,"confidence":0.99609375,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.48206666111946106},{"word":"live","start":1147.725,"end":1147.965,"confidence":0.9941406,"punctuated_word":"live","sentiment":"negative","sentiment_score":-0.4952728748321533},{"word":"in","start":1147.965,"end":1148.205,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4661596715450287},{"word":"the","start":1148.205,"end":1148.285,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.46927377581596375},{"word":"house","start":1148.285,"end":1148.785,"confidence":0.99560547,"punctuated_word":"house.","sentiment":"negative","sentiment_score":-0.393035888671875},{"word":"so","start":1150.285,"end":1150.785,"confidence":0.7807617,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.1527092456817627},{"word":"yes","start":1150.925,"end":1151.245,"confidence":0.95703125,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":-0.04973900318145752},{"word":"i","start":1151.245,"end":1151.485,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18164248764514923},{"word":"have","start":1151.485,"end":1151.725,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1619369089603424},{"word":"been","start":1151.725,"end":1151.965,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.12789946794509888},{"word":"looking","start":1151.965,"end":1152.445,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.19274547696113584},{"word":"exactly","start":1155.7,"end":1155.86,"confidence":0.85839844,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":-0.07288961857557297},{"word":"so","start":1155.86,"end":1156.1,"confidence":0.65283203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.16970571875572205},{"word":"it's","start":1156.1,"end":1156.4199,"confidence":0.87768555,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2225790023803711},{"word":"it's","start":1156.4199,"end":1156.5,"confidence":0.8469238,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2593781352043152},{"word":"just","start":1156.5,"end":1156.62,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.24654866755008695},{"word":"it's","start":1156.74,"end":1157.14,"confidence":0.9309082,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.3823086619377136},{"word":"a","start":1157.14,"end":1157.38,"confidence":0.97998047,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.38397085666656494},{"word":"risky","start":1157.38,"end":1157.86,"confidence":0.9760742,"punctuated_word":"risky","sentiment":"negative","sentiment_score":-0.4091741442680359},{"word":"time","start":1157.86,"end":1158.26,"confidence":0.9658203,"punctuated_word":"time.","sentiment":"negative","sentiment_score":-0.35378801822662354},{"word":"like","start":1158.26,"end":1158.5,"confidence":0.99365234,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.22037804126739505},{"word":"i'm","start":1158.5,"end":1158.66,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.20522555708885193},{"word":"not","start":1158.66,"end":1158.9,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1558738350868225},{"word":"opposed","start":1158.9,"end":1159.22,"confidence":0.9970703,"punctuated_word":"opposed","sentiment":"neutral","sentiment_score":-0.31607362627983093},{"word":"to","start":1159.22,"end":1159.46,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1831483244895935},{"word":"investing","start":1159.46,"end":1159.94,"confidence":1.0,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":-0.21050462126731873},{"word":"now","start":1159.94,"end":1160.1,"confidence":0.9724121,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.11665648967027664},{"word":"i","start":1160.1,"end":1160.26,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3461575508117676},{"word":"just","start":1160.26,"end":1160.4199,"confidence":0.9951172,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.338206946849823},{"word":"i","start":1160.5,"end":1160.66,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.48290881514549255},{"word":"genuinely","start":1160.66,"end":1161.16,"confidence":0.97802734,"punctuated_word":"genuinely","sentiment":"negative","sentiment_score":-0.45743271708488464},{"word":"just","start":1161.22,"end":1161.46,"confidence":0.9980469,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.45137110352516174},{"word":"haven't","start":1161.46,"end":1161.78,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"negative","sentiment_score":-0.5280221104621887},{"word":"found","start":1161.78,"end":1162.1,"confidence":0.9980469,"punctuated_word":"found","sentiment":"negative","sentiment_score":-0.47883516550064087},{"word":"the","start":1162.1,"end":1162.26,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4643996059894562},{"word":"right","start":1162.26,"end":1162.76,"confidence":1.0,"punctuated_word":"right","sentiment":"negative","sentiment_score":-0.4049137830734253},{"word":"option","start":1163.46,"end":1163.96,"confidence":0.85839844,"punctuated_word":"option.","sentiment":"negative","sentiment_score":-0.4250038266181946},{"word":"and","start":1164.1,"end":1164.34,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.18488718569278717},{"word":"then","start":1164.34,"end":1164.74,"confidence":0.8041992,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.139677494764328},{"word":"yeah","start":1164.74,"end":1164.98,"confidence":0.984375,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.13033437728881836},{"word":"like","start":1164.98,"end":1165.22,"confidence":0.9692383,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1279934048652649},{"word":"you","start":1165.22,"end":1165.38,"confidence":0.984375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16824235022068024},{"word":"can","start":1165.38,"end":1165.5399,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1334472298622131},{"word":"get","start":1165.5399,"end":1165.78,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1669749617576599},{"word":"cheap","start":1165.78,"end":1166.02,"confidence":0.9970703,"punctuated_word":"cheap","sentiment":"neutral","sentiment_score":-0.09875074774026872},{"word":"properties","start":1166.02,"end":1166.52,"confidence":0.9951172,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":-0.1017664521932602},{"word":"down","start":1166.58,"end":1166.74,"confidence":0.9970703,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.12761811912059784},{"word":"in","start":1166.74,"end":1166.98,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1635039895772934},{"word":"melbourne","start":1166.98,"end":1167.46,"confidence":0.951416,"punctuated_word":"Melbourne,","sentiment":"neutral","sentiment_score":-0.1358513981103897},{"word":"but","start":1167.46,"end":1167.62,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.12286993861198424},{"word":"there's","start":1167.62,"end":1168.005,"confidence":0.99365234,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.2412051409482956},{"word":"500","start":1168.405,"end":1169.205,"confidence":1.0,"punctuated_word":"500","sentiment":"neutral","sentiment_score":-0.15841355919837952},{"word":"apartments","start":1169.205,"end":1169.705,"confidence":0.984375,"punctuated_word":"apartments","sentiment":"neutral","sentiment_score":-0.085825115442276},{"word":"that","start":1169.845,"end":1170.005,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16246084868907928},{"word":"look","start":1170.005,"end":1170.165,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.09415778517723083},{"word":"exactly","start":1170.165,"end":1170.645,"confidence":1.0,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":-0.0772562325000763},{"word":"the","start":1170.645,"end":1170.805,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1256582736968994},{"word":"same","start":1170.805,"end":1171.045,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.07283636182546616},{"word":"that","start":1171.045,"end":1171.205,"confidence":0.93847656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08550440520048141},{"word":"are","start":1171.205,"end":1171.285,"confidence":0.9902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.12262618541717528},{"word":"all","start":1171.285,"end":1171.525,"confidence":0.9941406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.07948767393827438},{"word":"up","start":1171.525,"end":1171.685,"confidence":0.9819336,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.08918341249227524},{"word":"for","start":1171.685,"end":1171.925,"confidence":0.8881836,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.11497335135936736},{"word":"rent","start":1171.925,"end":1172.165,"confidence":0.8864746,"punctuated_word":"rent.","sentiment":"neutral","sentiment_score":-0.1429910510778427},{"word":"so","start":1172.165,"end":1172.405,"confidence":0.9790039,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08864885568618774},{"word":"you","start":1172.405,"end":1172.485,"confidence":0.7470703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1409025341272354},{"word":"then","start":1172.485,"end":1172.645,"confidence":0.6557617,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.09148094058036804},{"word":"you","start":1172.645,"end":1172.725,"confidence":0.5654297,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13045431673526764},{"word":"kinda","start":1172.725,"end":1173.125,"confidence":0.55163574,"punctuated_word":"kinda,","sentiment":"neutral","sentiment_score":-0.09359928220510484},{"word":"like","start":1173.125,"end":1173.285,"confidence":0.92456055,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.08775026351213455},{"word":"well","start":1173.285,"end":1173.445,"confidence":0.9343262,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.08960150182247162},{"word":"how","start":1173.445,"end":1173.685,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.11997206509113312},{"word":"likely","start":1173.685,"end":1174.085,"confidence":0.99902344,"punctuated_word":"likely","sentiment":"neutral","sentiment_score":-0.09343913942575456},{"word":"am","start":1174.085,"end":1174.245,"confidence":0.97802734,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.1136959344148636},{"word":"i","start":1174.245,"end":1174.405,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11393097788095474},{"word":"to","start":1174.405,"end":1174.5651,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16836458444595337},{"word":"get","start":1174.5651,"end":1174.805,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1581471860408783},{"word":"a","start":1174.805,"end":1174.885,"confidence":0.52783203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.125320166349411},{"word":"tenant","start":1174.885,"end":1175.385,"confidence":0.99609375,"punctuated_word":"tenant","sentiment":"neutral","sentiment_score":-0.04143250733613968},{"word":"in","start":1175.925,"end":1176.085,"confidence":0.9770508,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1004740670323372},{"word":"yeah","start":1176.245,"end":1176.725,"confidence":0.8642578,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.08113840967416763},{"word":"so","start":1176.725,"end":1176.845,"confidence":0.7080078,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00045135244727134705},{"word":"yeah","start":1176.965,"end":1177.205,"confidence":0.9980469,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01262030564248562},{"word":"lots","start":1177.205,"end":1177.525,"confidence":0.9863281,"punctuated_word":"Lots","sentiment":"neutral","sentiment_score":-0.018272586166858673},{"word":"of","start":1177.525,"end":1177.765,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0008625537157058716},{"word":"moving","start":1177.765,"end":1178.165,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":-0.00848400965332985},{"word":"parts","start":1178.165,"end":1178.485,"confidence":0.9951172,"punctuated_word":"parts","sentiment":"neutral","sentiment_score":-0.010373566299676895},{"word":"with","start":1178.485,"end":1178.725,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.015711449086666107},{"word":"that","start":1178.725,"end":1178.885,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.030258677899837497},{"word":"one","start":1178.885,"end":1179.045,"confidence":0.7702637,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.036069322377443314},{"word":"but","start":1179.045,"end":1179.285,"confidence":0.7108154,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.03039045631885529},{"word":"yes","start":1179.285,"end":1179.765,"confidence":0.79785156,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":-0.02320987358689308},{"word":"in","start":1179.765,"end":1180.005,"confidence":0.9086914,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04594326391816139},{"word":"that","start":1180.165,"end":1180.325,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0752832293510437},{"word":"was","start":1180.325,"end":1180.485,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.08681802451610565},{"word":"a","start":1180.485,"end":1180.5651,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05111006647348404},{"word":"very","start":1180.5651,"end":1180.805,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.07985767722129822},{"word":"long","start":1180.805,"end":1181.045,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.07524918019771576},{"word":"winded","start":1181.045,"end":1181.445,"confidence":0.9946289,"punctuated_word":"winded","sentiment":"neutral","sentiment_score":-0.03722803294658661},{"word":"way","start":1181.445,"end":1181.605,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.028520170599222183},{"word":"of","start":1181.605,"end":1181.685,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.037421416491270065},{"word":"saying","start":1181.685,"end":1181.925,"confidence":0.88134766,"punctuated_word":"saying,","sentiment":"neutral","sentiment_score":-0.00791829451918602},{"word":"yes","start":1181.925,"end":1182.165,"confidence":0.767334,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.01422112062573433},{"word":"we","start":1182.165,"end":1182.245,"confidence":0.99609375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.0034455209970474243},{"word":"will","start":1182.245,"end":1182.485,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.002483159303665161},{"word":"be","start":1182.485,"end":1182.645,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.014884434640407562},{"word":"buying","start":1182.645,"end":1182.885,"confidence":0.99121094,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":-0.025290843099355698},{"word":"more","start":1182.885,"end":1183.045,"confidence":0.9951172,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.04770968109369278},{"word":"property","start":1183.045,"end":1183.545,"confidence":0.7541504,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":-0.034337084740400314},{"word":"but","start":1184.16,"end":1184.4,"confidence":0.9941406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0208156518638134},{"word":"just","start":1184.4,"end":1184.64,"confidence":0.96777344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06362149864435196},{"word":"not","start":1184.64,"end":1184.88,"confidence":0.99609375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.05454343557357788},{"word":"yet","start":1184.88,"end":1185.38,"confidence":0.96655273,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.07478976994752884},{"word":"can","start":1190.64,"end":1190.8,"confidence":0.4399414,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.08287754654884338},{"word":"you","start":1190.8,"end":1190.9601,"confidence":0.98535156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06879337131977081},{"word":"tell","start":1190.9601,"end":1191.28,"confidence":0.33911133,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.039282768964767456},{"word":"me","start":1191.28,"end":1191.78,"confidence":0.53723145,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.0477944016456604},{"word":"yeah","start":1206.7251,"end":1207.2251,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02587346732616425},{"word":"yeah","start":1210.245,"end":1210.5651,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0320989154279232},{"word":"i","start":1210.5651,"end":1210.645,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.030782897025346756},{"word":"would","start":1210.645,"end":1210.885,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.02835273370146751},{"word":"say","start":1210.885,"end":1211.2051,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.043349139392375946},{"word":"so","start":1211.2051,"end":1211.7051,"confidence":0.9926758,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.0491425022482872},{"word":"yeah","start":1224.8,"end":1225.28,"confidence":0.8520508,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0502735823392868},{"word":"yes","start":1225.28,"end":1225.68,"confidence":0.87719727,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07116425782442093},{"word":"for","start":1225.68,"end":1225.84,"confidence":0.8198242,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.048730336129665375},{"word":"sure","start":1225.84,"end":1226.34,"confidence":1.0,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.1601208746433258},{"word":"yeah","start":1235.5651,"end":1235.805,"confidence":0.9562988,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1069909930229187},{"word":"yeah","start":1235.805,"end":1236.125,"confidence":0.93237305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10317647457122804},{"word":"for","start":1236.125,"end":1236.365,"confidence":0.9941406,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.0838509052991867},{"word":"sure","start":1236.365,"end":1236.865,"confidence":0.99902344,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.12286405265331268},{"word":"yep","start":1241.17,"end":1241.67,"confidence":0.7626953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07418429851531982},{"word":"yeah","start":1250.93,"end":1251.25,"confidence":0.9682617,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.153284952044487},{"word":"that's","start":1251.25,"end":1251.65,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2552644610404968},{"word":"fine","start":1251.65,"end":1252.05,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.278523325920105},{"word":"thank","start":1252.05,"end":1252.29,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.485726535320282},{"word":"you","start":1252.29,"end":1252.79,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.48579591512680054},{"word":"yes","start":1262.265,"end":1262.665,"confidence":0.79174805,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05794306471943855},{"word":"we","start":1262.665,"end":1262.905,"confidence":0.9980469,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.06007397919893265},{"word":"did","start":1262.905,"end":1263.405,"confidence":0.99853516,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":0.05183461308479309},{"word":"i","start":1272.9,"end":1273.4,"confidence":0.5239258,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03961396962404251},{"word":"i","start":1273.86,"end":1274.02,"confidence":0.31152344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07038276642560959},{"word":"don't","start":1274.02,"end":1274.26,"confidence":0.9941406,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.037504419684410095},{"word":"know","start":1274.26,"end":1274.5,"confidence":0.9645996,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.03922487422823906},{"word":"man","start":1274.5,"end":1274.74,"confidence":0.98291016,"punctuated_word":"man.","sentiment":"neutral","sentiment_score":-0.04102368652820587},{"word":"we","start":1274.74,"end":1274.9,"confidence":0.9970703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.01554904505610466},{"word":"went","start":1274.9,"end":1275.14,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.01014159619808197},{"word":"to","start":1275.14,"end":1275.38,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002274308353662491},{"word":"the","start":1275.38,"end":1275.86,"confidence":0.94628906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0015780925750732422},{"word":"office","start":1275.86,"end":1276.26,"confidence":0.99121094,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.012613974511623384},{"word":"thing","start":1276.26,"end":1276.5,"confidence":0.97998047,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.022506408393383023},{"word":"that","start":1276.5,"end":1276.5801,"confidence":0.89208984,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.024771735072135925},{"word":"you","start":1276.5801,"end":1276.74,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01831693947315216},{"word":"go","start":1276.74,"end":1276.9,"confidence":0.62109375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.022649895399808884},{"word":"to","start":1276.9,"end":1277.06,"confidence":0.9165039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03353402391076088},{"word":"in","start":1277.06,"end":1277.3,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02794276922941208},{"word":"southport","start":1277.3,"end":1277.78,"confidence":0.86816406,"punctuated_word":"Southport","sentiment":"neutral","sentiment_score":0.0343334898352623},{"word":"where","start":1277.78,"end":1278.02,"confidence":0.7675781,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.02589195966720581},{"word":"they","start":1278.02,"end":1278.18,"confidence":0.98828125,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.04701033607125282},{"word":"do","start":1278.18,"end":1278.42,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0621340312063694},{"word":"it","start":1278.42,"end":1278.5,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06338866055011749},{"word":"for","start":1278.5,"end":1278.74,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06451914459466934},{"word":"you","start":1278.74,"end":1279.24,"confidence":0.99365234,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.03126632049679756},{"word":"i","start":1281.86,"end":1282.02,"confidence":0.93847656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.022696778178215027},{"word":"don't","start":1282.02,"end":1282.26,"confidence":0.9523926,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.01528069656342268},{"word":"know","start":1282.26,"end":1282.76,"confidence":0.9916992,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.022622335702180862},{"word":"i","start":1282.9,"end":1282.98,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.016721416264772415},{"word":"mean","start":1282.98,"end":1283.48,"confidence":0.98291016,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.001730106770992279},{"word":"if","start":1284.8201,"end":1285.06,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0125032477080822},{"word":"i","start":1285.06,"end":1285.2201,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00903509184718132},{"word":"did","start":1285.2201,"end":1285.4601,"confidence":0.86279297,"punctuated_word":"did,","sentiment":"neutral","sentiment_score":0.016236048191785812},{"word":"it","start":1285.4601,"end":1285.62,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02464989572763443},{"word":"would","start":1285.62,"end":1285.86,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.015870429575443268},{"word":"be","start":1285.86,"end":1286.1,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.011875063180923462},{"word":"joe","start":1286.1,"end":1286.6,"confidence":0.75024414,"punctuated_word":"Joe.","sentiment":"neutral","sentiment_score":0.004738508258014917},{"word":"but","start":1287.375,"end":1287.6951,"confidence":0.97314453,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.08000575751066208},{"word":"i","start":1287.6951,"end":1287.855,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1544654816389084},{"word":"i","start":1287.855,"end":1288.015,"confidence":0.97802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16112492978572843},{"word":"just","start":1288.015,"end":1288.3351,"confidence":0.8588867,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1448112428188324},{"word":"don't","start":1288.3351,"end":1288.495,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13758371770381927},{"word":"know","start":1288.495,"end":1288.895,"confidence":0.9951172,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.23761673271656036},{"word":"it's","start":1288.895,"end":1289.2151,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.25581955909729004},{"word":"not","start":1289.2151,"end":1289.375,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.24817098677158356},{"word":"really","start":1289.375,"end":1289.6951,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.24884657561779025},{"word":"a","start":1289.6951,"end":1289.855,"confidence":0.93408203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.26236069202423096},{"word":"conversation","start":1289.855,"end":1290.3351,"confidence":0.99902344,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":-0.3055135905742645},{"word":"you","start":1290.3351,"end":1290.495,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.32860395312309265},{"word":"wanna","start":1290.495,"end":1290.8151,"confidence":0.984375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.3002653121948242},{"word":"remember","start":1290.8151,"end":1291.135,"confidence":0.9951172,"punctuated_word":"remember.","sentiment":"neutral","sentiment_score":-0.29679548740386963},{"word":"it's","start":1291.135,"end":1291.375,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.256991446018219},{"word":"like","start":1291.375,"end":1291.535,"confidence":0.91015625,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.195183590054512},{"word":"oh","start":1291.535,"end":1291.6951,"confidence":0.9707031,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.2545744776725769},{"word":"what","start":1291.6951,"end":1291.935,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2915193438529968},{"word":"if","start":1291.935,"end":1292.095,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.248812735080719},{"word":"you","start":1292.095,"end":1292.3351,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.28833889961242676},{"word":"die","start":1292.3351,"end":1292.5751,"confidence":0.98828125,"punctuated_word":"die","sentiment":"neutral","sentiment_score":-0.266031950712204},{"word":"and","start":1292.5751,"end":1292.735,"confidence":0.84277344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2653559744358063},{"word":"your","start":1292.735,"end":1292.895,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.30890992283821106},{"word":"husband","start":1292.895,"end":1293.295,"confidence":0.9980469,"punctuated_word":"husband","sentiment":"neutral","sentiment_score":-0.3267546594142914},{"word":"die","start":1293.295,"end":1293.535,"confidence":0.8125,"punctuated_word":"die","sentiment":"neutral","sentiment_score":-0.2774806320667267},{"word":"and","start":1293.535,"end":1293.855,"confidence":0.8671875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.25155746936798096},{"word":"all","start":1293.855,"end":1294.095,"confidence":0.58447266,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.27555781602859497},{"word":"your","start":1294.095,"end":1294.255,"confidence":0.96240234,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.32537904381752014},{"word":"kids","start":1294.255,"end":1294.5751,"confidence":0.9941406,"punctuated_word":"kids","sentiment":"negative","sentiment_score":-0.3348512351512909},{"word":"die","start":1294.5751,"end":1294.895,"confidence":0.78149414,"punctuated_word":"die?","sentiment":"neutral","sentiment_score":-0.2351385653018951},{"word":"like","start":1294.895,"end":1295.055,"confidence":0.9941406,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.2736057937145233},{"word":"what","start":1295.055,"end":1295.295,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.33154767751693726},{"word":"do","start":1295.295,"end":1295.375,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.31988030672073364},{"word":"you","start":1295.375,"end":1295.4551,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2353624552488327},{"word":"wanna","start":1295.4551,"end":1295.6951,"confidence":0.9873047,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.22788606584072113},{"word":"do","start":1295.6951,"end":1295.855,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.2544329762458801},{"word":"then","start":1295.855,"end":1296.095,"confidence":0.98095703,"punctuated_word":"then?","sentiment":"neutral","sentiment_score":-0.211726576089859},{"word":"and","start":1296.095,"end":1296.255,"confidence":0.97314453,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.14637523889541626},{"word":"i'm","start":1296.255,"end":1296.3351,"confidence":0.9680176,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1371685117483139},{"word":"like","start":1296.3351,"end":1296.655,"confidence":0.92822266,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1227085143327713},{"word":"what","start":1296.655,"end":1297.155,"confidence":0.63012695,"punctuated_word":"what?","sentiment":"neutral","sentiment_score":-0.13073262572288513},{"word":"it's","start":1297.375,"end":1297.535,"confidence":0.9848633,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.17934438586235046},{"word":"not","start":1297.535,"end":1297.6951,"confidence":0.9951172,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1913214921951294},{"word":"it's","start":1297.6951,"end":1297.935,"confidence":0.9946289,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.26989564299583435},{"word":"not","start":1297.935,"end":1298.095,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.30320265889167786},{"word":"the","start":1298.095,"end":1298.255,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.282949835062027},{"word":"most","start":1298.255,"end":1298.5751,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.2841901183128357},{"word":"fun","start":1298.5751,"end":1298.8151,"confidence":0.99121094,"punctuated_word":"fun","sentiment":"neutral","sentiment_score":-0.2257845997810364},{"word":"chat","start":1298.8151,"end":1299.135,"confidence":0.78466797,"punctuated_word":"chat.","sentiment":"neutral","sentiment_score":-0.2691304385662079},{"word":"but","start":1299.135,"end":1299.375,"confidence":0.8234863,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.1532822698354721},{"word":"yeah","start":1299.375,"end":1299.615,"confidence":0.9616699,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.12709204852581024},{"word":"i","start":1299.615,"end":1299.775,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15420518815517426},{"word":"i","start":1299.775,"end":1300.015,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17278528213500977},{"word":"really","start":1300.015,"end":1300.495,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.1801455169916153},{"word":"can't","start":1300.495,"end":1300.995,"confidence":0.99902344,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1841137409210205},{"word":"remember","start":1301.7201,"end":1302.2201,"confidence":0.99560547,"punctuated_word":"remember.","sentiment":"neutral","sentiment_score":-0.1484912633895874},{"word":"sorry","start":1303.9601,"end":1304.4601,"confidence":0.99072266,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.11612677574157716},{"word":"yep","start":1319.725,"end":1319.885,"confidence":0.8901367,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.018237369135022163},{"word":"yep","start":1319.885,"end":1320.385,"confidence":0.89819336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.024849720299243927},{"word":"yep","start":1324.285,"end":1324.785,"confidence":0.94750977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.05341670662164688},{"word":"yes","start":1329.02,"end":1329.42,"confidence":0.9785156,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.010076330974698068},{"word":"okay","start":1329.42,"end":1329.92,"confidence":0.9343262,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08620528876781464},{"word":"yes","start":1338.38,"end":1338.62,"confidence":0.9926758,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07875919342041016},{"word":"i","start":1338.62,"end":1338.78,"confidence":0.98291016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10118022561073305},{"word":"do","start":1338.78,"end":1339.02,"confidence":0.9980469,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.1016048789024353},{"word":"yeah","start":1339.02,"end":1339.52,"confidence":0.8959961,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1053662821650505},{"word":"yes","start":1349.955,"end":1350.455,"confidence":0.8894043,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14556607604026794},{"word":"yes","start":1359.8099,"end":1360.3099,"confidence":0.97143555,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.023523949086666107},{"word":"yes","start":1368.585,"end":1369.065,"confidence":0.7573242,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06164022162556648},{"word":"okay","start":1369.065,"end":1369.565,"confidence":0.98657227,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10545126348733902},{"word":"yeah","start":1387.64,"end":1388.14,"confidence":0.95703125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16705375909805298},{"word":"yeah","start":1392.44,"end":1392.84,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05606716871261597},{"word":"i'd","start":1392.84,"end":1393.08,"confidence":0.9941406,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.005794945172965527},{"word":"say","start":1393.08,"end":1393.32,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.0025778189301490784},{"word":"so","start":1393.32,"end":1393.72,"confidence":0.9926758,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.012303151190280914},{"word":"why","start":1393.72,"end":1394.0399,"confidence":0.9970703,"punctuated_word":"Why","sentiment":"neutral","sentiment_score":-0.07306943088769913},{"word":"not","start":1394.0399,"end":1394.5399,"confidence":0.99560547,"punctuated_word":"not?","sentiment":"neutral","sentiment_score":-0.04238817095756531},{"word":"yeah","start":1409.285,"end":1409.605,"confidence":0.9807129,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01135673001408577},{"word":"yeah","start":1409.605,"end":1410.005,"confidence":0.9448242,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0021615996956825256},{"word":"i","start":1410.005,"end":1410.165,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04903007671236992},{"word":"understand","start":1410.165,"end":1410.665,"confidence":0.9995117,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":-0.05735795944929123},{"word":"oh","start":1419.29,"end":1419.45,"confidence":0.795166,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.011527236551046371},{"word":"okay","start":1419.45,"end":1419.95,"confidence":0.99365234,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.01309014856815338},{"word":"i","start":1440.37,"end":1440.53,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0680806040763855},{"word":"mean","start":1440.53,"end":1440.85,"confidence":0.9880371,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.05087447166442871},{"word":"i'd","start":1440.85,"end":1441.09,"confidence":0.9941406,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.038086701184511185},{"word":"say","start":1441.09,"end":1441.4099,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.02737192809581757},{"word":"so","start":1441.4099,"end":1441.65,"confidence":0.8391113,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.01284658908843994},{"word":"yeah","start":1441.65,"end":1441.97,"confidence":0.9604492,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07857701927423477},{"word":"i","start":1441.97,"end":1442.13,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19395367801189425},{"word":"mean","start":1442.13,"end":1442.37,"confidence":0.9946289,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.15366055071353912},{"word":"we're","start":1442.37,"end":1442.53,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.2375324070453644},{"word":"not","start":1442.53,"end":1442.69,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3347015380859375},{"word":"close","start":1442.69,"end":1443.01,"confidence":0.98535156,"punctuated_word":"close","sentiment":"negative","sentiment_score":-0.33914387226104736},{"word":"to","start":1443.01,"end":1443.1699,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2362636923789978},{"word":"retirement","start":1443.1699,"end":1443.65,"confidence":0.99609375,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":-0.21717114746570587},{"word":"yet","start":1443.65,"end":1443.89,"confidence":0.97802734,"punctuated_word":"yet","sentiment":"neutral","sentiment_score":-0.2913651466369629},{"word":"unless","start":1443.89,"end":1444.21,"confidence":0.78271484,"punctuated_word":"unless","sentiment":"negative","sentiment_score":-0.36737677454948425},{"word":"we","start":1444.21,"end":1444.37,"confidence":0.8833008,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2716898024082184},{"word":"come","start":1444.37,"end":1444.53,"confidence":0.91845703,"punctuated_word":"come","sentiment":"negative","sentiment_score":-0.33411529660224915},{"word":"into","start":1444.53,"end":1444.85,"confidence":0.7011719,"punctuated_word":"into","sentiment":"negative","sentiment_score":-0.36422792077064514},{"word":"some","start":1444.85,"end":1445.09,"confidence":0.94189453,"punctuated_word":"some","sentiment":"negative","sentiment_score":-0.38755443692207336},{"word":"fucking","start":1445.09,"end":1445.59,"confidence":0.9472656,"punctuated_word":"fucking","sentiment":"negative","sentiment_score":-0.51104736328125},{"word":"mad","start":1445.8099,"end":1446.0499,"confidence":0.8701172,"punctuated_word":"mad","sentiment":"negative","sentiment_score":-0.4394976496696472},{"word":"amount","start":1446.0499,"end":1446.2899,"confidence":0.9892578,"punctuated_word":"amount","sentiment":"negative","sentiment_score":-0.3848190009593963},{"word":"of","start":1446.2899,"end":1446.45,"confidence":0.99121094,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.46711868047714233},{"word":"money","start":1446.45,"end":1446.77,"confidence":0.83374023,"punctuated_word":"money.","sentiment":"negative","sentiment_score":-0.39609378576278687},{"word":"so","start":1446.77,"end":1447.09,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.20230337977409363},{"word":"i","start":1447.09,"end":1447.25,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18695951998233795},{"word":"reckon","start":1447.25,"end":1447.65,"confidence":0.99316406,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":-0.19969576597213745},{"word":"just","start":1447.65,"end":1447.89,"confidence":0.8886719,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.22483065724372864},{"word":"leave","start":1447.89,"end":1448.21,"confidence":0.99902344,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.18205198645591736},{"word":"it","start":1448.21,"end":1448.71,"confidence":0.9980469,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.1581263244152069},{"word":"yes","start":1457.875,"end":1458.375,"confidence":0.78466797,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12578079104423523},{"word":"yes","start":1460.835,"end":1461.335,"confidence":0.8972168,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.18583032488822937},{"word":"yes","start":1470.115,"end":1470.57,"confidence":0.97216797,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.21163725852966309},{"word":"nice","start":1484.1699,"end":1484.6699,"confidence":0.88720703,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.6369928121566772},{"word":"okay","start":1493.805,"end":1494.305,"confidence":0.9885254,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.26989445090293884},{"word":"mhmm","start":1501.78,"end":1502.28,"confidence":0.8857422,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.08151962608098984},{"word":"okay","start":1507.86,"end":1508.36,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.054960813373327255},{"word":"yep","start":1519.465,"end":1519.965,"confidence":0.78564453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07136514782905579},{"word":"yep","start":1526.345,"end":1526.845,"confidence":0.9147949,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07418733835220337},{"word":"yeah","start":1529.51,"end":1529.67,"confidence":0.8613281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09480097889900208},{"word":"yeah","start":1529.67,"end":1529.99,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18392644822597504},{"word":"sounds","start":1529.99,"end":1530.31,"confidence":0.9760742,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.4050832688808441},{"word":"good","start":1530.31,"end":1530.79,"confidence":0.9975586,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.39098092913627625},{"word":"whatever","start":1530.79,"end":1531.19,"confidence":0.9873047,"punctuated_word":"Whatever","sentiment":"neutral","sentiment_score":0.2265607118606567},{"word":"you","start":1531.19,"end":1531.43,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16703438758850098},{"word":"say","start":1531.43,"end":1531.83,"confidence":0.96972656,"punctuated_word":"say.","sentiment":"neutral","sentiment_score":0.20463600754737857},{"word":"i","start":1531.83,"end":1531.99,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1233038380742073},{"word":"understand","start":1531.99,"end":1532.49,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.12401630729436874},{"word":"about","start":1532.55,"end":1533.05,"confidence":0.984375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10911940038204192},{"word":"18%","start":1533.35,"end":1534.15,"confidence":0.99609375,"punctuated_word":"18%","sentiment":"neutral","sentiment_score":0.1778242290019989},{"word":"of","start":1534.15,"end":1534.23,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1993587762117386},{"word":"it","start":1534.23,"end":1534.39,"confidence":0.69262695,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.1863065809011459},{"word":"so","start":1534.39,"end":1534.55,"confidence":0.95410156,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.16221950948238373},{"word":"that's","start":1534.55,"end":1534.79,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.15674671530723572},{"word":"why","start":1534.79,"end":1534.95,"confidence":0.9980469,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.1445443332195282},{"word":"you're","start":1534.95,"end":1535.19,"confidence":0.99316406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.24093756079673767},{"word":"here","start":1535.19,"end":1535.69,"confidence":0.9980469,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.16198471188545227},{"word":"no","start":1543.545,"end":1544.045,"confidence":0.99316406,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1489785760641098},{"word":"but","start":1544.665,"end":1544.825,"confidence":0.64624023,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.040700264275074005},{"word":"i","start":1544.825,"end":1544.905,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.011884905397891998},{"word":"mean","start":1544.905,"end":1545.225,"confidence":0.9975586,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.005775805562734604},{"word":"you","start":1545.225,"end":1545.385,"confidence":0.96875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010319055989384651},{"word":"use","start":1545.385,"end":1545.545,"confidence":0.75561523,"punctuated_word":"use,","sentiment":"neutral","sentiment_score":-0.010511931031942368},{"word":"yeah","start":1545.545,"end":1545.785,"confidence":0.98999023,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.02377406507730484},{"word":"you","start":1545.785,"end":1545.945,"confidence":0.9589844,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.016334187239408493},{"word":"use","start":1545.945,"end":1546.265,"confidence":0.9941406,"punctuated_word":"use","sentiment":"neutral","sentiment_score":-0.01774848997592926},{"word":"financial","start":1546.265,"end":1546.765,"confidence":0.96972656,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.019474368542432785},{"word":"advisers","start":1546.905,"end":1547.405,"confidence":0.7524414,"punctuated_word":"advisers","sentiment":"neutral","sentiment_score":-0.1034192442893982},{"word":"because","start":1547.545,"end":1547.945,"confidence":0.96875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.10948990285396576},{"word":"they","start":1547.945,"end":1548.185,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.16325446963310242},{"word":"know","start":1548.185,"end":1548.425,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.16508229076862335},{"word":"their","start":1548.425,"end":1548.745,"confidence":0.65478516,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.20407861471176147},{"word":"shit","start":1548.745,"end":1549.065,"confidence":0.9321289,"punctuated_word":"shit.","sentiment":"neutral","sentiment_score":-0.1786867529153824},{"word":"right","start":1549.065,"end":1549.565,"confidence":0.9970703,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.02660030499100685},{"word":"and","start":1549.865,"end":1550.105,"confidence":0.9013672,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.041145209223032},{"word":"we","start":1550.105,"end":1550.265,"confidence":0.81152344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05874589830636978},{"word":"don't","start":1550.265,"end":1550.585,"confidence":0.97477216,"punctuated_word":"don't.","sentiment":"neutral","sentiment_score":-0.05044347792863846},{"word":"so","start":1550.585,"end":1550.905,"confidence":0.86206055,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.038345612585544586},{"word":"yeah","start":1550.905,"end":1551.145,"confidence":0.98583984,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.26226186752319336},{"word":"i'm","start":1551.145,"end":1551.385,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4554736018180847},{"word":"happy","start":1551.385,"end":1551.705,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5017561912536621},{"word":"to","start":1551.705,"end":1552.185,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5308157205581665},{"word":"diversify","start":1552.185,"end":1552.685,"confidence":0.8671875,"punctuated_word":"diversify","sentiment":"positive","sentiment_score":0.4606214165687561},{"word":"it","start":1552.905,"end":1552.985,"confidence":0.40454102,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5735146403312683},{"word":"sounds","start":1552.985,"end":1553.385,"confidence":0.43725586,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.6200137138366699},{"word":"smart","start":1553.385,"end":1553.885,"confidence":0.984375,"punctuated_word":"smart.","sentiment":"positive","sentiment_score":0.5227162837982178},{"word":"oh","start":1563.84,"end":1564.0,"confidence":0.7883301,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.32886451482772827},{"word":"nice","start":1564.0,"end":1564.5,"confidence":0.98291016,"punctuated_word":"nice.","sentiment":"neutral","sentiment_score":0.27285221219062805},{"word":"yep","start":1580.285,"end":1580.785,"confidence":0.9199219,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12431012094020844},{"word":"yeah","start":1583.97,"end":1584.21,"confidence":0.9140625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05011232942342758},{"word":"yeah","start":1584.21,"end":1584.4501,"confidence":0.8791504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05353382974863053},{"word":"no","start":1584.4501,"end":1584.7001,"confidence":0.97265625,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.06764070689678192},{"word":"dramas","start":1584.7001,"end":1585.2001,"confidence":0.9951172,"punctuated_word":"dramas.","sentiment":"neutral","sentiment_score":0.0476585291326046},{"word":"yeah","start":1607.555,"end":1608.055,"confidence":0.88623047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11274218559265135},{"word":"yeah","start":1611.96,"end":1612.28,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09319992363452911},{"word":"yeah","start":1612.28,"end":1612.52,"confidence":0.97265625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13261231780052185},{"word":"for","start":1612.52,"end":1612.84,"confidence":0.95410156,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.17279575765132904},{"word":"sure","start":1612.84,"end":1613.34,"confidence":0.99902344,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.27139854431152344},{"word":"no","start":1623.16,"end":1623.4,"confidence":0.810791,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06267000734806061},{"word":"no","start":1623.4,"end":1623.64,"confidence":0.9863281,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.003481900319457054},{"word":"all","start":1623.64,"end":1623.88,"confidence":0.95703125,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.1951155960559845},{"word":"good","start":1623.88,"end":1624.275,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1430877298116684},{"word":"mhmm","start":1635.555,"end":1636.055,"confidence":0.977417,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05793599784374237},{"word":"yes","start":1647.0199,"end":1647.5199,"confidence":0.9147949,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05608474463224411},{"word":"yeah","start":1651.215,"end":1651.715,"confidence":0.8684082,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.056864142417907715},{"word":"yeah","start":1655.455,"end":1655.695,"confidence":0.9328613,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12057774513959885},{"word":"yeah","start":1655.695,"end":1656.195,"confidence":0.7573242,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.26288777589797974},{"word":"yeah","start":1679.5751,"end":1679.895,"confidence":0.90649414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06703898310661316},{"word":"okay","start":1679.895,"end":1680.395,"confidence":0.8857422,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09772628545761108},{"word":"yeah","start":1689.0951,"end":1689.415,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02819191664457321},{"word":"no","start":1689.415,"end":1689.735,"confidence":0.89575195,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.023756634443998337},{"word":"easy","start":1689.735,"end":1690.135,"confidence":0.71972656,"punctuated_word":"Easy","sentiment":"neutral","sentiment_score":0.09239071607589722},{"word":"done","start":1690.135,"end":1690.4551,"confidence":0.93847656,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.031380023807287216},{"word":"i","start":1690.4551,"end":1690.615,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.021319396793842316},{"word":"think","start":1690.615,"end":1690.855,"confidence":0.99609375,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.01212550699710846},{"word":"i've","start":1690.855,"end":1691.175,"confidence":0.9902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.001717093167826533},{"word":"i","start":1691.175,"end":1691.3351,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01089196279644966},{"word":"think","start":1691.3351,"end":1691.5751,"confidence":0.79541016,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.016816474497318268},{"word":"i've","start":1691.5751,"end":1691.8151,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.016032960265874863},{"word":"done","start":1691.8151,"end":1691.9751,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.033883996307849884},{"word":"it","start":1691.9751,"end":1692.375,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.0240915659815073},{"word":"yeah","start":1692.375,"end":1692.6951,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.027219172567129135},{"word":"it","start":1692.6951,"end":1692.855,"confidence":0.47583008,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.05579815432429314},{"word":"tried","start":1692.855,"end":1693.0951,"confidence":0.98095703,"punctuated_word":"tried","sentiment":"neutral","sentiment_score":-0.056271329522132874},{"word":"to","start":1693.0951,"end":1693.255,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05177284777164459},{"word":"put","start":1693.255,"end":1693.62,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.04448080062866211},{"word":"kaylee","start":1693.62,"end":1694.02,"confidence":0.64160156,"punctuated_word":"Kaylee","sentiment":"neutral","sentiment_score":-0.03817673400044441},{"word":"foster","start":1694.02,"end":1694.52,"confidence":0.9951172,"punctuated_word":"Foster","sentiment":"neutral","sentiment_score":-0.021401874721050262},{"word":"previously","start":1694.58,"end":1695.08,"confidence":0.5081787,"punctuated_word":"previously,","sentiment":"neutral","sentiment_score":-0.03914715722203255},{"word":"smith","start":1695.14,"end":1695.46,"confidence":0.6833496,"punctuated_word":"Smith,","sentiment":"neutral","sentiment_score":-0.06619859486818314},{"word":"and","start":1695.46,"end":1695.54,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0977172926068306},{"word":"it","start":1695.54,"end":1695.62,"confidence":0.9819336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.15142986178398132},{"word":"didn't","start":1695.62,"end":1695.86,"confidence":0.99853516,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.16280026733875275},{"word":"even","start":1695.86,"end":1696.02,"confidence":0.9970703,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.1659121960401535},{"word":"fit","start":1696.02,"end":1696.26,"confidence":0.9941406,"punctuated_word":"fit","sentiment":"neutral","sentiment_score":-0.14285601675510406},{"word":"in","start":1696.26,"end":1696.34,"confidence":0.97998047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1337781846523285},{"word":"the","start":1696.34,"end":1696.5,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07979638874530792},{"word":"box","start":1696.5,"end":1696.74,"confidence":0.91259766,"punctuated_word":"box.","sentiment":"neutral","sentiment_score":-0.089589923620224},{"word":"i","start":1696.74,"end":1696.82,"confidence":0.6801758,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07276197522878647},{"word":"was","start":1696.82,"end":1696.9,"confidence":0.99121094,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.08015602827072144},{"word":"like","start":1696.9,"end":1697.14,"confidence":0.90405273,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.05794074386358261},{"word":"alright","start":1697.14,"end":1697.64,"confidence":0.935791,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":-0.014580252580344675},{"word":"so","start":1697.7,"end":1697.86,"confidence":0.9716797,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.019317705184221268},{"word":"i've","start":1697.86,"end":1697.94,"confidence":0.953125,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.003511481685563922},{"word":"just","start":1697.94,"end":1698.18,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.008343428373336792},{"word":"done","start":1698.18,"end":1698.42,"confidence":0.9370117,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.00792585127055645},{"word":"my","start":1698.42,"end":1698.58,"confidence":0.98535156,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.009176654741168022},{"word":"little","start":1698.58,"end":1699.08,"confidence":0.9873047,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.003750074654817581},{"word":"scribble","start":1699.78,"end":1700.28,"confidence":0.99853516,"punctuated_word":"scribble","sentiment":"neutral","sentiment_score":-0.006101598497480154},{"word":"as","start":1700.34,"end":1700.5,"confidence":0.97802734,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.01891014724969864},{"word":"best","start":1700.5,"end":1700.82,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.020396459847688675},{"word":"you","start":1700.82,"end":1700.98,"confidence":0.93847656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013645636849105358},{"word":"can","start":1700.98,"end":1701.22,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.01517623383551836},{"word":"on","start":1701.22,"end":1701.38,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.009112117812037468},{"word":"a","start":1701.38,"end":1701.54,"confidence":0.8730469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00431602168828249},{"word":"phone","start":1701.54,"end":1702.04,"confidence":0.9970703,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.0023177657276391983},{"word":"screen","start":1702.18,"end":1702.68,"confidence":0.9975586,"punctuated_word":"screen.","sentiment":"neutral","sentiment_score":-0.0018222234211862087},{"word":"no","start":1706.1951,"end":1706.435,"confidence":0.9777832,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07935693860054016},{"word":"never","start":1706.435,"end":1706.835,"confidence":0.9914551,"punctuated_word":"Never.","sentiment":"neutral","sentiment_score":-0.0913255289196968},{"word":"it's","start":1706.835,"end":1706.995,"confidence":0.9904785,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.05296345800161362},{"word":"like","start":1706.995,"end":1707.155,"confidence":0.7939453,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.032087501138448715},{"word":"when","start":1707.155,"end":1707.3151,"confidence":0.9111328,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.03579038381576538},{"word":"you","start":1707.3151,"end":1707.475,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.048176106065511703},{"word":"sign","start":1707.475,"end":1707.715,"confidence":0.91259766,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.04822111129760742},{"word":"for","start":1707.715,"end":1708.035,"confidence":0.96875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06277961283922195},{"word":"a","start":1708.035,"end":1708.1951,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0938376486301422},{"word":"parcel","start":1708.1951,"end":1708.675,"confidence":0.8684082,"punctuated_word":"parcel,","sentiment":"neutral","sentiment_score":-0.0915154069662094},{"word":"it's","start":1708.675,"end":1708.995,"confidence":0.99365234,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1242811530828476},{"word":"like","start":1708.995,"end":1709.235,"confidence":0.90771484,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.13670262694358826},{"word":"there's","start":1709.235,"end":1709.635,"confidence":0.8574219,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.12087585777044296},{"word":"no","start":1709.635,"end":1709.795,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.08890321105718613},{"word":"proof","start":1709.795,"end":1710.1951,"confidence":0.9970703,"punctuated_word":"proof","sentiment":"neutral","sentiment_score":-0.11703591793775558},{"word":"that","start":1710.1951,"end":1710.355,"confidence":0.98291016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09646740555763245},{"word":"that's","start":1710.355,"end":1710.675,"confidence":0.97924805,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.0768355280160904},{"word":"me","start":1710.675,"end":1710.835,"confidence":0.7236328,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.09093912690877914},{"word":"but","start":1710.835,"end":1711.075,"confidence":0.99609375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.05580262839794159},{"word":"do","start":1711.075,"end":1711.155,"confidence":0.40966797,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05099024996161461},{"word":"you","start":1711.155,"end":1711.235,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.046771131455898285},{"word":"know","start":1711.235,"end":1711.475,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.05331215634942055},{"word":"what","start":1711.475,"end":1711.795,"confidence":0.9499512,"punctuated_word":"what?","sentiment":"neutral","sentiment_score":-0.04697488993406296},{"word":"whatever","start":1711.795,"end":1712.295,"confidence":0.99853516,"punctuated_word":"Whatever.","sentiment":"neutral","sentiment_score":-0.02704560197889805},{"word":"okay","start":1713.555,"end":1713.875,"confidence":0.96899414,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0976947695016861},{"word":"cool","start":1713.875,"end":1714.1951,"confidence":0.9946289,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.2501998543739319},{"word":"it's","start":1714.1951,"end":1714.275,"confidence":0.94921875,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.25061216950416565},{"word":"just","start":1714.275,"end":1714.595,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2377234846353531},{"word":"oh","start":1714.915,"end":1715.075,"confidence":0.72094727,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.27226006984710693},{"word":"i","start":1715.075,"end":1715.235,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2473433613777161},{"word":"think","start":1715.235,"end":1715.475,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.24105000495910645},{"word":"it","start":1715.475,"end":1715.635,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.289730966091156},{"word":"should","start":1715.635,"end":1715.875,"confidence":0.99902344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.3303593695163727},{"word":"be","start":1715.875,"end":1716.035,"confidence":0.9667969,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2761487066745758},{"word":"with","start":1716.035,"end":1716.275,"confidence":0.96972656,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.26777225732803345},{"word":"you","start":1716.275,"end":1716.775,"confidence":0.9951172,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2709866166114807},{"word":"it","start":1717.075,"end":1717.235,"confidence":0.5102539,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.49909961223602295},{"word":"should","start":1717.235,"end":1717.475,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.5883567333221436},{"word":"be","start":1717.475,"end":1717.975,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5049060583114624},{"word":"good","start":1718.835,"end":1719.335,"confidence":0.71362305,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3963419198989868},{"word":"alright","start":1723.29,"end":1723.79,"confidence":0.6984863,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.1916951984167099},{"word":"yeah","start":1727.05,"end":1727.37,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19586122035980225},{"word":"yeah","start":1727.37,"end":1727.85,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2543555498123169},{"word":"all","start":1727.85,"end":1728.17,"confidence":0.92089844,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4793227314949035},{"word":"good","start":1728.17,"end":1728.41,"confidence":0.99853516,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4123515188694},{"word":"i've","start":1728.41,"end":1728.65,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.21417877078056335},{"word":"got","start":1728.65,"end":1728.89,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.24095146358013153},{"word":"my","start":1728.89,"end":1729.39,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.17656013369560242},{"word":"confirmation","start":1730.09,"end":1730.59,"confidence":1.0,"punctuated_word":"confirmation","sentiment":"neutral","sentiment_score":0.18743187189102173},{"word":"email","start":1730.81,"end":1731.05,"confidence":0.99609375,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.06718461960554123},{"word":"and","start":1731.05,"end":1731.29,"confidence":0.8911133,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.020958147943019867},{"word":"shit","start":1731.29,"end":1731.53,"confidence":0.96899414,"punctuated_word":"shit.","sentiment":"neutral","sentiment_score":0.13699623942375183},{"word":"i'll","start":1731.53,"end":1731.6901,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.30658620595932007},{"word":"be","start":1731.6901,"end":1731.85,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.3171396851539612},{"word":"able","start":1731.85,"end":1732.01,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.28076231479644775},{"word":"to","start":1732.01,"end":1732.17,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26729437708854675},{"word":"get","start":1732.17,"end":1732.41,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.23570427298545835},{"word":"it","start":1732.41,"end":1732.65,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23578786849975583},{"word":"if","start":1732.65,"end":1732.81,"confidence":0.9604492,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2753933072090149},{"word":"i","start":1732.81,"end":1732.97,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2084633111953735},{"word":"need","start":1732.97,"end":1733.13,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.234368234872818},{"word":"it","start":1733.13,"end":1733.63,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.21745912730693817},{"word":"no","start":1745.255,"end":1745.495,"confidence":0.9499512,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11673122644424438},{"word":"no","start":1745.495,"end":1745.735,"confidence":0.9758301,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07524795830249786},{"word":"all","start":1745.735,"end":1745.895,"confidence":0.9980469,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.2541755139827728},{"word":"good","start":1745.895,"end":1746.135,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.23440048098564148},{"word":"thank","start":1746.135,"end":1746.375,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5192204117774963},{"word":"you","start":1746.375,"end":1746.455,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6323511004447937},{"word":"for","start":1746.455,"end":1746.615,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6392218470573425},{"word":"your","start":1746.615,"end":1746.775,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.624948263168335},{"word":"help","start":1746.775,"end":1747.2,"confidence":0.9995117,"punctuated_word":"help.","sentiment":"positive","sentiment_score":0.5858317613601685},{"word":"yep","start":1755.6,"end":1756.1,"confidence":0.9304199,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14624518156051636},{"word":"alright","start":1758.1599,"end":1758.5599,"confidence":0.99316406,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.3780772387981415},{"word":"perfect","start":1758.5599,"end":1759.0599,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6636908054351807},{"word":"thanks","start":1759.12,"end":1759.36,"confidence":0.875,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.6813583970069885},{"word":"for","start":1759.36,"end":1759.5199,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7302448153495789},{"word":"your","start":1759.5199,"end":1759.6799,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7085853219032288},{"word":"help","start":1759.6799,"end":1759.9199,"confidence":0.99902344,"punctuated_word":"help.","sentiment":"positive","sentiment_score":0.6897194385528564},{"word":"speak","start":1759.9199,"end":1760.0399,"confidence":0.99902344,"punctuated_word":"Speak","sentiment":"neutral","sentiment_score":0.3055419921875},{"word":"to","start":1760.0399,"end":1760.1599,"confidence":0.57421875,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3608269393444062},{"word":"you","start":1760.1599,"end":1760.32,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3998563885688782},{"word":"soon","start":1760.32,"end":1760.72,"confidence":1.0,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":0.32219016551971436},{"word":"bye","start":1760.72,"end":1760.88,"confidence":0.99902344,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.2032393515110016},{"word":"bye","start":1760.88,"end":1761.2369,"confidence":0.99609375,"punctuated_word":"bye.","sentiment":"neutral","sentiment_score":0.2507220208644867}],"paragraphs":{"transcript":"\nHey. How are you doing? Yeah. Good. Thank you.\n\nYeah. I basically just wanted to add it because when we first started with you guys, we only added it for my husband, but I just wanted to add it for myself as well. Okay. Yeah. All good.\n\n09/2009. Yes. Yeah. Yeah. I'll I'll be right to look through then.\n\nOkay. Mhmm. No. I've got it. Tommy I'm not gonna pronounce that surname, but Tommy.\n\nYeah. It's you. Yeah. Alright. Sweet.\n\nMhmm. Yes. Yes. Yes. Yep.\n\nNo. I've got two. Yeah. Yeah. So yeah.\n\nI've got a yeah. So she's two now. So yeah. So two dependents. Vienna.\n\nYes. Yeah. Yeah. You should probably do both of them. Yes, please.\n\nYes. All good. Yeah. Yes. Yes.\n\nThat's right. Yeah. I do get bonuses. It fluctuates, so obviously, it's based on invoicing. I think at the moment, this financial year today, I'm I've got about 50 k ish.\n\nSo say I've yeah. Yes. He is open. I would I would say probably just do it on the base because it like I said, it does fluctuate. So I don't wanna over commit.\n\nDo You know what I mean? Yeah. Precisely. Yeah. So I reckon it's just safer to base it on the base.\n\nObviously, on the provider that hopefully I'll never need it. Yep. Yep. Yeah. Yeah.\n\nI'm I'm sure we would make it work. I mean, right now, we'd be surviving on Joe's if we were both fucked, So I think it's better than what we've got now. So yeah. All good. Yep.\n\nSorry. What was that? So thirty days or sixty to ninety? I mean, I'd need to probably know what the difference is. I don't I don't know what Joe's is set at.\n\nI can't remember what Sevi said to do it. He kinda guided us with the initial setup of Joe's because we didn't have a clue. So yeah. Yeah. Okay.\n\nYeah. Okay. Okay. Sure. Let's let's go with that then.\n\nYeah. Okay. Yeah. Sure thing. Look at the out of pocket, I guess, and see where we stand with that.\n\nYeah. Sure. Yes. Yep. Precisely.\n\nYeah. Yeah. BDM. So well, on I'm not on the road so much now, to be honest. It's more I work from home four days a week.\n\nSo I do primarily Teams meetings because we're aligned with Telstra and they've obviously got, like, a national presence. So we yeah. I generally do most of my meetings from home. I'm not driving too much anymore. Four from home and then one from the office, one from Brisbane.\n\nNo. No. I'll just be able to chat. Yeah. That's it.\n\nNo. Hell no. Yep. I mean, yeah, I guess it makes sense to look at all the options. Yeah.\n\nNo. Nothing. Nada. Yep. Perfect.\n\nYeah. No no changes. Didn't start smoking. Didn't start any of that shit. So it should all still be very much current.\n\nOh, yeah. Probably. Let me think. Oh, blah blah blah blah. Fuck.\n\nI could probably check on HSBC. Yeah. It would be around that because we did do an equity release to do some work at home. I'm just gonna jump into HSBC and check. It feels fucking let me log in.\n\nYeah. I I actually detest HSBC. Their online banking is bullshit, and they've blocked me out the app. So I have to log in via a browser, which is fucking ridiculous. Yeah.\n\nNo. It's a bollock. Okay. So one 48. Let me scroll down.\n\nAlright. 148735. That's not 8. 788. And investment.\n\nFuck. It doesn't like me. I'm scrolling on the browser, which is super annoying. Yeah. Yeah.\n\nSo yeah. 1.33. Yeah. Probably about, like, 1.45 ish going. Yeah.\n\nFor everything. No. Yeah. So would you say it's it's it's okay where it is? Yep.\n\nYeah. Yeah. Alright. Sweetheart, let's do that then. Yeah.\n\nI don't I'm I paid that out, but I still have the car. No. It's a Joe question about crypto. Probably not. I reckon it all tanked.\n\nI don't think so. No. I think that's it. Yep. Yep.\n\nFor what? No. I don't reckon. Yep. Yeah.\n\nWe put it we just put 500 a fortnight into, like, a offset type thing. Yes. So we've got that. Obviously, once my kid is out of Kindy, I will be $30 a year, almost better off, so that would be nice. But, yeah, it's sort of one of those where yeah.\n\nWell, at the moment, yeah, like, our educate our education fees are, like, $35 a year. So, like, what sorry. Vienna's a $20 out of that. So once she's out of kindy, we'll have and she goes into Lila's private school, which is insane because we save money by putting her in private school, but, like, we'll have an extra maybe if it's a joke. She sits in finger paints and they charge just fucking $25 a year.\n\nBut yeah. Oh, it's just insane. Like, how how is the private school cheaper than the kindy? Like, she literally just stands around and covers herself in sand. But yeah.\n\nSo once she's, like I think once she's three, she can go into the school's kindy, which I do think is a bit cheaper. So we'll have a bit more of a surplus, and then we'll hopefully be able to start putting back into the shared portfolio because that's what we obviously wanna be doing. But, yeah, just for now, we're we're pretty good just with the offset, I think. Yeah. We wanna invest in more properties because, like, we obviously came to this country late.\n\nSo whilst you guys are obviously helping you build, you got the super, you you still don't wanna just hedge your back just on that. So we wanna kind of keep building up those assets. We we do have financial approval to purchase another property at the moment, but I just haven't found anything that's quite right, and I don't want negatively geared. I want it to be, like, at least breaking even. So I'm holding off until the property market comes itself down because everything is just insane still at the moment.\n\nYeah. Yeah. Exactly. Well, that's right. And even, like, looking yeah.\n\nWell, I did have an interest in commercial. The problem is because we don't have a cash deposit, the property is effectively gonna be 100% mortgage. And therefore, again, we have the issue with negative gearing with commercial tenancy. We we're we've been, like, preapproved. We said we can they my broker said we can sort of comfortably get something around the 800,000 mark.\n\nBut, again, like, you can't get nothing for that on the Gold Coast. And even if you can, like, you you're gonna be negatively dead because it's only let out for fucking 800 a week, and you need a grand a week just to cover the mortgage. And then I looked at further out. So I looked as far out as bloody Mount Isa, but then there's a whole ramification about borrowing from Mount Isa because it's a high risk area. Because there's some really good cash flow properties out there, but it's obviously really high risk too because if the mine closes, you're screwed because then there's no one to live in the house.\n\nSo, yes, I have been looking Exactly. So it's it's just it's a risky time. Like, I'm not opposed to investing now. I just I genuinely just haven't found the right option. And then, yeah, like, you can get cheap properties down in Melbourne, but there's 500 apartments that look exactly the same that are all up for rent.\n\nSo you then you kinda, like, well, how likely am I to get a tenant in yeah. So yeah. Lots of moving parts with that one, but, yes, in that was a very long winded way of saying, yes. We will be buying more property, but just not yet. Can you tell me?\n\nYeah. Yeah. I would say so. Yeah. Yes.\n\nFor sure. Yeah. Yeah. For sure. Yep.\n\nYeah. That's fine. Thank you. Yes. We did.\n\nI I don't know, man. We went to the office thing that you go to in Southport where they do it for you. I don't know. I mean, if I did, it would be Joe. But I I just don't know.\n\nIt's not really a conversation you wanna remember. It's like, oh, what if you die and your husband die and all your kids die? Like, what do you wanna do then? And I'm like, what? It's not it's not the most fun chat.\n\nBut, yeah, I I really can't remember. Sorry. Yep. Yep. Yep.\n\nYes. Okay. Yes. I do. Yeah.\n\nYes. Yes. Yes. Okay. Yeah.\n\nYeah. I'd say so. Why not? Yeah. Yeah.\n\nI understand. Oh, okay. I mean, I'd say so. Yeah. I mean, we're not close to retirement yet unless we come into some fucking mad amount of money.\n\nSo I reckon just leave it. Yes. Yes. Yes. Nice.\n\nOkay. Mhmm. Okay. Yep. Yep.\n\nYeah. Yeah. Sounds good. Whatever you say. I understand about 18% of it, so that's why you're here.\n\nNo. But, I mean, you use, yeah, you use financial advisers because they know their shit. Right? And we don't. So, yeah, I'm happy to diversify it sounds smart.\n\nOh, nice. Yep. Yeah. Yeah. No dramas.\n\nYeah. Yeah. Yeah. For sure. No.\n\nNo. All good. Mhmm. Yes. Yeah.\n\nYeah. Yeah. Yeah. Okay. Yeah.\n\nNo. Easy done. I think I've I think I've done it. Yeah. It tried to put Kaylee Foster previously, Smith, and it didn't even fit in the box.\n\nI was like, alright. So I've just done my little scribble as best you can on a phone screen. No. Never. It's like when you sign for a parcel, it's like there's no proof that that's me.\n\nBut do you know what? Whatever. Okay. Cool. It's just oh, I think it should be with you.\n\nIt should be good. Alright. Yeah. Yeah. All good.\n\nI've got my confirmation email and shit. I'll be able to get it if I need it. No. No. All good.\n\nThank you for your help. Yep. Alright. Perfect. Thanks for your help.\n\nSpeak to you soon. Bye bye.","paragraphs":[{"sentences":[{"text":"Hey.","start":0.0,"end":0.16,"sentiment":"neutral","sentiment_score":0.2102784514427185},{"text":"How are you doing?","start":0.16,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.24997670948505402},{"text":"Yeah.","start":9.2,"end":9.5199995,"sentiment":"positive","sentiment_score":0.354719340801239},{"text":"Good.","start":9.5199995,"end":9.76,"sentiment":"positive","sentiment_score":0.6512792110443115},{"text":"Thank you.","start":9.76,"end":10.5,"sentiment":"positive","sentiment_score":0.7302087247371674}],"sentiment":"positive","sentiment_score":0.40851125452253556,"num_words":9,"start":0.0,"end":10.5},{"sentences":[{"text":"Yeah.","start":19.145,"end":19.385,"sentiment":"neutral","sentiment_score":0.11584687978029252},{"text":"I basically just wanted to add it because when we first started with you guys, we only added it for my husband, but I just wanted to add it for myself as well.","start":19.385,"end":27.645,"sentiment":"neutral","sentiment_score":0.16929868428093015},{"text":"Okay.","start":35.16,"end":35.66,"sentiment":"neutral","sentiment_score":0.21976937353610992},{"text":"Yeah.","start":41.545,"end":41.945,"sentiment":"neutral","sentiment_score":0.32683444023132324},{"text":"All good.","start":41.945,"end":42.765,"sentiment":"positive","sentiment_score":0.5479000806808472}],"sentiment":"neutral","sentiment_score":0.19329230095210828,"num_words":38,"start":19.145,"end":42.765},{"sentences":[{"text":"09/2009.","start":51.704998,"end":57.079998,"sentiment":"neutral","sentiment_score":0.030515456572175022},{"text":"Yes.","start":64.58,"end":65.08,"sentiment":"neutral","sentiment_score":0.1193859726190567},{"text":"Yeah.","start":70.375,"end":70.875,"sentiment":"neutral","sentiment_score":0.09538477659225464},{"text":"Yeah.","start":78.935,"end":79.335,"sentiment":"neutral","sentiment_score":0.04945499822497368},{"text":"I'll I'll be right to look through then.","start":79.335,"end":82.475,"sentiment":"neutral","sentiment_score":0.07435359200462699}],"sentiment":"neutral","sentiment_score":0.07413082833712299,"num_words":12,"start":51.704998,"end":82.475},{"sentences":[{"text":"Okay.","start":88.53,"end":89.03,"sentiment":"neutral","sentiment_score":0.05191254988312721},{"text":"Mhmm.","start":91.81,"end":92.31,"sentiment":"neutral","sentiment_score":-0.026724928990006447},{"text":"No.","start":97.354996,"end":97.595,"sentiment":"neutral","sentiment_score":-0.1378248780965805},{"text":"I've got it.","start":97.595,"end":98.314995,"sentiment":"neutral","sentiment_score":-0.0854422003030777},{"text":"Tommy I'm not gonna pronounce that surname, but Tommy.","start":98.314995,"end":101.835,"sentiment":"neutral","sentiment_score":-0.04820477755533324}],"sentiment":"neutral","sentiment_score":-0.05352045707404614,"num_words":15,"start":88.53,"end":101.835},{"sentences":[{"text":"Yeah.","start":101.835,"end":102.155,"sentiment":"neutral","sentiment_score":0.00920189544558525},{"text":"It's you.","start":102.155,"end":102.555,"sentiment":"neutral","sentiment_score":0.009324199985712767},{"text":"Yeah.","start":102.555,"end":103.055,"sentiment":"neutral","sentiment_score":0.0434088408946991},{"text":"Alright.","start":103.835,"end":104.335,"sentiment":"neutral","sentiment_score":0.1538768857717514},{"text":"Sweet.","start":104.555,"end":105.055,"sentiment":"positive","sentiment_score":0.3362390995025635}],"sentiment":"neutral","sentiment_score":0.09356252026433746,"num_words":6,"start":101.835,"end":105.055},{"sentences":[{"text":"Mhmm.","start":108.715,"end":109.215,"sentiment":"neutral","sentiment_score":0.10046135634183884},{"text":"Yes.","start":114.75,"end":115.25,"sentiment":"neutral","sentiment_score":-0.014101637527346613},{"text":"Yes.","start":123.84499,"end":124.34499,"sentiment":"neutral","sentiment_score":0.05468348786234856},{"text":"Yes.","start":135.205,"end":135.63,"sentiment":"neutral","sentiment_score":0.05765395611524582},{"text":"Yep.","start":142.59001,"end":142.99,"sentiment":"neutral","sentiment_score":0.03777599707245827}],"sentiment":"neutral","sentiment_score":0.04729463197290897,"num_words":5,"start":108.715,"end":142.99},{"sentences":[{"text":"No.","start":142.99,"end":143.23001,"sentiment":"neutral","sentiment_score":-0.021751485764980316},{"text":"I've got two.","start":143.23001,"end":144.13,"sentiment":"neutral","sentiment_score":-0.0012009510149558384},{"text":"Yeah.","start":155.355,"end":155.675,"sentiment":"neutral","sentiment_score":0.059230245649814606},{"text":"Yeah.","start":155.675,"end":155.91501,"sentiment":"neutral","sentiment_score":0.037887826561927795},{"text":"So yeah.","start":155.91501,"end":156.475,"sentiment":"neutral","sentiment_score":0.01857494842261076}],"sentiment":"neutral","sentiment_score":0.013614203780889511,"num_words":8,"start":142.99,"end":156.475},{"sentences":[{"text":"I've got a yeah.","start":156.475,"end":157.675,"sentiment":"neutral","sentiment_score":0.016704956302419305},{"text":"So she's two now.","start":157.675,"end":159.035,"sentiment":"neutral","sentiment_score":0.037280306220054626},{"text":"So yeah.","start":159.035,"end":160.395,"sentiment":"neutral","sentiment_score":0.04344145208597183},{"text":"So two dependents.","start":160.395,"end":161.615,"sentiment":"neutral","sentiment_score":0.03425954903165499},{"text":"Vienna.","start":165.84,"end":166.34,"sentiment":"neutral","sentiment_score":0.010166922584176064}],"sentiment":"neutral","sentiment_score":0.02969782313864146,"num_words":14,"start":156.475,"end":166.34},{"sentences":[{"text":"Yes.","start":169.84,"end":170.34,"sentiment":"neutral","sentiment_score":0.14143972098827362},{"text":"Yeah.","start":180.445,"end":180.945,"sentiment":"neutral","sentiment_score":0.04876085743308067},{"text":"Yeah.","start":182.60501,"end":182.845,"sentiment":"neutral","sentiment_score":0.08093508332967758},{"text":"You should probably do both of them.","start":182.845,"end":184.625,"sentiment":"neutral","sentiment_score":0.0895509272813797},{"text":"Yes, please.","start":188.54001,"end":192.16,"sentiment":"neutral","sentiment_score":0.12905140966176987}],"sentiment":"neutral","sentiment_score":0.09634124767035246,"num_words":12,"start":169.84,"end":192.16},{"sentences":[{"text":"Yes.","start":206.885,"end":207.285,"sentiment":"neutral","sentiment_score":0.16657251119613647},{"text":"All good.","start":207.285,"end":208.105,"sentiment":"positive","sentiment_score":0.4635927975177765},{"text":"Yeah.","start":216.20999,"end":216.70999,"sentiment":"neutral","sentiment_score":0.07384969294071198},{"text":"Yes.","start":226.37,"end":226.87,"sentiment":"neutral","sentiment_score":0.05565623193979263},{"text":"Yes.","start":226.93,"end":227.33,"sentiment":"neutral","sentiment_score":0.07193315774202347}],"sentiment":"neutral","sentiment_score":0.2158661981423696,"num_words":6,"start":206.885,"end":227.33},{"sentences":[{"text":"That's right.","start":227.33,"end":228.15,"sentiment":"neutral","sentiment_score":0.10591470822691917},{"text":"Yeah.","start":234.97499,"end":235.295,"sentiment":"neutral","sentiment_score":0.05057594925165176},{"text":"I do get bonuses.","start":235.295,"end":236.595,"sentiment":"neutral","sentiment_score":0.05331762973219156},{"text":"It fluctuates, so obviously, it's based on invoicing.","start":237.69499,"end":241.075,"sentiment":"neutral","sentiment_score":-0.034150912426412106},{"text":"I think at the moment, this financial year today, I'm I've got about 50 k ish.","start":241.855,"end":249.42,"sentiment":"neutral","sentiment_score":0.014158984937239438}],"sentiment":"neutral","sentiment_score":0.013839107878025501,"num_words":31,"start":227.33,"end":249.42},{"sentences":[{"text":"So say I've yeah.","start":251.24,"end":253.82,"sentiment":"neutral","sentiment_score":0.04548627627082169},{"text":"Yes.","start":261.145,"end":261.54498,"sentiment":"neutral","sentiment_score":0.2561005651950836},{"text":"He is open.","start":261.54498,"end":262.365,"sentiment":"neutral","sentiment_score":0.26722807188828784},{"text":"I would I would say probably just do it on the base because it like I said, it does fluctuate.","start":278.19998,"end":283.18,"sentiment":"neutral","sentiment_score":0.009418929927051067},{"text":"So I don't wanna over commit.","start":283.4,"end":284.94,"sentiment":"neutral","sentiment_score":-0.05441126972436905}],"sentiment":"neutral","sentiment_score":0.0324012019452365,"num_words":34,"start":251.24,"end":284.94},{"sentences":[{"text":"Do You know what I mean?","start":285.72,"end":286.92502,"sentiment":"neutral","sentiment_score":-0.011081547476351261},{"text":"Yeah.","start":295.065,"end":295.385,"sentiment":"neutral","sentiment_score":0.03023893386125565},{"text":"Precisely.","start":295.385,"end":295.885,"sentiment":"neutral","sentiment_score":0.05133747309446335},{"text":"Yeah.","start":296.905,"end":297.305,"sentiment":"neutral","sentiment_score":0.024650774896144867},{"text":"So I reckon it's just safer to base it on the base.","start":297.305,"end":301.22,"sentiment":"neutral","sentiment_score":0.04204618123670419}],"sentiment":"neutral","sentiment_score":0.025918670087343172,"num_words":21,"start":285.72,"end":301.22},{"sentences":[{"text":"Obviously, on the provider that hopefully I'll never need it.","start":301.28,"end":304.18002,"sentiment":"neutral","sentiment_score":0.007525487802922726},{"text":"Yep.","start":315.935,"end":316.435,"sentiment":"neutral","sentiment_score":0.07222688943147659},{"text":"Yep.","start":321.055,"end":321.555,"sentiment":"neutral","sentiment_score":0.0505068302154541},{"text":"Yeah.","start":324.175,"end":324.495,"sentiment":"neutral","sentiment_score":0.04037408158183098},{"text":"Yeah.","start":324.495,"end":324.895,"sentiment":"neutral","sentiment_score":0.046627551317214966}],"sentiment":"neutral","sentiment_score":0.020356445041085993,"num_words":14,"start":301.28,"end":324.895},{"sentences":[{"text":"I'm I'm sure we would make it work.","start":324.895,"end":327.215,"sentiment":"neutral","sentiment_score":0.0695005867164582},{"text":"I mean, right now, we'd be surviving on Joe's if we were both fucked, So I think it's better than what we've got now.","start":327.215,"end":334.1,"sentiment":"neutral","sentiment_score":-0.03232892949017696},{"text":"So yeah.","start":335.92,"end":336.48,"sentiment":"neutral","sentiment_score":0.12392300739884377},{"text":"All good.","start":336.48,"end":337.22,"sentiment":"neutral","sentiment_score":0.23062582314014435},{"text":"Yep.","start":349.015,"end":349.515,"sentiment":"neutral","sentiment_score":0.019935544580221176}],"sentiment":"neutral","sentiment_score":0.013760637611503134,"num_words":37,"start":324.895,"end":349.515},{"sentences":[{"text":"Sorry.","start":359.3,"end":359.62,"sentiment":"neutral","sentiment_score":-0.04289516806602478},{"text":"What was that?","start":359.62,"end":360.34,"sentiment":"neutral","sentiment_score":-0.0408656100432078},{"text":"So thirty days or sixty to ninety?","start":360.34,"end":362.84,"sentiment":"neutral","sentiment_score":-0.024741069812859808},{"text":"I mean, I'd need to probably know what the difference is.","start":368.02,"end":371.685,"sentiment":"neutral","sentiment_score":-0.03960314206779003},{"text":"I don't I don't know what Joe's is set at.","start":371.685,"end":374.16498,"sentiment":"neutral","sentiment_score":-0.14703627079725265}],"sentiment":"neutral","sentiment_score":-0.07014614867512137,"num_words":32,"start":359.3,"end":374.16498},{"sentences":[{"text":"I can't remember what Sevi said to do it.","start":374.16498,"end":377.205,"sentiment":"neutral","sentiment_score":-0.0727588145269288},{"text":"He kinda guided us with the initial setup of Joe's because we didn't have a clue.","start":377.205,"end":381.28497,"sentiment":"neutral","sentiment_score":-0.03526988020166755},{"text":"So yeah.","start":381.28497,"end":385.06497,"sentiment":"neutral","sentiment_score":0.04246608540415763},{"text":"Yeah.","start":396.66998,"end":396.83,"sentiment":"neutral","sentiment_score":0.1286233365535736},{"text":"Okay.","start":396.83,"end":397.33,"sentiment":"neutral","sentiment_score":0.11619509756565094}],"sentiment":"neutral","sentiment_score":-0.03066885548418966,"num_words":29,"start":374.16498,"end":397.33},{"sentences":[{"text":"Yeah.","start":400.83,"end":401.33,"sentiment":"neutral","sentiment_score":0.15043114125728607},{"text":"Okay.","start":407.855,"end":408.355,"sentiment":"positive","sentiment_score":0.3886091709136963},{"text":"Okay.","start":409.855,"end":410.335,"sentiment":"neutral","sentiment_score":0.2495311051607132},{"text":"Sure.","start":410.335,"end":410.73502,"sentiment":"neutral","sentiment_score":0.2554720938205719},{"text":"Let's let's go with that then.","start":410.73502,"end":413.475,"sentiment":"neutral","sentiment_score":0.19528474658727646}],"sentiment":"neutral","sentiment_score":0.22157519906759263,"num_words":10,"start":400.83,"end":413.475},{"sentences":[{"text":"Yeah.","start":424.72,"end":425.22,"sentiment":"neutral","sentiment_score":-0.22971290349960327},{"text":"Okay.","start":426.0,"end":426.5,"sentiment":"neutral","sentiment_score":-0.2207583785057068},{"text":"Yeah.","start":433.725,"end":434.205,"sentiment":"neutral","sentiment_score":-0.01889408752322197},{"text":"Sure thing.","start":434.205,"end":434.94498,"sentiment":"neutral","sentiment_score":0.0637775007635355},{"text":"Look at the out of pocket, I guess, and see where we stand with that.","start":455.69,"end":460.19,"sentiment":"neutral","sentiment_score":-0.046360306938489276}],"sentiment":"neutral","sentiment_score":-0.05186074860394001,"num_words":20,"start":424.72,"end":460.19},{"sentences":[{"text":"Yeah.","start":465.41498,"end":465.91498,"sentiment":"neutral","sentiment_score":0.013978103175759315},{"text":"Sure.","start":475.84998,"end":476.34998,"sentiment":"neutral","sentiment_score":0.09353892505168916},{"text":"Yes.","start":485.21,"end":485.71,"sentiment":"neutral","sentiment_score":0.06533458828926086},{"text":"Yep.","start":491.965,"end":492.365,"sentiment":"neutral","sentiment_score":0.08878110349178314},{"text":"Precisely.","start":492.365,"end":492.865,"sentiment":"neutral","sentiment_score":0.14219443500041962}],"sentiment":"neutral","sentiment_score":0.08076543100178242,"num_words":5,"start":465.41498,"end":492.865},{"sentences":[{"text":"Yeah.","start":494.525,"end":494.76498,"sentiment":"neutral","sentiment_score":0.05053368955850601},{"text":"Yeah.","start":494.76498,"end":495.165,"sentiment":"neutral","sentiment_score":0.039477188140153885},{"text":"BDM.","start":495.165,"end":495.665,"sentiment":"neutral","sentiment_score":0.016576465219259262},{"text":"So well, on I'm not on the road so much now, to be honest.","start":495.805,"end":499.165,"sentiment":"neutral","sentiment_score":-0.006139953687254872},{"text":"It's more I work from home four days a week.","start":499.165,"end":502.08,"sentiment":"neutral","sentiment_score":0.031048794835805894}],"sentiment":"neutral","sentiment_score":0.0122635533205337,"num_words":27,"start":494.525,"end":502.08},{"sentences":[{"text":"So I do primarily Teams meetings because we're aligned with Telstra and they've obviously got, like, a national presence.","start":503.12,"end":509.91998,"sentiment":"neutral","sentiment_score":0.08564201526735958},{"text":"So we yeah.","start":509.91998,"end":512.0,"sentiment":"neutral","sentiment_score":0.03407257795333862},{"text":"I generally do most of my meetings from home.","start":512.0,"end":513.92,"sentiment":"neutral","sentiment_score":0.07058198915587531},{"text":"I'm not driving too much anymore.","start":513.92,"end":515.62,"sentiment":"neutral","sentiment_score":-0.04081773074964682},{"text":"Four from home and then one from the office, one from Brisbane.","start":521.555,"end":525.895,"sentiment":"neutral","sentiment_score":0.2457682794580857}],"sentiment":"neutral","sentiment_score":0.10344830398656885,"num_words":49,"start":503.12,"end":525.895},{"sentences":[{"text":"No.","start":539.41,"end":539.91,"sentiment":"neutral","sentiment_score":-0.10629889369010924},{"text":"No.","start":539.97,"end":540.29,"sentiment":"neutral","sentiment_score":-0.11706550419330596},{"text":"I'll just be able to chat.","start":540.29,"end":541.67,"sentiment":"neutral","sentiment_score":-0.0871893676618735},{"text":"Yeah.","start":545.17,"end":545.49,"sentiment":"neutral","sentiment_score":0.015245163813233376},{"text":"That's it.","start":545.49,"end":546.39,"sentiment":"neutral","sentiment_score":0.00837810430675745}],"sentiment":"neutral","sentiment_score":-0.06495447558435527,"num_words":11,"start":539.41,"end":546.39},{"sentences":[{"text":"No.","start":550.685,"end":551.185,"sentiment":"neutral","sentiment_score":-0.06741963326931},{"text":"Hell no.","start":552.125,"end":553.025,"sentiment":"neutral","sentiment_score":-0.01654023677110672},{"text":"Yep.","start":567.23,"end":567.73,"sentiment":"neutral","sentiment_score":0.2833843231201172},{"text":"I mean, yeah, I guess it makes sense to look at all the options.","start":592.6,"end":597.57996,"sentiment":"neutral","sentiment_score":0.06764217359679085},{"text":"Yeah.","start":611.175,"end":611.675,"sentiment":"neutral","sentiment_score":0.042483583092689514}],"sentiment":"neutral","sentiment_score":0.0617030647240187,"num_words":19,"start":550.685,"end":611.675},{"sentences":[{"text":"No.","start":621.85,"end":622.35,"sentiment":"neutral","sentiment_score":-0.005105684511363506},{"text":"Nothing.","start":622.64996,"end":623.14996,"sentiment":"neutral","sentiment_score":-0.0003438051789999008},{"text":"Nada.","start":624.56995,"end":625.06995,"sentiment":"neutral","sentiment_score":0.08348159492015839},{"text":"Yep.","start":634.15497,"end":634.65497,"sentiment":"neutral","sentiment_score":0.0552535317838192},{"text":"Perfect.","start":636.235,"end":636.735,"sentiment":"positive","sentiment_score":0.5327972769737244}],"sentiment":"neutral","sentiment_score":0.1332165827974677,"num_words":5,"start":621.85,"end":636.735},{"sentences":[{"text":"Yeah.","start":638.475,"end":638.955,"sentiment":"neutral","sentiment_score":0.21676811575889587},{"text":"No no changes.","start":638.955,"end":640.255,"sentiment":"neutral","sentiment_score":-0.12648497273524603},{"text":"Didn't start smoking.","start":640.635,"end":642.015,"sentiment":"neutral","sentiment_score":-0.16482576231161752},{"text":"Didn't start any of that shit.","start":642.075,"end":643.435,"sentiment":"neutral","sentiment_score":-0.22494557996590933},{"text":"So it should all still be very much current.","start":643.435,"end":645.855,"sentiment":"neutral","sentiment_score":0.005085116459263695}],"sentiment":"neutral","sentiment_score":-0.08913961459289897,"num_words":22,"start":638.475,"end":645.855},{"sentences":[{"text":"Oh, yeah.","start":663.22504,"end":663.86505,"sentiment":"neutral","sentiment_score":-0.03392780851572752},{"text":"Probably.","start":663.86505,"end":664.36505,"sentiment":"neutral","sentiment_score":-0.03847234696149826},{"text":"Let me think.","start":666.185,"end":667.245,"sentiment":"neutral","sentiment_score":-0.03607363378008207},{"text":"Oh, blah blah blah blah.","start":668.98505,"end":670.025,"sentiment":"neutral","sentiment_score":-0.0920290321111679},{"text":"Fuck.","start":670.025,"end":670.34503,"sentiment":"neutral","sentiment_score":-0.33033472299575806}],"sentiment":"neutral","sentiment_score":-0.08375239574039976,"num_words":12,"start":663.22504,"end":670.34503},{"sentences":[{"text":"I could probably check on HSBC.","start":670.34503,"end":672.445,"sentiment":"neutral","sentiment_score":-0.09511764099200566},{"text":"Yeah.","start":681.17,"end":681.65,"sentiment":"neutral","sentiment_score":-0.018142687156796455},{"text":"It would be around that because we did do an equity release to do some work at home.","start":681.65,"end":687.91,"sentiment":"neutral","sentiment_score":-0.034438398459719285},{"text":"I'm just gonna jump into HSBC and check.","start":688.825,"end":692.605,"sentiment":"neutral","sentiment_score":-0.03796759806573391},{"text":"It feels fucking let me log in.","start":704.52,"end":706.78,"sentiment":"negative","sentiment_score":-0.48191344312259127}],"sentiment":"neutral","sentiment_score":-0.1221468647941947,"num_words":40,"start":670.34503,"end":706.78},{"sentences":[{"text":"Yeah.","start":707.32,"end":707.82,"sentiment":"neutral","sentiment_score":-0.1833665370941162},{"text":"I I actually detest HSBC.","start":710.92004,"end":712.78,"sentiment":"negative","sentiment_score":-0.3852297902107239},{"text":"Their online banking is bullshit, and they've blocked me out the app.","start":713.08,"end":717.015,"sentiment":"negative","sentiment_score":-0.4586389809846878},{"text":"So I have to log in via a browser, which is fucking ridiculous.","start":717.015,"end":720.47504,"sentiment":"neutral","sentiment_score":-0.2682898766719378},{"text":"Yeah.","start":721.575,"end":721.815,"sentiment":"neutral","sentiment_score":-0.14194756746292114}],"sentiment":"negative","sentiment_score":-0.3513406007550657,"num_words":32,"start":707.32,"end":721.815},{"sentences":[{"text":"No.","start":721.815,"end":721.97504,"sentiment":"neutral","sentiment_score":-0.21317389607429504},{"text":"It's a bollock.","start":721.97504,"end":722.85504,"sentiment":"neutral","sentiment_score":-0.24938245117664337},{"text":"Okay.","start":722.85504,"end":723.255,"sentiment":"neutral","sentiment_score":-0.07480296492576599},{"text":"So one 48.","start":723.255,"end":727.755,"sentiment":"neutral","sentiment_score":-0.0633217990398407},{"text":"Let me scroll down.","start":728.935,"end":730.47504,"sentiment":"neutral","sentiment_score":-0.05657134111970663}],"sentiment":"neutral","sentiment_score":-0.12103124801069498,"num_words":12,"start":721.815,"end":730.47504},{"sentences":[{"text":"Alright.","start":733.59,"end":734.07,"sentiment":"neutral","sentiment_score":-0.03299000859260559},{"text":"148735.","start":734.07,"end":736.71,"sentiment":"neutral","sentiment_score":-0.03045731782913208},{"text":"That's not 8.","start":736.71,"end":737.69,"sentiment":"neutral","sentiment_score":-0.08615711083014806},{"text":"788.","start":737.83,"end":739.21,"sentiment":"neutral","sentiment_score":-0.06746187061071396},{"text":"And investment.","start":742.71,"end":743.45,"sentiment":"neutral","sentiment_score":-0.06585516780614853}],"sentiment":"neutral","sentiment_score":-0.06513635814189911,"num_words":8,"start":733.59,"end":743.45},{"sentences":[{"text":"Fuck.","start":747.765,"end":748.265,"sentiment":"neutral","sentiment_score":-0.29128119349479675},{"text":"It doesn't like me.","start":749.405,"end":752.185,"sentiment":"neutral","sentiment_score":-0.25107060745358467},{"text":"I'm scrolling on the browser, which is super annoying.","start":752.565,"end":757.625,"sentiment":"neutral","sentiment_score":-0.13334507412380642},{"text":"Yeah.","start":763.24005,"end":763.74005,"sentiment":"neutral","sentiment_score":-0.27840226888656616},{"text":"Yeah.","start":765.32,"end":765.72003,"sentiment":"neutral","sentiment_score":-0.049110881984233856}],"sentiment":"neutral","sentiment_score":-0.17644890258088708,"num_words":16,"start":747.765,"end":765.72003},{"sentences":[{"text":"So yeah.","start":765.72003,"end":766.36005,"sentiment":"neutral","sentiment_score":-0.033934460952878},{"text":"1.33.","start":766.36005,"end":769.66003,"sentiment":"neutral","sentiment_score":-0.020106103271245956},{"text":"Yeah.","start":769.96,"end":770.36005,"sentiment":"neutral","sentiment_score":-0.02151051908731461},{"text":"Probably about, like, 1.45 ish going.","start":770.36005,"end":777.255,"sentiment":"neutral","sentiment_score":-0.031661683383087315},{"text":"Yeah.","start":777.255,"end":777.495,"sentiment":"neutral","sentiment_score":-0.015016666613519192}],"sentiment":"neutral","sentiment_score":-0.028588391925123604,"num_words":11,"start":765.72003,"end":777.495},{"sentences":[{"text":"For everything.","start":777.495,"end":778.235,"sentiment":"neutral","sentiment_score":-0.007768890354782342},{"text":"No.","start":786.295,"end":786.75,"sentiment":"neutral","sentiment_score":-0.0273298230022192},{"text":"Yeah.","start":812.005,"end":812.405,"sentiment":"neutral","sentiment_score":0.0015642009675502775},{"text":"So would you say it's it's it's okay where it is?","start":812.405,"end":824.83997,"sentiment":"neutral","sentiment_score":0.030677516182715244},{"text":"Yep.","start":826.9725,"end":827.4725,"sentiment":"neutral","sentiment_score":0.07359530031681061}],"sentiment":"neutral","sentiment_score":0.023109035973902792,"num_words":16,"start":777.495,"end":827.4725},{"sentences":[{"text":"Yeah.","start":830.165,"end":830.665,"sentiment":"neutral","sentiment_score":0.06722592562437057},{"text":"Yeah.","start":832.045,"end":832.545,"sentiment":"neutral","sentiment_score":0.08205464482307434},{"text":"Alright.","start":833.925,"end":834.425,"sentiment":"neutral","sentiment_score":0.20952419936656952},{"text":"Sweetheart, let's do that then.","start":834.485,"end":836.26495,"sentiment":"neutral","sentiment_score":0.24015864431858064},{"text":"Yeah.","start":846.30005,"end":846.54004,"sentiment":"neutral","sentiment_score":0.00041779130697250366}],"sentiment":"neutral","sentiment_score":0.17333508696821,"num_words":9,"start":830.165,"end":846.54004},{"sentences":[{"text":"I don't I'm I paid that out, but I still have the car.","start":846.54004,"end":852.24005,"sentiment":"neutral","sentiment_score":-0.0035287717070717076},{"text":"No.","start":864.325,"end":864.565,"sentiment":"neutral","sentiment_score":-0.05885555222630501},{"text":"It's a Joe question about crypto.","start":864.565,"end":866.485,"sentiment":"neutral","sentiment_score":-0.06552205669383208},{"text":"Probably not.","start":866.485,"end":867.125,"sentiment":"neutral","sentiment_score":-0.17790741473436356},{"text":"I reckon it all tanked.","start":867.125,"end":868.425,"sentiment":"neutral","sentiment_score":-0.2833010256290436}],"sentiment":"neutral","sentiment_score":-0.08408081045167314,"num_words":27,"start":846.54004,"end":868.425},{"sentences":[{"text":"I don't think so.","start":869.65,"end":871.25,"sentiment":"neutral","sentiment_score":-0.1964351199567318},{"text":"No.","start":871.25,"end":871.57,"sentiment":"neutral","sentiment_score":-0.15346425771713257},{"text":"I think that's it.","start":871.57,"end":872.87,"sentiment":"neutral","sentiment_score":-0.12825409695506096},{"text":"Yep.","start":879.65,"end":880.15,"sentiment":"neutral","sentiment_score":0.11020542681217194},{"text":"Yep.","start":883.57,"end":884.055,"sentiment":"neutral","sentiment_score":0.05111207067966461}],"sentiment":"neutral","sentiment_score":-0.11735487526113336,"num_words":11,"start":869.65,"end":884.055},{"sentences":[{"text":"For what?","start":888.935,"end":889.675,"sentiment":"neutral","sentiment_score":-0.011636773589998484},{"text":"No.","start":910.23,"end":910.47003,"sentiment":"neutral","sentiment_score":-0.13616538047790527},{"text":"I don't reckon.","start":910.47003,"end":911.29,"sentiment":"neutral","sentiment_score":-0.11644954234361649},{"text":"Yep.","start":922.52496,"end":923.02496,"sentiment":"neutral","sentiment_score":0.08138193190097809},{"text":"Yeah.","start":928.01,"end":928.49,"sentiment":"neutral","sentiment_score":0.036019667983055115}],"sentiment":"neutral","sentiment_score":-0.04892324435058981,"num_words":8,"start":888.935,"end":928.49},{"sentences":[{"text":"We put it we just put 500 a fortnight into, like, a offset type thing.","start":928.49,"end":937.15,"sentiment":"neutral","sentiment_score":0.05871180109679699},{"text":"Yes.","start":939.22504,"end":939.465,"sentiment":"neutral","sentiment_score":0.12216154485940932},{"text":"So we've got that.","start":939.465,"end":940.765,"sentiment":"neutral","sentiment_score":0.16291288286447525},{"text":"Obviously, once my kid is out of Kindy, I will be $30 a year, almost better off, so that would be nice.","start":941.705,"end":950.4,"sentiment":"neutral","sentiment_score":0.16355794769796458},{"text":"But, yeah, it's sort of one of those where yeah.","start":951.52,"end":954.4,"sentiment":"neutral","sentiment_score":0.025725286267697812}],"sentiment":"neutral","sentiment_score":0.10596188086156662,"num_words":52,"start":928.49,"end":954.4},{"sentences":[{"text":"Well, at the moment, yeah, like, our educate our education fees are, like, $35 a year.","start":954.4,"end":959.60004,"sentiment":"neutral","sentiment_score":0.00148400675971061},{"text":"So, like, what sorry.","start":959.60004,"end":960.96,"sentiment":"neutral","sentiment_score":-0.0007420557085424662},{"text":"Vienna's a $20 out of that.","start":960.96,"end":962.88,"sentiment":"neutral","sentiment_score":0.016031722460562985},{"text":"So once she's out of kindy, we'll have and she goes into Lila's private school, which is insane because we save money by putting her in private school, but, like, we'll have an extra maybe if it's a joke.","start":962.88,"end":975.02496,"sentiment":"neutral","sentiment_score":0.049397981677873015},{"text":"She sits in finger paints and they charge just fucking $25 a year.","start":975.02496,"end":978.81,"sentiment":"neutral","sentiment_score":-0.2853581595879335}],"sentiment":"neutral","sentiment_score":-0.02136113550155782,"num_words":78,"start":954.4,"end":978.81},{"sentences":[{"text":"But yeah.","start":979.85,"end":980.59,"sentiment":"neutral","sentiment_score":-0.14823247492313385},{"text":"Oh, it's just insane.","start":982.97,"end":984.67,"sentiment":"neutral","sentiment_score":-0.21308161690831184},{"text":"Like, how how is the private school cheaper than the kindy?","start":984.89,"end":988.09,"sentiment":"neutral","sentiment_score":-0.08988139236515219},{"text":"Like, she literally just stands around and covers herself in sand.","start":988.09,"end":991.47,"sentiment":"neutral","sentiment_score":-0.10408424586057663},{"text":"But yeah.","start":992.605,"end":993.245,"sentiment":"neutral","sentiment_score":0.01752177905291319}],"sentiment":"neutral","sentiment_score":-0.10824566266189019,"num_words":30,"start":979.85,"end":993.245},{"sentences":[{"text":"So once she's, like I think once she's three, she can go into the school's kindy, which I do think is a bit cheaper.","start":993.245,"end":1001.725,"sentiment":"neutral","sentiment_score":0.15988009423017502},{"text":"So we'll have a bit more of a surplus, and then we'll hopefully be able to start putting back into the shared portfolio because that's what we obviously wanna be doing.","start":1001.725,"end":1008.62,"sentiment":"neutral","sentiment_score":0.29447667637178976},{"text":"But, yeah, just for now, we're we're pretty good just with the offset, I think.","start":1009.08,"end":1013.58,"sentiment":"neutral","sentiment_score":0.2636802593866984},{"text":"Yeah.","start":1019.80005,"end":1020.165,"sentiment":"neutral","sentiment_score":0.08741943538188934},{"text":"We wanna invest in more properties because, like, we obviously came to this country late.","start":1024.885,"end":1031.125,"sentiment":"neutral","sentiment_score":0.2163385679324468}],"sentiment":"neutral","sentiment_score":0.23550698923510174,"num_words":86,"start":993.245,"end":1031.125},{"sentences":[{"text":"So whilst you guys are obviously helping you build, you got the super, you you still don't wanna just hedge your back just on that.","start":1031.125,"end":1038.86,"sentiment":"neutral","sentiment_score":0.2610096287727356},{"text":"So we wanna kind of keep building up those assets.","start":1038.86,"end":1041.66,"sentiment":"positive","sentiment_score":0.33864153921604156},{"text":"We we do have financial approval to purchase another property at the moment, but I just haven't found anything that's quite right, and I don't want negatively geared.","start":1041.66,"end":1051.585,"sentiment":"neutral","sentiment_score":-0.09973296044128281},{"text":"I want it to be, like, at least breaking even.","start":1051.585,"end":1053.985,"sentiment":"neutral","sentiment_score":-0.01887233704328537},{"text":"So I'm holding off until the property market comes itself down because everything is just insane still at the moment.","start":1053.985,"end":1063.845,"sentiment":"neutral","sentiment_score":-0.2106036927551031}],"sentiment":"neutral","sentiment_score":0.029229419285892157,"num_words":93,"start":1031.125,"end":1063.845},{"sentences":[{"text":"Yeah.","start":1070.28,"end":1070.78,"sentiment":"neutral","sentiment_score":-0.014782635495066644},{"text":"Yeah.","start":1072.04,"end":1072.44,"sentiment":"neutral","sentiment_score":-0.021187329664826393},{"text":"Exactly.","start":1072.44,"end":1072.94,"sentiment":"neutral","sentiment_score":-0.01559523306787014},{"text":"Well, that's right.","start":1075.24,"end":1076.2,"sentiment":"neutral","sentiment_score":0.06350705275932948},{"text":"And even, like, looking yeah.","start":1076.2,"end":1078.86,"sentiment":"neutral","sentiment_score":0.01631823889911175}],"sentiment":"neutral","sentiment_score":0.020049741322343998,"num_words":11,"start":1070.28,"end":1078.86},{"sentences":[{"text":"Well, I did have an interest in commercial.","start":1088.845,"end":1092.0651,"sentiment":"neutral","sentiment_score":0.012084996560588479},{"text":"The problem is because we don't have a cash deposit, the property is effectively gonna be 100% mortgage.","start":1092.2051,"end":1099.5,"sentiment":"neutral","sentiment_score":-0.26469871857100064},{"text":"And therefore, again, we have the issue with negative gearing with commercial tenancy.","start":1100.12,"end":1105.1799,"sentiment":"negative","sentiment_score":-0.34821537595528823},{"text":"We we're we've been, like, preapproved.","start":1105.7999,"end":1107.74,"sentiment":"neutral","sentiment_score":-0.2763218805193901},{"text":"We said we can they my broker said we can sort of comfortably get something around the 800,000 mark.","start":1108.28,"end":1113.9249,"sentiment":"neutral","sentiment_score":-0.24358406427659487}],"sentiment":"neutral","sentiment_score":-0.2418863336497452,"num_words":64,"start":1088.845,"end":1113.9249},{"sentences":[{"text":"But, again, like, you can't get nothing for that on the Gold Coast.","start":1114.545,"end":1118.385,"sentiment":"negative","sentiment_score":-0.4596694065974309},{"text":"And even if you can, like, you you're gonna be negatively dead because it's only let out for fucking 800 a week, and you need a grand a week just to cover the mortgage.","start":1118.385,"end":1126.79,"sentiment":"negative","sentiment_score":-0.5475881108466316},{"text":"And then I looked at further out.","start":1127.65,"end":1129.5701,"sentiment":"neutral","sentiment_score":-0.13452298513480596},{"text":"So I looked as far out as bloody Mount Isa, but then there's a whole ramification about borrowing from Mount Isa because it's a high risk area.","start":1129.5701,"end":1137.99,"sentiment":"neutral","sentiment_score":-0.27552825764373495},{"text":"Because there's some really good cash flow properties out there, but it's obviously really high risk too because if the mine closes, you're screwed because then there's no one to live in the house.","start":1138.285,"end":1148.785,"sentiment":"negative","sentiment_score":-0.3801816846517956}],"sentiment":"negative","sentiment_score":-0.3991373842177184,"num_words":115,"start":1114.545,"end":1148.785},{"sentences":[{"text":"So, yes, I have been looking Exactly.","start":1150.285,"end":1155.86,"sentiment":"neutral","sentiment_score":-0.1342231727072171},{"text":"So it's it's just it's a risky time.","start":1155.86,"end":1158.26,"sentiment":"neutral","sentiment_score":-0.30343165062367916},{"text":"Like, I'm not opposed to investing now.","start":1158.26,"end":1160.1,"sentiment":"neutral","sentiment_score":-0.20112292787858418},{"text":"I just I genuinely just haven't found the right option.","start":1160.1,"end":1163.96,"sentiment":"negative","sentiment_score":-0.4377251625061035},{"text":"And then, yeah, like, you can get cheap properties down in Melbourne, but there's 500 apartments that look exactly the same that are all up for rent.","start":1164.1,"end":1172.165,"sentiment":"neutral","sentiment_score":-0.12794433506550612}],"sentiment":"neutral","sentiment_score":-0.21367160306643632,"num_words":59,"start":1150.285,"end":1172.165},{"sentences":[{"text":"So you then you kinda, like, well, how likely am I to get a tenant in yeah.","start":1172.165,"end":1176.725,"sentiment":"neutral","sentiment_score":-0.10813839602119782},{"text":"So yeah.","start":1176.725,"end":1177.205,"sentiment":"neutral","sentiment_score":0.006535829044878484},{"text":"Lots of moving parts with that one, but, yes, in that was a very long winded way of saying, yes.","start":1177.205,"end":1182.165,"sentiment":"neutral","sentiment_score":-0.034151781164109704},{"text":"We will be buying more property, but just not yet.","start":1182.165,"end":1185.38,"sentiment":"neutral","sentiment_score":-0.03369547612965107},{"text":"Can you tell me?","start":1190.64,"end":1191.78,"sentiment":"neutral","sentiment_score":0.05968702211976051}],"sentiment":"neutral","sentiment_score":-0.0491796862334013,"num_words":53,"start":1172.165,"end":1191.78},{"sentences":[{"text":"Yeah.","start":1206.7251,"end":1207.2251,"sentiment":"neutral","sentiment_score":0.02587346732616425},{"text":"Yeah.","start":1210.245,"end":1210.5651,"sentiment":"neutral","sentiment_score":0.0320989154279232},{"text":"I would say so.","start":1210.5651,"end":1211.7051,"sentiment":"neutral","sentiment_score":0.037906818091869354},{"text":"Yeah.","start":1224.8,"end":1225.28,"sentiment":"neutral","sentiment_score":0.0502735823392868},{"text":"Yes.","start":1225.28,"end":1225.68,"sentiment":"neutral","sentiment_score":0.07116425782442093}],"sentiment":"neutral","sentiment_score":0.041379686910659075,"num_words":8,"start":1206.7251,"end":1225.68},{"sentences":[{"text":"For sure.","start":1225.68,"end":1226.34,"sentiment":"neutral","sentiment_score":0.10442560538649559},{"text":"Yeah.","start":1235.5651,"end":1235.805,"sentiment":"neutral","sentiment_score":0.1069909930229187},{"text":"Yeah.","start":1235.805,"end":1236.125,"sentiment":"neutral","sentiment_score":0.10317647457122804},{"text":"For sure.","start":1236.125,"end":1236.865,"sentiment":"neutral","sentiment_score":0.1033574789762497},{"text":"Yep.","start":1241.17,"end":1241.67,"sentiment":"neutral","sentiment_score":0.07418429851531982}],"sentiment":"neutral","sentiment_score":0.09998827640499387,"num_words":7,"start":1225.68,"end":1241.67},{"sentences":[{"text":"Yeah.","start":1250.93,"end":1251.25,"sentiment":"neutral","sentiment_score":0.153284952044487},{"text":"That's fine.","start":1251.25,"end":1252.05,"sentiment":"neutral","sentiment_score":0.2668938934803009},{"text":"Thank you.","start":1252.05,"end":1252.79,"sentiment":"positive","sentiment_score":0.48576122522354126},{"text":"Yes.","start":1262.265,"end":1262.665,"sentiment":"neutral","sentiment_score":0.05794306471943855},{"text":"We did.","start":1262.665,"end":1263.405,"sentiment":"neutral","sentiment_score":0.05595429614186287}],"sentiment":"neutral","sentiment_score":0.22855585580691695,"num_words":8,"start":1250.93,"end":1263.405},{"sentences":[{"text":"I I don't know, man.","start":1272.9,"end":1274.74,"sentiment":"neutral","sentiment_score":-0.04554994329810143},{"text":"We went to the office thing that you go to in Southport where they do it for you.","start":1274.74,"end":1279.24,"sentiment":"neutral","sentiment_score":0.025805157298843067},{"text":"I don't know.","start":1281.86,"end":1282.76,"sentiment":"neutral","sentiment_score":-0.02019993681460619},{"text":"I mean, if I did, it would be Joe.","start":1282.9,"end":1286.6,"sentiment":"neutral","sentiment_score":0.00887966388836503},{"text":"But I I just don't know.","start":1287.375,"end":1288.895,"sentiment":"neutral","sentiment_score":-0.1526013103624185}],"sentiment":"neutral","sentiment_score":-0.016086526408155517,"num_words":41,"start":1272.9,"end":1288.895},{"sentences":[{"text":"It's not really a conversation you wanna remember.","start":1288.895,"end":1291.135,"sentiment":"neutral","sentiment_score":-0.2807970196008682},{"text":"It's like, oh, what if you die and your husband die and all your kids die?","start":1291.135,"end":1294.895,"sentiment":"neutral","sentiment_score":-0.27515236008912325},{"text":"Like, what do you wanna do then?","start":1294.895,"end":1296.095,"sentiment":"neutral","sentiment_score":-0.26492026448249817},{"text":"And I'm like, what?","start":1296.095,"end":1297.155,"sentiment":"neutral","sentiment_score":-0.13424622267484665},{"text":"It's not it's not the most fun chat.","start":1297.375,"end":1299.135,"sentiment":"neutral","sentiment_score":-0.2507273964583874}],"sentiment":"neutral","sentiment_score":-0.2568851123715556,"num_words":43,"start":1288.895,"end":1299.135},{"sentences":[{"text":"But, yeah, I I really can't remember.","start":1299.135,"end":1302.2201,"sentiment":"neutral","sentiment_score":-0.1600164728505271},{"text":"Sorry.","start":1303.9601,"end":1304.4601,"sentiment":"neutral","sentiment_score":-0.11612677574157716},{"text":"Yep.","start":1319.725,"end":1319.885,"sentiment":"neutral","sentiment_score":-0.018237369135022163},{"text":"Yep.","start":1319.885,"end":1320.385,"sentiment":"neutral","sentiment_score":-0.024849720299243927},{"text":"Yep.","start":1324.285,"end":1324.785,"sentiment":"neutral","sentiment_score":-0.05341670662164688}],"sentiment":"neutral","sentiment_score":-0.12115871652283451,"num_words":11,"start":1299.135,"end":1324.785},{"sentences":[{"text":"Yes.","start":1329.02,"end":1329.42,"sentiment":"neutral","sentiment_score":-0.010076330974698068},{"text":"Okay.","start":1329.42,"end":1329.92,"sentiment":"neutral","sentiment_score":0.08620528876781464},{"text":"Yes.","start":1338.38,"end":1338.62,"sentiment":"neutral","sentiment_score":0.07875919342041016},{"text":"I do.","start":1338.62,"end":1339.02,"sentiment":"neutral","sentiment_score":0.10139255225658417},{"text":"Yeah.","start":1339.02,"end":1339.52,"sentiment":"neutral","sentiment_score":0.1053662821650505}],"sentiment":"neutral","sentiment_score":0.07717325631529093,"num_words":6,"start":1329.02,"end":1339.52},{"sentences":[{"text":"Yes.","start":1349.955,"end":1350.455,"sentiment":"neutral","sentiment_score":0.14556607604026794},{"text":"Yes.","start":1359.8099,"end":1360.3099,"sentiment":"neutral","sentiment_score":0.023523949086666107},{"text":"Yes.","start":1368.585,"end":1369.065,"sentiment":"neutral","sentiment_score":0.06164022162556648},{"text":"Okay.","start":1369.065,"end":1369.565,"sentiment":"neutral","sentiment_score":0.10545126348733902},{"text":"Yeah.","start":1387.64,"end":1388.14,"sentiment":"neutral","sentiment_score":0.16705375909805298}],"sentiment":"neutral","sentiment_score":0.10064705386757851,"num_words":5,"start":1349.955,"end":1388.14},{"sentences":[{"text":"Yeah.","start":1392.44,"end":1392.84,"sentiment":"neutral","sentiment_score":0.05606716871261597},{"text":"I'd say so.","start":1392.84,"end":1393.72,"sentiment":"neutral","sentiment_score":0.006891971764465173},{"text":"Why not?","start":1393.72,"end":1394.5399,"sentiment":"neutral","sentiment_score":-0.05772880092263222},{"text":"Yeah.","start":1409.285,"end":1409.605,"sentiment":"neutral","sentiment_score":0.01135673001408577},{"text":"Yeah.","start":1409.605,"end":1410.005,"sentiment":"neutral","sentiment_score":0.0021615996956825256}],"sentiment":"neutral","sentiment_score":-0.0031495235161855817,"num_words":8,"start":1392.44,"end":1410.005},{"sentences":[{"text":"I understand.","start":1410.005,"end":1410.665,"sentiment":"neutral","sentiment_score":-0.053194018080830574},{"text":"Oh, okay.","start":1419.29,"end":1419.95,"sentiment":"neutral","sentiment_score":0.0007814560085535041},{"text":"I mean, I'd say so.","start":1440.37,"end":1441.65,"sentiment":"neutral","sentiment_score":-0.03945205882191658},{"text":"Yeah.","start":1441.65,"end":1441.97,"sentiment":"neutral","sentiment_score":-0.07857701927423477},{"text":"I mean, we're not close to retirement yet unless we come into some fucking mad amount of money.","start":1441.97,"end":1446.77,"sentiment":"neutral","sentiment_score":-0.3292962635556857}],"sentiment":"neutral","sentiment_score":-0.2252855421975255,"num_words":28,"start":1410.005,"end":1446.77},{"sentences":[{"text":"So I reckon just leave it.","start":1446.77,"end":1448.71,"sentiment":"neutral","sentiment_score":-0.19232793897390366},{"text":"Yes.","start":1457.875,"end":1458.375,"sentiment":"neutral","sentiment_score":0.12578079104423523},{"text":"Yes.","start":1460.835,"end":1461.335,"sentiment":"neutral","sentiment_score":0.18583032488822937},{"text":"Yes.","start":1470.115,"end":1470.57,"sentiment":"neutral","sentiment_score":0.21163725852966309},{"text":"Nice.","start":1484.1699,"end":1484.6699,"sentiment":"positive","sentiment_score":0.6369928121566772}],"sentiment":"neutral","sentiment_score":0.0006273552775382995,"num_words":10,"start":1446.77,"end":1484.6699},{"sentences":[{"text":"Okay.","start":1493.805,"end":1494.305,"sentiment":"neutral","sentiment_score":-0.26989445090293884},{"text":"Mhmm.","start":1501.78,"end":1502.28,"sentiment":"neutral","sentiment_score":-0.08151962608098984},{"text":"Okay.","start":1507.86,"end":1508.36,"sentiment":"neutral","sentiment_score":-0.054960813373327255},{"text":"Yep.","start":1519.465,"end":1519.965,"sentiment":"neutral","sentiment_score":0.07136514782905579},{"text":"Yep.","start":1526.345,"end":1526.845,"sentiment":"neutral","sentiment_score":0.07418733835220337}],"sentiment":"neutral","sentiment_score":-0.05216448083519935,"num_words":5,"start":1493.805,"end":1526.845},{"sentences":[{"text":"Yeah.","start":1529.51,"end":1529.67,"sentiment":"neutral","sentiment_score":0.09480097889900208},{"text":"Yeah.","start":1529.67,"end":1529.99,"sentiment":"neutral","sentiment_score":0.18392644822597504},{"text":"Sounds good.","start":1529.99,"end":1530.79,"sentiment":"positive","sentiment_score":0.3980320990085602},{"text":"Whatever you say.","start":1530.79,"end":1531.83,"sentiment":"neutral","sentiment_score":0.19941036899884543},{"text":"I understand about 18% of it, so that's why you're here.","start":1531.83,"end":1535.69,"sentiment":"neutral","sentiment_score":0.16239654205062173}],"sentiment":"neutral","sentiment_score":0.19218803859419292,"num_words":18,"start":1529.51,"end":1535.69},{"sentences":[{"text":"No.","start":1543.545,"end":1544.045,"sentiment":"neutral","sentiment_score":-0.1489785760641098},{"text":"But, I mean, you use, yeah, you use financial advisers because they know their shit.","start":1544.665,"end":1549.065,"sentiment":"neutral","sentiment_score":-0.07203562321762244},{"text":"Right?","start":1549.065,"end":1549.565,"sentiment":"neutral","sentiment_score":-0.02660030499100685},{"text":"And we don't.","start":1549.865,"end":1550.585,"sentiment":"neutral","sentiment_score":-0.05011152848601341},{"text":"So, yeah, I'm happy to diversify it sounds smart.","start":1550.585,"end":1553.885,"sentiment":"positive","sentiment_score":0.4406132275859515}],"sentiment":"neutral","sentiment_score":0.08824383563779552,"num_words":29,"start":1543.545,"end":1553.885},{"sentences":[{"text":"Oh, nice.","start":1563.84,"end":1564.5,"sentiment":"neutral","sentiment_score":0.30085836350917816},{"text":"Yep.","start":1580.285,"end":1580.785,"sentiment":"neutral","sentiment_score":0.12431012094020844},{"text":"Yeah.","start":1583.97,"end":1584.21,"sentiment":"neutral","sentiment_score":0.05011232942342758},{"text":"Yeah.","start":1584.21,"end":1584.4501,"sentiment":"neutral","sentiment_score":0.05353382974863053},{"text":"No dramas.","start":1584.4501,"end":1585.2001,"sentiment":"neutral","sentiment_score":0.05764961801469326}],"sentiment":"neutral","sentiment_score":0.1349960347371442,"num_words":7,"start":1563.84,"end":1585.2001},{"sentences":[{"text":"Yeah.","start":1607.555,"end":1608.055,"sentiment":"neutral","sentiment_score":0.11274218559265135},{"text":"Yeah.","start":1611.96,"end":1612.28,"sentiment":"neutral","sentiment_score":0.09319992363452911},{"text":"Yeah.","start":1612.28,"end":1612.52,"sentiment":"neutral","sentiment_score":0.13261231780052185},{"text":"For sure.","start":1612.52,"end":1613.34,"sentiment":"neutral","sentiment_score":0.22209715098142624},{"text":"No.","start":1623.16,"end":1623.4,"sentiment":"neutral","sentiment_score":-0.06267000734806061}],"sentiment":"neutral","sentiment_score":0.12001312027374904,"num_words":6,"start":1607.555,"end":1623.4},{"sentences":[{"text":"No.","start":1623.4,"end":1623.64,"sentiment":"neutral","sentiment_score":-0.003481900319457054},{"text":"All good.","start":1623.64,"end":1624.275,"sentiment":"neutral","sentiment_score":0.16910166293382645},{"text":"Mhmm.","start":1635.555,"end":1636.055,"sentiment":"neutral","sentiment_score":0.05793599784374237},{"text":"Yes.","start":1647.0199,"end":1647.5199,"sentiment":"neutral","sentiment_score":0.05608474463224411},{"text":"Yeah.","start":1651.215,"end":1651.715,"sentiment":"neutral","sentiment_score":0.056864142417907715}],"sentiment":"neutral","sentiment_score":0.08426771840701501,"num_words":6,"start":1623.4,"end":1651.715},{"sentences":[{"text":"Yeah.","start":1655.455,"end":1655.695,"sentiment":"neutral","sentiment_score":0.12057774513959885},{"text":"Yeah.","start":1655.695,"end":1656.195,"sentiment":"neutral","sentiment_score":0.26288777589797974},{"text":"Yeah.","start":1679.5751,"end":1679.895,"sentiment":"neutral","sentiment_score":0.06703898310661316},{"text":"Okay.","start":1679.895,"end":1680.395,"sentiment":"neutral","sentiment_score":0.09772628545761108},{"text":"Yeah.","start":1689.0951,"end":1689.415,"sentiment":"neutral","sentiment_score":0.02819191664457321}],"sentiment":"neutral","sentiment_score":0.1152845412492752,"num_words":5,"start":1655.455,"end":1689.415},{"sentences":[{"text":"No.","start":1689.415,"end":1689.735,"sentiment":"neutral","sentiment_score":-0.023756634443998337},{"text":"Easy done.","start":1689.735,"end":1690.4551,"sentiment":"neutral","sentiment_score":0.061885369941592216},{"text":"I think I've I think I've done it.","start":1690.4551,"end":1692.375,"sentiment":"neutral","sentiment_score":-0.016680596309015527},{"text":"Yeah.","start":1692.375,"end":1692.6951,"sentiment":"neutral","sentiment_score":-0.027219172567129135},{"text":"It tried to put Kaylee Foster previously, Smith, and it didn't even fit in the box.","start":1692.6951,"end":1696.74,"sentiment":"neutral","sentiment_score":-0.08732047653757036}],"sentiment":"neutral","sentiment_score":-0.05206348079289975,"num_words":28,"start":1689.415,"end":1696.74},{"sentences":[{"text":"I was like, alright.","start":1696.74,"end":1697.64,"sentiment":"neutral","sentiment_score":-0.0563597499858588},{"text":"So I've just done my little scribble as best you can on a phone screen.","start":1697.7,"end":1702.68,"sentiment":"neutral","sentiment_score":0.0020950342994183304},{"text":"No.","start":1706.1951,"end":1706.435,"sentiment":"neutral","sentiment_score":-0.07935693860054016},{"text":"Never.","start":1706.435,"end":1706.835,"sentiment":"neutral","sentiment_score":-0.0913255289196968},{"text":"It's like when you sign for a parcel, it's like there's no proof that that's me.","start":1706.835,"end":1710.835,"sentiment":"neutral","sentiment_score":-0.08233825350180268}],"sentiment":"neutral","sentiment_score":-0.04546237862165514,"num_words":37,"start":1696.74,"end":1710.835},{"sentences":[{"text":"But do you know what?","start":1710.835,"end":1711.795,"sentiment":"neutral","sentiment_score":-0.0507702112197876},{"text":"Whatever.","start":1711.795,"end":1712.295,"sentiment":"neutral","sentiment_score":-0.02704560197889805},{"text":"Okay.","start":1713.555,"end":1713.875,"sentiment":"neutral","sentiment_score":0.0976947695016861},{"text":"Cool.","start":1713.875,"end":1714.1951,"sentiment":"neutral","sentiment_score":0.2501998543739319},{"text":"It's just oh, I think it should be with you.","start":1714.1951,"end":1716.775,"sentiment":"neutral","sentiment_score":0.26839870065450666}],"sentiment":"neutral","sentiment_score":0.1528324984634916,"num_words":18,"start":1710.835,"end":1716.775},{"sentences":[{"text":"It should be good.","start":1717.075,"end":1719.335,"sentiment":"positive","sentiment_score":0.49717608094215393},{"text":"Alright.","start":1723.29,"end":1723.79,"sentiment":"neutral","sentiment_score":0.1916951984167099},{"text":"Yeah.","start":1727.05,"end":1727.37,"sentiment":"neutral","sentiment_score":0.19586122035980225},{"text":"Yeah.","start":1727.37,"end":1727.85,"sentiment":"neutral","sentiment_score":0.2543555498123169},{"text":"All good.","start":1727.85,"end":1728.41,"sentiment":"positive","sentiment_score":0.4458371251821518}],"sentiment":"positive","sentiment_score":0.391365615857972,"num_words":9,"start":1717.075,"end":1728.41},{"sentences":[{"text":"I've got my confirmation email and shit.","start":1728.41,"end":1731.53,"sentiment":"neutral","sentiment_score":0.149180178131376},{"text":"I'll be able to get it if I need it.","start":1731.53,"end":1733.63,"sentiment":"neutral","sentiment_score":0.25789587050676344},{"text":"No.","start":1745.255,"end":1745.495,"sentiment":"neutral","sentiment_score":-0.11673122644424438},{"text":"No.","start":1745.495,"end":1745.735,"sentiment":"neutral","sentiment_score":-0.07524795830249786},{"text":"All good.","start":1745.735,"end":1746.135,"sentiment":"neutral","sentiment_score":0.24428799748420715}],"sentiment":"neutral","sentiment_score":0.1866579410575685,"num_words":21,"start":1728.41,"end":1746.135},{"sentences":[{"text":"Thank you for your help.","start":1746.135,"end":1747.2,"sentiment":"positive","sentiment_score":0.6003146767616272},{"text":"Yep.","start":1755.6,"end":1756.1,"sentiment":"neutral","sentiment_score":0.14624518156051636},{"text":"Alright.","start":1758.1599,"end":1758.5599,"sentiment":"positive","sentiment_score":0.3780772387981415},{"text":"Perfect.","start":1758.5599,"end":1759.0599,"sentiment":"positive","sentiment_score":0.6636908054351807},{"text":"Thanks for your help.","start":1759.12,"end":1759.9199,"sentiment":"positive","sentiment_score":0.7024769932031631}],"sentiment":"positive","sentiment_score":0.583291215201219,"num_words":12,"start":1746.135,"end":1759.9199},{"sentences":[{"text":"Speak to you soon.","start":1759.9199,"end":1760.72,"sentiment":"positive","sentiment_score":0.34710387140512466},{"text":"Bye bye.","start":1760.72,"end":1761.2369,"sentiment":"neutral","sentiment_score":0.22698068618774414}],"sentiment":"neutral","sentiment_score":0.3070628096659978,"num_words":6,"start":1759.9199,"end":1761.2369}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hey. How are you doing?\n\nChannel 0: Good morning, Kaylee. It's Tommy here, one of the senior advisers. I'm doing\n\nChannel 1: Yeah. Good. Thank you.\n\nChannel 0: I'm just giving you a call to go through both your annual review, and I believe you had some questions around income protection. Is that right?\n\nChannel 1: Yeah. I basically just wanted to add it because when we first started with you guys, we only added it for my husband, but I just wanted to add it for myself as well.\n\nChannel 0: Perfect. So if it's okay with you, I'm gonna pop through an annual review pack to your email address and\n\nChannel 1: Okay.\n\nChannel 0: just go through a quick security check, update a few details, and get a few ideas together if that's alright.\n\nChannel 1: Yeah. All good.\n\nChannel 0: Perfect. So just as usual, calls are always recorded. And are you okay to confirm for security your date of birth and address, please?\n\nChannel 1: 09/2009.\n\nChannel 0: Perfect. Thank you, Kaylee. And I'm registered with Asic as adviser one two seven three one zero. Now\n\nChannel 1: Yes.\n\nChannel 0: I've got your email address here, Kaylee Foster. So that's your updated email address. Correct?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So I'll just pop that through to you now. Will you be able to look on any of the documents with me today, or should I just kind of look through what's there?\n\nChannel 1: Yeah. I'll I'll be right to look through then.\n\nChannel 0: Cool. So I'm gonna send that through now. There's a number of attachments that go along with it and a\n\nChannel 1: Okay.\n\nChannel 0: digital authorization link as well.\n\nChannel 1: Mhmm.\n\nChannel 0: It is coming from our new system, so it might go through your spam box or main inbox. So\n\nChannel 1: No.\n\nChannel 0: if you\n\nChannel 1: I've\n\nChannel 0: can just\n\nChannel 1: got it.\n\nChannel 0: check\n\nChannel 1: Tommy\n\nChannel 0: both.\n\nChannel 1: I'm not gonna pronounce that surname, but Tommy. Yeah. It's\n\nChannel 0: It's\n\nChannel 1: you.\n\nChannel 0: Croatia.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Alright.\n\nChannel 0: Perfect.\n\nChannel 1: Sweet.\n\nChannel 0: So there's PDF attachments at the bottom, and that\n\nChannel 1: Mhmm.\n\nChannel 0: includes performance reports for both hub accounts as well as your current account policy. So\n\nChannel 1: Yes.\n\nChannel 0: I'm just gonna go through the details that we have because I'm trying to make sure everything on the new system updates and matches for both of you guys.\n\nChannel 1: Yes.\n\nChannel 0: And I'm gonna just kind of wait So just bear with me for a moment. I'm just gonna run through what we have.\n\nChannel 1: Yes.\n\nChannel 0: So we've got you're obviously married to Joe. You've got Lila, just the one child at the moment.\n\nChannel 1: Yep. No. I've got two.\n\nChannel 0: Fantastic. And I did see something, I think, in twenty twenty four, twenty five that you were off for about six weeks or so. Is that\n\nChannel 1: Yeah.\n\nChannel 0: your\n\nChannel 1: Yeah. So\n\nChannel 0: second\n\nChannel 1: yeah.\n\nChannel 0: shot\n\nChannel 1: I've\n\nChannel 0: about\n\nChannel 1: got\n\nChannel 0: two?\n\nChannel 1: a yeah. So she's two now. So yeah. So two dependents.\n\nChannel 0: Okay. And your second daughter's name?\n\nChannel 1: Vienna.\n\nChannel 0: Vienna. Is that with a n n a?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Okay. So quick question on that one is you've got Myla listed as your beneficiary for the super to receive all the superannuation. Would you like\n\nChannel 1: Yeah.\n\nChannel 0: to update that?\n\nChannel 1: Yeah. You should probably do both of them.\n\nChannel 0: Yep. So just a fifty fifty split between them.\n\nChannel 1: Yes,\n\nChannel 0: Perfect. Now just bear in mind,\n\nChannel 1: please.\n\nChannel 0: of course, to anyone who's under 18, if you pass away and they receive your super, whoever's kind of their guardian for general or whoever at the time, they'll obviously be looking after the funds on their behalf until they're 18.\n\nChannel 1: Yes. All good.\n\nChannel 0: Perfect. We're still in Upper Kumara, so that's great. When it comes to the occupation side of it, so you're still\n\nChannel 1: Yeah.\n\nChannel 0: with Hexicore, I believe. That's coming through from your contributions. Yep. Can you just briefly walk me through I think your income was listed as a $140,000 base.\n\nChannel 1: Yes. Yes. That's right.\n\nChannel 0: Okay. Do you have anything above that in terms of bonuses or anything that I need to take into account?\n\nChannel 1: Yeah. I do get bonuses. It fluctuates, so obviously, it's based on invoicing. I think at the moment, this financial year today, I'm I've got about 50 k ish.\n\nChannel 0: 50\n\nChannel 1: So\n\nChannel 0: k\n\nChannel 1: say\n\nChannel 0: in bonuses.\n\nChannel 1: I've yeah.\n\nChannel 0: Wow. That's amazing. Almost at the $200,000 mark. You probably will hit that for the year.\n\nChannel 1: Yes. He is open.\n\nChannel 0: Okay. Fantastic. When it comes to income protection, you can cover up to 70% of your income. Do you want me to just base it on the $140,000 base income? Do you want me to try and bump it up a little bit?\n\nChannel 1: I would I would say probably just do it on the base because it like I said, it does fluctuate. So I don't wanna over commit. Do You know what I mean?\n\nChannel 0: I think yeah. And that's the thing is that I want you being over insured and then you go to claim and you give in your twelve month income and they pay you on a lesser amount than what you've\n\nChannel 1: Yeah.\n\nChannel 0: been\n\nChannel 1: Precisely.\n\nChannel 0: paying premiums for.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So I reckon it's just safer to base it on the base. Obviously, on the provider that hopefully I'll never need it.\n\nChannel 0: A 100%. With your 140 k base, that pretty much gives you a cover amount of 8,166 per month before tax. So\n\nChannel 1: Yep.\n\nChannel 0: call it just under 2,000 a week, you would get after tax. Would\n\nChannel 1: Yep.\n\nChannel 0: that still be okay for expenses and the luck?\n\nChannel 1: Yeah. Yeah. I'm I'm sure we would make it work. I mean, right now, we'd be surviving on Joe's if we were both fucked, So I think it's better than what we've got\n\nChannel 0: Yeah.\n\nChannel 1: now. So\n\nChannel 0: Absolutely.\n\nChannel 1: yeah. All good.\n\nChannel 0: Now we can choose between different waiting periods and benefit periods. So the standard waiting period is thirty days being out of work, SQL injured. You can\n\nChannel 1: Yep.\n\nChannel 0: push that out to sixty or ninety days if you would rather, like, rely on savings and have a more affordable policy. Do you have a preference either way?\n\nChannel 1: Sorry. What was that? So thirty days or sixty to ninety?\n\nChannel 0: Yeah. Thirty, sixty, or ninety are the the.\n\nChannel 1: I mean, I'd need to probably know what the difference is. I don't I don't know what Joe's is set at. I can't remember what Sevi said to do it. He kinda guided us with the initial setup of Joe's because we didn't have a clue. So\n\nChannel 0: Yeah. I think if\n\nChannel 1: yeah.\n\nChannel 0: I was to try and give you a bit of a guide, because you're young and pretty much in a white collar occupation, your life and TPD premiums are very, very cheap. So it's\n\nChannel 1: Yeah.\n\nChannel 0: under\n\nChannel 1: Okay.\n\nChannel 0: a thousand dollars for you to have 1,200,000 of both. So the\n\nChannel 1: Yeah.\n\nChannel 0: standard you would do would be a thirty day wait and a benefit period all the way up to the age of 65. That\n\nChannel 1: Okay.\n\nChannel 0: would be ideal.\n\nChannel 1: Okay. Sure. Let's let's go with that then.\n\nChannel 0: Yep. If there's any issues where I see really high premiums that may impact, like, the group of the growth of your super or anything like that, I'll obviously look to maybe trim it down to two years or five years for short term\n\nChannel 1: Yeah.\n\nChannel 0: injury.\n\nChannel 1: Okay.\n\nChannel 0: But if it's only gonna be a couple of grand given your contributions, balance, and growth, it's not really gonna have a big impact.\n\nChannel 1: Yeah. Sure thing.\n\nChannel 0: K? Now you do have the option to actually pay for income protection out of pocket and get a full tax deduction for it or pay it through the super, and you only get a 15% rebate unless you salary sacrifice the premiums. Did you want me to look at an out of pocket policy or just put it through the super?\n\nChannel 1: Look at the out of pocket, I guess, and see where we stand with that.\n\nChannel 0: Yep. Now they'll be pretty much identical policies anyway. It is just a\n\nChannel 1: Yeah.\n\nChannel 0: little bit easier to claim on out of pocket, but most of the insurers have built in benefits to kind of work through definitions out of super anyway. I'll do\n\nChannel 1: Sure.\n\nChannel 0: up a quote for both. K. Duties wise, so are you still essentially in, like, a sales role?\n\nChannel 1: Yes.\n\nChannel 0: Like, BDM type, you're always kind of on\n\nChannel 1: Yep.\n\nChannel 0: the road\n\nChannel 1: Precisely.\n\nChannel 0: meeting clients. Yep.\n\nChannel 1: Yeah. Yeah. BDM. So well, on I'm not on the road so much now, to be honest. It's more I work from home four days a week.\n\nSo I do primarily Teams meetings because we're aligned with Telstra and they've obviously got, like, a national presence. So we yeah. I generally do most of my meetings from home. I'm not driving too much anymore.\n\nChannel 0: Perfect. And do you work five days, or is it just before from home?\n\nChannel 1: Four from home and\n\nChannel 0: Amazing.\n\nChannel 1: then one\n\nChannel 0: Okay.\n\nChannel 1: from\n\nChannel 0: That'll\n\nChannel 1: the\n\nChannel 0: make\n\nChannel 1: office,\n\nChannel 0: it pretty\n\nChannel 1: one\n\nChannel 0: good.\n\nChannel 1: from Brisbane.\n\nChannel 0: Now I know that there's probably not too much in the way of qualifications that would match for your role, But did you have to put in did you have to get any kind of degrees or specific qualifications for your role?\n\nChannel 1: No. No. I'll just be able to chat.\n\nChannel 0: That's it. Be a good talker.\n\nChannel 1: Yeah. That's it.\n\nChannel 0: Do you have any staff under you in terms of managing staff?\n\nChannel 1: No. Hell\n\nChannel 0: Perfect.\n\nChannel 1: no.\n\nChannel 0: Alright. So based on that being kind of office space, so to speak, and a 140,000, you're probably looking at a double a occupation rating, which is the second best outside of, like, a lawyer. So that should\n\nChannel 1: Yep.\n\nChannel 0: be quite quite affordable. Now I'm gonna do a quote through Tal just to add income protection on. Obviously, you will go through that underwriting check for occupation and medical. Did you want me to look at if there's any other providers to offer all three at, like, a cheaper price, or you're happy just to kind of add on the one policy and just go with TAO still?\n\nChannel 1: I mean, yeah, I guess it makes sense to look at all the options.\n\nChannel 0: Yep. Now one thing I'm just having a look at with your current policy through Tout is I mentioned before\n\nChannel 1: Yeah.\n\nChannel 0: and you had that in place. I'm just trying to look. Your commencement date was 2021. So I'm just wondering if you've had any health concerns between October\n\nChannel 1: No.\n\nChannel 0: 2020\n\nChannel 1: Nothing.\n\nChannel 0: one till now.\n\nChannel 1: Nada.\n\nChannel 0: Perfect. So we'll pretty much try to prefill 90 of an application using what was used for your previous\n\nChannel 1: Yep.\n\nChannel 0: life application. And\n\nChannel 1: Perfect.\n\nChannel 0: if that's all good\n\nChannel 1: Yeah.\n\nChannel 0: for you,\n\nChannel 1: No\n\nChannel 0: we can just\n\nChannel 1: no changes.\n\nChannel 0: give that\n\nChannel 1: Didn't start smoking. Didn't start any of that shit. So it should all still be very much current.\n\nChannel 0: sensational. So that's nice and easy. What about with the cover amounts for the life and CBD? I know you've still got, well, previously, well over 1,000,000 worth of debt in terms of the home and the investment property. Is that still the case?\n\nChannel 1: Oh, yeah. Probably. Let me think. Oh, blah blah blah blah. Fuck.\n\nI could probably check on HSBC.\n\nChannel 0: So I think we had about 750,000 owing on the home, $6.40 owing on the investment property approximately.\n\nChannel 1: Yeah. It would be around that because we did do an equity release to do some work at home. I'm just gonna jump into HSBC and check.\n\nChannel 0: Thank you.\n\nChannel 1: It feels fucking let me log in. Yeah.\n\nChannel 0: Away is the one.\n\nChannel 1: I I actually detest HSBC. Their online banking is bullshit, and they've blocked me out the app. So I have to log in via a browser, which is fucking\n\nChannel 0: Oh,\n\nChannel 1: ridiculous. Yeah. No. It's a bollock. Okay.\n\nSo one\n\nChannel 0: no.\n\nChannel 1: 48. Let me scroll down. Alright. 148735. That's not 8.\n\n788. And investment. Fuck. It doesn't like me. I'm scrolling on the browser, which is\n\nChannel 0: Yeah. I\n\nChannel 1: super\n\nChannel 0: think\n\nChannel 1: annoying.\n\nChannel 0: the only two that I found that are good is, like, Commonwealth and NAB have some pretty decent apps, but most banks\n\nChannel 1: Yeah.\n\nChannel 0: are pretty terrible for it.\n\nChannel 1: Yeah. So yeah. 1.33. Yeah. Probably about, like, 1.45 ish\n\nChannel 0: Combined for all\n\nChannel 1: going.\n\nChannel 0: all\n\nChannel 1: Yeah.\n\nChannel 0: loans.\n\nChannel 1: For everything.\n\nChannel 0: Yep. Perfect. You've never gone through, like, a bankruptcy or a debt agreement before, have you?\n\nChannel 1: No.\n\nChannel 0: Perfect. Do you want me to do any alteration for that cover amount for the 1.2 mil? Do you think because that obviously covers your your main residence mortgage pretty solid, leaves you another half a mil plus super on top. And if you're temporarily out of work for a long period of time, income protection can kick in as well.\n\nChannel 1: Yeah. So would you say it's it's it's okay\n\nChannel 0: Yeah. Because it's kind of matching, like,\n\nChannel 1: where\n\nChannel 0: you haven't had a significant drop in liabilities. Normally,\n\nChannel 1: it\n\nChannel 0: if you're getting into your forties and\n\nChannel 1: is?\n\nChannel 0: the policy starts getting up to 3 or $4,\n\nChannel 1: Yep.\n\nChannel 0: we'd probably trim it down as you pay down the debts. But\n\nChannel 1: Yeah.\n\nChannel 0: if that's still pretty stable, I would probably\n\nChannel 1: Yeah.\n\nChannel 0: keep it around the same.\n\nChannel 1: Alright. Sweetheart, let's do that then.\n\nChannel 0: Yep. We've got just the other assets. I think you had a car there with about the GLC. I think you got 68,000 on the car loan.\n\nChannel 1: Yeah. I don't I'm I paid that out, but I still have the car.\n\nChannel 0: Yep. Perfect. And I think the other asset was solar and then your investment account. There's no other scans or crypto or anything floating around as they can.\n\nChannel 1: No. It's a Joe question about crypto. Probably not. I reckon it all tanked. I don't think so.\n\nNo. I think that's it.\n\nChannel 0: Perfect. Alrighty. So that's pretty much all the details up to date there. I've\n\nChannel 1: Yep.\n\nChannel 0: got a pretty solid idea about what to do with the income protection. I do\n\nChannel 1: Yep.\n\nChannel 0: have to ask the question if you wanted me to get you a quote for trauma insurance, which is kind\n\nChannel 1: For\n\nChannel 0: of\n\nChannel 1: what?\n\nChannel 0: like a it's called trauma, and it's like a a small lump sum if you have, like, a heart attack, stroke, or cancer to pay for, like, medical bills or your partner taking time off work, but nothing that is causing death or permanent disability.\n\nChannel 1: No. I don't reckon.\n\nChannel 0: Yep. That's totally fine. Can I just ask, cash flow wise, how are you guys going with your I know you're doing some equity release and renovations and so on? Are you guys still\n\nChannel 1: Yep.\n\nChannel 0: able to put aside a decent amount into, like, surplus cash flow, would you say?\n\nChannel 1: Yeah. We put it we just put 500 a fortnight into, like, a offset type thing. Yes. So we've got that. Obviously, once my kid is out of Kindy, I will be $30 a year, almost better off, so that would be nice.\n\nBut,\n\nChannel 0: Yes.\n\nChannel 1: yeah, it's sort of one of those where yeah. Well, at the moment, yeah, like, our educate our education fees are, like, $35 a year. So, like, what sorry. Vienna's\n\nChannel 0: Yeah.\n\nChannel 1: a $20 out of that. So once she's out of kindy, we'll have and she goes into Lila's private school, which is insane because we save money by putting her in private school, but, like, we'll have an\n\nChannel 0: It's\n\nChannel 1: extra\n\nChannel 0: crazy,\n\nChannel 1: maybe\n\nChannel 0: isn't it?\n\nChannel 1: if it's a joke. She sits in finger paints and they charge just fucking $25 a year. But\n\nChannel 0: I've\n\nChannel 1: yeah.\n\nChannel 0: got the same thing with the six and three year old. It's crazy.\n\nChannel 1: Oh, it's just insane. Like, how how is the private school cheaper than the kindy? Like, she literally just stands around and covers herself in sand. But yeah. So once she's, like I think once she's three, she can go into the school's kindy, which I do think is a bit cheaper.\n\nSo we'll have a bit more of a surplus, and then we'll hopefully be able to start putting back into the shared portfolio because that's what we obviously wanna be doing. But, yeah, just for now, we're we're pretty good just with the offset, I think.\n\nChannel 0: Yep. Yep. Amazing. So everything is going into offset. That's obviously building up equity in there.\n\nAre you looking to\n\nChannel 1: Yeah.\n\nChannel 0: kind of invest that for more properties down the line or just get the debt down?\n\nChannel 1: We wanna invest in more properties because, like, we obviously came to this country late. So whilst you guys are obviously helping you build, you got the super, you you still don't wanna just hedge your back just on that. So we wanna kind of keep building up those assets. We we do have financial approval to purchase another property at the moment, but I just haven't found anything that's quite right, and I don't want negatively geared. I want it to be, like, at least breaking even.\n\nSo I'm holding\n\nChannel 0: Yeah.\n\nChannel 1: off until the property market comes itself down because everything is just insane still at the moment.\n\nChannel 0: Yeah. When interest rates were almost zero, it was really easy to get positively geared properties. But now\n\nChannel 1: Yeah.\n\nChannel 0: that it's gone up, most of\n\nChannel 1: Yeah.\n\nChannel 0: them are\n\nChannel 1: Exactly.\n\nChannel 0: just it's hard to even break even.\n\nChannel 1: Well, that's right.\n\nChannel 0: Have you\n\nChannel 1: And\n\nChannel 0: considered\n\nChannel 1: even, like,\n\nChannel 0: going\n\nChannel 1: looking yeah.\n\nChannel 0: I was just gonna say anything kind of outside of the area. Have you considered rural or commercial or anything like that, or you would just\n\nChannel 1: Well, I did have an interest in commercial. The problem is because we don't have a cash deposit, the property is effectively gonna be 100% mortgage. And therefore,\n\nChannel 0: Yeah.\n\nChannel 1: again, we have the issue with negative gearing with commercial tenancy. We we're we've been, like, preapproved. We said we can they my broker said we can sort of comfortably get something around the 800,000 mark. But, again, like, you can't get nothing for that on the Gold Coast. And even if you can, like, you you're gonna be negatively dead because it's only let out for fucking 800 a week, and you need a grand a week just to cover the mortgage.\n\nAnd then\n\nChannel 0: Yep.\n\nChannel 1: I looked at further out. So I looked as far out as bloody Mount Isa, but then there's a whole ramification about borrowing from Mount Isa because it's a high risk area. Because there's some really good\n\nChannel 0: Yep.\n\nChannel 1: cash flow properties out there, but it's obviously really high risk too because if the mine closes, you're screwed because then there's no one to live in the house. So,\n\nChannel 0: Yeah.\n\nChannel 1: yes,\n\nChannel 0: Between\n\nChannel 1: I have\n\nChannel 0: the\n\nChannel 1: been\n\nChannel 0: mines,\n\nChannel 1: looking\n\nChannel 0: the insurances and rights. Yeah.\n\nChannel 1: Exactly. So it's it's just it's a risky time. Like, I'm not opposed to investing now. I just I genuinely just haven't found the right option. And then, yeah, like, you can get cheap properties down in Melbourne, but there's 500 apartments that look exactly the same that are all up for rent.\n\nSo you then you kinda, like, well, how likely am I to get a tenant in yeah. So\n\nChannel 0: Yep.\n\nChannel 1: yeah. Lots of moving parts with that one, but, yes, in that was a very long winded way of saying, yes. We will be buying more property, but just not yet.\n\nChannel 0: Perfect. So bit of patience will hopefully pay off there.\n\nChannel 1: Can you\n\nChannel 0: When\n\nChannel 1: tell\n\nChannel 0: it\n\nChannel 1: me?\n\nChannel 0: comes to your investment account, because we have a bit of a pause on cash flow, are you okay for me just to kind of let that sit and kind of just do its thing growing? I I think it's just over $10 after the last withdrawal.\n\nChannel 1: Yeah. Yeah. I would say so.\n\nChannel 0: Yep. So just because the balance is kind of low, I haven't included the investment account in any service agreements or fees. I'd rather just wait for that to be kind of active again.\n\nChannel 1: Yeah.\n\nChannel 0: So for\n\nChannel 1: Yes.\n\nChannel 0: the time\n\nChannel 1: For\n\nChannel 0: being,\n\nChannel 1: sure.\n\nChannel 0: it's had a pretty phenomenal return of, like, 23 percent. So it can just kind of bounce around in the background until it becomes more active.\n\nChannel 1: Yeah. Yeah. For sure.\n\nChannel 0: Cool. I wouldn't really change anything in terms of the investments\n\nChannel 1: Yep.\n\nChannel 0: in there because it's doing its thing. So if you're comfortable with that, I can kind of just put a bit of a hold on it, let it invest, and just put a flag in for the team.\n\nChannel 1: Yeah. That's fine. Thank you.\n\nChannel 0: Amazing. Actually, last couple of things. So when it comes to estate planning, did you guys end up putting a will in place?\n\nChannel 1: Yes. We did.\n\nChannel 0: Yes. Do you remember if you put in place a power of attorney as well for, you know, if you can't act on your own behalf?\n\nChannel 1: I I don't know, man. We went to the office thing that you go to in Southport where they do it for you.\n\nChannel 0: Yep.\n\nChannel 1: I don't know. I mean, if I did, it would be Joe. But I I just don't know. It's not really a conversation you wanna remember. It's like, oh, what if you die and your husband die and all your kids die?\n\nLike, what do you wanna do then? And I'm like, what?\n\nChannel 0: Yeah.\n\nChannel 1: It's not it's not the most fun chat. But, yeah, I I really can't remember. Sorry.\n\nChannel 0: That's okay. I'll put unknown for the power of attorney, and that's just more for, like, if you're still here and you're in the hospital, it makes it easier for Joe to kind of access a different bank account or talk to the doctors and things like that, which they're pretty good for with spouses. It's just\n\nChannel 1: Yep.\n\nChannel 0: really\n\nChannel 1: Yep.\n\nChannel 0: if anything requires you to go to court for probate, there's a delay. As long as\n\nChannel 1: Yep.\n\nChannel 0: you guys have joint bank accounts, you're not really\n\nChannel 1: Yes. Okay.\n\nChannel 0: Cool. And the last thing was just with the superannuation. Do you usually log in and keep an eye on the hub every now and then?\n\nChannel 1: Yes. I do. Yeah.\n\nChannel 0: Yep. We've had a bit of a a rickety rickety few months recently. Your contributions have really gotten your account still rolling pretty well. So I think from\n\nChannel 1: Yes.\n\nChannel 0: 87,000 up to a 100 and 10. It's only had about a 5% return. Most progressive options have been pretty negative lately. So I just wanted\n\nChannel 1: Yes.\n\nChannel 0: to kind of flag with you that it's still in the positive for the year, but it's kind of been a bit of a holding pattern with what's going on with the markets at the moment.\n\nChannel 1: Yes. Okay.\n\nChannel 0: Now because you guys have that goal to kind of have the financial freedom to retire as early as possible towards age 60, that's kind of why you're in a high growth portfolio, pretty much all of this super in growth assets, shares, property, and so on. Are\n\nChannel 1: Yeah.\n\nChannel 0: you still comfortable with that idea of just going through as much as possible while you're young?\n\nChannel 1: Yeah. I'd say so. Why not?\n\nChannel 0: Yeah. It's just gonna be that thing where we use a lot of buzzwords in the industry like volatility. And what that basically means is when the market's doing it what it's currently doing, higher highs and lower lows in shorter periods of time. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: whereas\n\nChannel 1: I understand.\n\nChannel 0: you might have to wait twelve months to get up $20, that may be going up and down 10 or $20 in a period of three months now.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yeah. So it averages out over, like, a long period. Like, it averages out over the decade once you go through a normal market cycle. Like, this thing happens every time there's a financial crisis, a COVID, a war. But I just wanna double check that you're okay with that kind of roller coaster ride until you're closer to retirement.\n\nChannel 1: I mean, I'd say so. Yeah. I mean, we're not close to retirement yet unless we come into some fucking mad amount of money. So I reckon just leave it.\n\nChannel 0: Yep. So, basically, grow it as much as we can. Once you do have the million dollars or whatever the figure is, we can then protect it in those last ten years\n\nChannel 1: Yes.\n\nChannel 0: and and gradually reduce the risk.\n\nChannel 1: Yes.\n\nChannel 0: One thing I will do, though, is I'm having a look at the investment options, and that's on one of the reports in that email pack I sent you.\n\nChannel 1: Yes.\n\nChannel 0: We've got there's about eight or nine options there. Most of them have done pretty fantastic. Like, you're in battery tech and lithium, which is electric vehicles, and that's about a 114%, something ridiculous like that.\n\nChannel 1: Nice.\n\nChannel 0: Most of the shares are pretty good. One of them in particular, though, I'm concerned about is your Australian shares in Venmo. That\n\nChannel 1: Okay.\n\nChannel 0: dropped significantly compared to the Australian share market and other Australian share option. So\n\nChannel 1: Mhmm.\n\nChannel 0: just for a bit of an engine tune up, I kind of wanna get a bit of a replacement option for that one.\n\nChannel 1: Okay.\n\nChannel 0: And I think if we're gonna do, like, the income protection, I'll send you, like, an updated statement of advice with the insurance recommendation in there. And then I would\n\nChannel 1: Yep.\n\nChannel 0: just like to replace that one option in the super and maybe mix in a bit of, like, gold in there, bit of alternative\n\nChannel 1: Yep.\n\nChannel 0: just to diversify you a little bit. Is that okay?\n\nChannel 1: Yeah. Yeah. Sounds good. Whatever you say. I understand about\n\nChannel 0: Perfect.\n\nChannel 1: 18% of it, so that's why you're here.\n\nChannel 0: Hey. Look. It's a it's a gradual thing. I wouldn't expect anyone after, you know, one or two conversations to really get it, and you do pay us for\n\nChannel 1: No.\n\nChannel 0: a reason. But\n\nChannel 1: But,\n\nChannel 0: as\n\nChannel 1: I\n\nChannel 0: long\n\nChannel 1: mean,\n\nChannel 0: as you\n\nChannel 1: you\n\nChannel 0: kind\n\nChannel 1: use,\n\nChannel 0: of\n\nChannel 1: yeah,\n\nChannel 0: know\n\nChannel 1: you\n\nChannel 0: what\n\nChannel 1: use\n\nChannel 0: I'm\n\nChannel 1: financial\n\nChannel 0: doing and what.\n\nChannel 1: advisers because they know their shit. Right? And we don't. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I'm happy to diversify it sounds smart.\n\nChannel 0: Perfect. So I'll mix all those two in together over the next couple of weeks. I'm actually going on maternity leave in June for my third. I have a daughter on the way.\n\nChannel 1: Oh, nice.\n\nChannel 0: So, yeah, family leave. So I'll try and get you guys in before I go in the first two weeks of June. So towards the end of the month, if that's okay, I'd like to just\n\nChannel 1: Yep.\n\nChannel 0: run you through that policy and the updates.\n\nChannel 1: Yeah. Yeah. No dramas.\n\nChannel 0: Cool. Everything's going really well with the super. I don't really see too much of a reason to try and, you know, pump any cash flow or contributions in there because you've got really good contributions and long term growth. You've got your cash flow priorities while you still have Vienna and Kindy and obviously building up towards those out of super investments. So are\n\nChannel 1: Yeah.\n\nChannel 0: you okay just to kind of let the employer contributions do their thing as well?\n\nChannel 1: Yeah. Yeah. For sure.\n\nChannel 0: Fantastic. I have thrown quite a bit more information at you than I would normally in a review, But do you have any questions so far?\n\nChannel 1: No. No. All good.\n\nChannel 0: Cool. Now with that pack that I've sent you, that's obviously got the certificate of the policy, performance reports, updated service guide with us, or\n\nChannel 1: Mhmm.\n\nChannel 0: licensing information and so on. There's also your ongoing service agreement in there as well. So you guys are still on that partner discount rate of 1.1% for the\n\nChannel 1: Yes.\n\nChannel 0: super only. Like I said, I've excluded the investment portfolio.\n\nChannel 1: Yeah.\n\nChannel 0: Are you still comfortable for us to look after your super cater?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Perfect. With that new Odoo sign system that we're using, it's pretty similar to DocuSign. If you can try and draw the signature on there, it's usually better than the stamp it automatically puts. And I think if you actually, like, click on the signature box, it'll let you actually do a drawing on there.\n\nChannel 1: Yeah.\n\nChannel 0: If not,\n\nChannel 1: Okay.\n\nChannel 0: it's not gonna cause any issues with Hub. They're pretty good with it. But if you have any issues, just give the team a call.\n\nChannel 1: Yeah. No. Easy done. I think I've I think I've done it. Yeah.\n\nIt tried to put Kaylee Foster previously, Smith, and it didn't even fit in the box. I was like, alright. So I've just done my little scribble\n\nChannel 0: Yeah.\n\nChannel 1: as best\n\nChannel 0: It stamps\n\nChannel 1: you can\n\nChannel 0: your\n\nChannel 1: on a phone\n\nChannel 0: name.\n\nChannel 1: screen.\n\nChannel 0: Yeah. It never looks right, but it's it's\n\nChannel 1: No. Never.\n\nChannel 0: close enough\n\nChannel 1: It's like\n\nChannel 0: to\n\nChannel 1: when\n\nChannel 0: the\n\nChannel 1: you\n\nChannel 0: license,\n\nChannel 1: sign for\n\nChannel 0: I guess.\n\nChannel 1: a parcel, it's like there's no proof that that's me. But do you know what? Whatever. Okay. Cool.\n\nIt's just oh, I think it should be with you. It should be good.\n\nChannel 0: Alright. I'll give a little refresh there. Yep. That's all good. And it would have given\n\nChannel 1: Alright.\n\nChannel 0: you a pop up box if you wanted to download a signed copy as well.\n\nChannel 1: Yeah. Yeah. All good. I've got my confirmation email and shit. I'll be able to get it if I need it.\n\nChannel 0: Sensational. So that's pretty much it for the review. I've got a bit of a direction for the insurance and the super. Is there anything else I can do for you before I leave you for your week?\n\nChannel 1: No. No. All good. Thank you for your help.\n\nChannel 0: No worries at all. I'll get going on the research. Just expect a call from the team in a couple of weeks to book you in with me, and we can\n\nChannel 1: Yep.\n\nChannel 0: get all that applied for and finalized.\n\nChannel 1: Alright. Perfect. Thanks for your help. Speak to you soon. Bye bye.\n\nChannel 0: Amazing, Kelly. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hey.","start":0.0,"end":0.16,"sentiment":"neutral","sentiment_score":0.2102784514427185},{"text":"How are you doing?","start":0.16,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.24997670948505402}],"sentiment":"neutral","sentiment_score":0.24203705787658691,"channel":1,"num_words":5,"start":0.0,"end":2.6599998},{"sentences":[{"text":"Good morning, Kaylee.","start":3.4399998,"end":4.3199997,"sentiment":"positive","sentiment_score":0.3962155183156331},{"text":"It's Tommy here, one of the senior advisers.","start":4.3199997,"end":6.24,"sentiment":"neutral","sentiment_score":0.20567059703171253},{"text":"I'm doing","start":6.24,"end":6.98,"sentiment":"neutral","sentiment_score":0.18324129283428192}],"sentiment":"neutral","sentiment_score":0.24619183975916642,"channel":0,"num_words":13,"start":3.4399998,"end":6.98},{"sentences":[{"text":"Yeah.","start":9.2,"end":9.5199995,"sentiment":"positive","sentiment_score":0.354719340801239},{"text":"Good.","start":9.5199995,"end":9.76,"sentiment":"positive","sentiment_score":0.6512792110443115},{"text":"Thank you.","start":9.76,"end":10.5,"sentiment":"positive","sentiment_score":0.7302087247371674}],"sentiment":"positive","sentiment_score":0.6166040003299713,"channel":1,"num_words":4,"start":9.2,"end":10.5},{"sentences":[{"text":"I'm just giving you a call to go through both your annual review, and I believe you had some questions around income protection.","start":11.44,"end":17.895,"sentiment":"neutral","sentiment_score":0.2051465226256329},{"text":"Is that right?","start":17.895,"end":18.635,"sentiment":"neutral","sentiment_score":0.13513642301162085}],"sentiment":"neutral","sentiment_score":0.19706843420863152,"channel":0,"num_words":26,"start":11.44,"end":18.635},{"sentences":[{"text":"Yeah.","start":19.145,"end":19.385,"sentiment":"neutral","sentiment_score":0.11584687978029252},{"text":"I basically just wanted to add it because when we first started with you guys, we only added it for my husband, but I just wanted to add it for myself as well.","start":19.385,"end":27.645,"sentiment":"neutral","sentiment_score":0.16929868428093015}],"sentiment":"neutral","sentiment_score":0.16772657238385258,"channel":1,"num_words":34,"start":19.145,"end":27.645},{"sentences":[{"text":"Perfect.","start":28.779999,"end":29.279999,"sentiment":"positive","sentiment_score":0.6280106902122498},{"text":"So if it's okay with you, I'm gonna pop through an annual review pack to your email address and","start":29.339998,"end":35.579998,"sentiment":"positive","sentiment_score":0.3608739219213787}],"sentiment":"positive","sentiment_score":0.37423076033592223,"channel":0,"num_words":20,"start":28.779999,"end":35.579998},{"sentences":[{"text":"Okay.","start":35.16,"end":35.66,"sentiment":"neutral","sentiment_score":0.21976937353610992}],"sentiment":"neutral","sentiment_score":0.21976937353610992,"channel":1,"num_words":1,"start":35.16,"end":35.66},{"sentences":[{"text":"just go through a quick security check, update a few details, and get a few ideas together if that's alright.","start":35.579998,"end":41.235,"sentiment":"neutral","sentiment_score":0.22416066527366638}],"sentiment":"neutral","sentiment_score":0.22416066527366638,"channel":0,"num_words":20,"start":35.579998,"end":41.235},{"sentences":[{"text":"Yeah.","start":41.545,"end":41.945,"sentiment":"neutral","sentiment_score":0.32683444023132324},{"text":"All good.","start":41.945,"end":42.765,"sentiment":"positive","sentiment_score":0.5479000806808472}],"sentiment":"positive","sentiment_score":0.4742115338643392,"channel":1,"num_words":3,"start":41.545,"end":42.765},{"sentences":[{"text":"Perfect.","start":43.475002,"end":43.955,"sentiment":"positive","sentiment_score":0.5664017200469971},{"text":"So just as usual, calls are always recorded.","start":43.955,"end":46.295002,"sentiment":"neutral","sentiment_score":0.2668067254126072},{"text":"And are you okay to confirm for security your date of birth and address, please?","start":46.675,"end":51.255,"sentiment":"neutral","sentiment_score":0.09112367331981659}],"sentiment":"neutral","sentiment_score":0.16948794263104597,"channel":0,"num_words":24,"start":43.475002,"end":51.255},{"sentences":[{"text":"09/2009.","start":51.704998,"end":57.079998,"sentiment":"neutral","sentiment_score":0.030515456572175022}],"sentiment":"neutral","sentiment_score":0.030515456572175022,"channel":1,"num_words":1,"start":51.704998,"end":57.079998},{"sentences":[{"text":"Perfect.","start":57.81,"end":58.29,"sentiment":"positive","sentiment_score":0.382743775844574},{"text":"Thank you, Kaylee.","start":58.29,"end":59.010002,"sentiment":"positive","sentiment_score":0.5180801550547282},{"text":"And I'm registered with Asic as adviser one two seven three one zero.","start":59.010002,"end":63.03,"sentiment":"neutral","sentiment_score":0.22702171825445616},{"text":"Now","start":64.13,"end":64.63,"sentiment":"neutral","sentiment_score":0.11960293352603912}],"sentiment":"neutral","sentiment_score":0.2782149728801515,"channel":0,"num_words":18,"start":57.81,"end":64.63},{"sentences":[{"text":"Yes.","start":64.58,"end":65.08,"sentiment":"neutral","sentiment_score":0.1193859726190567}],"sentiment":"neutral","sentiment_score":0.1193859726190567,"channel":1,"num_words":1,"start":64.58,"end":65.08},{"sentences":[{"text":"I've got your email address here, Kaylee Foster.","start":64.770004,"end":67.73,"sentiment":"neutral","sentiment_score":0.11382129229605198},{"text":"So that's your updated email address.","start":67.73,"end":69.41,"sentiment":"neutral","sentiment_score":0.14419040828943253},{"text":"Correct?","start":69.41,"end":69.91,"sentiment":"neutral","sentiment_score":0.12547437846660614}],"sentiment":"neutral","sentiment_score":0.12674581110477448,"channel":0,"num_words":15,"start":64.770004,"end":69.91},{"sentences":[{"text":"Yeah.","start":70.375,"end":70.875,"sentiment":"neutral","sentiment_score":0.09538477659225464}],"sentiment":"neutral","sentiment_score":0.09538477659225464,"channel":1,"num_words":1,"start":70.375,"end":70.875},{"sentences":[{"text":"Yep.","start":71.524994,"end":71.84499,"sentiment":"neutral","sentiment_score":0.1059771478176117},{"text":"So I'll just pop that through to you now.","start":71.84499,"end":73.704994,"sentiment":"neutral","sentiment_score":0.12950587272644043},{"text":"Will you be able to look on any of the documents with me today, or should I just kind of look through what's there?","start":73.84499,"end":78.265,"sentiment":"neutral","sentiment_score":0.07519574308147033}],"sentiment":"neutral","sentiment_score":0.0904772893032607,"channel":0,"num_words":34,"start":71.524994,"end":78.265},{"sentences":[{"text":"Yeah.","start":78.935,"end":79.335,"sentiment":"neutral","sentiment_score":0.04945499822497368},{"text":"I'll I'll be right to look through then.","start":79.335,"end":82.475,"sentiment":"neutral","sentiment_score":0.07435359200462699}],"sentiment":"neutral","sentiment_score":0.07158708158466551,"channel":1,"num_words":9,"start":78.935,"end":82.475},{"sentences":[{"text":"Cool.","start":83.47,"end":83.71,"sentiment":"neutral","sentiment_score":0.31745028495788574},{"text":"So I'm gonna send that through now.","start":83.71,"end":85.149994,"sentiment":"neutral","sentiment_score":0.1777887067624501},{"text":"There's a number of attachments that go along with it and a","start":85.149994,"end":88.67,"sentiment":"neutral","sentiment_score":0.09756639910240968}],"sentiment":"neutral","sentiment_score":0.13663840107619762,"channel":0,"num_words":20,"start":83.47,"end":88.67},{"sentences":[{"text":"Okay.","start":88.53,"end":89.03,"sentiment":"neutral","sentiment_score":0.05191254988312721}],"sentiment":"neutral","sentiment_score":0.05191254988312721,"channel":1,"num_words":1,"start":88.53,"end":89.03},{"sentences":[{"text":"digital authorization link as well.","start":88.67,"end":91.09,"sentiment":"neutral","sentiment_score":0.0429932739585638}],"sentiment":"neutral","sentiment_score":0.0429932739585638,"channel":0,"num_words":5,"start":88.67,"end":91.09},{"sentences":[{"text":"Mhmm.","start":91.81,"end":92.31,"sentiment":"neutral","sentiment_score":-0.026724928990006447}],"sentiment":"neutral","sentiment_score":-0.026724928990006447,"channel":1,"num_words":1,"start":91.81,"end":92.31},{"sentences":[{"text":"It is coming from our new system, so it might go through your spam box or main inbox.","start":92.43,"end":97.009995,"sentiment":"neutral","sentiment_score":-0.11083398221267594},{"text":"So","start":97.229996,"end":97.39,"sentiment":"neutral","sentiment_score":-0.07544607669115067}],"sentiment":"neutral","sentiment_score":-0.10897146086943776,"channel":0,"num_words":19,"start":92.43,"end":97.39},{"sentences":[{"text":"No.","start":97.354996,"end":97.595,"sentiment":"neutral","sentiment_score":-0.1378248780965805}],"sentiment":"neutral","sentiment_score":-0.1378248780965805,"channel":1,"num_words":1,"start":97.354996,"end":97.595},{"sentences":[{"text":"if you","start":97.39,"end":97.63,"sentiment":"neutral","sentiment_score":-0.10671460255980492}],"sentiment":"neutral","sentiment_score":-0.10671460255980492,"channel":0,"num_words":2,"start":97.39,"end":97.63},{"sentences":[{"text":"I've","start":97.595,"end":97.755,"sentiment":"neutral","sentiment_score":-0.10877378284931184}],"sentiment":"neutral","sentiment_score":-0.10877378284931184,"channel":1,"num_words":1,"start":97.595,"end":97.755},{"sentences":[{"text":"can just","start":97.63,"end":98.03,"sentiment":"neutral","sentiment_score":-0.07885527610778809}],"sentiment":"neutral","sentiment_score":-0.07885527610778809,"channel":0,"num_words":2,"start":97.63,"end":98.03},{"sentences":[{"text":"got it.","start":97.755,"end":98.314995,"sentiment":"neutral","sentiment_score":-0.07377640902996063}],"sentiment":"neutral","sentiment_score":-0.07377640902996063,"channel":1,"num_words":2,"start":97.755,"end":98.314995},{"sentences":[{"text":"check","start":98.03,"end":98.35,"sentiment":"neutral","sentiment_score":-0.03556815907359123}],"sentiment":"neutral","sentiment_score":-0.03556815907359123,"channel":0,"num_words":1,"start":98.03,"end":98.35},{"sentences":[{"text":"Tommy","start":98.314995,"end":98.814995,"sentiment":"neutral","sentiment_score":-0.029145363718271255}],"sentiment":"neutral","sentiment_score":-0.029145363718271255,"channel":1,"num_words":1,"start":98.314995,"end":98.814995},{"sentences":[{"text":"both.","start":98.35,"end":98.85,"sentiment":"neutral","sentiment_score":-0.03938984125852585}],"sentiment":"neutral","sentiment_score":-0.03938984125852585,"channel":0,"num_words":1,"start":98.35,"end":98.85},{"sentences":[{"text":"I'm not gonna pronounce that surname, but Tommy.","start":99.354996,"end":101.835,"sentiment":"neutral","sentiment_score":-0.05058720428496599},{"text":"Yeah.","start":101.835,"end":102.155,"sentiment":"neutral","sentiment_score":0.00920189544558525},{"text":"It's","start":102.155,"end":102.314995,"sentiment":"neutral","sentiment_score":0.011828984133899212}],"sentiment":"neutral","sentiment_score":-0.03836667547002435,"channel":1,"num_words":10,"start":99.354996,"end":102.314995},{"sentences":[{"text":"It's","start":102.155,"end":102.315,"sentiment":"neutral","sentiment_score":0.005272257141768932}],"sentiment":"neutral","sentiment_score":0.005272257141768932,"channel":0,"num_words":1,"start":102.155,"end":102.315},{"sentences":[{"text":"you.","start":102.314995,"end":102.555,"sentiment":"neutral","sentiment_score":0.006819415837526321}],"sentiment":"neutral","sentiment_score":0.006819415837526321,"channel":1,"num_words":1,"start":102.314995,"end":102.555},{"sentences":[{"text":"Croatia.","start":102.315,"end":102.815,"sentiment":"neutral","sentiment_score":0.009149949066340923}],"sentiment":"neutral","sentiment_score":0.009149949066340923,"channel":0,"num_words":1,"start":102.315,"end":102.815},{"sentences":[{"text":"Yeah.","start":102.555,"end":103.055,"sentiment":"neutral","sentiment_score":0.0434088408946991}],"sentiment":"neutral","sentiment_score":0.0434088408946991,"channel":1,"num_words":1,"start":102.555,"end":103.055},{"sentences":[{"text":"Yep.","start":102.955,"end":103.455,"sentiment":"neutral","sentiment_score":0.06923520565032959}],"sentiment":"neutral","sentiment_score":0.06923520565032959,"channel":0,"num_words":1,"start":102.955,"end":103.455},{"sentences":[{"text":"Alright.","start":103.835,"end":104.335,"sentiment":"neutral","sentiment_score":0.1538768857717514}],"sentiment":"neutral","sentiment_score":0.1538768857717514,"channel":1,"num_words":1,"start":103.835,"end":104.335},{"sentences":[{"text":"Perfect.","start":104.315,"end":104.795,"sentiment":"positive","sentiment_score":0.4298174381256103}],"sentiment":"positive","sentiment_score":0.4298174381256103,"channel":0,"num_words":1,"start":104.315,"end":104.795},{"sentences":[{"text":"Sweet.","start":104.555,"end":105.055,"sentiment":"positive","sentiment_score":0.3362390995025635}],"sentiment":"positive","sentiment_score":0.3362390995025635,"channel":1,"num_words":1,"start":104.555,"end":105.055},{"sentences":[{"text":"So there's PDF attachments at the bottom, and that","start":104.795,"end":108.715004,"sentiment":"neutral","sentiment_score":0.1326320552163654}],"sentiment":"neutral","sentiment_score":0.1326320552163654,"channel":0,"num_words":9,"start":104.795,"end":108.715004},{"sentences":[{"text":"Mhmm.","start":108.715,"end":109.215,"sentiment":"neutral","sentiment_score":0.10046135634183884}],"sentiment":"neutral","sentiment_score":0.10046135634183884,"channel":1,"num_words":1,"start":108.715,"end":109.215},{"sentences":[{"text":"includes performance reports for both hub accounts as well as your current account policy.","start":108.715004,"end":113.855,"sentiment":"neutral","sentiment_score":0.1365143395960331},{"text":"So","start":114.45,"end":114.95,"sentiment":"neutral","sentiment_score":0.0982792153954506}],"sentiment":"neutral","sentiment_score":0.13396533131599425,"channel":0,"num_words":15,"start":108.715004,"end":114.95},{"sentences":[{"text":"Yes.","start":114.75,"end":115.25,"sentiment":"neutral","sentiment_score":-0.014101637527346613}],"sentiment":"neutral","sentiment_score":-0.014101637527346613,"channel":1,"num_words":1,"start":114.75,"end":115.25},{"sentences":[{"text":"I'm just gonna go through the details that we have because I'm trying to make sure everything on the new system updates and matches for both of you guys.","start":115.17,"end":123.43,"sentiment":"neutral","sentiment_score":0.07777233807177379}],"sentiment":"neutral","sentiment_score":0.07777233807177379,"channel":0,"num_words":29,"start":115.17,"end":123.43},{"sentences":[{"text":"Yes.","start":123.84499,"end":124.34499,"sentiment":"neutral","sentiment_score":0.05468348786234856}],"sentiment":"neutral","sentiment_score":0.05468348786234856,"channel":1,"num_words":1,"start":123.84499,"end":124.34499},{"sentences":[{"text":"And I'm gonna just kind of wait So just bear with me for a moment.","start":124.85,"end":132.135,"sentiment":"neutral","sentiment_score":0.0018069433048367495},{"text":"I'm just gonna run through what we have.","start":132.135,"end":134.47499,"sentiment":"neutral","sentiment_score":0.03617818863131106}],"sentiment":"neutral","sentiment_score":0.013762159070566944,"channel":0,"num_words":23,"start":124.85,"end":134.47499},{"sentences":[{"text":"Yes.","start":135.205,"end":135.63,"sentiment":"neutral","sentiment_score":0.05765395611524582}],"sentiment":"neutral","sentiment_score":0.05765395611524582,"channel":1,"num_words":1,"start":135.205,"end":135.63},{"sentences":[{"text":"So we've got you're obviously married to Joe.","start":135.33499,"end":139.515,"sentiment":"neutral","sentiment_score":0.06139262253418565},{"text":"You've got Lila, just the one child at the moment.","start":139.735,"end":142.555,"sentiment":"neutral","sentiment_score":0.06554418094456196}],"sentiment":"neutral","sentiment_score":0.0636990438732836,"channel":0,"num_words":18,"start":135.33499,"end":142.555},{"sentences":[{"text":"Yep.","start":142.59001,"end":142.99,"sentiment":"neutral","sentiment_score":0.03777599707245827},{"text":"No.","start":142.99,"end":143.23001,"sentiment":"neutral","sentiment_score":-0.021751485764980316},{"text":"I've got two.","start":143.23001,"end":144.13,"sentiment":"neutral","sentiment_score":-0.0012009510149558384}],"sentiment":"neutral","sentiment_score":0.002484331652522087,"channel":1,"num_words":5,"start":142.59001,"end":144.13},{"sentences":[{"text":"Fantastic.","start":144.86,"end":145.36,"sentiment":"positive","sentiment_score":0.6766454577445984},{"text":"And I did see something, I think, in twenty twenty four, twenty five that you were off for about six weeks or so.","start":146.14,"end":154.37999,"sentiment":"neutral","sentiment_score":0.08775589517925096},{"text":"Is that","start":154.37999,"end":155.04,"sentiment":"neutral","sentiment_score":0.06380459293723106}],"sentiment":"neutral","sentiment_score":0.10856308587468587,"channel":0,"num_words":26,"start":144.86,"end":155.04},{"sentences":[{"text":"Yeah.","start":155.355,"end":155.675,"sentiment":"neutral","sentiment_score":0.059230245649814606}],"sentiment":"neutral","sentiment_score":0.059230245649814606,"channel":1,"num_words":1,"start":155.355,"end":155.675},{"sentences":[{"text":"your","start":155.645,"end":156.04501,"sentiment":"neutral","sentiment_score":0.03950406610965729}],"sentiment":"neutral","sentiment_score":0.03950406610965729,"channel":0,"num_words":1,"start":155.645,"end":156.04501},{"sentences":[{"text":"Yeah.","start":155.675,"end":155.91501,"sentiment":"neutral","sentiment_score":0.037887826561927795},{"text":"So","start":155.91501,"end":156.035,"sentiment":"neutral","sentiment_score":0.019105026498436928}],"sentiment":"neutral","sentiment_score":0.02849642653018236,"channel":1,"num_words":2,"start":155.675,"end":156.035},{"sentences":[{"text":"second","start":156.04501,"end":156.365,"sentiment":"neutral","sentiment_score":0.014599502086639404}],"sentiment":"neutral","sentiment_score":0.014599502086639404,"channel":0,"num_words":1,"start":156.04501,"end":156.365},{"sentences":[{"text":"yeah.","start":156.155,"end":156.475,"sentiment":"neutral","sentiment_score":0.01804487034678459}],"sentiment":"neutral","sentiment_score":0.01804487034678459,"channel":1,"num_words":1,"start":156.155,"end":156.475},{"sentences":[{"text":"shot","start":156.365,"end":156.60501,"sentiment":"neutral","sentiment_score":0.007802595384418964}],"sentiment":"neutral","sentiment_score":0.007802595384418964,"channel":0,"num_words":1,"start":156.365,"end":156.60501},{"sentences":[{"text":"I've","start":156.475,"end":156.63501,"sentiment":"neutral","sentiment_score":0.012492500245571136}],"sentiment":"neutral","sentiment_score":0.012492500245571136,"channel":1,"num_words":1,"start":156.475,"end":156.63501},{"sentences":[{"text":"about","start":156.60501,"end":156.925,"sentiment":"neutral","sentiment_score":0.010896526277065275}],"sentiment":"neutral","sentiment_score":0.010896526277065275,"channel":0,"num_words":1,"start":156.60501,"end":156.925},{"sentences":[{"text":"got","start":156.63501,"end":156.955,"sentiment":"neutral","sentiment_score":0.016824951395392418}],"sentiment":"neutral","sentiment_score":0.016824951395392418,"channel":1,"num_words":1,"start":156.63501,"end":156.955},{"sentences":[{"text":"two?","start":156.925,"end":157.425,"sentiment":"neutral","sentiment_score":0.01667463406920433}],"sentiment":"neutral","sentiment_score":0.01667463406920433,"channel":0,"num_words":1,"start":156.925,"end":157.425},{"sentences":[{"text":"a yeah.","start":156.955,"end":157.675,"sentiment":"neutral","sentiment_score":0.018751186784356833},{"text":"So she's two now.","start":157.675,"end":159.035,"sentiment":"neutral","sentiment_score":0.037280306220054626},{"text":"So yeah.","start":159.035,"end":160.395,"sentiment":"neutral","sentiment_score":0.04344145208597183},{"text":"So two dependents.","start":160.395,"end":161.615,"sentiment":"neutral","sentiment_score":0.03425954903165499}],"sentiment":"neutral","sentiment_score":0.03420774088325826,"channel":1,"num_words":11,"start":156.955,"end":161.615},{"sentences":[{"text":"Okay.","start":162.925,"end":163.405,"sentiment":"neutral","sentiment_score":0.028891917318105698},{"text":"And your second daughter's name?","start":163.405,"end":165.345,"sentiment":"neutral","sentiment_score":0.025587862730026244}],"sentiment":"neutral","sentiment_score":0.026138538494706154,"channel":0,"num_words":6,"start":162.925,"end":165.345},{"sentences":[{"text":"Vienna.","start":165.84,"end":166.34,"sentiment":"neutral","sentiment_score":0.010166922584176064}],"sentiment":"neutral","sentiment_score":0.010166922584176064,"channel":1,"num_words":1,"start":165.84,"end":166.34},{"sentences":[{"text":"Vienna.","start":167.405,"end":167.88501,"sentiment":"neutral","sentiment_score":0.008478159084916115},{"text":"Is that with a n n a?","start":167.88501,"end":169.505,"sentiment":"neutral","sentiment_score":0.023171464779547284}],"sentiment":"neutral","sentiment_score":0.021334801567718387,"channel":0,"num_words":8,"start":167.405,"end":169.505},{"sentences":[{"text":"Yes.","start":169.84,"end":170.34,"sentiment":"neutral","sentiment_score":0.14143972098827362}],"sentiment":"neutral","sentiment_score":0.14143972098827362,"channel":1,"num_words":1,"start":169.84,"end":170.34},{"sentences":[{"text":"Perfect.","start":171.51,"end":171.98999,"sentiment":"positive","sentiment_score":0.41351157426834106},{"text":"Okay.","start":171.98999,"end":172.31,"sentiment":"neutral","sentiment_score":0.134893000125885},{"text":"So quick question on that one is you've got Myla listed as your beneficiary for the super to receive all the superannuation.","start":172.31,"end":179.20999,"sentiment":"neutral","sentiment_score":0.08527622016316111},{"text":"Would you like","start":179.91,"end":180.47,"sentiment":"neutral","sentiment_score":0.032554088781277336}],"sentiment":"neutral","sentiment_score":0.09341272904917046,"channel":0,"num_words":27,"start":171.51,"end":180.47},{"sentences":[{"text":"Yeah.","start":180.445,"end":180.945,"sentiment":"neutral","sentiment_score":0.04876085743308067}],"sentiment":"neutral","sentiment_score":0.04876085743308067,"channel":1,"num_words":1,"start":180.445,"end":180.945},{"sentences":[{"text":"to update that?","start":180.47,"end":181.605,"sentiment":"neutral","sentiment_score":0.05034800743063291}],"sentiment":"neutral","sentiment_score":0.05034800743063291,"channel":0,"num_words":3,"start":180.47,"end":181.605},{"sentences":[{"text":"Yeah.","start":182.60501,"end":182.845,"sentiment":"neutral","sentiment_score":0.08093508332967758},{"text":"You should probably do both of them.","start":182.845,"end":184.625,"sentiment":"neutral","sentiment_score":0.0895509272813797}],"sentiment":"neutral","sentiment_score":0.08847394678741693,"channel":1,"num_words":8,"start":182.60501,"end":184.625},{"sentences":[{"text":"Yep.","start":185.205,"end":185.525,"sentiment":"neutral","sentiment_score":0.07129986584186554},{"text":"So just a fifty fifty split between them.","start":185.525,"end":187.705,"sentiment":"neutral","sentiment_score":0.04745397996157408}],"sentiment":"neutral","sentiment_score":0.05010352283716202,"channel":0,"num_words":9,"start":185.205,"end":187.705},{"sentences":[{"text":"Yes,","start":188.54001,"end":189.04001,"sentiment":"neutral","sentiment_score":0.19553203880786896}],"sentiment":"neutral","sentiment_score":0.19553203880786896,"channel":1,"num_words":1,"start":188.54001,"end":189.04001},{"sentences":[{"text":"Perfect.","start":190.245,"end":190.745,"sentiment":"positive","sentiment_score":0.3580934405326843},{"text":"Now just bear in mind,","start":190.805,"end":191.845,"sentiment":"neutral","sentiment_score":0.11292106658220291}],"sentiment":"neutral","sentiment_score":0.15378312890728316,"channel":0,"num_words":6,"start":190.245,"end":191.845},{"sentences":[{"text":"please.","start":191.66,"end":192.16,"sentiment":"neutral","sentiment_score":0.06257078051567078}],"sentiment":"neutral","sentiment_score":0.06257078051567078,"channel":1,"num_words":1,"start":191.66,"end":192.16},{"sentences":[{"text":"of course, to anyone who's under 18, if you pass away and they receive your super, whoever's kind of their guardian for general or whoever at the time, they'll obviously be looking after the funds on their behalf until they're 18.","start":191.845,"end":206.17,"sentiment":"neutral","sentiment_score":0.03733615620947647}],"sentiment":"neutral","sentiment_score":0.03733615620947647,"channel":0,"num_words":41,"start":191.845,"end":206.17},{"sentences":[{"text":"Yes.","start":206.885,"end":207.285,"sentiment":"neutral","sentiment_score":0.16657251119613647},{"text":"All good.","start":207.285,"end":208.105,"sentiment":"positive","sentiment_score":0.4635927975177765}],"sentiment":"positive","sentiment_score":0.36458603541056317,"channel":1,"num_words":3,"start":206.885,"end":208.105},{"sentences":[{"text":"Perfect.","start":208.78499,"end":209.265,"sentiment":"positive","sentiment_score":0.5433425307273865},{"text":"We're still in Upper Kumara, so that's great.","start":209.265,"end":211.765,"sentiment":"positive","sentiment_score":0.409836832433939},{"text":"When it comes to the occupation side of it, so you're still","start":212.305,"end":216.305,"sentiment":"neutral","sentiment_score":0.08490876698245604}],"sentiment":"neutral","sentiment_score":0.23052106638039863,"channel":0,"num_words":21,"start":208.78499,"end":216.305},{"sentences":[{"text":"Yeah.","start":216.20999,"end":216.70999,"sentiment":"neutral","sentiment_score":0.07384969294071198}],"sentiment":"neutral","sentiment_score":0.07384969294071198,"channel":1,"num_words":1,"start":216.20999,"end":216.70999},{"sentences":[{"text":"with Hexicore, I believe.","start":216.305,"end":217.825,"sentiment":"neutral","sentiment_score":0.08645760081708431},{"text":"That's coming through from your contributions.","start":217.825,"end":219.685,"sentiment":"neutral","sentiment_score":0.12217978884776433},{"text":"Yep.","start":219.825,"end":220.325,"sentiment":"neutral","sentiment_score":0.07130809128284454},{"text":"Can you just briefly walk me through I think your income was listed as a $140,000 base.","start":221.0,"end":226.46,"sentiment":"neutral","sentiment_score":0.03940082461956669}],"sentiment":"neutral","sentiment_score":0.0650011159346572,"channel":0,"num_words":28,"start":216.305,"end":226.46},{"sentences":[{"text":"Yes.","start":226.37,"end":226.87,"sentiment":"neutral","sentiment_score":0.05565623193979263},{"text":"Yes.","start":226.93,"end":227.33,"sentiment":"neutral","sentiment_score":0.07193315774202347},{"text":"That's right.","start":227.33,"end":228.15,"sentiment":"neutral","sentiment_score":0.10591470822691917}],"sentiment":"neutral","sentiment_score":0.08485470153391361,"channel":1,"num_words":4,"start":226.37,"end":228.15},{"sentences":[{"text":"Okay.","start":228.76001,"end":229.26001,"sentiment":"neutral","sentiment_score":0.03968305140733719},{"text":"Do you have anything above that in terms of bonuses or anything that I need to take into account?","start":229.72,"end":234.54001,"sentiment":"neutral","sentiment_score":-0.0004802097223306957}],"sentiment":"neutral","sentiment_score":0.0015279533341526984,"channel":0,"num_words":20,"start":228.76001,"end":234.54001},{"sentences":[{"text":"Yeah.","start":234.97499,"end":235.295,"sentiment":"neutral","sentiment_score":0.05057594925165176},{"text":"I do get bonuses.","start":235.295,"end":236.595,"sentiment":"neutral","sentiment_score":0.05331762973219156},{"text":"It fluctuates, so obviously, it's based on invoicing.","start":237.69499,"end":241.075,"sentiment":"neutral","sentiment_score":-0.034150912426412106},{"text":"I think at the moment, this financial year today, I'm I've got about 50 k ish.","start":241.855,"end":249.42,"sentiment":"neutral","sentiment_score":0.014158984937239438}],"sentiment":"neutral","sentiment_score":0.007489066474653524,"channel":1,"num_words":29,"start":234.97499,"end":249.42},{"sentences":[{"text":"50","start":251.13,"end":251.45001,"sentiment":"neutral","sentiment_score":0.00925295613706112}],"sentiment":"neutral","sentiment_score":0.00925295613706112,"channel":0,"num_words":1,"start":251.13,"end":251.45001},{"sentences":[{"text":"So","start":251.24,"end":251.64,"sentiment":"neutral","sentiment_score":0.012269885279238224}],"sentiment":"neutral","sentiment_score":0.012269885279238224,"channel":1,"num_words":1,"start":251.24,"end":251.64},{"sentences":[{"text":"k","start":251.45001,"end":251.77,"sentiment":"neutral","sentiment_score":0.01890222355723381}],"sentiment":"neutral","sentiment_score":0.01890222355723381,"channel":0,"num_words":1,"start":251.45001,"end":251.77},{"sentences":[{"text":"say","start":251.64,"end":252.12,"sentiment":"neutral","sentiment_score":0.02133475616574287}],"sentiment":"neutral","sentiment_score":0.02133475616574287,"channel":1,"num_words":1,"start":251.64,"end":252.12},{"sentences":[{"text":"in bonuses.","start":251.77,"end":252.51001,"sentiment":"neutral","sentiment_score":0.037268076092004776}],"sentiment":"neutral","sentiment_score":0.037268076092004776,"channel":0,"num_words":2,"start":251.77,"end":252.51001},{"sentences":[{"text":"I've yeah.","start":252.12,"end":253.82,"sentiment":"neutral","sentiment_score":0.07417023181915283}],"sentiment":"neutral","sentiment_score":0.07417023181915283,"channel":1,"num_words":2,"start":252.12,"end":253.82},{"sentences":[{"text":"Wow.","start":256.17,"end":256.41,"sentiment":"positive","sentiment_score":0.6091697216033936},{"text":"That's amazing.","start":256.41,"end":257.05002,"sentiment":"positive","sentiment_score":0.7779776751995087},{"text":"Almost at the $200,000 mark.","start":257.05002,"end":258.65,"sentiment":"positive","sentiment_score":0.513312691450119},{"text":"You probably will hit that for the year.","start":258.65,"end":260.75,"sentiment":"positive","sentiment_score":0.3900780417025089}],"sentiment":"positive","sentiment_score":0.49076955392956734,"channel":0,"num_words":16,"start":256.17,"end":260.75},{"sentences":[{"text":"Yes.","start":261.145,"end":261.54498,"sentiment":"neutral","sentiment_score":0.2561005651950836},{"text":"He is open.","start":261.54498,"end":262.365,"sentiment":"neutral","sentiment_score":0.26722807188828784}],"sentiment":"neutral","sentiment_score":0.2644461952149868,"channel":1,"num_words":4,"start":261.145,"end":262.365},{"sentences":[{"text":"Okay.","start":263.525,"end":264.005,"sentiment":"positive","sentiment_score":0.45140692591667175},{"text":"Fantastic.","start":264.005,"end":264.505,"sentiment":"positive","sentiment_score":0.6341147422790527},{"text":"When it comes to income protection, you can cover up to 70% of your income.","start":264.965,"end":270.025,"sentiment":"neutral","sentiment_score":0.14718982726335525},{"text":"Do you want me to just base it on the $140,000 base income?","start":270.16498,"end":274.565,"sentiment":"neutral","sentiment_score":0.042199420814330764},{"text":"Do you want me to try and bump it up a little bit?","start":274.565,"end":276.78,"sentiment":"neutral","sentiment_score":0.038389102197610415}],"sentiment":"neutral","sentiment_score":0.10095395061165788,"channel":0,"num_words":43,"start":263.525,"end":276.78},{"sentences":[{"text":"I would I would say probably just do it on the base because it like I said, it does fluctuate.","start":278.19998,"end":283.18,"sentiment":"neutral","sentiment_score":0.009418929927051067},{"text":"So I don't wanna over commit.","start":283.4,"end":284.94,"sentiment":"neutral","sentiment_score":-0.05441126972436905},{"text":"Do You know what I mean?","start":285.72,"end":286.92502,"sentiment":"neutral","sentiment_score":-0.011081547476351261}],"sentiment":"neutral","sentiment_score":-0.006393072020728141,"channel":1,"num_words":32,"start":278.19998,"end":286.92502},{"sentences":[{"text":"I think yeah.","start":286.94,"end":287.66,"sentiment":"neutral","sentiment_score":0.0025215589751799903},{"text":"And that's the thing is that I want you being over insured and then you go to claim and you give in your twelve month income and they pay you on a lesser amount than what you've","start":287.66,"end":295.29498,"sentiment":"neutral","sentiment_score":0.018704265658114408}],"sentiment":"neutral","sentiment_score":0.017490562656894325,"channel":0,"num_words":40,"start":286.94,"end":295.29498},{"sentences":[{"text":"Yeah.","start":295.065,"end":295.385,"sentiment":"neutral","sentiment_score":0.03023893386125565}],"sentiment":"neutral","sentiment_score":0.03023893386125565,"channel":1,"num_words":1,"start":295.065,"end":295.385},{"sentences":[{"text":"been","start":295.29498,"end":295.455,"sentiment":"neutral","sentiment_score":0.04627050459384918}],"sentiment":"neutral","sentiment_score":0.04627050459384918,"channel":0,"num_words":1,"start":295.29498,"end":295.455},{"sentences":[{"text":"Precisely.","start":295.385,"end":295.885,"sentiment":"neutral","sentiment_score":0.05133747309446335}],"sentiment":"neutral","sentiment_score":0.05133747309446335,"channel":1,"num_words":1,"start":295.385,"end":295.885},{"sentences":[{"text":"paying premiums for.","start":295.455,"end":296.91498,"sentiment":"neutral","sentiment_score":0.011654659174382687}],"sentiment":"neutral","sentiment_score":0.011654659174382687,"channel":0,"num_words":3,"start":295.455,"end":296.91498},{"sentences":[{"text":"Yeah.","start":296.905,"end":297.305,"sentiment":"neutral","sentiment_score":0.024650774896144867}],"sentiment":"neutral","sentiment_score":0.024650774896144867,"channel":1,"num_words":1,"start":296.905,"end":297.305},{"sentences":[{"text":"Yeah.","start":297.13498,"end":297.63498,"sentiment":"neutral","sentiment_score":0.03184680640697479}],"sentiment":"neutral","sentiment_score":0.03184680640697479,"channel":0,"num_words":1,"start":297.13498,"end":297.63498},{"sentences":[{"text":"So I reckon it's just safer to base it on the base.","start":297.305,"end":301.22,"sentiment":"neutral","sentiment_score":0.04204618123670419},{"text":"Obviously, on the provider that hopefully I'll never need it.","start":301.28,"end":304.18002,"sentiment":"neutral","sentiment_score":0.007525487802922726}],"sentiment":"neutral","sentiment_score":0.026354956948621708,"channel":1,"num_words":22,"start":297.305,"end":304.18002},{"sentences":[{"text":"A 100%.","start":305.41998,"end":306.4,"sentiment":"neutral","sentiment_score":0.09494320675730705},{"text":"With your 140 k base, that pretty much gives you a cover amount of 8,166 per month before tax.","start":307.18,"end":314.96,"sentiment":"neutral","sentiment_score":0.11512585847001326},{"text":"So","start":315.5,"end":316.0,"sentiment":"neutral","sentiment_score":0.08585209399461746}],"sentiment":"neutral","sentiment_score":0.1119604462927038,"channel":0,"num_words":22,"start":305.41998,"end":316.0},{"sentences":[{"text":"Yep.","start":315.935,"end":316.435,"sentiment":"neutral","sentiment_score":0.07222688943147659}],"sentiment":"neutral","sentiment_score":0.07222688943147659,"channel":1,"num_words":1,"start":315.935,"end":316.435},{"sentences":[{"text":"call it just under 2,000 a week, you would get after tax.","start":316.06,"end":320.755,"sentiment":"neutral","sentiment_score":0.07467054606725772},{"text":"Would","start":320.815,"end":321.055,"sentiment":"neutral","sentiment_score":0.06340488791465759}],"sentiment":"neutral","sentiment_score":0.07380395697859618,"channel":0,"num_words":13,"start":316.06,"end":321.055},{"sentences":[{"text":"Yep.","start":321.055,"end":321.555,"sentiment":"neutral","sentiment_score":0.0505068302154541}],"sentiment":"neutral","sentiment_score":0.0505068302154541,"channel":1,"num_words":1,"start":321.055,"end":321.555},{"sentences":[{"text":"that still be okay for expenses and the luck?","start":321.055,"end":323.635,"sentiment":"neutral","sentiment_score":0.06332358055644566}],"sentiment":"neutral","sentiment_score":0.06332358055644566,"channel":0,"num_words":9,"start":321.055,"end":323.635},{"sentences":[{"text":"Yeah.","start":324.175,"end":324.495,"sentiment":"neutral","sentiment_score":0.04037408158183098},{"text":"Yeah.","start":324.495,"end":324.895,"sentiment":"neutral","sentiment_score":0.046627551317214966},{"text":"I'm I'm sure we would make it work.","start":324.895,"end":327.215,"sentiment":"neutral","sentiment_score":0.0695005867164582},{"text":"I mean, right now, we'd be surviving on Joe's if we were both fucked, So I think it's better than what we've got","start":327.215,"end":333.6,"sentiment":"neutral","sentiment_score":-0.03501245805629245}],"sentiment":"neutral","sentiment_score":-0.004917582080727725,"channel":1,"num_words":33,"start":324.175,"end":333.6},{"sentences":[{"text":"Yeah.","start":333.42,"end":333.92,"sentiment":"neutral","sentiment_score":0.011774443089962006}],"sentiment":"neutral","sentiment_score":0.011774443089962006,"channel":0,"num_words":1,"start":333.42,"end":333.92},{"sentences":[{"text":"now.","start":333.6,"end":334.1,"sentiment":"neutral","sentiment_score":0.02939222753047943},{"text":"So","start":335.92,"end":336.04,"sentiment":"neutral","sentiment_score":0.09885086864233016}],"sentiment":"neutral","sentiment_score":0.0641215480864048,"channel":1,"num_words":2,"start":333.6,"end":336.04},{"sentences":[{"text":"Absolutely.","start":336.14,"end":336.64,"sentiment":"neutral","sentiment_score":0.14760370552539823}],"sentiment":"neutral","sentiment_score":0.14760370552539823,"channel":0,"num_words":1,"start":336.14,"end":336.64},{"sentences":[{"text":"yeah.","start":336.16,"end":336.48,"sentiment":"neutral","sentiment_score":0.14899514615535736},{"text":"All good.","start":336.48,"end":337.22,"sentiment":"neutral","sentiment_score":0.23062582314014435}],"sentiment":"neutral","sentiment_score":0.20341559747854868,"channel":1,"num_words":3,"start":336.16,"end":337.22},{"sentences":[{"text":"Now we can choose between different waiting periods and benefit periods.","start":338.46,"end":342.96,"sentiment":"neutral","sentiment_score":0.03525254841555248},{"text":"So the standard waiting period is thirty days being out of work, SQL injured.","start":343.26,"end":348.4,"sentiment":"neutral","sentiment_score":-0.017660835491759435},{"text":"You can","start":348.645,"end":349.285,"sentiment":"neutral","sentiment_score":0.02129216492176056}],"sentiment":"neutral","sentiment_score":0.006781876501109865,"channel":0,"num_words":27,"start":338.46,"end":349.285},{"sentences":[{"text":"Yep.","start":349.015,"end":349.515,"sentiment":"neutral","sentiment_score":0.019935544580221176}],"sentiment":"neutral","sentiment_score":0.019935544580221176,"channel":1,"num_words":1,"start":349.015,"end":349.515},{"sentences":[{"text":"push that out to sixty or ninety days if you would rather, like, rely on savings and have a more affordable policy.","start":349.285,"end":356.505,"sentiment":"neutral","sentiment_score":0.03936263851144097},{"text":"Do you have a preference either way?","start":356.885,"end":358.825,"sentiment":"neutral","sentiment_score":-0.0041444797867110795}],"sentiment":"neutral","sentiment_score":0.0288609203015422,"channel":0,"num_words":29,"start":349.285,"end":358.825},{"sentences":[{"text":"Sorry.","start":359.3,"end":359.62,"sentiment":"neutral","sentiment_score":-0.04289516806602478},{"text":"What was that?","start":359.62,"end":360.34,"sentiment":"neutral","sentiment_score":-0.0408656100432078},{"text":"So thirty days or sixty to ninety?","start":360.34,"end":362.84,"sentiment":"neutral","sentiment_score":-0.024741069812859808}],"sentiment":"neutral","sentiment_score":-0.03078904426233335,"channel":1,"num_words":11,"start":359.3,"end":362.84},{"sentences":[{"text":"Yeah.","start":363.96002,"end":364.44,"sentiment":"neutral","sentiment_score":-0.010855196043848991},{"text":"Thirty, sixty, or ninety are the the.","start":364.44,"end":366.7,"sentiment":"neutral","sentiment_score":-0.024549459772450582}],"sentiment":"neutral","sentiment_score":-0.022837676806375384,"channel":0,"num_words":8,"start":363.96002,"end":366.7},{"sentences":[{"text":"I mean, I'd need to probably know what the difference is.","start":368.02,"end":371.685,"sentiment":"neutral","sentiment_score":-0.03960314206779003},{"text":"I don't I don't know what Joe's is set at.","start":371.685,"end":374.16498,"sentiment":"neutral","sentiment_score":-0.14703627079725265},{"text":"I can't remember what Sevi said to do it.","start":374.16498,"end":377.205,"sentiment":"neutral","sentiment_score":-0.0727588145269288},{"text":"He kinda guided us with the initial setup of Joe's because we didn't have a clue.","start":377.205,"end":381.28497,"sentiment":"neutral","sentiment_score":-0.03526988020166755},{"text":"So","start":381.28497,"end":381.78497,"sentiment":"neutral","sentiment_score":-0.0056057944893836975}],"sentiment":"neutral","sentiment_score":-0.06661171232290725,"channel":1,"num_words":47,"start":368.02,"end":381.78497},{"sentences":[{"text":"Yeah.","start":382.93503,"end":383.43503,"sentiment":"neutral","sentiment_score":0.02819257415831089},{"text":"I think if","start":384.05502,"end":384.695,"sentiment":"neutral","sentiment_score":0.07708047330379486}],"sentiment":"neutral","sentiment_score":0.06485849851742387,"channel":0,"num_words":4,"start":382.93503,"end":384.695},{"sentences":[{"text":"yeah.","start":384.56497,"end":385.06497,"sentiment":"neutral","sentiment_score":0.09053796529769896}],"sentiment":"neutral","sentiment_score":0.09053796529769896,"channel":1,"num_words":1,"start":384.56497,"end":385.06497},{"sentences":[{"text":"I was to try and give you a bit of a guide, because you're young and pretty much in a white collar occupation, your life and TPD premiums are very, very cheap.","start":384.695,"end":396.33,"sentiment":"neutral","sentiment_score":0.16880071116611362},{"text":"So it's","start":396.47,"end":396.78998,"sentiment":"neutral","sentiment_score":0.13385649770498276}],"sentiment":"neutral","sentiment_score":0.1667451691978118,"channel":0,"num_words":34,"start":384.695,"end":396.78998},{"sentences":[{"text":"Yeah.","start":396.66998,"end":396.83,"sentiment":"neutral","sentiment_score":0.1286233365535736}],"sentiment":"neutral","sentiment_score":0.1286233365535736,"channel":1,"num_words":1,"start":396.66998,"end":396.83},{"sentences":[{"text":"under","start":396.78998,"end":397.03,"sentiment":"neutral","sentiment_score":0.19229446351528168}],"sentiment":"neutral","sentiment_score":0.19229446351528168,"channel":0,"num_words":1,"start":396.78998,"end":397.03},{"sentences":[{"text":"Okay.","start":396.83,"end":397.33,"sentiment":"neutral","sentiment_score":0.11619509756565094}],"sentiment":"neutral","sentiment_score":0.11619509756565094,"channel":1,"num_words":1,"start":396.83,"end":397.33},{"sentences":[{"text":"a thousand dollars for you to have 1,200,000 of both.","start":397.03,"end":400.33,"sentiment":"neutral","sentiment_score":0.17240532785654067},{"text":"So the","start":400.47498,"end":401.035,"sentiment":"neutral","sentiment_score":0.13019987568259236}],"sentiment":"neutral","sentiment_score":0.1653710858275493,"channel":0,"num_words":12,"start":397.03,"end":401.035},{"sentences":[{"text":"Yeah.","start":400.83,"end":401.33,"sentiment":"neutral","sentiment_score":0.15043114125728607}],"sentiment":"neutral","sentiment_score":0.15043114125728607,"channel":1,"num_words":1,"start":400.83,"end":401.33},{"sentences":[{"text":"standard you would do would be a thirty day wait and a benefit period all the way up to the age of 65.","start":401.035,"end":407.375,"sentiment":"neutral","sentiment_score":0.1345345489680767},{"text":"That","start":407.675,"end":407.91498,"sentiment":"neutral","sentiment_score":0.2642748951911926}],"sentiment":"neutral","sentiment_score":0.1399403967273732,"channel":0,"num_words":24,"start":401.035,"end":407.91498},{"sentences":[{"text":"Okay.","start":407.855,"end":408.355,"sentiment":"positive","sentiment_score":0.3886091709136963}],"sentiment":"positive","sentiment_score":0.3886091709136963,"channel":1,"num_words":1,"start":407.855,"end":408.355},{"sentences":[{"text":"would be ideal.","start":407.91498,"end":409.13498,"sentiment":"positive","sentiment_score":0.45854851603507996}],"sentiment":"positive","sentiment_score":0.45854851603507996,"channel":0,"num_words":3,"start":407.91498,"end":409.13498},{"sentences":[{"text":"Okay.","start":409.855,"end":410.335,"sentiment":"neutral","sentiment_score":0.2495311051607132},{"text":"Sure.","start":410.335,"end":410.73502,"sentiment":"neutral","sentiment_score":0.2554720938205719},{"text":"Let's let's go with that then.","start":410.73502,"end":413.475,"sentiment":"neutral","sentiment_score":0.19528474658727646}],"sentiment":"neutral","sentiment_score":0.20958895981311798,"channel":1,"num_words":8,"start":409.855,"end":413.475},{"sentences":[{"text":"Yep.","start":413.77,"end":414.25,"sentiment":"neutral","sentiment_score":0.07990602403879166},{"text":"If there's any issues where I see really high premiums that may impact, like, the group of the growth of your super or anything like that, I'll obviously look to maybe trim it down to two years or five years for short term","start":414.25,"end":424.81,"sentiment":"neutral","sentiment_score":-0.17995981421581533}],"sentiment":"neutral","sentiment_score":-0.17405377243730155,"channel":0,"num_words":44,"start":413.77,"end":424.81},{"sentences":[{"text":"Yeah.","start":424.72,"end":425.22,"sentiment":"neutral","sentiment_score":-0.22971290349960327}],"sentiment":"neutral","sentiment_score":-0.22971290349960327,"channel":1,"num_words":1,"start":424.72,"end":425.22},{"sentences":[{"text":"injury.","start":424.81,"end":425.31,"sentiment":"neutral","sentiment_score":-0.2892164885997772}],"sentiment":"neutral","sentiment_score":-0.2892164885997772,"channel":0,"num_words":1,"start":424.81,"end":425.31},{"sentences":[{"text":"Okay.","start":426.0,"end":426.5,"sentiment":"neutral","sentiment_score":-0.2207583785057068}],"sentiment":"neutral","sentiment_score":-0.2207583785057068,"channel":1,"num_words":1,"start":426.0,"end":426.5},{"sentences":[{"text":"But if it's only gonna be a couple of grand given your contributions, balance, and growth, it's not really gonna have a big impact.","start":426.025,"end":433.245,"sentiment":"negative","sentiment_score":-0.35180957056581974}],"sentiment":"negative","sentiment_score":-0.35180957056581974,"channel":0,"num_words":24,"start":426.025,"end":433.245},{"sentences":[{"text":"Yeah.","start":433.725,"end":434.205,"sentiment":"neutral","sentiment_score":-0.01889408752322197},{"text":"Sure thing.","start":434.205,"end":434.94498,"sentiment":"neutral","sentiment_score":0.0637775007635355}],"sentiment":"neutral","sentiment_score":0.036220304667949677,"channel":1,"num_words":3,"start":433.725,"end":434.94498},{"sentences":[{"text":"K?","start":435.785,"end":436.185,"sentiment":"neutral","sentiment_score":0.029409172013401985},{"text":"Now you do have the option to actually pay for income protection out of pocket and get a full tax deduction for it or pay it through the super, and you only get a 15% rebate unless you salary sacrifice the premiums.","start":436.185,"end":449.69,"sentiment":"neutral","sentiment_score":0.09241820188860099},{"text":"Did you want me to look at an out of pocket policy or just put it through the super?","start":450.31,"end":454.33,"sentiment":"neutral","sentiment_score":-0.01695675285238969}],"sentiment":"neutral","sentiment_score":0.05788379592160063,"channel":0,"num_words":62,"start":435.785,"end":454.33},{"sentences":[{"text":"Look at the out of pocket, I guess, and see where we stand with that.","start":455.69,"end":460.19,"sentiment":"neutral","sentiment_score":-0.046360306938489276}],"sentiment":"neutral","sentiment_score":-0.046360306938489276,"channel":1,"num_words":15,"start":455.69,"end":460.19},{"sentences":[{"text":"Yep.","start":460.985,"end":461.485,"sentiment":"neutral","sentiment_score":0.09010031819343568},{"text":"Now they'll be pretty much identical policies anyway.","start":461.625,"end":464.365,"sentiment":"neutral","sentiment_score":0.09008556324988604},{"text":"It is just a","start":464.66498,"end":465.465,"sentiment":"neutral","sentiment_score":0.0579884322360158}],"sentiment":"neutral","sentiment_score":0.08021065793358363,"channel":0,"num_words":13,"start":460.985,"end":465.465},{"sentences":[{"text":"Yeah.","start":465.41498,"end":465.91498,"sentiment":"neutral","sentiment_score":0.013978103175759315}],"sentiment":"neutral","sentiment_score":0.013978103175759315,"channel":1,"num_words":1,"start":465.41498,"end":465.91498},{"sentences":[{"text":"little bit easier to claim on out of pocket, but most of the insurers have built in benefits to kind of work through definitions out of super anyway.","start":465.465,"end":475.0,"sentiment":"neutral","sentiment_score":0.00806485116481781},{"text":"I'll do","start":475.53998,"end":475.86,"sentiment":"neutral","sentiment_score":0.08267632126808167}],"sentiment":"neutral","sentiment_score":0.013038949171702067,"channel":0,"num_words":30,"start":465.465,"end":475.86},{"sentences":[{"text":"Sure.","start":475.84998,"end":476.34998,"sentiment":"neutral","sentiment_score":0.09353892505168916}],"sentiment":"neutral","sentiment_score":0.09353892505168916,"channel":1,"num_words":1,"start":475.84998,"end":476.34998},{"sentences":[{"text":"up a quote for both.","start":475.86,"end":477.0,"sentiment":"neutral","sentiment_score":0.08194516748189926},{"text":"K.","start":479.62,"end":480.12,"sentiment":"neutral","sentiment_score":0.02327420935034752},{"text":"Duties wise, so are you still essentially in, like, a sales role?","start":480.755,"end":484.695,"sentiment":"neutral","sentiment_score":0.01757764955982566}],"sentiment":"neutral","sentiment_score":0.035773991193208426,"channel":0,"num_words":18,"start":475.86,"end":484.695},{"sentences":[{"text":"Yes.","start":485.21,"end":485.71,"sentiment":"neutral","sentiment_score":0.06533458828926086}],"sentiment":"neutral","sentiment_score":0.06533458828926086,"channel":1,"num_words":1,"start":485.21,"end":485.71},{"sentences":[{"text":"Like, BDM type, you're always kind of on","start":489.795,"end":492.035,"sentiment":"neutral","sentiment_score":0.07263571815565228}],"sentiment":"neutral","sentiment_score":0.07263571815565228,"channel":0,"num_words":8,"start":489.795,"end":492.035},{"sentences":[{"text":"Yep.","start":491.965,"end":492.365,"sentiment":"neutral","sentiment_score":0.08878110349178314}],"sentiment":"neutral","sentiment_score":0.08878110349178314,"channel":1,"num_words":1,"start":491.965,"end":492.365},{"sentences":[{"text":"the road","start":492.035,"end":492.61502,"sentiment":"neutral","sentiment_score":0.09785046428442}],"sentiment":"neutral","sentiment_score":0.09785046428442,"channel":0,"num_words":2,"start":492.035,"end":492.61502},{"sentences":[{"text":"Precisely.","start":492.365,"end":492.865,"sentiment":"neutral","sentiment_score":0.14219443500041962}],"sentiment":"neutral","sentiment_score":0.14219443500041962,"channel":1,"num_words":1,"start":492.365,"end":492.865},{"sentences":[{"text":"meeting clients.","start":492.83502,"end":493.89502,"sentiment":"neutral","sentiment_score":0.1151981204748154},{"text":"Yep.","start":494.11502,"end":494.61502,"sentiment":"neutral","sentiment_score":0.05788722634315491}],"sentiment":"neutral","sentiment_score":0.09609448909759523,"channel":0,"num_words":3,"start":492.83502,"end":494.61502},{"sentences":[{"text":"Yeah.","start":494.525,"end":494.76498,"sentiment":"neutral","sentiment_score":0.05053368955850601},{"text":"Yeah.","start":494.76498,"end":495.165,"sentiment":"neutral","sentiment_score":0.039477188140153885},{"text":"BDM.","start":495.165,"end":495.665,"sentiment":"neutral","sentiment_score":0.016576465219259262},{"text":"So well, on I'm not on the road so much now, to be honest.","start":495.805,"end":499.165,"sentiment":"neutral","sentiment_score":-0.006139953687254872},{"text":"It's more I work from home four days a week.","start":499.165,"end":502.08,"sentiment":"neutral","sentiment_score":0.031048794835805894}],"sentiment":"neutral","sentiment_score":0.0122635533205337,"channel":1,"num_words":27,"start":494.525,"end":502.08},{"sentences":[{"text":"So I do primarily Teams meetings because we're aligned with Telstra and they've obviously got, like, a national presence.","start":503.12,"end":509.91998,"sentiment":"neutral","sentiment_score":0.08564201526735958},{"text":"So we yeah.","start":509.91998,"end":512.0,"sentiment":"neutral","sentiment_score":0.03407257795333862},{"text":"I generally do most of my meetings from home.","start":512.0,"end":513.92,"sentiment":"neutral","sentiment_score":0.07058198915587531},{"text":"I'm not driving too much anymore.","start":513.92,"end":515.62,"sentiment":"neutral","sentiment_score":-0.04081773074964682}],"sentiment":"neutral","sentiment_score":0.057290474103914725,"channel":1,"num_words":37,"start":503.12,"end":515.62},{"sentences":[{"text":"Perfect.","start":516.675,"end":517.155,"sentiment":"positive","sentiment_score":0.4289171695709229},{"text":"And do you work five days, or is it just before from home?","start":517.155,"end":520.375,"sentiment":"neutral","sentiment_score":0.08506784416162051}],"sentiment":"neutral","sentiment_score":0.10962851026228496,"channel":0,"num_words":14,"start":516.675,"end":520.375},{"sentences":[{"text":"Four from home and","start":521.555,"end":523.715,"sentiment":"neutral","sentiment_score":0.16820058599114418}],"sentiment":"neutral","sentiment_score":0.16820058599114418,"channel":1,"num_words":4,"start":521.555,"end":523.715},{"sentences":[{"text":"Amazing.","start":523.49,"end":523.97,"sentiment":"positive","sentiment_score":0.41605767607688904}],"sentiment":"positive","sentiment_score":0.41605767607688904,"channel":0,"num_words":1,"start":523.49,"end":523.97},{"sentences":[{"text":"then one","start":523.715,"end":524.195,"sentiment":"neutral","sentiment_score":0.25596626102924347}],"sentiment":"neutral","sentiment_score":0.25596626102924347,"channel":1,"num_words":2,"start":523.715,"end":524.195},{"sentences":[{"text":"Okay.","start":523.97,"end":524.20996,"sentiment":"neutral","sentiment_score":0.2551438510417938}],"sentiment":"neutral","sentiment_score":0.2551438510417938,"channel":0,"num_words":1,"start":523.97,"end":524.20996},{"sentences":[{"text":"from","start":524.195,"end":524.435,"sentiment":"neutral","sentiment_score":0.2408035695552826}],"sentiment":"neutral","sentiment_score":0.2408035695552826,"channel":1,"num_words":1,"start":524.195,"end":524.435},{"sentences":[{"text":"That'll","start":524.20996,"end":524.52997,"sentiment":"positive","sentiment_score":0.3768520951271057}],"sentiment":"positive","sentiment_score":0.3768520951271057,"channel":0,"num_words":1,"start":524.20996,"end":524.52997},{"sentences":[{"text":"the","start":524.435,"end":524.595,"sentiment":"positive","sentiment_score":0.3785236775875091}],"sentiment":"positive","sentiment_score":0.3785236775875091,"channel":1,"num_words":1,"start":524.435,"end":524.595},{"sentences":[{"text":"make","start":524.52997,"end":524.77,"sentiment":"positive","sentiment_score":0.3991486728191376}],"sentiment":"positive","sentiment_score":0.3991486728191376,"channel":0,"num_words":1,"start":524.52997,"end":524.77},{"sentences":[{"text":"office,","start":524.595,"end":524.995,"sentiment":"positive","sentiment_score":0.4267776608467102}],"sentiment":"positive","sentiment_score":0.4267776608467102,"channel":1,"num_words":1,"start":524.595,"end":524.995},{"sentences":[{"text":"it pretty","start":524.77,"end":525.08997,"sentiment":"positive","sentiment_score":0.5170438885688782}],"sentiment":"positive","sentiment_score":0.5170438885688782,"channel":0,"num_words":2,"start":524.77,"end":525.08997},{"sentences":[{"text":"one","start":524.995,"end":525.235,"sentiment":"positive","sentiment_score":0.4612787961959839}],"sentiment":"positive","sentiment_score":0.4612787961959839,"channel":1,"num_words":1,"start":524.995,"end":525.235},{"sentences":[{"text":"good.","start":525.08997,"end":525.58997,"sentiment":"positive","sentiment_score":0.38577163219451904}],"sentiment":"positive","sentiment_score":0.38577163219451904,"channel":0,"num_words":1,"start":525.08997,"end":525.58997},{"sentences":[{"text":"from Brisbane.","start":525.235,"end":525.895,"sentiment":"neutral","sentiment_score":0.12855039164423943}],"sentiment":"neutral","sentiment_score":0.12855039164423943,"channel":1,"num_words":2,"start":525.235,"end":525.895},{"sentences":[{"text":"Now I know that there's probably not too much in the way of qualifications that would match for your role, But did you have to put in did you have to get any kind of degrees or specific qualifications for your role?","start":527.41,"end":539.785,"sentiment":"neutral","sentiment_score":-0.00006475610037644696}],"sentiment":"neutral","sentiment_score":-0.00006475610037644696,"channel":0,"num_words":42,"start":527.41,"end":539.785},{"sentences":[{"text":"No.","start":539.41,"end":539.91,"sentiment":"neutral","sentiment_score":-0.10629889369010924},{"text":"No.","start":539.97,"end":540.29,"sentiment":"neutral","sentiment_score":-0.11706550419330596},{"text":"I'll just be able to chat.","start":540.29,"end":541.67,"sentiment":"neutral","sentiment_score":-0.0871893676618735}],"sentiment":"neutral","sentiment_score":-0.09331257548183203,"channel":1,"num_words":8,"start":539.41,"end":541.67},{"sentences":[{"text":"That's it.","start":542.805,"end":543.70496,"sentiment":"neutral","sentiment_score":-0.051634203642606735},{"text":"Be a good talker.","start":543.845,"end":544.82495,"sentiment":"neutral","sentiment_score":0.08496986329555511}],"sentiment":"neutral","sentiment_score":0.03943517431616783,"channel":0,"num_words":6,"start":542.805,"end":544.82495},{"sentences":[{"text":"Yeah.","start":545.17,"end":545.49,"sentiment":"neutral","sentiment_score":0.015245163813233376},{"text":"That's it.","start":545.49,"end":546.39,"sentiment":"neutral","sentiment_score":0.00837810430675745}],"sentiment":"neutral","sentiment_score":0.010667124142249426,"channel":1,"num_words":3,"start":545.17,"end":546.39},{"sentences":[{"text":"Do you have any staff under you in terms of managing staff?","start":546.165,"end":550.19,"sentiment":"neutral","sentiment_score":-0.010867308980474869}],"sentiment":"neutral","sentiment_score":-0.010867308980474869,"channel":0,"num_words":12,"start":546.165,"end":550.19},{"sentences":[{"text":"No.","start":550.685,"end":551.185,"sentiment":"neutral","sentiment_score":-0.06741963326931},{"text":"Hell","start":552.125,"end":552.525,"sentiment":"neutral","sentiment_score":-0.002595372498035431}],"sentiment":"neutral","sentiment_score":-0.035007502883672714,"channel":1,"num_words":2,"start":550.685,"end":552.525},{"sentences":[{"text":"Perfect.","start":552.33,"end":552.83,"sentiment":"neutral","sentiment_score":0.03855691850185394}],"sentiment":"neutral","sentiment_score":0.03855691850185394,"channel":0,"num_words":1,"start":552.33,"end":552.83},{"sentences":[{"text":"no.","start":552.525,"end":553.025,"sentiment":"neutral","sentiment_score":-0.03048510104417801}],"sentiment":"neutral","sentiment_score":-0.03048510104417801,"channel":1,"num_words":1,"start":552.525,"end":553.025},{"sentences":[{"text":"Alright.","start":552.97003,"end":553.47003,"sentiment":"neutral","sentiment_score":0.054898329079151154},{"text":"So based on that being kind of office space, so to speak, and a 140,000, you're probably looking at a double a occupation rating, which is the second best outside of, like, a lawyer.","start":553.93,"end":566.445,"sentiment":"neutral","sentiment_score":0.09319732403930496},{"text":"So that should","start":566.825,"end":567.465,"sentiment":"neutral","sentiment_score":0.2791081021229426}],"sentiment":"neutral","sentiment_score":0.10686662244169336,"channel":0,"num_words":38,"start":552.97003,"end":567.465},{"sentences":[{"text":"Yep.","start":567.23,"end":567.73,"sentiment":"neutral","sentiment_score":0.2833843231201172}],"sentiment":"neutral","sentiment_score":0.2833843231201172,"channel":1,"num_words":1,"start":567.23,"end":567.73},{"sentences":[{"text":"be quite quite affordable.","start":567.465,"end":569.085,"sentiment":"neutral","sentiment_score":0.3063282370567322},{"text":"Now I'm gonna do a quote through Tal just to add income protection on.","start":571.225,"end":575.76,"sentiment":"neutral","sentiment_score":0.16127966237919672},{"text":"Obviously, you will go through that underwriting check for occupation and medical.","start":575.92,"end":581.7,"sentiment":"neutral","sentiment_score":0.11513317314287026},{"text":"Did you want me to look at if there's any other providers to offer all three at, like, a cheaper price, or you're happy just to kind of add on the one policy and just go with TAO still?","start":582.08,"end":591.735,"sentiment":"neutral","sentiment_score":0.11953342228363721}],"sentiment":"neutral","sentiment_score":0.13806709809147794,"channel":0,"num_words":69,"start":567.465,"end":591.735},{"sentences":[{"text":"I mean, yeah, I guess it makes sense to look at all the options.","start":592.6,"end":597.57996,"sentiment":"neutral","sentiment_score":0.06764217359679085}],"sentiment":"neutral","sentiment_score":0.06764217359679085,"channel":1,"num_words":14,"start":592.6,"end":597.57996},{"sentences":[{"text":"Yep.","start":599.495,"end":599.995,"sentiment":"neutral","sentiment_score":0.09766313433647156},{"text":"Now one thing I'm just having a look at with your current policy through Tout is I mentioned before","start":601.415,"end":609.93,"sentiment":"neutral","sentiment_score":0.05874763723266752}],"sentiment":"neutral","sentiment_score":0.06069341208785772,"channel":0,"num_words":20,"start":599.495,"end":609.93},{"sentences":[{"text":"Yeah.","start":611.175,"end":611.675,"sentiment":"neutral","sentiment_score":0.042483583092689514}],"sentiment":"neutral","sentiment_score":0.042483583092689514,"channel":1,"num_words":1,"start":611.175,"end":611.675},{"sentences":[{"text":"and you had that in place.","start":611.20996,"end":612.89,"sentiment":"neutral","sentiment_score":0.042929683501521744},{"text":"I'm just trying to look.","start":612.89,"end":614.08997,"sentiment":"neutral","sentiment_score":0.046644747257232666},{"text":"Your commencement date was 2021.","start":614.08997,"end":616.58997,"sentiment":"neutral","sentiment_score":0.05206690207123756},{"text":"So I'm just wondering if you've had any health concerns between October","start":616.73,"end":622.09503,"sentiment":"neutral","sentiment_score":0.012750561504314343}],"sentiment":"neutral","sentiment_score":0.03229082448940192,"channel":0,"num_words":28,"start":611.20996,"end":622.09503},{"sentences":[{"text":"No.","start":621.85,"end":622.35,"sentiment":"neutral","sentiment_score":-0.005105684511363506}],"sentiment":"neutral","sentiment_score":-0.005105684511363506,"channel":1,"num_words":1,"start":621.85,"end":622.35},{"sentences":[{"text":"2020","start":622.09503,"end":622.815,"sentiment":"neutral","sentiment_score":0.003981899470090866}],"sentiment":"neutral","sentiment_score":0.003981899470090866,"channel":0,"num_words":1,"start":622.09503,"end":622.815},{"sentences":[{"text":"Nothing.","start":622.64996,"end":623.14996,"sentiment":"neutral","sentiment_score":-0.0003438051789999008}],"sentiment":"neutral","sentiment_score":-0.0003438051789999008,"channel":1,"num_words":1,"start":622.64996,"end":623.14996},{"sentences":[{"text":"one till now.","start":622.815,"end":623.955,"sentiment":"neutral","sentiment_score":0.01362205483019352}],"sentiment":"neutral","sentiment_score":0.01362205483019352,"channel":0,"num_words":3,"start":622.815,"end":623.955},{"sentences":[{"text":"Nada.","start":624.56995,"end":625.06995,"sentiment":"neutral","sentiment_score":0.08348159492015839}],"sentiment":"neutral","sentiment_score":0.08348159492015839,"channel":1,"num_words":1,"start":624.56995,"end":625.06995},{"sentences":[{"text":"Perfect.","start":626.655,"end":627.155,"sentiment":"neutral","sentiment_score":0.2836436629295349},{"text":"So we'll pretty much try to prefill 90 of an application using what was used for your previous","start":627.29504,"end":634.275,"sentiment":"neutral","sentiment_score":0.1261325404047966}],"sentiment":"neutral","sentiment_score":0.13442259948504598,"channel":0,"num_words":19,"start":626.655,"end":634.275},{"sentences":[{"text":"Yep.","start":634.15497,"end":634.65497,"sentiment":"neutral","sentiment_score":0.0552535317838192}],"sentiment":"neutral","sentiment_score":0.0552535317838192,"channel":1,"num_words":1,"start":634.15497,"end":634.65497},{"sentences":[{"text":"life application.","start":634.335,"end":635.155,"sentiment":"neutral","sentiment_score":0.04911641776561737},{"text":"And","start":635.8,"end":636.3,"sentiment":"neutral","sentiment_score":0.1969977468252182}],"sentiment":"neutral","sentiment_score":0.09841019411881764,"channel":0,"num_words":3,"start":634.335,"end":636.3},{"sentences":[{"text":"Perfect.","start":636.235,"end":636.735,"sentiment":"positive","sentiment_score":0.5327972769737244}],"sentiment":"positive","sentiment_score":0.5327972769737244,"channel":1,"num_words":1,"start":636.235,"end":636.735},{"sentences":[{"text":"if that's all good","start":637.72003,"end":638.60004,"sentiment":"positive","sentiment_score":0.38961560279130936}],"sentiment":"positive","sentiment_score":0.38961560279130936,"channel":0,"num_words":4,"start":637.72003,"end":638.60004},{"sentences":[{"text":"Yeah.","start":638.475,"end":638.955,"sentiment":"neutral","sentiment_score":0.21676811575889587}],"sentiment":"neutral","sentiment_score":0.21676811575889587,"channel":1,"num_words":1,"start":638.475,"end":638.955},{"sentences":[{"text":"for you,","start":638.60004,"end":639.0,"sentiment":"neutral","sentiment_score":0.09256971254944801}],"sentiment":"neutral","sentiment_score":0.09256971254944801,"channel":0,"num_words":2,"start":638.60004,"end":639.0},{"sentences":[{"text":"No","start":638.955,"end":639.27496,"sentiment":"neutral","sentiment_score":-0.0802806094288826}],"sentiment":"neutral","sentiment_score":-0.0802806094288826,"channel":1,"num_words":1,"start":638.955,"end":639.27496},{"sentences":[{"text":"we can just","start":639.0,"end":639.74,"sentiment":"neutral","sentiment_score":-0.0746777318418026}],"sentiment":"neutral","sentiment_score":-0.0746777318418026,"channel":0,"num_words":3,"start":639.0,"end":639.74},{"sentences":[{"text":"no changes.","start":639.27496,"end":640.255,"sentiment":"neutral","sentiment_score":-0.14958715438842773}],"sentiment":"neutral","sentiment_score":-0.14958715438842773,"channel":1,"num_words":2,"start":639.27496,"end":640.255},{"sentences":[{"text":"give that","start":639.96,"end":640.62,"sentiment":"neutral","sentiment_score":-0.06406831741333008}],"sentiment":"neutral","sentiment_score":-0.06406831741333008,"channel":0,"num_words":2,"start":639.96,"end":640.62},{"sentences":[{"text":"Didn't start smoking.","start":640.635,"end":642.015,"sentiment":"neutral","sentiment_score":-0.16482576231161752},{"text":"Didn't start any of that shit.","start":642.075,"end":643.435,"sentiment":"neutral","sentiment_score":-0.22494557996590933},{"text":"So it should all still be very much current.","start":643.435,"end":645.855,"sentiment":"neutral","sentiment_score":0.005085116459263695}],"sentiment":"neutral","sentiment_score":-0.09991026214427418,"channel":1,"num_words":18,"start":640.635,"end":645.855},{"sentences":[{"text":"sensational.","start":647.64,"end":648.14,"sentiment":"neutral","sentiment_score":0.3088899552822113},{"text":"So that's nice and easy.","start":648.795,"end":650.175,"sentiment":"positive","sentiment_score":0.5244933724403381},{"text":"What about with the cover amounts for the life and CBD?","start":650.39496,"end":653.27496,"sentiment":"neutral","sentiment_score":0.030058401721444996},{"text":"I know you've still got, well, previously, well over 1,000,000 worth of debt in terms of the home and the investment property.","start":653.27496,"end":660.555,"sentiment":"neutral","sentiment_score":-0.026181170081889086},{"text":"Is that still the case?","start":660.555,"end":661.695,"sentiment":"neutral","sentiment_score":-0.032294634357094766}],"sentiment":"neutral","sentiment_score":0.05737591642801734,"channel":0,"num_words":44,"start":647.64,"end":661.695},{"sentences":[{"text":"Oh, yeah.","start":663.22504,"end":663.86505,"sentiment":"neutral","sentiment_score":-0.03392780851572752},{"text":"Probably.","start":663.86505,"end":664.36505,"sentiment":"neutral","sentiment_score":-0.03847234696149826},{"text":"Let me think.","start":666.185,"end":667.245,"sentiment":"neutral","sentiment_score":-0.03607363378008207},{"text":"Oh, blah blah blah blah.","start":668.98505,"end":670.025,"sentiment":"neutral","sentiment_score":-0.0920290321111679},{"text":"Fuck.","start":670.025,"end":670.34503,"sentiment":"neutral","sentiment_score":-0.33033472299575806}],"sentiment":"neutral","sentiment_score":-0.08375239574039976,"channel":1,"num_words":12,"start":663.22504,"end":670.34503},{"sentences":[{"text":"I could probably check on HSBC.","start":670.34503,"end":672.445,"sentiment":"neutral","sentiment_score":-0.09511764099200566}],"sentiment":"neutral","sentiment_score":-0.09511764099200566,"channel":1,"num_words":6,"start":670.34503,"end":672.445},{"sentences":[{"text":"So I think we had about 750,000 owing on the home, $6.40 owing on the investment property approximately.","start":672.57,"end":680.055,"sentiment":"neutral","sentiment_score":-0.052033544414573245}],"sentiment":"neutral","sentiment_score":-0.052033544414573245,"channel":0,"num_words":18,"start":672.57,"end":680.055},{"sentences":[{"text":"Yeah.","start":681.17,"end":681.65,"sentiment":"neutral","sentiment_score":-0.018142687156796455},{"text":"It would be around that because we did do an equity release to do some work at home.","start":681.65,"end":687.91,"sentiment":"neutral","sentiment_score":-0.034438398459719285},{"text":"I'm just gonna jump into HSBC and check.","start":688.825,"end":692.605,"sentiment":"neutral","sentiment_score":-0.03796759806573391}],"sentiment":"neutral","sentiment_score":-0.03488054236880055,"channel":1,"num_words":27,"start":681.17,"end":692.605},{"sentences":[{"text":"Thank you.","start":696.18,"end":696.83997,"sentiment":"neutral","sentiment_score":-0.04965490102767944}],"sentiment":"neutral","sentiment_score":-0.04965490102767944,"channel":0,"num_words":2,"start":696.18,"end":696.83997},{"sentences":[{"text":"It feels fucking let me log in.","start":704.52,"end":706.78,"sentiment":"negative","sentiment_score":-0.48191344312259127},{"text":"Yeah.","start":707.32,"end":707.82,"sentiment":"neutral","sentiment_score":-0.1833665370941162}],"sentiment":"negative","sentiment_score":-0.4445950798690319,"channel":1,"num_words":8,"start":704.52,"end":707.82},{"sentences":[{"text":"Away is the one.","start":708.27496,"end":709.33496,"sentiment":"neutral","sentiment_score":-0.23689475655555725}],"sentiment":"neutral","sentiment_score":-0.23689475655555725,"channel":0,"num_words":4,"start":708.27496,"end":709.33496},{"sentences":[{"text":"I I actually detest HSBC.","start":710.92004,"end":712.78,"sentiment":"negative","sentiment_score":-0.3852297902107239},{"text":"Their online banking is bullshit, and they've blocked me out the app.","start":713.08,"end":717.015,"sentiment":"negative","sentiment_score":-0.4586389809846878},{"text":"So I have to log in via a browser, which is fucking","start":717.015,"end":719.97504,"sentiment":"neutral","sentiment_score":-0.26513557508587837}],"sentiment":"negative","sentiment_score":-0.3659118491000143,"channel":1,"num_words":29,"start":710.92004,"end":719.97504},{"sentences":[{"text":"Oh,","start":719.64,"end":720.14,"sentiment":"negative","sentiment_score":-0.3726458847522736}],"sentiment":"negative","sentiment_score":-0.3726458847522736,"channel":0,"num_words":1,"start":719.64,"end":720.14},{"sentences":[{"text":"ridiculous.","start":719.97504,"end":720.47504,"sentiment":"neutral","sentiment_score":-0.3061414957046509},{"text":"Yeah.","start":721.575,"end":721.815,"sentiment":"neutral","sentiment_score":-0.14194756746292114},{"text":"No.","start":721.815,"end":721.97504,"sentiment":"neutral","sentiment_score":-0.21317389607429504},{"text":"It's a bollock.","start":721.97504,"end":722.85504,"sentiment":"neutral","sentiment_score":-0.24938245117664337},{"text":"Okay.","start":722.85504,"end":723.255,"sentiment":"neutral","sentiment_score":-0.07480296492576599}],"sentiment":"neutral","sentiment_score":-0.212030468242509,"channel":1,"num_words":7,"start":719.97504,"end":723.255},{"sentences":[{"text":"So one","start":723.255,"end":724.235,"sentiment":"neutral","sentiment_score":-0.06464708223938942}],"sentiment":"neutral","sentiment_score":-0.06464708223938942,"channel":1,"num_words":2,"start":723.255,"end":724.235},{"sentences":[{"text":"no.","start":725.6475,"end":726.1475,"sentiment":"neutral","sentiment_score":-0.08076010644435883}],"sentiment":"neutral","sentiment_score":-0.08076010644435883,"channel":0,"num_words":1,"start":725.6475,"end":726.1475},{"sentences":[{"text":"48.","start":726.375,"end":727.755,"sentiment":"neutral","sentiment_score":-0.060671232640743256},{"text":"Let me scroll down.","start":728.935,"end":730.47504,"sentiment":"neutral","sentiment_score":-0.05657134111970663},{"text":"Alright.","start":733.59,"end":734.07,"sentiment":"neutral","sentiment_score":-0.03299000859260559},{"text":"148735.","start":734.07,"end":736.71,"sentiment":"neutral","sentiment_score":-0.03045731782913208},{"text":"That's not 8.","start":736.71,"end":737.69,"sentiment":"neutral","sentiment_score":-0.08615711083014806}],"sentiment":"neutral","sentiment_score":-0.06088752560317516,"channel":1,"num_words":10,"start":726.375,"end":737.69},{"sentences":[{"text":"788.","start":737.83,"end":739.21,"sentiment":"neutral","sentiment_score":-0.06746187061071396},{"text":"And investment.","start":742.71,"end":743.45,"sentiment":"neutral","sentiment_score":-0.06585516780614853},{"text":"Fuck.","start":747.765,"end":748.265,"sentiment":"neutral","sentiment_score":-0.29128119349479675},{"text":"It doesn't like me.","start":749.405,"end":752.185,"sentiment":"neutral","sentiment_score":-0.25107060745358467},{"text":"I'm scrolling on the browser, which is","start":752.565,"end":756.585,"sentiment":"neutral","sentiment_score":-0.10816081932612828}],"sentiment":"neutral","sentiment_score":-0.15012410432100295,"channel":1,"num_words":15,"start":737.83,"end":756.585},{"sentences":[{"text":"Yeah.","start":756.24,"end":756.74,"sentiment":"neutral","sentiment_score":-0.0848512202501297},{"text":"I","start":756.8,"end":756.95996,"sentiment":"neutral","sentiment_score":-0.2192306816577911}],"sentiment":"neutral","sentiment_score":-0.15204095095396042,"channel":0,"num_words":2,"start":756.24,"end":756.95996},{"sentences":[{"text":"super","start":756.805,"end":757.125,"sentiment":"neutral","sentiment_score":-0.22557541728019712}],"sentiment":"neutral","sentiment_score":-0.22557541728019712,"channel":1,"num_words":1,"start":756.805,"end":757.125},{"sentences":[{"text":"think","start":756.95996,"end":757.19995,"sentiment":"neutral","sentiment_score":-0.2622848451137543}],"sentiment":"neutral","sentiment_score":-0.2622848451137543,"channel":0,"num_words":1,"start":756.95996,"end":757.19995},{"sentences":[{"text":"annoying.","start":757.125,"end":757.625,"sentiment":"neutral","sentiment_score":-0.21740451455116272}],"sentiment":"neutral","sentiment_score":-0.21740451455116272,"channel":1,"num_words":1,"start":757.125,"end":757.625},{"sentences":[{"text":"the only two that I found that are good is, like, Commonwealth and NAB have some pretty decent apps, but most banks","start":757.19995,"end":763.495,"sentiment":"neutral","sentiment_score":-0.11462294581261548}],"sentiment":"neutral","sentiment_score":-0.11462294581261548,"channel":0,"num_words":22,"start":757.19995,"end":763.495},{"sentences":[{"text":"Yeah.","start":763.24005,"end":763.74005,"sentiment":"neutral","sentiment_score":-0.27840226888656616}],"sentiment":"neutral","sentiment_score":-0.27840226888656616,"channel":1,"num_words":1,"start":763.24005,"end":763.74005},{"sentences":[{"text":"are pretty terrible for it.","start":763.495,"end":765.035,"sentiment":"negative","sentiment_score":-0.3794002890586853}],"sentiment":"negative","sentiment_score":-0.3794002890586853,"channel":0,"num_words":5,"start":763.495,"end":765.035},{"sentences":[{"text":"Yeah.","start":765.32,"end":765.72003,"sentiment":"neutral","sentiment_score":-0.049110881984233856},{"text":"So yeah.","start":765.72003,"end":766.36005,"sentiment":"neutral","sentiment_score":-0.033934460952878},{"text":"1.33.","start":766.36005,"end":769.66003,"sentiment":"neutral","sentiment_score":-0.020106103271245956},{"text":"Yeah.","start":769.96,"end":770.36005,"sentiment":"neutral","sentiment_score":-0.02151051908731461},{"text":"Probably about, like, 1.45 ish","start":770.36005,"end":773.175,"sentiment":"neutral","sentiment_score":-0.02877376265823841}],"sentiment":"neutral","sentiment_score":-0.030246523953974248,"channel":1,"num_words":10,"start":765.32,"end":773.175},{"sentences":[{"text":"Combined for all","start":775.83,"end":777.03,"sentiment":"neutral","sentiment_score":-0.03765140970547994}],"sentiment":"neutral","sentiment_score":-0.03765140970547994,"channel":0,"num_words":3,"start":775.83,"end":777.03},{"sentences":[{"text":"going.","start":776.935,"end":777.255,"sentiment":"neutral","sentiment_score":-0.04610128700733185}],"sentiment":"neutral","sentiment_score":-0.04610128700733185,"channel":1,"num_words":1,"start":776.935,"end":777.255},{"sentences":[{"text":"all","start":777.03,"end":777.43,"sentiment":"neutral","sentiment_score":-0.01777680218219757}],"sentiment":"neutral","sentiment_score":-0.01777680218219757,"channel":0,"num_words":1,"start":777.03,"end":777.43},{"sentences":[{"text":"Yeah.","start":777.255,"end":777.495,"sentiment":"neutral","sentiment_score":-0.015016666613519192}],"sentiment":"neutral","sentiment_score":-0.015016666613519192,"channel":1,"num_words":1,"start":777.255,"end":777.495},{"sentences":[{"text":"loans.","start":777.43,"end":777.93,"sentiment":"neutral","sentiment_score":-0.01687571406364441}],"sentiment":"neutral","sentiment_score":-0.01687571406364441,"channel":0,"num_words":1,"start":777.43,"end":777.93},{"sentences":[{"text":"For everything.","start":777.495,"end":778.235,"sentiment":"neutral","sentiment_score":-0.007768890354782342}],"sentiment":"neutral","sentiment_score":-0.007768890354782342,"channel":1,"num_words":2,"start":777.495,"end":778.235},{"sentences":[{"text":"Yep.","start":779.91003,"end":780.41003,"sentiment":"neutral","sentiment_score":0.03984377533197403},{"text":"Perfect.","start":780.79004,"end":781.29004,"sentiment":"neutral","sentiment_score":0.13184617459774017},{"text":"You've never gone through, like, a bankruptcy or a debt agreement before, have you?","start":782.23004,"end":785.625,"sentiment":"neutral","sentiment_score":-0.0063944533467292786}],"sentiment":"neutral","sentiment_score":0.005135475192219019,"channel":0,"num_words":16,"start":779.91003,"end":785.625},{"sentences":[{"text":"No.","start":786.295,"end":786.75,"sentiment":"neutral","sentiment_score":-0.0273298230022192}],"sentiment":"neutral","sentiment_score":-0.0273298230022192,"channel":1,"num_words":1,"start":786.295,"end":786.75},{"sentences":[{"text":"Perfect.","start":788.185,"end":788.685,"sentiment":"neutral","sentiment_score":0.02937624230980873},{"text":"Do you want me to do any alteration for that cover amount for the 1.2 mil?","start":791.385,"end":795.465,"sentiment":"neutral","sentiment_score":-0.00392856088001281},{"text":"Do you think because that obviously covers your your main residence mortgage pretty solid, leaves you another half a mil plus super on top.","start":795.465,"end":804.22003,"sentiment":"neutral","sentiment_score":0.02372026559896767},{"text":"And if you're temporarily out of work for a long period of time, income protection can kick in as well.","start":804.28,"end":810.94,"sentiment":"neutral","sentiment_score":-0.1532047713175416}],"sentiment":"neutral","sentiment_score":-0.04144737350403285,"channel":0,"num_words":61,"start":788.185,"end":810.94},{"sentences":[{"text":"Yeah.","start":812.005,"end":812.405,"sentiment":"neutral","sentiment_score":0.0015642009675502775},{"text":"So would you say it's it's it's okay","start":812.405,"end":816.9425,"sentiment":"neutral","sentiment_score":0.039417681749910116}],"sentiment":"neutral","sentiment_score":0.035211739440759025,"channel":1,"num_words":9,"start":812.005,"end":816.9425},{"sentences":[{"text":"Yeah.","start":816.795,"end":817.195,"sentiment":"neutral","sentiment_score":0.06919796764850616},{"text":"Because it's kind of matching, like,","start":817.195,"end":819.195,"sentiment":"neutral","sentiment_score":0.03468306797246138}],"sentiment":"neutral","sentiment_score":0.03961376792618206,"channel":0,"num_words":7,"start":816.795,"end":819.195},{"sentences":[{"text":"where","start":819.075,"end":819.575,"sentiment":"neutral","sentiment_score":0.012208804488182068}],"sentiment":"neutral","sentiment_score":0.012208804488182068,"channel":1,"num_words":1,"start":819.075,"end":819.575},{"sentences":[{"text":"you haven't had a significant drop in liabilities.","start":819.195,"end":821.455,"sentiment":"neutral","sentiment_score":-0.006275772815570235},{"text":"Normally,","start":821.595,"end":822.095,"sentiment":"neutral","sentiment_score":0.002621519146487117}],"sentiment":"neutral","sentiment_score":-0.005287184819786085,"channel":0,"num_words":9,"start":819.195,"end":822.095},{"sentences":[{"text":"it","start":821.7075,"end":822.2075,"sentiment":"neutral","sentiment_score":0.005318574607372284}],"sentiment":"neutral","sentiment_score":0.005318574607372284,"channel":1,"num_words":1,"start":821.7075,"end":822.2075},{"sentences":[{"text":"if you're getting into your forties and","start":822.635,"end":824.555,"sentiment":"neutral","sentiment_score":-0.0017010786894908444}],"sentiment":"neutral","sentiment_score":-0.0017010786894908444,"channel":0,"num_words":7,"start":822.635,"end":824.555},{"sentences":[{"text":"is?","start":824.33997,"end":824.83997,"sentiment":"neutral","sentiment_score":0.004583844915032387}],"sentiment":"neutral","sentiment_score":0.004583844915032387,"channel":1,"num_words":1,"start":824.33997,"end":824.83997},{"sentences":[{"text":"the policy starts getting up to 3 or $4,","start":824.555,"end":827.34,"sentiment":"neutral","sentiment_score":0.0011915584198302692}],"sentiment":"neutral","sentiment_score":0.0011915584198302692,"channel":0,"num_words":9,"start":824.555,"end":827.34},{"sentences":[{"text":"Yep.","start":826.9725,"end":827.4725,"sentiment":"neutral","sentiment_score":0.07359530031681061}],"sentiment":"neutral","sentiment_score":0.07359530031681061,"channel":1,"num_words":1,"start":826.9725,"end":827.4725},{"sentences":[{"text":"we'd probably trim it down as you pay down the debts.","start":827.34,"end":829.84,"sentiment":"neutral","sentiment_score":0.03529272363944487},{"text":"But","start":829.98,"end":830.22003,"sentiment":"neutral","sentiment_score":0.06139053404331207}],"sentiment":"neutral","sentiment_score":0.03746754117310047,"channel":0,"num_words":12,"start":827.34,"end":830.22003},{"sentences":[{"text":"Yeah.","start":830.165,"end":830.665,"sentiment":"neutral","sentiment_score":0.06722592562437057}],"sentiment":"neutral","sentiment_score":0.06722592562437057,"channel":1,"num_words":1,"start":830.165,"end":830.665},{"sentences":[{"text":"if that's still pretty stable, I would probably","start":830.22003,"end":832.3,"sentiment":"neutral","sentiment_score":0.14436041750013828}],"sentiment":"neutral","sentiment_score":0.14436041750013828,"channel":0,"num_words":8,"start":830.22003,"end":832.3},{"sentences":[{"text":"Yeah.","start":832.045,"end":832.545,"sentiment":"neutral","sentiment_score":0.08205464482307434}],"sentiment":"neutral","sentiment_score":0.08205464482307434,"channel":1,"num_words":1,"start":832.045,"end":832.545},{"sentences":[{"text":"keep it around the same.","start":832.3,"end":833.6,"sentiment":"neutral","sentiment_score":0.06980481371283531}],"sentiment":"neutral","sentiment_score":0.06980481371283531,"channel":0,"num_words":5,"start":832.3,"end":833.6},{"sentences":[{"text":"Alright.","start":833.925,"end":834.425,"sentiment":"neutral","sentiment_score":0.20952419936656952},{"text":"Sweetheart, let's do that then.","start":834.485,"end":836.26495,"sentiment":"neutral","sentiment_score":0.24015864431858064}],"sentiment":"neutral","sentiment_score":0.23505290349324545,"channel":1,"num_words":6,"start":833.925,"end":836.26495},{"sentences":[{"text":"Yep.","start":836.14,"end":836.64,"sentiment":"neutral","sentiment_score":0.10222218930721284},{"text":"We've got just the other assets.","start":837.58,"end":839.42,"sentiment":"neutral","sentiment_score":0.05018812914689382},{"text":"I think you had a car there with about the GLC.","start":839.42,"end":842.64496,"sentiment":"neutral","sentiment_score":0.03375448337332769},{"text":"I think you got 68,000 on the car loan.","start":843.02496,"end":845.605,"sentiment":"neutral","sentiment_score":0.03271559439599514}],"sentiment":"neutral","sentiment_score":0.03959594929107913,"channel":0,"num_words":27,"start":836.14,"end":845.605},{"sentences":[{"text":"Yeah.","start":846.30005,"end":846.54004,"sentiment":"neutral","sentiment_score":0.00041779130697250366},{"text":"I don't I'm I paid that out, but I still have the car.","start":846.54004,"end":852.24005,"sentiment":"neutral","sentiment_score":-0.0035287717070717076}],"sentiment":"neutral","sentiment_score":-0.003246874348925693,"channel":1,"num_words":14,"start":846.30005,"end":852.24005},{"sentences":[{"text":"Yep.","start":853.345,"end":853.82495,"sentiment":"neutral","sentiment_score":0.14151552319526672},{"text":"Perfect.","start":853.82495,"end":854.32495,"sentiment":"neutral","sentiment_score":0.32694414258003235},{"text":"And I think the other asset was solar and then your investment account.","start":855.16,"end":859.0,"sentiment":"neutral","sentiment_score":0.12858361980089775},{"text":"There's no other scans or crypto or anything floating around as they can.","start":859.0,"end":863.42,"sentiment":"neutral","sentiment_score":0.019314180916318528}],"sentiment":"neutral","sentiment_score":0.08539753839639681,"channel":0,"num_words":28,"start":853.345,"end":863.42},{"sentences":[{"text":"No.","start":864.325,"end":864.565,"sentiment":"neutral","sentiment_score":-0.05885555222630501},{"text":"It's a Joe question about crypto.","start":864.565,"end":866.485,"sentiment":"neutral","sentiment_score":-0.06552205669383208},{"text":"Probably not.","start":866.485,"end":867.125,"sentiment":"neutral","sentiment_score":-0.17790741473436356},{"text":"I reckon it all tanked.","start":867.125,"end":868.425,"sentiment":"neutral","sentiment_score":-0.2833010256290436},{"text":"I don't think so.","start":869.65,"end":871.25,"sentiment":"neutral","sentiment_score":-0.1964351199567318}],"sentiment":"neutral","sentiment_score":-0.1672249072127872,"channel":1,"num_words":18,"start":864.325,"end":871.25},{"sentences":[{"text":"No.","start":871.25,"end":871.57,"sentiment":"neutral","sentiment_score":-0.15346425771713257},{"text":"I think that's it.","start":871.57,"end":872.87,"sentiment":"neutral","sentiment_score":-0.12825409695506096}],"sentiment":"neutral","sentiment_score":-0.1332961291074753,"channel":1,"num_words":5,"start":871.25,"end":872.87},{"sentences":[{"text":"Perfect.","start":874.375,"end":874.875,"sentiment":"neutral","sentiment_score":0.21876253187656405},{"text":"Alrighty.","start":874.935,"end":875.435,"sentiment":"neutral","sentiment_score":0.15696364641189575},{"text":"So that's pretty much all the details up to date there.","start":875.815,"end":879.03503,"sentiment":"neutral","sentiment_score":0.1530226618051529},{"text":"I've","start":879.6,"end":879.83997,"sentiment":"neutral","sentiment_score":0.10765805095434187}],"sentiment":"neutral","sentiment_score":0.15475953636424883,"channel":0,"num_words":14,"start":874.375,"end":879.83997},{"sentences":[{"text":"Yep.","start":879.65,"end":880.15,"sentiment":"neutral","sentiment_score":0.11020542681217194}],"sentiment":"neutral","sentiment_score":0.11020542681217194,"channel":1,"num_words":1,"start":879.65,"end":880.15},{"sentences":[{"text":"got a pretty solid idea about what to do with the income protection.","start":879.83997,"end":882.74,"sentiment":"neutral","sentiment_score":0.160985831457835},{"text":"I do","start":883.2,"end":883.6,"sentiment":"neutral","sentiment_score":0.07559963315725327}],"sentiment":"neutral","sentiment_score":0.14960100501775742,"channel":0,"num_words":15,"start":879.83997,"end":883.6},{"sentences":[{"text":"Yep.","start":883.57,"end":884.055,"sentiment":"neutral","sentiment_score":0.05111207067966461}],"sentiment":"neutral","sentiment_score":0.05111207067966461,"channel":1,"num_words":1,"start":883.57,"end":884.055},{"sentences":[{"text":"have to ask the question if you wanted me to get you a quote for trauma insurance, which is kind","start":883.6,"end":889.04,"sentiment":"neutral","sentiment_score":0.028571421373635532}],"sentiment":"neutral","sentiment_score":0.028571421373635532,"channel":0,"num_words":20,"start":883.6,"end":889.04},{"sentences":[{"text":"For","start":888.935,"end":889.175,"sentiment":"neutral","sentiment_score":-0.009941928088665009}],"sentiment":"neutral","sentiment_score":-0.009941928088665009,"channel":1,"num_words":1,"start":888.935,"end":889.175},{"sentences":[{"text":"of","start":889.04,"end":889.2,"sentiment":"neutral","sentiment_score":-0.013833824545145037}],"sentiment":"neutral","sentiment_score":-0.013833824545145037,"channel":0,"num_words":1,"start":889.04,"end":889.2},{"sentences":[{"text":"what?","start":889.175,"end":889.675,"sentiment":"neutral","sentiment_score":-0.01333161909133196}],"sentiment":"neutral","sentiment_score":-0.01333161909133196,"channel":1,"num_words":1,"start":889.175,"end":889.675},{"sentences":[{"text":"like a it's called trauma, and it's like a a small lump sum if you have, like, a heart attack, stroke, or cancer to pay for, like, medical bills or your partner taking time off work, but nothing that is causing death or permanent disability.","start":889.2,"end":906.915,"sentiment":"neutral","sentiment_score":-0.044708153439892664}],"sentiment":"neutral","sentiment_score":-0.044708153439892664,"channel":0,"num_words":45,"start":889.2,"end":906.915},{"sentences":[{"text":"No.","start":910.23,"end":910.47003,"sentiment":"neutral","sentiment_score":-0.13616538047790527},{"text":"I don't reckon.","start":910.47003,"end":911.29,"sentiment":"neutral","sentiment_score":-0.11644954234361649}],"sentiment":"neutral","sentiment_score":-0.12137850187718868,"channel":1,"num_words":4,"start":910.23,"end":911.29},{"sentences":[{"text":"Yep.","start":912.44995,"end":912.76996,"sentiment":"neutral","sentiment_score":0.06762684136629105},{"text":"That's totally fine.","start":912.76996,"end":913.99,"sentiment":"neutral","sentiment_score":0.24084640542666116},{"text":"Can I just ask, cash flow wise, how are you guys going with your I know you're doing some equity release and renovations and so on?","start":914.29,"end":921.795,"sentiment":"neutral","sentiment_score":0.060805184193528615},{"text":"Are you guys still","start":921.795,"end":922.595,"sentiment":"neutral","sentiment_score":0.04461632389575243}],"sentiment":"neutral","sentiment_score":0.07498723947826554,"channel":0,"num_words":34,"start":912.44995,"end":922.595},{"sentences":[{"text":"Yep.","start":922.52496,"end":923.02496,"sentiment":"neutral","sentiment_score":0.08138193190097809}],"sentiment":"neutral","sentiment_score":0.08138193190097809,"channel":1,"num_words":1,"start":922.52496,"end":923.02496},{"sentences":[{"text":"able to put aside a decent amount into, like, surplus cash flow, would you say?","start":922.595,"end":927.825,"sentiment":"neutral","sentiment_score":0.10128745386997859}],"sentiment":"neutral","sentiment_score":0.10128745386997859,"channel":0,"num_words":15,"start":922.595,"end":927.825},{"sentences":[{"text":"Yeah.","start":928.01,"end":928.49,"sentiment":"neutral","sentiment_score":0.036019667983055115},{"text":"We put it we just put 500 a fortnight into, like, a offset type thing.","start":928.49,"end":937.15,"sentiment":"neutral","sentiment_score":0.05871180109679699},{"text":"Yes.","start":939.22504,"end":939.465,"sentiment":"neutral","sentiment_score":0.12216154485940932},{"text":"So we've got that.","start":939.465,"end":940.765,"sentiment":"neutral","sentiment_score":0.16291288286447525},{"text":"Obviously, once my kid is out of Kindy, I will be $30 a year, almost better off, so that would be nice.","start":941.705,"end":950.4,"sentiment":"neutral","sentiment_score":0.16355794769796458}],"sentiment":"neutral","sentiment_score":0.12299499093273351,"channel":1,"num_words":43,"start":928.01,"end":950.4},{"sentences":[{"text":"But,","start":951.52,"end":951.76,"sentiment":"neutral","sentiment_score":0.04228515923023224}],"sentiment":"neutral","sentiment_score":0.04228515923023224,"channel":1,"num_words":1,"start":951.52,"end":951.76},{"sentences":[{"text":"Yes.","start":951.635,"end":952.135,"sentiment":"neutral","sentiment_score":0.07215921580791473}],"sentiment":"neutral","sentiment_score":0.07215921580791473,"channel":0,"num_words":1,"start":951.635,"end":952.135},{"sentences":[{"text":"yeah, it's sort of one of those where yeah.","start":951.76,"end":954.4,"sentiment":"neutral","sentiment_score":0.023885300382971764},{"text":"Well, at the moment, yeah, like, our educate our education fees are, like, $35 a year.","start":954.4,"end":959.60004,"sentiment":"neutral","sentiment_score":0.00148400675971061},{"text":"So, like, what sorry.","start":959.60004,"end":960.96,"sentiment":"neutral","sentiment_score":-0.0007420557085424662},{"text":"Vienna's","start":960.96,"end":961.44,"sentiment":"neutral","sentiment_score":0.0037438361905515194}],"sentiment":"neutral","sentiment_score":0.007982914165283243,"channel":1,"num_words":30,"start":951.76,"end":961.44},{"sentences":[{"text":"Yeah.","start":961.235,"end":961.735,"sentiment":"neutral","sentiment_score":0.012596317566931248}],"sentiment":"neutral","sentiment_score":0.012596317566931248,"channel":0,"num_words":1,"start":961.235,"end":961.735},{"sentences":[{"text":"a $20 out of that.","start":961.44,"end":962.88,"sentiment":"neutral","sentiment_score":0.018489299714565276},{"text":"So once she's out of kindy, we'll have and she goes into Lila's private school, which is insane because we save money by putting her in private school, but, like, we'll have an","start":962.88,"end":972.38495,"sentiment":"neutral","sentiment_score":0.097378304933734}],"sentiment":"neutral","sentiment_score":0.08699817266805392,"channel":1,"num_words":38,"start":961.44,"end":972.38495},{"sentences":[{"text":"It's","start":972.38,"end":972.7,"sentiment":"neutral","sentiment_score":-0.09842048585414886}],"sentiment":"neutral","sentiment_score":-0.09842048585414886,"channel":0,"num_words":1,"start":972.38,"end":972.7},{"sentences":[{"text":"extra","start":972.38495,"end":972.785,"sentiment":"neutral","sentiment_score":-0.1715933382511139}],"sentiment":"neutral","sentiment_score":-0.1715933382511139,"channel":1,"num_words":1,"start":972.38495,"end":972.785},{"sentences":[{"text":"crazy,","start":972.7,"end":973.1,"sentiment":"neutral","sentiment_score":-0.1659613698720932}],"sentiment":"neutral","sentiment_score":-0.1659613698720932,"channel":0,"num_words":1,"start":972.7,"end":973.1},{"sentences":[{"text":"maybe","start":972.785,"end":973.285,"sentiment":"neutral","sentiment_score":-0.1450531780719757}],"sentiment":"neutral","sentiment_score":-0.1450531780719757,"channel":1,"num_words":1,"start":972.785,"end":973.285},{"sentences":[{"text":"isn't it?","start":973.1,"end":973.92,"sentiment":"neutral","sentiment_score":-0.11667218059301376}],"sentiment":"neutral","sentiment_score":-0.11667218059301376,"channel":0,"num_words":2,"start":973.1,"end":973.92},{"sentences":[{"text":"if it's a joke.","start":973.425,"end":975.02496,"sentiment":"neutral","sentiment_score":-0.24257906526327133},{"text":"She sits in finger paints and they charge just fucking $25 a year.","start":975.02496,"end":978.81,"sentiment":"neutral","sentiment_score":-0.2853581595879335},{"text":"But","start":979.85,"end":979.97,"sentiment":"neutral","sentiment_score":-0.15740972757339478}],"sentiment":"neutral","sentiment_score":-0.26874344795942307,"channel":1,"num_words":18,"start":973.425,"end":979.97},{"sentences":[{"text":"I've","start":980.065,"end":980.305,"sentiment":"neutral","sentiment_score":-0.15128636360168457}],"sentiment":"neutral","sentiment_score":-0.15128636360168457,"channel":0,"num_words":1,"start":980.065,"end":980.305},{"sentences":[{"text":"yeah.","start":980.09,"end":980.59,"sentiment":"neutral","sentiment_score":-0.13905522227287292}],"sentiment":"neutral","sentiment_score":-0.13905522227287292,"channel":1,"num_words":1,"start":980.09,"end":980.59},{"sentences":[{"text":"got the same thing with the six and three year old.","start":980.305,"end":982.465,"sentiment":"neutral","sentiment_score":-0.19941712780432266},{"text":"It's crazy.","start":982.465,"end":983.205,"sentiment":"neutral","sentiment_score":-0.30184152722358704}],"sentiment":"neutral","sentiment_score":-0.21517472771497873,"channel":0,"num_words":13,"start":980.305,"end":983.205},{"sentences":[{"text":"Oh, it's just insane.","start":982.97,"end":984.67,"sentiment":"neutral","sentiment_score":-0.21308161690831184},{"text":"Like, how how is the private school cheaper than the kindy?","start":984.89,"end":988.09,"sentiment":"neutral","sentiment_score":-0.08988139236515219},{"text":"Like, she literally just stands around and covers herself in sand.","start":988.09,"end":991.47,"sentiment":"neutral","sentiment_score":-0.10408424586057663},{"text":"But yeah.","start":992.605,"end":993.245,"sentiment":"neutral","sentiment_score":0.01752177905291319},{"text":"So once she's, like I think once she's three, she can go into the school's kindy, which I do think is a bit cheaper.","start":993.245,"end":1001.725,"sentiment":"neutral","sentiment_score":0.15988009423017502}],"sentiment":"neutral","sentiment_score":0.01704264099064928,"channel":1,"num_words":52,"start":982.97,"end":1001.725},{"sentences":[{"text":"So we'll have a bit more of a surplus, and then we'll hopefully be able to start putting back into the shared portfolio because that's what we obviously wanna be doing.","start":1001.725,"end":1008.62,"sentiment":"neutral","sentiment_score":0.29447667637178976},{"text":"But, yeah, just for now, we're we're pretty good just with the offset, I think.","start":1009.08,"end":1013.58,"sentiment":"neutral","sentiment_score":0.2636802593866984}],"sentiment":"neutral","sentiment_score":0.2844343664853469,"channel":1,"num_words":46,"start":1001.725,"end":1013.58},{"sentences":[{"text":"Yep.","start":1013.975,"end":1014.475,"sentiment":"neutral","sentiment_score":0.18591539561748505},{"text":"Yep.","start":1014.535,"end":1014.855,"sentiment":"neutral","sentiment_score":0.2855253219604492},{"text":"Amazing.","start":1014.855,"end":1015.335,"sentiment":"positive","sentiment_score":0.5670011639595032},{"text":"So everything is going into offset.","start":1015.335,"end":1016.775,"sentiment":"positive","sentiment_score":0.45497242112954456},{"text":"That's obviously building up equity in there.","start":1016.775,"end":1019.035,"sentiment":"positive","sentiment_score":0.39083689025470186}],"sentiment":"positive","sentiment_score":0.40650841500610113,"channel":0,"num_words":16,"start":1013.975,"end":1019.035},{"sentences":[{"text":"Are you looking to","start":1019.18,"end":1019.98,"sentiment":"neutral","sentiment_score":0.08707455545663834}],"sentiment":"neutral","sentiment_score":0.08707455545663834,"channel":0,"num_words":4,"start":1019.18,"end":1019.98},{"sentences":[{"text":"Yeah.","start":1019.80005,"end":1020.165,"sentiment":"neutral","sentiment_score":0.08741943538188934}],"sentiment":"neutral","sentiment_score":0.08741943538188934,"channel":1,"num_words":1,"start":1019.80005,"end":1020.165},{"sentences":[{"text":"kind of invest that for more properties down the line or just get the debt down?","start":1019.98,"end":1023.92,"sentiment":"neutral","sentiment_score":0.11947054276242852}],"sentiment":"neutral","sentiment_score":0.11947054276242852,"channel":0,"num_words":16,"start":1019.98,"end":1023.92},{"sentences":[{"text":"We wanna invest in more properties because, like, we obviously came to this country late.","start":1024.885,"end":1031.125,"sentiment":"neutral","sentiment_score":0.2163385679324468},{"text":"So whilst you guys are obviously helping you build, you got the super, you you still don't wanna just hedge your back just on that.","start":1031.125,"end":1038.86,"sentiment":"neutral","sentiment_score":0.2610096287727356},{"text":"So we wanna kind of keep building up those assets.","start":1038.86,"end":1041.66,"sentiment":"positive","sentiment_score":0.33864153921604156},{"text":"We we do have financial approval to purchase another property at the moment, but I just haven't found anything that's quite right, and I don't want negatively geared.","start":1041.66,"end":1051.585,"sentiment":"neutral","sentiment_score":-0.09973296044128281},{"text":"I want it to be, like, at least breaking even.","start":1051.585,"end":1053.985,"sentiment":"neutral","sentiment_score":-0.01887233704328537}],"sentiment":"neutral","sentiment_score":0.11563054963269016,"channel":1,"num_words":88,"start":1024.885,"end":1053.985},{"sentences":[{"text":"So I'm holding","start":1053.985,"end":1055.605,"sentiment":"neutral","sentiment_score":-0.044186338782310486}],"sentiment":"neutral","sentiment_score":-0.044186338782310486,"channel":1,"num_words":3,"start":1053.985,"end":1055.605},{"sentences":[{"text":"Yeah.","start":1055.63,"end":1056.13,"sentiment":"neutral","sentiment_score":-0.10594265162944794}],"sentiment":"neutral","sentiment_score":-0.10594265162944794,"channel":0,"num_words":1,"start":1055.63,"end":1056.13},{"sentences":[{"text":"off until the property market comes itself down because everything is just insane still at the moment.","start":1055.665,"end":1063.845,"sentiment":"neutral","sentiment_score":-0.239971461103243}],"sentiment":"neutral","sentiment_score":-0.239971461103243,"channel":1,"num_words":17,"start":1055.665,"end":1063.845},{"sentences":[{"text":"Yeah.","start":1065.005,"end":1065.405,"sentiment":"neutral","sentiment_score":0.039287179708480835},{"text":"When interest rates were almost zero, it was really easy to get positively geared properties.","start":1065.405,"end":1069.885,"sentiment":"neutral","sentiment_score":0.07584880342086156},{"text":"But now","start":1069.885,"end":1070.285,"sentiment":"neutral","sentiment_score":-0.02371016889810562}],"sentiment":"neutral","sentiment_score":0.06275549406806628,"channel":0,"num_words":18,"start":1065.005,"end":1070.285},{"sentences":[{"text":"Yeah.","start":1070.28,"end":1070.78,"sentiment":"neutral","sentiment_score":-0.014782635495066644}],"sentiment":"neutral","sentiment_score":-0.014782635495066644,"channel":1,"num_words":1,"start":1070.28,"end":1070.78},{"sentences":[{"text":"that it's gone up, most of","start":1070.285,"end":1072.14,"sentiment":"neutral","sentiment_score":-0.06905611666540305}],"sentiment":"neutral","sentiment_score":-0.06905611666540305,"channel":0,"num_words":6,"start":1070.285,"end":1072.14},{"sentences":[{"text":"Yeah.","start":1072.04,"end":1072.44,"sentiment":"neutral","sentiment_score":-0.021187329664826393}],"sentiment":"neutral","sentiment_score":-0.021187329664826393,"channel":1,"num_words":1,"start":1072.04,"end":1072.44},{"sentences":[{"text":"them are","start":1072.14,"end":1072.4601,"sentiment":"neutral","sentiment_score":-0.046298131346702576}],"sentiment":"neutral","sentiment_score":-0.046298131346702576,"channel":0,"num_words":2,"start":1072.14,"end":1072.4601},{"sentences":[{"text":"Exactly.","start":1072.44,"end":1072.94,"sentiment":"neutral","sentiment_score":-0.01559523306787014}],"sentiment":"neutral","sentiment_score":-0.01559523306787014,"channel":1,"num_words":1,"start":1072.44,"end":1072.94},{"sentences":[{"text":"just it's hard to even break even.","start":1072.4601,"end":1074.8,"sentiment":"neutral","sentiment_score":-0.20698897327695573}],"sentiment":"neutral","sentiment_score":-0.20698897327695573,"channel":0,"num_words":7,"start":1072.4601,"end":1074.8},{"sentences":[{"text":"Well, that's right.","start":1075.24,"end":1076.2,"sentiment":"neutral","sentiment_score":0.06350705275932948}],"sentiment":"neutral","sentiment_score":0.06350705275932948,"channel":1,"num_words":3,"start":1075.24,"end":1076.2},{"sentences":[{"text":"Have you","start":1075.8201,"end":1076.2201,"sentiment":"neutral","sentiment_score":0.03325389325618744}],"sentiment":"neutral","sentiment_score":0.03325389325618744,"channel":0,"num_words":2,"start":1075.8201,"end":1076.2201},{"sentences":[{"text":"And","start":1076.2,"end":1076.44,"sentiment":"neutral","sentiment_score":0.02359192632138729}],"sentiment":"neutral","sentiment_score":0.02359192632138729,"channel":1,"num_words":1,"start":1076.2,"end":1076.44},{"sentences":[{"text":"considered","start":1076.2201,"end":1076.7201,"sentiment":"neutral","sentiment_score":0.015617871657013891}],"sentiment":"neutral","sentiment_score":0.015617871657013891,"channel":0,"num_words":1,"start":1076.2201,"end":1076.7201},{"sentences":[{"text":"even, like,","start":1076.44,"end":1077.08,"sentiment":"neutral","sentiment_score":0.008866699412465096}],"sentiment":"neutral","sentiment_score":0.008866699412465096,"channel":1,"num_words":2,"start":1076.44,"end":1077.08},{"sentences":[{"text":"going","start":1076.9401,"end":1077.4401,"sentiment":"neutral","sentiment_score":0.02575105801224709}],"sentiment":"neutral","sentiment_score":0.02575105801224709,"channel":0,"num_words":1,"start":1076.9401,"end":1077.4401},{"sentences":[{"text":"looking yeah.","start":1077.08,"end":1078.86,"sentiment":"neutral","sentiment_score":0.02013293467462063}],"sentiment":"neutral","sentiment_score":0.02013293467462063,"channel":1,"num_words":2,"start":1077.08,"end":1078.86},{"sentences":[{"text":"I was just gonna say anything kind of outside of the area.","start":1079.8201,"end":1083.1001,"sentiment":"neutral","sentiment_score":0.004999592279394467},{"text":"Have you considered rural or commercial or anything like that, or you would just","start":1083.1001,"end":1086.88,"sentiment":"neutral","sentiment_score":0.0017336767965129443}],"sentiment":"neutral","sentiment_score":0.003241022403996724,"channel":0,"num_words":26,"start":1079.8201,"end":1086.88},{"sentences":[{"text":"Well, I did have an interest in commercial.","start":1088.845,"end":1092.0651,"sentiment":"neutral","sentiment_score":0.012084996560588479},{"text":"The problem is because we don't have a cash deposit, the property is effectively gonna be 100% mortgage.","start":1092.2051,"end":1099.5,"sentiment":"neutral","sentiment_score":-0.26469871857100064},{"text":"And therefore,","start":1100.12,"end":1100.86,"sentiment":"neutral","sentiment_score":-0.11362766474485397}],"sentiment":"neutral","sentiment_score":-0.17482686754582183,"channel":1,"num_words":28,"start":1088.845,"end":1100.86},{"sentences":[{"text":"Yeah.","start":1101.1,"end":1101.6,"sentiment":"neutral","sentiment_score":-0.16258478164672852}],"sentiment":"neutral","sentiment_score":-0.16258478164672852,"channel":0,"num_words":1,"start":1101.1,"end":1101.6},{"sentences":[{"text":"again, we have the issue with negative gearing with commercial tenancy.","start":1101.24,"end":1105.1799,"sentiment":"negative","sentiment_score":-0.39086768708445807},{"text":"We we're we've been, like, preapproved.","start":1105.7999,"end":1107.74,"sentiment":"neutral","sentiment_score":-0.2763218805193901},{"text":"We said we can they my broker said we can sort of comfortably get something around the 800,000 mark.","start":1108.28,"end":1113.9249,"sentiment":"neutral","sentiment_score":-0.24358406427659487},{"text":"But, again, like, you can't get nothing for that on the Gold Coast.","start":1114.545,"end":1118.385,"sentiment":"negative","sentiment_score":-0.4596694065974309},{"text":"And even if you can, like, you you're gonna be negatively dead because it's only let out for fucking 800 a week, and you need a grand a week just to cover the mortgage.","start":1118.385,"end":1126.79,"sentiment":"negative","sentiment_score":-0.5475881108466316}],"sentiment":"negative","sentiment_score":-0.42384663996208144,"channel":1,"num_words":83,"start":1101.24,"end":1126.79},{"sentences":[{"text":"And then","start":1127.65,"end":1128.05,"sentiment":"neutral","sentiment_score":-0.13709620013833046}],"sentiment":"neutral","sentiment_score":-0.13709620013833046,"channel":1,"num_words":2,"start":1127.65,"end":1128.05},{"sentences":[{"text":"Yep.","start":1128.02,"end":1128.52,"sentiment":"neutral","sentiment_score":-0.14954137802124023}],"sentiment":"neutral","sentiment_score":-0.14954137802124023,"channel":0,"num_words":1,"start":1128.02,"end":1128.52},{"sentences":[{"text":"I looked at further out.","start":1128.05,"end":1129.5701,"sentiment":"neutral","sentiment_score":-0.13349369913339615},{"text":"So I looked as far out as bloody Mount Isa, but then there's a whole ramification about borrowing from Mount Isa because it's a high risk area.","start":1129.5701,"end":1137.99,"sentiment":"neutral","sentiment_score":-0.27552825764373495},{"text":"Because there's some really good","start":1138.285,"end":1139.725,"sentiment":"neutral","sentiment_score":-0.24135468006134034}],"sentiment":"neutral","sentiment_score":-0.2517163473609331,"channel":1,"num_words":37,"start":1128.05,"end":1139.725},{"sentences":[{"text":"Yep.","start":1139.475,"end":1139.975,"sentiment":"neutral","sentiment_score":-0.11584335565567017}],"sentiment":"neutral","sentiment_score":-0.11584335565567017,"channel":0,"num_words":1,"start":1139.475,"end":1139.975},{"sentences":[{"text":"cash flow properties out there, but it's obviously really high risk too because if the mine closes, you're screwed because then there's no one to live in the house.","start":1139.725,"end":1148.785,"sentiment":"negative","sentiment_score":-0.40411737509842577},{"text":"So,","start":1150.285,"end":1150.785,"sentiment":"neutral","sentiment_score":-0.1527092456817627}],"sentiment":"negative","sentiment_score":-0.39573710411787033,"channel":1,"num_words":30,"start":1139.725,"end":1150.785},{"sentences":[{"text":"Yeah.","start":1150.8401,"end":1151.24,"sentiment":"neutral","sentiment_score":-0.10908956825733183}],"sentiment":"neutral","sentiment_score":-0.10908956825733183,"channel":0,"num_words":1,"start":1150.8401,"end":1151.24},{"sentences":[{"text":"yes,","start":1150.925,"end":1151.245,"sentiment":"neutral","sentiment_score":-0.04973900318145752}],"sentiment":"neutral","sentiment_score":-0.04973900318145752,"channel":1,"num_words":1,"start":1150.925,"end":1151.245},{"sentences":[{"text":"Between","start":1151.24,"end":1151.7201,"sentiment":"neutral","sentiment_score":-0.16115717589855194}],"sentiment":"neutral","sentiment_score":-0.16115717589855194,"channel":0,"num_words":1,"start":1151.24,"end":1151.7201},{"sentences":[{"text":"I have","start":1151.245,"end":1151.725,"sentiment":"neutral","sentiment_score":-0.17178969830274582}],"sentiment":"neutral","sentiment_score":-0.17178969830274582,"channel":1,"num_words":2,"start":1151.245,"end":1151.725},{"sentences":[{"text":"the","start":1151.7201,"end":1151.88,"sentiment":"neutral","sentiment_score":-0.16526448726654053}],"sentiment":"neutral","sentiment_score":-0.16526448726654053,"channel":0,"num_words":1,"start":1151.7201,"end":1151.88},{"sentences":[{"text":"been","start":1151.725,"end":1151.965,"sentiment":"neutral","sentiment_score":-0.12789946794509888}],"sentiment":"neutral","sentiment_score":-0.12789946794509888,"channel":1,"num_words":1,"start":1151.725,"end":1151.965},{"sentences":[{"text":"mines,","start":1151.88,"end":1152.36,"sentiment":"neutral","sentiment_score":-0.16900798678398132}],"sentiment":"neutral","sentiment_score":-0.16900798678398132,"channel":0,"num_words":1,"start":1151.88,"end":1152.36},{"sentences":[{"text":"looking","start":1151.965,"end":1152.445,"sentiment":"neutral","sentiment_score":-0.19274547696113584}],"sentiment":"neutral","sentiment_score":-0.19274547696113584,"channel":1,"num_words":1,"start":1151.965,"end":1152.445},{"sentences":[{"text":"the insurances and rights.","start":1152.36,"end":1154.06,"sentiment":"neutral","sentiment_score":-0.18855462223291397},{"text":"Yeah.","start":1154.36,"end":1154.86,"sentiment":"neutral","sentiment_score":-0.0813981294631958}],"sentiment":"neutral","sentiment_score":-0.16712332367897034,"channel":0,"num_words":5,"start":1152.36,"end":1154.86},{"sentences":[{"text":"Exactly.","start":1155.7,"end":1155.86,"sentiment":"neutral","sentiment_score":-0.07288961857557297},{"text":"So it's it's just it's a risky time.","start":1155.86,"end":1158.26,"sentiment":"neutral","sentiment_score":-0.30343165062367916},{"text":"Like, I'm not opposed to investing now.","start":1158.26,"end":1160.1,"sentiment":"neutral","sentiment_score":-0.20112292787858418},{"text":"I just I genuinely just haven't found the right option.","start":1160.1,"end":1163.96,"sentiment":"negative","sentiment_score":-0.4377251625061035},{"text":"And then, yeah, like, you can get cheap properties down in Melbourne, but there's 500 apartments that look exactly the same that are all up for rent.","start":1164.1,"end":1172.165,"sentiment":"neutral","sentiment_score":-0.12794433506550612}],"sentiment":"neutral","sentiment_score":-0.2215085281234867,"channel":1,"num_words":53,"start":1155.7,"end":1172.165},{"sentences":[{"text":"So you then you kinda, like, well, how likely am I to get a tenant in yeah.","start":1172.165,"end":1176.725,"sentiment":"neutral","sentiment_score":-0.10813839602119782},{"text":"So","start":1176.725,"end":1176.845,"sentiment":"neutral","sentiment_score":0.00045135244727134705}],"sentiment":"neutral","sentiment_score":-0.10210563221739398,"channel":1,"num_words":18,"start":1172.165,"end":1176.845},{"sentences":[{"text":"Yep.","start":1176.81,"end":1177.31,"sentiment":"neutral","sentiment_score":0.034586843103170395}],"sentiment":"neutral","sentiment_score":0.034586843103170395,"channel":0,"num_words":1,"start":1176.81,"end":1177.31},{"sentences":[{"text":"yeah.","start":1176.965,"end":1177.205,"sentiment":"neutral","sentiment_score":0.01262030564248562},{"text":"Lots of moving parts with that one, but, yes, in that was a very long winded way of saying, yes.","start":1177.205,"end":1182.165,"sentiment":"neutral","sentiment_score":-0.034151781164109704},{"text":"We will be buying more property, but just not yet.","start":1182.165,"end":1185.38,"sentiment":"neutral","sentiment_score":-0.03369547612965107}],"sentiment":"neutral","sentiment_score":-0.032495808997942556,"channel":1,"num_words":31,"start":1176.965,"end":1185.38},{"sentences":[{"text":"Perfect.","start":1186.41,"end":1186.91,"sentiment":"positive","sentiment_score":0.4856925010681152},{"text":"So bit of patience will hopefully pay off there.","start":1187.13,"end":1190.27,"sentiment":"positive","sentiment_score":0.394761903418435}],"sentiment":"positive","sentiment_score":0.403854963183403,"channel":0,"num_words":10,"start":1186.41,"end":1190.27},{"sentences":[{"text":"Can you","start":1190.64,"end":1190.9601,"sentiment":"neutral","sentiment_score":0.0758354589343071}],"sentiment":"neutral","sentiment_score":0.0758354589343071,"channel":1,"num_words":2,"start":1190.64,"end":1190.9601},{"sentences":[{"text":"When","start":1190.9451,"end":1191.185,"sentiment":"neutral","sentiment_score":0.04184148833155632}],"sentiment":"neutral","sentiment_score":0.04184148833155632,"channel":0,"num_words":1,"start":1190.9451,"end":1191.185},{"sentences":[{"text":"tell","start":1190.9601,"end":1191.28,"sentiment":"neutral","sentiment_score":0.039282768964767456}],"sentiment":"neutral","sentiment_score":0.039282768964767456,"channel":1,"num_words":1,"start":1190.9601,"end":1191.28},{"sentences":[{"text":"it","start":1191.185,"end":1191.345,"sentiment":"neutral","sentiment_score":0.055995047092437744}],"sentiment":"neutral","sentiment_score":0.055995047092437744,"channel":0,"num_words":1,"start":1191.185,"end":1191.345},{"sentences":[{"text":"me?","start":1191.28,"end":1191.78,"sentiment":"neutral","sentiment_score":0.0477944016456604}],"sentiment":"neutral","sentiment_score":0.0477944016456604,"channel":1,"num_words":1,"start":1191.28,"end":1191.78},{"sentences":[{"text":"comes to your investment account, because we have a bit of a pause on cash flow, are you okay for me just to kind of let that sit and kind of just do its thing growing?","start":1191.345,"end":1202.9451,"sentiment":"neutral","sentiment_score":0.022383340272224612},{"text":"I I think it's just over $10 after the last withdrawal.","start":1202.9451,"end":1205.765,"sentiment":"neutral","sentiment_score":-0.0108029054985805}],"sentiment":"neutral","sentiment_score":0.014616346581185118,"channel":0,"num_words":47,"start":1191.345,"end":1205.765},{"sentences":[{"text":"Yeah.","start":1206.7251,"end":1207.2251,"sentiment":"neutral","sentiment_score":0.02587346732616425},{"text":"Yeah.","start":1210.245,"end":1210.5651,"sentiment":"neutral","sentiment_score":0.0320989154279232},{"text":"I would say so.","start":1210.5651,"end":1211.7051,"sentiment":"neutral","sentiment_score":0.037906818091869354}],"sentiment":"neutral","sentiment_score":0.034933275853594146,"channel":1,"num_words":6,"start":1206.7251,"end":1211.7051},{"sentences":[{"text":"Yep.","start":1212.91,"end":1213.23,"sentiment":"neutral","sentiment_score":0.07233699411153793},{"text":"So just because the balance is kind of low, I haven't included the investment account in any service agreements or fees.","start":1213.23,"end":1220.53,"sentiment":"neutral","sentiment_score":0.023867351313432057},{"text":"I'd rather just wait for that to be kind of active again.","start":1221.165,"end":1224.8651,"sentiment":"neutral","sentiment_score":-0.003731990233063698}],"sentiment":"neutral","sentiment_score":0.015551984967554318,"channel":0,"num_words":34,"start":1212.91,"end":1224.8651},{"sentences":[{"text":"Yeah.","start":1224.8,"end":1225.28,"sentiment":"neutral","sentiment_score":0.0502735823392868}],"sentiment":"neutral","sentiment_score":0.0502735823392868,"channel":1,"num_words":1,"start":1224.8,"end":1225.28},{"sentences":[{"text":"So for","start":1224.925,"end":1225.3251,"sentiment":"neutral","sentiment_score":0.03542906418442726}],"sentiment":"neutral","sentiment_score":0.03542906418442726,"channel":0,"num_words":2,"start":1224.925,"end":1225.3251},{"sentences":[{"text":"Yes.","start":1225.28,"end":1225.68,"sentiment":"neutral","sentiment_score":0.07116425782442093}],"sentiment":"neutral","sentiment_score":0.07116425782442093,"channel":1,"num_words":1,"start":1225.28,"end":1225.68},{"sentences":[{"text":"the time","start":1225.3251,"end":1225.7251,"sentiment":"neutral","sentiment_score":0.0491218026727438}],"sentiment":"neutral","sentiment_score":0.0491218026727438,"channel":0,"num_words":2,"start":1225.3251,"end":1225.7251},{"sentences":[{"text":"For","start":1225.68,"end":1225.84,"sentiment":"neutral","sentiment_score":0.048730336129665375}],"sentiment":"neutral","sentiment_score":0.048730336129665375,"channel":1,"num_words":1,"start":1225.68,"end":1225.84},{"sentences":[{"text":"being,","start":1225.7251,"end":1226.2251,"sentiment":"neutral","sentiment_score":0.11610464751720428}],"sentiment":"neutral","sentiment_score":0.11610464751720428,"channel":0,"num_words":1,"start":1225.7251,"end":1226.2251},{"sentences":[{"text":"sure.","start":1225.84,"end":1226.34,"sentiment":"neutral","sentiment_score":0.1601208746433258}],"sentiment":"neutral","sentiment_score":0.1601208746433258,"channel":1,"num_words":1,"start":1225.84,"end":1226.34},{"sentences":[{"text":"it's had a pretty phenomenal return of, like, 23 percent.","start":1226.3651,"end":1230.145,"sentiment":"positive","sentiment_score":0.38622079193592074},{"text":"So it can just kind of bounce around in the background until it becomes more active.","start":1230.2051,"end":1234.8651,"sentiment":"neutral","sentiment_score":0.19944503623992205}],"sentiment":"neutral","sentiment_score":0.2712818653537677,"channel":0,"num_words":26,"start":1226.3651,"end":1234.8651},{"sentences":[{"text":"Yeah.","start":1235.5651,"end":1235.805,"sentiment":"neutral","sentiment_score":0.1069909930229187},{"text":"Yeah.","start":1235.805,"end":1236.125,"sentiment":"neutral","sentiment_score":0.10317647457122804},{"text":"For sure.","start":1236.125,"end":1236.865,"sentiment":"neutral","sentiment_score":0.1033574789762497}],"sentiment":"neutral","sentiment_score":0.10422060638666153,"channel":1,"num_words":4,"start":1235.5651,"end":1236.865},{"sentences":[{"text":"Cool.","start":1238.5,"end":1239.0,"sentiment":"neutral","sentiment_score":0.15815576910972595},{"text":"I wouldn't really change anything in terms of the investments","start":1239.0599,"end":1241.46,"sentiment":"neutral","sentiment_score":0.0136612918227911}],"sentiment":"neutral","sentiment_score":0.02679715339433063,"channel":0,"num_words":11,"start":1238.5,"end":1241.46},{"sentences":[{"text":"Yep.","start":1241.17,"end":1241.67,"sentiment":"neutral","sentiment_score":0.07418429851531982}],"sentiment":"neutral","sentiment_score":0.07418429851531982,"channel":1,"num_words":1,"start":1241.17,"end":1241.67},{"sentences":[{"text":"in there because it's doing its thing.","start":1241.46,"end":1243.08,"sentiment":"neutral","sentiment_score":0.14088728917496546},{"text":"So if you're comfortable with that, I can kind of just put a bit of a hold on it, let it invest, and just put a flag in for the team.","start":1243.2999,"end":1250.44,"sentiment":"neutral","sentiment_score":0.12584089079210836}],"sentiment":"neutral","sentiment_score":0.1286125957573715,"channel":0,"num_words":38,"start":1241.46,"end":1250.44},{"sentences":[{"text":"Yeah.","start":1250.93,"end":1251.25,"sentiment":"neutral","sentiment_score":0.153284952044487},{"text":"That's fine.","start":1251.25,"end":1252.05,"sentiment":"neutral","sentiment_score":0.2668938934803009},{"text":"Thank you.","start":1252.05,"end":1252.79,"sentiment":"positive","sentiment_score":0.48576122522354126}],"sentiment":"neutral","sentiment_score":0.3317190378904343,"channel":1,"num_words":5,"start":1250.93,"end":1252.79},{"sentences":[{"text":"Amazing.","start":1254.395,"end":1254.895,"sentiment":"positive","sentiment_score":0.4376573860645294},{"text":"Actually, last couple of things.","start":1255.9149,"end":1257.855,"sentiment":"neutral","sentiment_score":0.10475149005651474},{"text":"So when it comes to estate planning, did you guys end up putting a will in place?","start":1257.9149,"end":1261.775,"sentiment":"neutral","sentiment_score":0.042948834707631785}],"sentiment":"neutral","sentiment_score":0.07354543592942797,"channel":0,"num_words":23,"start":1254.395,"end":1261.775},{"sentences":[{"text":"Yes.","start":1262.265,"end":1262.665,"sentiment":"neutral","sentiment_score":0.05794306471943855},{"text":"We did.","start":1262.665,"end":1263.405,"sentiment":"neutral","sentiment_score":0.05595429614186287}],"sentiment":"neutral","sentiment_score":0.056617219001054764,"channel":1,"num_words":3,"start":1262.265,"end":1263.405},{"sentences":[{"text":"Yes.","start":1264.33,"end":1264.65,"sentiment":"neutral","sentiment_score":0.04327329993247986},{"text":"Do you remember if you put in place a power of attorney as well for, you know, if you can't act on your own behalf?","start":1264.65,"end":1270.19,"sentiment":"neutral","sentiment_score":0.023484514504671098}],"sentiment":"neutral","sentiment_score":0.024245621636509895,"channel":0,"num_words":26,"start":1264.33,"end":1270.19},{"sentences":[{"text":"I I don't know, man.","start":1272.9,"end":1274.74,"sentiment":"neutral","sentiment_score":-0.04554994329810143},{"text":"We went to the office thing that you go to in Southport where they do it for you.","start":1274.74,"end":1279.24,"sentiment":"neutral","sentiment_score":0.025805157298843067}],"sentiment":"neutral","sentiment_score":0.010293178908202959,"channel":1,"num_words":23,"start":1272.9,"end":1279.24},{"sentences":[{"text":"Yep.","start":1280.905,"end":1281.405,"sentiment":"neutral","sentiment_score":0.030686503276228905}],"sentiment":"neutral","sentiment_score":0.030686503276228905,"channel":0,"num_words":1,"start":1280.905,"end":1281.405},{"sentences":[{"text":"I don't know.","start":1281.86,"end":1282.76,"sentiment":"neutral","sentiment_score":-0.02019993681460619},{"text":"I mean, if I did, it would be Joe.","start":1282.9,"end":1286.6,"sentiment":"neutral","sentiment_score":0.00887966388836503},{"text":"But I I just don't know.","start":1287.375,"end":1288.895,"sentiment":"neutral","sentiment_score":-0.1526013103624185},{"text":"It's not really a conversation you wanna remember.","start":1288.895,"end":1291.135,"sentiment":"neutral","sentiment_score":-0.2807970196008682},{"text":"It's like, oh, what if you die and your husband die and all your kids die?","start":1291.135,"end":1294.895,"sentiment":"neutral","sentiment_score":-0.27515236008912325}],"sentiment":"neutral","sentiment_score":-0.17964534799657053,"channel":1,"num_words":42,"start":1281.86,"end":1294.895},{"sentences":[{"text":"Like, what do you wanna do then?","start":1294.895,"end":1296.095,"sentiment":"neutral","sentiment_score":-0.26492026448249817},{"text":"And I'm like, what?","start":1296.095,"end":1297.155,"sentiment":"neutral","sentiment_score":-0.13424622267484665}],"sentiment":"neutral","sentiment_score":-0.2174024310978976,"channel":1,"num_words":11,"start":1294.895,"end":1297.155},{"sentences":[{"text":"Yeah.","start":1296.7899,"end":1297.2899,"sentiment":"neutral","sentiment_score":-0.1457701027393341}],"sentiment":"neutral","sentiment_score":-0.1457701027393341,"channel":0,"num_words":1,"start":1296.7899,"end":1297.2899},{"sentences":[{"text":"It's not it's not the most fun chat.","start":1297.375,"end":1299.135,"sentiment":"neutral","sentiment_score":-0.2507273964583874},{"text":"But, yeah, I I really can't remember.","start":1299.135,"end":1302.2201,"sentiment":"neutral","sentiment_score":-0.1600164728505271},{"text":"Sorry.","start":1303.9601,"end":1304.4601,"sentiment":"neutral","sentiment_score":-0.11612677574157716}],"sentiment":"neutral","sentiment_score":-0.20262882858514786,"channel":1,"num_words":16,"start":1297.375,"end":1304.4601},{"sentences":[{"text":"That's okay.","start":1304.005,"end":1304.565,"sentiment":"neutral","sentiment_score":0.03194890171289444},{"text":"I'll put unknown for the power of attorney, and that's just more for, like, if you're still here and you're in the hospital, it makes it easier for Joe to kind of access a different bank account or talk to the doctors and things like that, which they're pretty good for with spouses.","start":1304.565,"end":1318.745,"sentiment":"neutral","sentiment_score":0.07004717487912134},{"text":"It's just","start":1319.4,"end":1319.88,"sentiment":"neutral","sentiment_score":0.004250191152095795}],"sentiment":"neutral","sentiment_score":0.06640172726883177,"channel":0,"num_words":57,"start":1304.005,"end":1319.88},{"sentences":[{"text":"Yep.","start":1319.725,"end":1319.885,"sentiment":"neutral","sentiment_score":-0.018237369135022163}],"sentiment":"neutral","sentiment_score":-0.018237369135022163,"channel":1,"num_words":1,"start":1319.725,"end":1319.885},{"sentences":[{"text":"really","start":1319.88,"end":1320.2001,"sentiment":"neutral","sentiment_score":-0.018922418355941772}],"sentiment":"neutral","sentiment_score":-0.018922418355941772,"channel":0,"num_words":1,"start":1319.88,"end":1320.2001},{"sentences":[{"text":"Yep.","start":1319.885,"end":1320.385,"sentiment":"neutral","sentiment_score":-0.024849720299243927}],"sentiment":"neutral","sentiment_score":-0.024849720299243927,"channel":1,"num_words":1,"start":1319.885,"end":1320.385},{"sentences":[{"text":"if anything requires you to go to court for probate, there's a delay.","start":1320.28,"end":1323.74,"sentiment":"neutral","sentiment_score":-0.20629103711018196},{"text":"As long as","start":1323.88,"end":1324.36,"sentiment":"neutral","sentiment_score":-0.09785964339971542}],"sentiment":"neutral","sentiment_score":-0.18596015078946948,"channel":0,"num_words":16,"start":1320.28,"end":1324.36},{"sentences":[{"text":"Yep.","start":1324.285,"end":1324.785,"sentiment":"neutral","sentiment_score":-0.05341670662164688}],"sentiment":"neutral","sentiment_score":-0.05341670662164688,"channel":1,"num_words":1,"start":1324.285,"end":1324.785},{"sentences":[{"text":"you guys have joint bank accounts, you're not really","start":1324.36,"end":1326.6,"sentiment":"neutral","sentiment_score":-0.06438439298007223}],"sentiment":"neutral","sentiment_score":-0.06438439298007223,"channel":0,"num_words":9,"start":1324.36,"end":1326.6},{"sentences":[{"text":"Yes.","start":1329.02,"end":1329.42,"sentiment":"neutral","sentiment_score":-0.010076330974698068},{"text":"Okay.","start":1329.42,"end":1329.92,"sentiment":"neutral","sentiment_score":0.08620528876781464}],"sentiment":"neutral","sentiment_score":0.038064478896558285,"channel":1,"num_words":2,"start":1329.02,"end":1329.92},{"sentences":[{"text":"Cool.","start":1331.3351,"end":1331.8351,"sentiment":"neutral","sentiment_score":0.17481070756912231},{"text":"And the last thing was just with the superannuation.","start":1332.2151,"end":1334.4751,"sentiment":"neutral","sentiment_score":0.08993019122216436},{"text":"Do you usually log in and keep an eye on the hub every now and then?","start":1334.775,"end":1337.995,"sentiment":"neutral","sentiment_score":0.06497360020875931}],"sentiment":"neutral","sentiment_score":0.07783692430418271,"channel":0,"num_words":26,"start":1331.3351,"end":1337.995},{"sentences":[{"text":"Yes.","start":1338.38,"end":1338.62,"sentiment":"neutral","sentiment_score":0.07875919342041016},{"text":"I do.","start":1338.62,"end":1339.02,"sentiment":"neutral","sentiment_score":0.10139255225658417},{"text":"Yeah.","start":1339.02,"end":1339.52,"sentiment":"neutral","sentiment_score":0.1053662821650505}],"sentiment":"neutral","sentiment_score":0.09672764502465725,"channel":1,"num_words":4,"start":1338.38,"end":1339.52},{"sentences":[{"text":"Yep.","start":1340.375,"end":1340.6951,"sentiment":"neutral","sentiment_score":0.14089827239513397},{"text":"We've had a bit of a a rickety rickety few months recently.","start":1340.6951,"end":1344.0751,"sentiment":"neutral","sentiment_score":-0.07296160515397787},{"text":"Your contributions have really gotten your account still rolling pretty well.","start":1345.2201,"end":1349.24,"sentiment":"positive","sentiment_score":0.4431846629489552},{"text":"So I think from","start":1349.3,"end":1350.02,"sentiment":"neutral","sentiment_score":0.12487354502081871}],"sentiment":"neutral","sentiment_score":0.16571016010961362,"channel":0,"num_words":28,"start":1340.375,"end":1350.02},{"sentences":[{"text":"Yes.","start":1349.955,"end":1350.455,"sentiment":"neutral","sentiment_score":0.14556607604026794}],"sentiment":"neutral","sentiment_score":0.14556607604026794,"channel":1,"num_words":1,"start":1349.955,"end":1350.455},{"sentences":[{"text":"87,000 up to a 100 and 10.","start":1350.02,"end":1352.52,"sentiment":"neutral","sentiment_score":0.11885942784803254},{"text":"It's only had about a 5% return.","start":1353.62,"end":1355.64,"sentiment":"neutral","sentiment_score":-0.06962224521807261},{"text":"Most progressive options have been pretty negative lately.","start":1355.86,"end":1359.0651,"sentiment":"negative","sentiment_score":-0.35745247080922127},{"text":"So I just wanted","start":1359.285,"end":1359.925,"sentiment":"neutral","sentiment_score":-0.04616935737431049}],"sentiment":"neutral","sentiment_score":-0.1038321891369728,"channel":0,"num_words":26,"start":1350.02,"end":1359.925},{"sentences":[{"text":"Yes.","start":1359.8099,"end":1360.3099,"sentiment":"neutral","sentiment_score":0.023523949086666107}],"sentiment":"neutral","sentiment_score":0.023523949086666107,"channel":1,"num_words":1,"start":1359.8099,"end":1360.3099},{"sentences":[{"text":"to kind of flag with you that it's still in the positive for the year, but it's kind of been a bit of a holding pattern with what's going on with the markets at the moment.","start":1359.925,"end":1368.025,"sentiment":"neutral","sentiment_score":-0.06416420886913936}],"sentiment":"neutral","sentiment_score":-0.06416420886913936,"channel":0,"num_words":36,"start":1359.925,"end":1368.025},{"sentences":[{"text":"Yes.","start":1368.585,"end":1369.065,"sentiment":"neutral","sentiment_score":0.06164022162556648},{"text":"Okay.","start":1369.065,"end":1369.565,"sentiment":"neutral","sentiment_score":0.10545126348733902}],"sentiment":"neutral","sentiment_score":0.08354574255645275,"channel":1,"num_words":2,"start":1368.585,"end":1369.565},{"sentences":[{"text":"Now because you guys have that goal to kind of have the financial freedom to retire as early as possible towards age 60, that's kind of why you're in a high growth portfolio, pretty much all of this super in growth assets, shares, property, and so on.","start":1371.3,"end":1387.165,"sentiment":"neutral","sentiment_score":0.2938318731302911},{"text":"Are","start":1387.545,"end":1387.785,"sentiment":"neutral","sentiment_score":0.16566044092178345}],"sentiment":"neutral","sentiment_score":0.2911616349592805,"channel":0,"num_words":48,"start":1371.3,"end":1387.785},{"sentences":[{"text":"Yeah.","start":1387.64,"end":1388.14,"sentiment":"neutral","sentiment_score":0.16705375909805298}],"sentiment":"neutral","sentiment_score":0.16705375909805298,"channel":1,"num_words":1,"start":1387.64,"end":1388.14},{"sentences":[{"text":"you still comfortable with that idea of just going through as much as possible while you're young?","start":1387.785,"end":1391.805,"sentiment":"neutral","sentiment_score":0.20049524964655147}],"sentiment":"neutral","sentiment_score":0.20049524964655147,"channel":0,"num_words":17,"start":1387.785,"end":1391.805},{"sentences":[{"text":"Yeah.","start":1392.44,"end":1392.84,"sentiment":"neutral","sentiment_score":0.05606716871261597},{"text":"I'd say so.","start":1392.84,"end":1393.72,"sentiment":"neutral","sentiment_score":0.006891971764465173},{"text":"Why not?","start":1393.72,"end":1394.5399,"sentiment":"neutral","sentiment_score":-0.05772880092263222}],"sentiment":"neutral","sentiment_score":-0.006452419639875491,"channel":1,"num_words":6,"start":1392.44,"end":1394.5399},{"sentences":[{"text":"Yeah.","start":1395.625,"end":1395.9451,"sentiment":"neutral","sentiment_score":-0.0026498890947550535},{"text":"It's just gonna be that thing where we use a lot of buzzwords in the industry like volatility.","start":1395.9451,"end":1400.2101,"sentiment":"neutral","sentiment_score":-0.03168063352091445},{"text":"And what that basically means is when the market's doing it what it's currently doing, higher highs and lower lows in shorter periods of time.","start":1400.91,"end":1408.8501,"sentiment":"neutral","sentiment_score":-0.036979463770985606},{"text":"So","start":1409.2301,"end":1409.7301,"sentiment":"neutral","sentiment_score":0.0008422099053859711}],"sentiment":"neutral","sentiment_score":-0.03325657059645487,"channel":0,"num_words":45,"start":1395.625,"end":1409.7301},{"sentences":[{"text":"Yeah.","start":1409.285,"end":1409.605,"sentiment":"neutral","sentiment_score":0.01135673001408577},{"text":"Yeah.","start":1409.605,"end":1410.005,"sentiment":"neutral","sentiment_score":0.0021615996956825256}],"sentiment":"neutral","sentiment_score":0.006759164854884148,"channel":1,"num_words":2,"start":1409.285,"end":1410.005},{"sentences":[{"text":"whereas","start":1409.9501,"end":1410.4501,"sentiment":"neutral","sentiment_score":-0.03585842251777649}],"sentiment":"neutral","sentiment_score":-0.03585842251777649,"channel":0,"num_words":1,"start":1409.9501,"end":1410.4501},{"sentences":[{"text":"I understand.","start":1410.005,"end":1410.665,"sentiment":"neutral","sentiment_score":-0.053194018080830574}],"sentiment":"neutral","sentiment_score":-0.053194018080830574,"channel":1,"num_words":2,"start":1410.005,"end":1410.665},{"sentences":[{"text":"you might have to wait twelve months to get up $20, that may be going up and down 10 or $20 in a period of three months now.","start":1410.51,"end":1418.165,"sentiment":"neutral","sentiment_score":-0.1209391113370657}],"sentiment":"neutral","sentiment_score":-0.1209391113370657,"channel":0,"num_words":28,"start":1410.51,"end":1418.165},{"sentences":[{"text":"Oh, okay.","start":1419.29,"end":1419.95,"sentiment":"neutral","sentiment_score":0.0007814560085535041}],"sentiment":"neutral","sentiment_score":0.0007814560085535041,"channel":1,"num_words":2,"start":1419.29,"end":1419.95},{"sentences":[{"text":"Yeah.","start":1421.185,"end":1421.5851,"sentiment":"neutral","sentiment_score":0.014259856194257736},{"text":"So it averages out over, like, a long period.","start":1421.5851,"end":1424.95,"sentiment":"neutral","sentiment_score":0.004218324604961608},{"text":"Like, it averages out over the decade once you go through a normal market cycle.","start":1424.95,"end":1428.5499,"sentiment":"neutral","sentiment_score":0.009876655042171478},{"text":"Like, this thing happens every time there's a financial crisis, a COVID, a war.","start":1428.5499,"end":1433.2899,"sentiment":"neutral","sentiment_score":-0.077061995065638},{"text":"But I just wanna double check that you're okay with that kind of roller coaster ride until you're closer to retirement.","start":1433.6699,"end":1439.9451,"sentiment":"neutral","sentiment_score":0.022193665006419734}],"sentiment":"neutral","sentiment_score":-0.006873772708543887,"channel":0,"num_words":60,"start":1421.185,"end":1439.9451},{"sentences":[{"text":"I mean, I'd say so.","start":1440.37,"end":1441.65,"sentiment":"neutral","sentiment_score":-0.03945205882191658},{"text":"Yeah.","start":1441.65,"end":1441.97,"sentiment":"neutral","sentiment_score":-0.07857701927423477},{"text":"I mean, we're not close to retirement yet unless we come into some fucking mad amount of money.","start":1441.97,"end":1446.77,"sentiment":"neutral","sentiment_score":-0.3292962635556857},{"text":"So I reckon just leave it.","start":1446.77,"end":1448.71,"sentiment":"neutral","sentiment_score":-0.19232793897390366}],"sentiment":"neutral","sentiment_score":-0.24523792304098607,"channel":1,"num_words":30,"start":1440.37,"end":1448.71},{"sentences":[{"text":"Yep.","start":1450.18,"end":1450.68,"sentiment":"neutral","sentiment_score":0.08036515861749649},{"text":"So, basically, grow it as much as we can.","start":1451.14,"end":1452.9,"sentiment":"neutral","sentiment_score":0.1786147372590171},{"text":"Once you do have the million dollars or whatever the figure is, we can then protect it in those last ten years","start":1452.9,"end":1458.18,"sentiment":"neutral","sentiment_score":0.13692630488764157}],"sentiment":"neutral","sentiment_score":0.1468836406711489,"channel":0,"num_words":32,"start":1450.18,"end":1458.18},{"sentences":[{"text":"Yes.","start":1457.875,"end":1458.375,"sentiment":"neutral","sentiment_score":0.12578079104423523}],"sentiment":"neutral","sentiment_score":0.12578079104423523,"channel":1,"num_words":1,"start":1457.875,"end":1458.375},{"sentences":[{"text":"and and gradually reduce the risk.","start":1458.18,"end":1460.2001,"sentiment":"neutral","sentiment_score":0.1209507758418719}],"sentiment":"neutral","sentiment_score":0.1209507758418719,"channel":0,"num_words":6,"start":1458.18,"end":1460.2001},{"sentences":[{"text":"Yes.","start":1460.835,"end":1461.335,"sentiment":"neutral","sentiment_score":0.18583032488822937}],"sentiment":"neutral","sentiment_score":0.18583032488822937,"channel":1,"num_words":1,"start":1460.835,"end":1461.335},{"sentences":[{"text":"One thing I will do, though, is I'm having a look at the investment options, and that's on one of the reports in that email pack I sent you.","start":1461.38,"end":1469.755,"sentiment":"neutral","sentiment_score":0.11188011308168543}],"sentiment":"neutral","sentiment_score":0.11188011308168543,"channel":0,"num_words":29,"start":1461.38,"end":1469.755},{"sentences":[{"text":"Yes.","start":1470.115,"end":1470.57,"sentiment":"neutral","sentiment_score":0.21163725852966309}],"sentiment":"neutral","sentiment_score":0.21163725852966309,"channel":1,"num_words":1,"start":1470.115,"end":1470.57},{"sentences":[{"text":"We've got there's about eight or nine options there.","start":1471.095,"end":1474.2949,"sentiment":"neutral","sentiment_score":0.17195933312177658},{"text":"Most of them have done pretty fantastic.","start":1474.2949,"end":1476.075,"sentiment":"positive","sentiment_score":0.569746903010777},{"text":"Like, you're in battery tech and lithium, which is electric vehicles, and that's about a 114%, something ridiculous like that.","start":1476.215,"end":1483.75,"sentiment":"neutral","sentiment_score":0.18496716506779193}],"sentiment":"neutral","sentiment_score":0.25653348945909077,"channel":0,"num_words":36,"start":1471.095,"end":1483.75},{"sentences":[{"text":"Nice.","start":1484.1699,"end":1484.6699,"sentiment":"positive","sentiment_score":0.6369928121566772}],"sentiment":"positive","sentiment_score":0.6369928121566772,"channel":1,"num_words":1,"start":1484.1699,"end":1484.6699},{"sentences":[{"text":"Most of the shares are pretty good.","start":1486.53,"end":1487.9701,"sentiment":"positive","sentiment_score":0.4784486932413919},{"text":"One of them in particular, though, I'm concerned about is your Australian shares in Venmo.","start":1487.9701,"end":1492.9501,"sentiment":"neutral","sentiment_score":-0.06326079790790876},{"text":"That","start":1493.665,"end":1494.165,"sentiment":"neutral","sentiment_score":-0.15005216002464294}],"sentiment":"neutral","sentiment_score":0.09783377061071603,"channel":0,"num_words":23,"start":1486.53,"end":1494.165},{"sentences":[{"text":"Okay.","start":1493.805,"end":1494.305,"sentiment":"neutral","sentiment_score":-0.26989445090293884}],"sentiment":"neutral","sentiment_score":-0.26989445090293884,"channel":1,"num_words":1,"start":1493.805,"end":1494.305},{"sentences":[{"text":"dropped significantly compared to the Australian share market and other Australian share option.","start":1494.465,"end":1501.125,"sentiment":"negative","sentiment_score":-0.34777152423675245},{"text":"So","start":1501.665,"end":1502.165,"sentiment":"neutral","sentiment_score":-0.19972093403339383}],"sentiment":"negative","sentiment_score":-0.3371964820793697,"channel":0,"num_words":14,"start":1494.465,"end":1502.165},{"sentences":[{"text":"Mhmm.","start":1501.78,"end":1502.28,"sentiment":"neutral","sentiment_score":-0.08151962608098984}],"sentiment":"neutral","sentiment_score":-0.08151962608098984,"channel":1,"num_words":1,"start":1501.78,"end":1502.28},{"sentences":[{"text":"just for a bit of an engine tune up, I kind of wanna get a bit of a replacement option for that one.","start":1502.225,"end":1507.29,"sentiment":"neutral","sentiment_score":-0.05814794467195221}],"sentiment":"neutral","sentiment_score":-0.05814794467195221,"channel":0,"num_words":23,"start":1502.225,"end":1507.29},{"sentences":[{"text":"Okay.","start":1507.86,"end":1508.36,"sentiment":"neutral","sentiment_score":-0.054960813373327255}],"sentiment":"neutral","sentiment_score":-0.054960813373327255,"channel":1,"num_words":1,"start":1507.86,"end":1508.36},{"sentences":[{"text":"And I think if we're gonna do, like, the income protection, I'll send you, like, an updated statement of advice with the insurance recommendation in there.","start":1509.93,"end":1518.89,"sentiment":"neutral","sentiment_score":0.11071392320669614},{"text":"And then I would","start":1518.89,"end":1519.53,"sentiment":"neutral","sentiment_score":0.07732969336211681}],"sentiment":"neutral","sentiment_score":0.10626269256075223,"channel":0,"num_words":30,"start":1509.93,"end":1519.53},{"sentences":[{"text":"Yep.","start":1519.465,"end":1519.965,"sentiment":"neutral","sentiment_score":0.07136514782905579}],"sentiment":"neutral","sentiment_score":0.07136514782905579,"channel":1,"num_words":1,"start":1519.465,"end":1519.965},{"sentences":[{"text":"just like to replace that one option in the super and maybe mix in a bit of, like, gold in there, bit of alternative","start":1519.53,"end":1526.825,"sentiment":"neutral","sentiment_score":0.10117151262238622}],"sentiment":"neutral","sentiment_score":0.10117151262238622,"channel":0,"num_words":24,"start":1519.53,"end":1526.825},{"sentences":[{"text":"Yep.","start":1526.345,"end":1526.845,"sentiment":"neutral","sentiment_score":0.07418733835220337}],"sentiment":"neutral","sentiment_score":0.07418733835220337,"channel":1,"num_words":1,"start":1526.345,"end":1526.845},{"sentences":[{"text":"just to diversify you a little bit.","start":1526.885,"end":1528.325,"sentiment":"neutral","sentiment_score":0.11019226163625717},{"text":"Is that okay?","start":1528.325,"end":1529.065,"sentiment":"neutral","sentiment_score":0.11212034275134404}],"sentiment":"neutral","sentiment_score":0.11077068597078324,"channel":0,"num_words":10,"start":1526.885,"end":1529.065},{"sentences":[{"text":"Yeah.","start":1529.51,"end":1529.67,"sentiment":"neutral","sentiment_score":0.09480097889900208},{"text":"Yeah.","start":1529.67,"end":1529.99,"sentiment":"neutral","sentiment_score":0.18392644822597504},{"text":"Sounds good.","start":1529.99,"end":1530.79,"sentiment":"positive","sentiment_score":0.3980320990085602},{"text":"Whatever you say.","start":1530.79,"end":1531.83,"sentiment":"neutral","sentiment_score":0.19941036899884543},{"text":"I understand about","start":1531.83,"end":1533.05,"sentiment":"neutral","sentiment_score":0.11881318191687266}],"sentiment":"neutral","sentiment_score":0.20294622778892518,"channel":1,"num_words":10,"start":1529.51,"end":1533.05},{"sentences":[{"text":"Perfect.","start":1533.125,"end":1533.625,"sentiment":"neutral","sentiment_score":0.2285691797733307}],"sentiment":"neutral","sentiment_score":0.2285691797733307,"channel":0,"num_words":1,"start":1533.125,"end":1533.625},{"sentences":[{"text":"18% of it, so that's why you're here.","start":1533.35,"end":1535.69,"sentiment":"neutral","sentiment_score":0.17874030210077763}],"sentiment":"neutral","sentiment_score":0.17874030210077763,"channel":1,"num_words":8,"start":1533.35,"end":1535.69},{"sentences":[{"text":"Hey.","start":1536.9299,"end":1537.1699,"sentiment":"neutral","sentiment_score":0.05782046541571617},{"text":"Look.","start":1537.1699,"end":1537.4099,"sentiment":"neutral","sentiment_score":0.05351856350898743},{"text":"It's a it's a gradual thing.","start":1537.4099,"end":1538.61,"sentiment":"neutral","sentiment_score":0.04747444701691469},{"text":"I wouldn't expect anyone after, you know, one or two conversations to really get it, and you do pay us for","start":1538.61,"end":1543.6499,"sentiment":"neutral","sentiment_score":-0.00409380089314211}],"sentiment":"neutral","sentiment_score":0.010697099733455428,"channel":0,"num_words":29,"start":1536.9299,"end":1543.6499},{"sentences":[{"text":"No.","start":1543.545,"end":1544.045,"sentiment":"neutral","sentiment_score":-0.1489785760641098}],"sentiment":"neutral","sentiment_score":-0.1489785760641098,"channel":1,"num_words":1,"start":1543.545,"end":1544.045},{"sentences":[{"text":"a reason.","start":1543.6499,"end":1544.23,"sentiment":"neutral","sentiment_score":-0.13452710211277008},{"text":"But","start":1544.37,"end":1544.69,"sentiment":"neutral","sentiment_score":-0.08337222039699554}],"sentiment":"neutral","sentiment_score":-0.11747547487417857,"channel":0,"num_words":3,"start":1543.6499,"end":1544.69},{"sentences":[{"text":"But,","start":1544.665,"end":1544.825,"sentiment":"neutral","sentiment_score":-0.040700264275074005}],"sentiment":"neutral","sentiment_score":-0.040700264275074005,"channel":1,"num_words":1,"start":1544.665,"end":1544.825},{"sentences":[{"text":"as","start":1544.69,"end":1544.85,"sentiment":"neutral","sentiment_score":-0.015629619359970093}],"sentiment":"neutral","sentiment_score":-0.015629619359970093,"channel":0,"num_words":1,"start":1544.69,"end":1544.85},{"sentences":[{"text":"I","start":1544.825,"end":1544.905,"sentiment":"neutral","sentiment_score":-0.011884905397891998}],"sentiment":"neutral","sentiment_score":-0.011884905397891998,"channel":1,"num_words":1,"start":1544.825,"end":1544.905},{"sentences":[{"text":"long","start":1544.85,"end":1545.0099,"sentiment":"neutral","sentiment_score":-0.011126205325126648}],"sentiment":"neutral","sentiment_score":-0.011126205325126648,"channel":0,"num_words":1,"start":1544.85,"end":1545.0099},{"sentences":[{"text":"mean,","start":1544.905,"end":1545.225,"sentiment":"neutral","sentiment_score":-0.005775805562734604}],"sentiment":"neutral","sentiment_score":-0.005775805562734604,"channel":1,"num_words":1,"start":1544.905,"end":1545.225},{"sentences":[{"text":"as you","start":1545.0099,"end":1545.25,"sentiment":"neutral","sentiment_score":-0.010883624665439129}],"sentiment":"neutral","sentiment_score":-0.010883624665439129,"channel":0,"num_words":2,"start":1545.0099,"end":1545.25},{"sentences":[{"text":"you","start":1545.225,"end":1545.385,"sentiment":"neutral","sentiment_score":-0.010319055989384651}],"sentiment":"neutral","sentiment_score":-0.010319055989384651,"channel":1,"num_words":1,"start":1545.225,"end":1545.385},{"sentences":[{"text":"kind","start":1545.25,"end":1545.4099,"sentiment":"neutral","sentiment_score":-0.008231695741415024}],"sentiment":"neutral","sentiment_score":-0.008231695741415024,"channel":0,"num_words":1,"start":1545.25,"end":1545.4099},{"sentences":[{"text":"use,","start":1545.385,"end":1545.545,"sentiment":"neutral","sentiment_score":-0.010511931031942368}],"sentiment":"neutral","sentiment_score":-0.010511931031942368,"channel":1,"num_words":1,"start":1545.385,"end":1545.545},{"sentences":[{"text":"of","start":1545.4099,"end":1545.57,"sentiment":"neutral","sentiment_score":-0.020261641591787335}],"sentiment":"neutral","sentiment_score":-0.020261641591787335,"channel":0,"num_words":1,"start":1545.4099,"end":1545.57},{"sentences":[{"text":"yeah,","start":1545.545,"end":1545.785,"sentiment":"neutral","sentiment_score":-0.02377406507730484}],"sentiment":"neutral","sentiment_score":-0.02377406507730484,"channel":1,"num_words":1,"start":1545.545,"end":1545.785},{"sentences":[{"text":"know","start":1545.57,"end":1545.8899,"sentiment":"neutral","sentiment_score":-0.009677596390247343}],"sentiment":"neutral","sentiment_score":-0.009677596390247343,"channel":0,"num_words":1,"start":1545.57,"end":1545.8899},{"sentences":[{"text":"you","start":1545.785,"end":1545.945,"sentiment":"neutral","sentiment_score":-0.016334187239408493}],"sentiment":"neutral","sentiment_score":-0.016334187239408493,"channel":1,"num_words":1,"start":1545.785,"end":1545.945},{"sentences":[{"text":"what","start":1545.8899,"end":1546.0499,"sentiment":"neutral","sentiment_score":-0.016754237934947014}],"sentiment":"neutral","sentiment_score":-0.016754237934947014,"channel":0,"num_words":1,"start":1545.8899,"end":1546.0499},{"sentences":[{"text":"use","start":1545.945,"end":1546.265,"sentiment":"neutral","sentiment_score":-0.01774848997592926}],"sentiment":"neutral","sentiment_score":-0.01774848997592926,"channel":1,"num_words":1,"start":1545.945,"end":1546.265},{"sentences":[{"text":"I'm","start":1546.0499,"end":1546.2899,"sentiment":"neutral","sentiment_score":-0.022676676511764526}],"sentiment":"neutral","sentiment_score":-0.022676676511764526,"channel":0,"num_words":1,"start":1546.0499,"end":1546.2899},{"sentences":[{"text":"financial","start":1546.265,"end":1546.765,"sentiment":"neutral","sentiment_score":-0.019474368542432785}],"sentiment":"neutral","sentiment_score":-0.019474368542432785,"channel":1,"num_words":1,"start":1546.265,"end":1546.765},{"sentences":[{"text":"doing and what.","start":1546.2899,"end":1547.35,"sentiment":"neutral","sentiment_score":-0.04164254913727442}],"sentiment":"neutral","sentiment_score":-0.04164254913727442,"channel":0,"num_words":3,"start":1546.2899,"end":1547.35},{"sentences":[{"text":"advisers because they know their shit.","start":1546.905,"end":1549.065,"sentiment":"neutral","sentiment_score":-0.15400187919537225},{"text":"Right?","start":1549.065,"end":1549.565,"sentiment":"neutral","sentiment_score":-0.02660030499100685},{"text":"And we don't.","start":1549.865,"end":1550.585,"sentiment":"neutral","sentiment_score":-0.05011152848601341},{"text":"So,","start":1550.585,"end":1550.905,"sentiment":"neutral","sentiment_score":0.038345612585544586}],"sentiment":"neutral","sentiment_score":-0.09660005027597601,"channel":1,"num_words":11,"start":1546.905,"end":1550.905},{"sentences":[{"text":"Yeah.","start":1550.625,"end":1551.125,"sentiment":"neutral","sentiment_score":0.1606331318616867}],"sentiment":"neutral","sentiment_score":0.1606331318616867,"channel":0,"num_words":1,"start":1550.625,"end":1551.125},{"sentences":[{"text":"yeah, I'm happy to diversify it sounds smart.","start":1550.905,"end":1553.885,"sentiment":"positive","sentiment_score":0.49089667946100235}],"sentiment":"positive","sentiment_score":0.49089667946100235,"channel":1,"num_words":8,"start":1550.905,"end":1553.885},{"sentences":[{"text":"Perfect.","start":1555.105,"end":1555.605,"sentiment":"positive","sentiment_score":0.5587025880813599},{"text":"So I'll mix all those two in together over the next couple of weeks.","start":1555.985,"end":1558.945,"sentiment":"neutral","sentiment_score":0.28780660778284073},{"text":"I'm actually going on maternity leave in June for my third.","start":1558.945,"end":1562.705,"sentiment":"neutral","sentiment_score":0.16991312666372818},{"text":"I have a daughter on the way.","start":1562.705,"end":1564.245,"sentiment":"neutral","sentiment_score":0.17341758736542293}],"sentiment":"neutral","sentiment_score":0.23245341217879092,"channel":0,"num_words":33,"start":1555.105,"end":1564.245},{"sentences":[{"text":"Oh, nice.","start":1563.84,"end":1564.5,"sentiment":"neutral","sentiment_score":0.30085836350917816}],"sentiment":"neutral","sentiment_score":0.30085836350917816,"channel":1,"num_words":2,"start":1563.84,"end":1564.5},{"sentences":[{"text":"So, yeah, family leave.","start":1564.29,"end":1569.03,"sentiment":"neutral","sentiment_score":0.14750432968139648},{"text":"So I'll try and get you guys in before I go in the first two weeks of June.","start":1571.73,"end":1577.3301,"sentiment":"neutral","sentiment_score":0.13131638823284042},{"text":"So towards the end of the month, if that's okay, I'd like to just","start":1577.3301,"end":1580.475,"sentiment":"neutral","sentiment_score":0.13769384207470076}],"sentiment":"neutral","sentiment_score":0.13559516933229235,"channel":0,"num_words":36,"start":1564.29,"end":1580.475},{"sentences":[{"text":"Yep.","start":1580.285,"end":1580.785,"sentiment":"neutral","sentiment_score":0.12431012094020844}],"sentiment":"neutral","sentiment_score":0.12431012094020844,"channel":1,"num_words":1,"start":1580.285,"end":1580.785},{"sentences":[{"text":"run you through that policy and the updates.","start":1580.475,"end":1583.375,"sentiment":"neutral","sentiment_score":0.1086483234539628}],"sentiment":"neutral","sentiment_score":0.1086483234539628,"channel":0,"num_words":8,"start":1580.475,"end":1583.375},{"sentences":[{"text":"Yeah.","start":1583.97,"end":1584.21,"sentiment":"neutral","sentiment_score":0.05011232942342758},{"text":"Yeah.","start":1584.21,"end":1584.4501,"sentiment":"neutral","sentiment_score":0.05353382974863053},{"text":"No dramas.","start":1584.4501,"end":1585.2001,"sentiment":"neutral","sentiment_score":0.05764961801469326}],"sentiment":"neutral","sentiment_score":0.054736348800361156,"channel":1,"num_words":4,"start":1583.97,"end":1585.2001},{"sentences":[{"text":"Cool.","start":1586.875,"end":1587.375,"sentiment":"positive","sentiment_score":0.42023688554763794},{"text":"Everything's going really well with the super.","start":1587.675,"end":1589.435,"sentiment":"positive","sentiment_score":0.5812029668263027},{"text":"I don't really see too much of a reason to try and, you know, pump any cash flow or contributions in there because you've got really good contributions and long term growth.","start":1589.435,"end":1598.45,"sentiment":"neutral","sentiment_score":0.26793326856568456},{"text":"You've got your cash flow priorities while you still have Vienna and Kindy and obviously building up towards those out of super investments.","start":1598.6699,"end":1606.855,"sentiment":"neutral","sentiment_score":0.24691245996433756},{"text":"So are","start":1606.9149,"end":1607.635,"sentiment":"neutral","sentiment_score":0.06132669188082218}],"sentiment":"neutral","sentiment_score":0.29021788015961647,"channel":0,"num_words":65,"start":1586.875,"end":1607.635},{"sentences":[{"text":"Yeah.","start":1607.555,"end":1608.055,"sentiment":"neutral","sentiment_score":0.11274218559265135}],"sentiment":"neutral","sentiment_score":0.11274218559265135,"channel":1,"num_words":1,"start":1607.555,"end":1608.055},{"sentences":[{"text":"you okay just to kind of let the employer contributions do their thing as well?","start":1607.635,"end":1611.815,"sentiment":"neutral","sentiment_score":0.15534655451774598}],"sentiment":"neutral","sentiment_score":0.15534655451774598,"channel":0,"num_words":15,"start":1607.635,"end":1611.815},{"sentences":[{"text":"Yeah.","start":1611.96,"end":1612.28,"sentiment":"neutral","sentiment_score":0.09319992363452911},{"text":"Yeah.","start":1612.28,"end":1612.52,"sentiment":"neutral","sentiment_score":0.13261231780052185},{"text":"For sure.","start":1612.52,"end":1613.34,"sentiment":"neutral","sentiment_score":0.22209715098142624}],"sentiment":"neutral","sentiment_score":0.16750163584947586,"channel":1,"num_words":4,"start":1611.96,"end":1613.34},{"sentences":[{"text":"Fantastic.","start":1614.995,"end":1615.495,"sentiment":"positive","sentiment_score":0.5429452061653137},{"text":"I have thrown quite a bit more information at you than I would normally in a review, But do you have any questions so far?","start":1616.355,"end":1622.5499,"sentiment":"neutral","sentiment_score":0.23116328284144402}],"sentiment":"neutral","sentiment_score":0.24315489527697748,"channel":0,"num_words":26,"start":1614.995,"end":1622.5499},{"sentences":[{"text":"No.","start":1623.16,"end":1623.4,"sentiment":"neutral","sentiment_score":-0.06267000734806061},{"text":"No.","start":1623.4,"end":1623.64,"sentiment":"neutral","sentiment_score":-0.003481900319457054},{"text":"All good.","start":1623.64,"end":1624.275,"sentiment":"neutral","sentiment_score":0.16910166293382645}],"sentiment":"neutral","sentiment_score":0.06801285455003381,"channel":1,"num_words":4,"start":1623.16,"end":1624.275},{"sentences":[{"text":"Cool.","start":1625.97,"end":1626.47,"sentiment":"neutral","sentiment_score":0.10402941703796388},{"text":"Now with that pack that I've sent you, that's obviously got the certificate of the policy, performance reports, updated service guide with us, or","start":1627.09,"end":1635.585,"sentiment":"neutral","sentiment_score":0.12016082772364219}],"sentiment":"neutral","sentiment_score":0.11951557129621505,"channel":0,"num_words":25,"start":1625.97,"end":1635.585},{"sentences":[{"text":"Mhmm.","start":1635.555,"end":1636.055,"sentiment":"neutral","sentiment_score":0.05793599784374237}],"sentiment":"neutral","sentiment_score":0.05793599784374237,"channel":1,"num_words":1,"start":1635.555,"end":1636.055},{"sentences":[{"text":"licensing information and so on.","start":1635.585,"end":1637.585,"sentiment":"neutral","sentiment_score":0.04560824930667877},{"text":"There's also your ongoing service agreement in there as well.","start":1637.585,"end":1641.0449,"sentiment":"neutral","sentiment_score":0.08336547538638114},{"text":"So you guys are still on that partner discount rate of 1.1% for the","start":1641.4249,"end":1647.105,"sentiment":"neutral","sentiment_score":0.07970498236162323}],"sentiment":"neutral","sentiment_score":0.07508847425723898,"channel":0,"num_words":29,"start":1635.585,"end":1647.105},{"sentences":[{"text":"Yes.","start":1647.0199,"end":1647.5199,"sentiment":"neutral","sentiment_score":0.05608474463224411}],"sentiment":"neutral","sentiment_score":0.05608474463224411,"channel":1,"num_words":1,"start":1647.0199,"end":1647.5199},{"sentences":[{"text":"super only.","start":1647.105,"end":1647.905,"sentiment":"neutral","sentiment_score":0.04612120985984802},{"text":"Like I said, I've excluded the investment portfolio.","start":1647.905,"end":1651.4401,"sentiment":"neutral","sentiment_score":0.02470566309057176}],"sentiment":"neutral","sentiment_score":0.028988772444427012,"channel":0,"num_words":10,"start":1647.105,"end":1651.4401},{"sentences":[{"text":"Yeah.","start":1651.215,"end":1651.715,"sentiment":"neutral","sentiment_score":0.056864142417907715}],"sentiment":"neutral","sentiment_score":0.056864142417907715,"channel":1,"num_words":1,"start":1651.215,"end":1651.715},{"sentences":[{"text":"Are you still comfortable for us to look after your super cater?","start":1651.98,"end":1655.12,"sentiment":"neutral","sentiment_score":0.056379570004840694}],"sentiment":"neutral","sentiment_score":0.056379570004840694,"channel":0,"num_words":12,"start":1651.98,"end":1655.12},{"sentences":[{"text":"Yeah.","start":1655.455,"end":1655.695,"sentiment":"neutral","sentiment_score":0.12057774513959885},{"text":"Yeah.","start":1655.695,"end":1656.195,"sentiment":"neutral","sentiment_score":0.26288777589797974}],"sentiment":"neutral","sentiment_score":0.1917327605187893,"channel":1,"num_words":2,"start":1655.455,"end":1656.195},{"sentences":[{"text":"Perfect.","start":1658.62,"end":1659.12,"sentiment":"positive","sentiment_score":0.5035071969032288},{"text":"With that new Odoo sign system that we're using, it's pretty similar to DocuSign.","start":1660.14,"end":1665.04,"sentiment":"neutral","sentiment_score":0.2655519481216158},{"text":"If you can try and draw the signature on there, it's usually better than the stamp it automatically puts.","start":1666.0751,"end":1672.655,"sentiment":"neutral","sentiment_score":0.25966010203486994},{"text":"And I think if you actually, like, click on the signature box, it'll let you actually do a drawing on there.","start":1673.3551,"end":1679.34,"sentiment":"neutral","sentiment_score":0.15838053609643662}],"sentiment":"neutral","sentiment_score":0.22692304849624634,"channel":0,"num_words":55,"start":1658.62,"end":1679.34},{"sentences":[{"text":"Yeah.","start":1679.5751,"end":1679.895,"sentiment":"neutral","sentiment_score":0.06703898310661316}],"sentiment":"neutral","sentiment_score":0.06703898310661316,"channel":1,"num_words":1,"start":1679.5751,"end":1679.895},{"sentences":[{"text":"If not,","start":1679.58,"end":1680.0599,"sentiment":"neutral","sentiment_score":0.04545162431895733}],"sentiment":"neutral","sentiment_score":0.04545162431895733,"channel":0,"num_words":2,"start":1679.58,"end":1680.0599},{"sentences":[{"text":"Okay.","start":1679.895,"end":1680.395,"sentiment":"neutral","sentiment_score":0.09772628545761108}],"sentiment":"neutral","sentiment_score":0.09772628545761108,"channel":1,"num_words":1,"start":1679.895,"end":1680.395},{"sentences":[{"text":"it's not gonna cause any issues with Hub.","start":1680.0599,"end":1682.0599,"sentiment":"neutral","sentiment_score":0.060076238587498665},{"text":"They're pretty good with it.","start":1682.0599,"end":1683.36,"sentiment":"positive","sentiment_score":0.46859064102172854},{"text":"But if you have any issues, just give the team a call.","start":1683.6599,"end":1687.12,"sentiment":"neutral","sentiment_score":0.09141560023029645}],"sentiment":"neutral","sentiment_score":0.15682201266288756,"channel":0,"num_words":25,"start":1680.0599,"end":1687.12},{"sentences":[{"text":"Yeah.","start":1689.0951,"end":1689.415,"sentiment":"neutral","sentiment_score":0.02819191664457321},{"text":"No.","start":1689.415,"end":1689.735,"sentiment":"neutral","sentiment_score":-0.023756634443998337},{"text":"Easy done.","start":1689.735,"end":1690.4551,"sentiment":"neutral","sentiment_score":0.061885369941592216},{"text":"I think I've I think I've done it.","start":1690.4551,"end":1692.375,"sentiment":"neutral","sentiment_score":-0.016680596309015527},{"text":"Yeah.","start":1692.375,"end":1692.6951,"sentiment":"neutral","sentiment_score":-0.027219172567129135}],"sentiment":"neutral","sentiment_score":-0.0024967631504226187,"channel":1,"num_words":13,"start":1689.0951,"end":1692.6951},{"sentences":[{"text":"It tried to put Kaylee Foster previously, Smith, and it didn't even fit in the box.","start":1692.6951,"end":1696.74,"sentiment":"neutral","sentiment_score":-0.08732047653757036},{"text":"I was like, alright.","start":1696.74,"end":1697.64,"sentiment":"neutral","sentiment_score":-0.0563597499858588},{"text":"So I've just done my little scribble","start":1697.7,"end":1700.28,"sentiment":"neutral","sentiment_score":-0.007232377871072718}],"sentiment":"neutral","sentiment_score":-0.06197012109785444,"channel":1,"num_words":27,"start":1692.6951,"end":1700.28},{"sentences":[{"text":"Yeah.","start":1700.315,"end":1700.5549,"sentiment":"neutral","sentiment_score":0.009986293502151966}],"sentiment":"neutral","sentiment_score":0.009986293502151966,"channel":0,"num_words":1,"start":1700.315,"end":1700.5549},{"sentences":[{"text":"as best","start":1700.34,"end":1700.82,"sentiment":"neutral","sentiment_score":0.019653303548693657}],"sentiment":"neutral","sentiment_score":0.019653303548693657,"channel":1,"num_words":2,"start":1700.34,"end":1700.82},{"sentences":[{"text":"It stamps","start":1700.5549,"end":1701.195,"sentiment":"neutral","sentiment_score":0.016423307359218597}],"sentiment":"neutral","sentiment_score":0.016423307359218597,"channel":0,"num_words":2,"start":1700.5549,"end":1701.195},{"sentences":[{"text":"you can","start":1700.82,"end":1701.22,"sentiment":"neutral","sentiment_score":0.014410935342311859}],"sentiment":"neutral","sentiment_score":0.014410935342311859,"channel":1,"num_words":2,"start":1700.82,"end":1701.22},{"sentences":[{"text":"your","start":1701.195,"end":1701.695,"sentiment":"neutral","sentiment_score":0.006640242412686348}],"sentiment":"neutral","sentiment_score":0.006640242412686348,"channel":0,"num_words":1,"start":1701.195,"end":1701.695},{"sentences":[{"text":"on a phone","start":1701.22,"end":1702.04,"sentiment":"neutral","sentiment_score":0.005248635075986385}],"sentiment":"neutral","sentiment_score":0.005248635075986385,"channel":1,"num_words":3,"start":1701.22,"end":1702.04},{"sentences":[{"text":"name.","start":1702.075,"end":1702.575,"sentiment":"neutral","sentiment_score":-0.008573571220040321}],"sentiment":"neutral","sentiment_score":-0.008573571220040321,"channel":0,"num_words":1,"start":1702.075,"end":1702.575},{"sentences":[{"text":"screen.","start":1702.18,"end":1702.68,"sentiment":"neutral","sentiment_score":-0.0018222234211862087}],"sentiment":"neutral","sentiment_score":-0.0018222234211862087,"channel":1,"num_words":1,"start":1702.18,"end":1702.68},{"sentences":[{"text":"Yeah.","start":1704.17,"end":1704.41,"sentiment":"neutral","sentiment_score":-0.015142790973186491},{"text":"It never looks right, but it's it's","start":1704.41,"end":1706.27,"sentiment":"neutral","sentiment_score":-0.042645772120782306}],"sentiment":"neutral","sentiment_score":-0.03920789947733283,"channel":0,"num_words":8,"start":1704.17,"end":1706.27},{"sentences":[{"text":"No.","start":1706.1951,"end":1706.435,"sentiment":"neutral","sentiment_score":-0.07935693860054016},{"text":"Never.","start":1706.435,"end":1706.835,"sentiment":"neutral","sentiment_score":-0.0913255289196968}],"sentiment":"neutral","sentiment_score":-0.08534123376011848,"channel":1,"num_words":2,"start":1706.1951,"end":1706.835},{"sentences":[{"text":"close enough","start":1706.49,"end":1707.05,"sentiment":"neutral","sentiment_score":-0.04637075401842594}],"sentiment":"neutral","sentiment_score":-0.04637075401842594,"channel":0,"num_words":2,"start":1706.49,"end":1707.05},{"sentences":[{"text":"It's like","start":1706.835,"end":1707.155,"sentiment":"neutral","sentiment_score":-0.042525479570031166}],"sentiment":"neutral","sentiment_score":-0.042525479570031166,"channel":1,"num_words":2,"start":1706.835,"end":1707.155},{"sentences":[{"text":"to","start":1707.05,"end":1707.21,"sentiment":"neutral","sentiment_score":-0.03540432080626488}],"sentiment":"neutral","sentiment_score":-0.03540432080626488,"channel":0,"num_words":1,"start":1707.05,"end":1707.21},{"sentences":[{"text":"when","start":1707.155,"end":1707.3151,"sentiment":"neutral","sentiment_score":-0.03579038381576538}],"sentiment":"neutral","sentiment_score":-0.03579038381576538,"channel":1,"num_words":1,"start":1707.155,"end":1707.3151},{"sentences":[{"text":"the","start":1707.21,"end":1707.37,"sentiment":"neutral","sentiment_score":-0.04291437938809395}],"sentiment":"neutral","sentiment_score":-0.04291437938809395,"channel":0,"num_words":1,"start":1707.21,"end":1707.37},{"sentences":[{"text":"you","start":1707.3151,"end":1707.475,"sentiment":"neutral","sentiment_score":-0.048176106065511703}],"sentiment":"neutral","sentiment_score":-0.048176106065511703,"channel":1,"num_words":1,"start":1707.3151,"end":1707.475},{"sentences":[{"text":"license,","start":1707.37,"end":1707.85,"sentiment":"neutral","sentiment_score":-0.04260893538594246}],"sentiment":"neutral","sentiment_score":-0.04260893538594246,"channel":0,"num_words":1,"start":1707.37,"end":1707.85},{"sentences":[{"text":"sign for","start":1707.475,"end":1708.035,"sentiment":"neutral","sentiment_score":-0.05550036206841469}],"sentiment":"neutral","sentiment_score":-0.05550036206841469,"channel":1,"num_words":2,"start":1707.475,"end":1708.035},{"sentences":[{"text":"I guess.","start":1707.85,"end":1708.43,"sentiment":"neutral","sentiment_score":-0.08093900978565216}],"sentiment":"neutral","sentiment_score":-0.08093900978565216,"channel":0,"num_words":2,"start":1707.85,"end":1708.43},{"sentences":[{"text":"a parcel, it's like there's no proof that that's me.","start":1708.035,"end":1710.835,"sentiment":"neutral","sentiment_score":-0.10373938828706741},{"text":"But do you know what?","start":1710.835,"end":1711.795,"sentiment":"neutral","sentiment_score":-0.0507702112197876},{"text":"Whatever.","start":1711.795,"end":1712.295,"sentiment":"neutral","sentiment_score":-0.02704560197889805},{"text":"Okay.","start":1713.555,"end":1713.875,"sentiment":"neutral","sentiment_score":0.0976947695016861},{"text":"Cool.","start":1713.875,"end":1714.1951,"sentiment":"neutral","sentiment_score":0.2501998543739319}],"sentiment":"neutral","sentiment_score":-0.053910884281827345,"channel":1,"num_words":18,"start":1708.035,"end":1714.1951},{"sentences":[{"text":"It's just oh, I think it should be with you.","start":1714.1951,"end":1716.775,"sentiment":"neutral","sentiment_score":0.26839870065450666},{"text":"It should be good.","start":1717.075,"end":1719.335,"sentiment":"positive","sentiment_score":0.49717608094215393}],"sentiment":"positive","sentiment_score":0.3337636664509773,"channel":1,"num_words":14,"start":1714.1951,"end":1719.335},{"sentences":[{"text":"Alright.","start":1719.155,"end":1719.635,"sentiment":"neutral","sentiment_score":0.2290927767753601},{"text":"I'll give a little refresh there.","start":1719.635,"end":1721.475,"sentiment":"neutral","sentiment_score":0.15288458640376726},{"text":"Yep.","start":1721.475,"end":1721.715,"sentiment":"neutral","sentiment_score":0.26379936933517456},{"text":"That's all good.","start":1721.715,"end":1722.515,"sentiment":"positive","sentiment_score":0.43660053610801697},{"text":"And it would have given","start":1722.515,"end":1723.395,"sentiment":"neutral","sentiment_score":0.2710257112979889}],"sentiment":"neutral","sentiment_score":0.25469561433419585,"channel":0,"num_words":16,"start":1719.155,"end":1723.395},{"sentences":[{"text":"Alright.","start":1723.29,"end":1723.79,"sentiment":"neutral","sentiment_score":0.1916951984167099}],"sentiment":"neutral","sentiment_score":0.1916951984167099,"channel":1,"num_words":1,"start":1723.29,"end":1723.79},{"sentences":[{"text":"you a pop up box if you wanted to download a signed copy as well.","start":1723.395,"end":1727.335,"sentiment":"neutral","sentiment_score":0.19416061639785767}],"sentiment":"neutral","sentiment_score":0.19416061639785767,"channel":0,"num_words":15,"start":1723.395,"end":1727.335},{"sentences":[{"text":"Yeah.","start":1727.05,"end":1727.37,"sentiment":"neutral","sentiment_score":0.19586122035980225},{"text":"Yeah.","start":1727.37,"end":1727.85,"sentiment":"neutral","sentiment_score":0.2543555498123169},{"text":"All good.","start":1727.85,"end":1728.41,"sentiment":"positive","sentiment_score":0.4458371251821518},{"text":"I've got my confirmation email and shit.","start":1728.41,"end":1731.53,"sentiment":"neutral","sentiment_score":0.149180178131376},{"text":"I'll be able to get it if I need it.","start":1731.53,"end":1733.63,"sentiment":"neutral","sentiment_score":0.25789587050676344}],"sentiment":"neutral","sentiment_score":0.2364338558344614,"channel":1,"num_words":21,"start":1727.05,"end":1733.63},{"sentences":[{"text":"Sensational.","start":1735.15,"end":1735.65,"sentiment":"neutral","sentiment_score":0.2461838722229004},{"text":"So that's pretty much it for the review.","start":1735.9501,"end":1737.79,"sentiment":"neutral","sentiment_score":0.2122845547273755},{"text":"I've got a bit of a direction for the insurance and the super.","start":1737.79,"end":1741.01,"sentiment":"neutral","sentiment_score":0.20084712883600822},{"text":"Is there anything else I can do for you before I leave you for your week?","start":1741.47,"end":1744.725,"sentiment":"neutral","sentiment_score":0.08018175209872425}],"sentiment":"neutral","sentiment_score":0.1536416057497263,"channel":0,"num_words":38,"start":1735.15,"end":1744.725},{"sentences":[{"text":"No.","start":1745.255,"end":1745.495,"sentiment":"neutral","sentiment_score":-0.11673122644424438},{"text":"No.","start":1745.495,"end":1745.735,"sentiment":"neutral","sentiment_score":-0.07524795830249786},{"text":"All good.","start":1745.735,"end":1746.135,"sentiment":"neutral","sentiment_score":0.24428799748420715},{"text":"Thank you for your help.","start":1746.135,"end":1747.2,"sentiment":"positive","sentiment_score":0.6003146767616272}],"sentiment":"positive","sentiment_score":0.3664633548922009,"channel":1,"num_words":9,"start":1745.255,"end":1747.2},{"sentences":[{"text":"No worries at all.","start":1748.725,"end":1749.865,"sentiment":"neutral","sentiment_score":0.22634940966963768},{"text":"I'll get going on the research.","start":1750.085,"end":1751.465,"sentiment":"neutral","sentiment_score":0.3069823731978734},{"text":"Just expect a call from the team in a couple of weeks to book you in with me, and we can","start":1751.525,"end":1755.605,"sentiment":"neutral","sentiment_score":0.17213414680390132}],"sentiment":"neutral","sentiment_score":0.20522932131444255,"channel":0,"num_words":31,"start":1748.725,"end":1755.605},{"sentences":[{"text":"Yep.","start":1755.6,"end":1756.1,"sentiment":"neutral","sentiment_score":0.14624518156051636}],"sentiment":"neutral","sentiment_score":0.14624518156051636,"channel":1,"num_words":1,"start":1755.6,"end":1756.1},{"sentences":[{"text":"get all that applied for and finalized.","start":1755.605,"end":1757.465,"sentiment":"neutral","sentiment_score":0.191051470381873}],"sentiment":"neutral","sentiment_score":0.191051470381873,"channel":0,"num_words":7,"start":1755.605,"end":1757.465},{"sentences":[{"text":"Alright.","start":1758.1599,"end":1758.5599,"sentiment":"positive","sentiment_score":0.3780772387981415},{"text":"Perfect.","start":1758.5599,"end":1759.0599,"sentiment":"positive","sentiment_score":0.6636908054351807},{"text":"Thanks for your help.","start":1759.12,"end":1759.9199,"sentiment":"positive","sentiment_score":0.7024769932031631},{"text":"Speak to you soon.","start":1759.9199,"end":1760.72,"sentiment":"positive","sentiment_score":0.34710387140512466},{"text":"Bye bye.","start":1760.72,"end":1761.2369,"sentiment":"neutral","sentiment_score":0.22698068618774414}],"sentiment":"positive","sentiment_score":0.4745044062534968,"channel":1,"num_words":12,"start":1758.1599,"end":1761.2369},{"sentences":[{"text":"Amazing, Kelly.","start":1761.4169,"end":1762.2169,"sentiment":"positive","sentiment_score":0.6171010136604309},{"text":"See you later.","start":1762.2169,"end":1762.9369,"sentiment":"positive","sentiment_score":0.49023281534512836},{"text":"Bye.","start":1762.9369,"end":1763.4369,"sentiment":"neutral","sentiment_score":0.15872210264205933}],"sentiment":"positive","sentiment_score":0.477270429333051,"channel":0,"num_words":6,"start":1761.4169,"end":1763.4369}]},"summary":{"result":"success","short":"A senior adviser from Asic discusses the possibility of covering up to 70% of the speaker's income and explains the standard waiting periods for income protection. They also discuss the possibility of adding coverage for health and dental expenses and the speaker provides a quote for their current policy. The agent discusses insurance policies and retirement plans with the speaker, including out of pocket coverage and a full tax deduction. They also mention the possibility of investing in properties and negative gearing with commercial tenants. The speaker provides information on their investment portfolio and financial situation, including their retirement plans and the possibility of replacing their current option with gold. They also discuss estate planning and the speaker recommends a new insurance policy. The speaker provides information on their insurance policy and advises updating their policy."},"intents":{"segments":[{"text":"I'm just giving you a call to go through both your annual review, and I believe you had some questions around income protection. Is that right? Yeah.","start_word":22,"end_word":48,"intents":[{"intent":"Provide information","confidence_score":0.12525171}]},{"text":"So if it's okay with you, I'm gonna pop through an annual review pack to your email address and Okay. just go through a quick security check, update a few details, and get a few ideas together if that's alright. Yeah.","start_word":83,"end_word":123,"intents":[{"intent":"Add annual review pack","confidence_score":0.17403978}]},{"text":"So just as usual, calls are always recorded. And are you okay to confirm for security your date of birth and address, please? 09/2009.","start_word":127,"end_word":150,"intents":[{"intent":"Update security details","confidence_score":0.018796891}]},{"text":"I've got your email address here, Kaylee Foster. So that's your updated email address. Correct? Yeah.","start_word":170,"end_word":185,"intents":[{"intent":"Confirm email address","confidence_score":0.018456135}]},{"text":"So I'll just pop that through to you now. Will you be able to look on any of the documents with me today, or should I just kind of look through what's there? Yeah.","start_word":187,"end_word":220,"intents":[{"intent":"Check documents","confidence_score":0.10700085}]},{"text":"So I'm gonna send that through now. There's a number of attachments that go along with it and a Okay. digital authorization link as well. Mhmm.","start_word":230,"end_word":255,"intents":[{"intent":"Send documents","confidence_score":0.10672399}]},{"text":"I'm just gonna go through the details that we have because I'm trying to make sure everything on the new system updates and matches for both of you guys. Yes.","start_word":331,"end_word":360,"intents":[{"intent":"Update system and match","confidence_score":0.07503984}]},{"text":"So quick question on that one is you've got Myla listed as your beneficiary for the super to receive all the superannuation. Would you like Yeah.","start_word":473,"end_word":498,"intents":[{"intent":"Provide superannuation information","confidence_score":0.0035045168}]},{"text":"So quick question on that one is you've got Myla listed as your beneficiary for the super to receive all the superannuation. Would you like Yeah. to update that? Yeah.","start_word":473,"end_word":502,"intents":[{"intent":"Update beneficiary information","confidence_score":0.6965628}]},{"text":"Can you just briefly walk me through I think your income was listed as a $140,000 base. Yes. Yes.","start_word":604,"end_word":622,"intents":[{"intent":"Provide income","confidence_score":0.007393436},{"intent":"Clarify tax base","confidence_score":0.000072004186}]},{"text":"I don't I don't know what Joe's is set at. I can't remember what Sevi said to do it. He kinda guided us with the initial setup of Joe's because we didn't have a clue. So Yeah.","start_word":1021,"end_word":1057,"intents":[{"intent":"Clarify joe's intent","confidence_score":0.00004000155}]},{"text":"So well, on I'm not on the road so much now, to be honest. It's more I work from home four days a week. So I do primarily Teams meetings because we're aligned with Telstra and they've obviously got, like, a national presence.","start_word":1381,"end_word":1423,"intents":[{"intent":"Ask about company's history","confidence_score":0.0000011377474}]},{"text":"So well, on I'm not on the road so much now, to be honest. It's more I work from home four days a week. So I do primarily Teams meetings because we're aligned with Telstra and they've obviously got, like, a national presence. So we yeah. I generally do most of my meetings from home. I'm not driving too much anymore. Perfect.","start_word":1381,"end_word":1442,"intents":[{"intent":"Discuss workplace activities","confidence_score":0.00006184048}]},{"text":"I'll just be able to chat. That's it. Be a good talker. Yeah.","start_word":1518,"end_word":1530,"intents":[{"intent":"Connect with colleagues","confidence_score":0.0010777551}]},{"text":"So based on that being kind of office space, so to speak, and a 140,000, you're probably looking at a double a occupation rating, which is the second best outside of, like, a lawyer. So that should Yep.","start_word":1550,"end_word":1587,"intents":[{"intent":"Provide employment rating","confidence_score":0.0008156511}]},{"text":"So I'm just wondering if you've had any health concerns between October No. 2020 Nothing.","start_word":1708,"end_word":1722,"intents":[{"intent":"Inquire about employee health","confidence_score":0.0047279596}]},{"text":"And if you're temporarily out of work for a long period of time, income protection can kick in as well. Yeah.","start_word":2081,"end_word":2101,"intents":[{"intent":"Discuss income protection","confidence_score":0.061739232}]},{"text":"Because it's kind of matching, like, where you haven't had a significant drop in liabilities.","start_word":2110,"end_word":2124,"intents":[{"intent":"Discuss match between portfolios","confidence_score":0.0000013725447}]},{"text":"we'd probably trim it down as you pay down the debts. But Yeah.","start_word":2145,"end_word":2157,"intents":[{"intent":"Propose to trim debt","confidence_score":0.000023697632}]},{"text":"I think you had a car there with about the GLC. I think you got 68,000 on the car loan. Yeah.","start_word":2185,"end_word":2205,"intents":[{"intent":"Discuss glc","confidence_score":0.03950397}]},{"text":"got a pretty solid idea about what to do with the income protection. I do Yep.","start_word":2285,"end_word":2300,"intents":[{"intent":"Clarify options for portfolio","confidence_score":0.0000014005592}]},{"text":"able to put aside a decent amount into, like, surplus cash flow, would you say? Yeah.","start_word":2408,"end_word":2423,"intents":[{"intent":"Suggest additional cash flow","confidence_score":0.00002782948},{"intent":"Suggest future cash flow for cash flow","confidence_score":3.101713e-9}]},{"text":"kind of invest that for more properties down the line or just get the debt down? We wanna invest in more properties because, like, we obviously came to this country late. So whilst you guys are obviously helping you build, you got the super, you you still don't wanna just hedge your back just on that. So we wanna kind of keep building up those assets.","start_word":2695,"end_word":2760,"intents":[{"intent":"Plan future investments","confidence_score":0.00967337}]},{"text":"So we wanna kind of keep building up those assets.","start_word":2751,"end_word":2760,"intents":[{"intent":"Build assets","confidence_score":0.001964436}]},{"text":"We we do have financial approval to purchase another property at the moment, but I just haven't found anything that's quite right, and I don't want negatively geared. I want it to be, like, at least breaking even. So I'm holding Yeah. off until the property market comes itself down because everything is just insane still at the moment. Yeah.","start_word":2762,"end_word":2821,"intents":[{"intent":"Obtain property approval","confidence_score":0.00405201}]},{"text":"When interest rates were almost zero, it was really easy to get positively geared properties. But now Yeah.","start_word":2821,"end_word":2838,"intents":[{"intent":"Evaluate interest rates","confidence_score":0.009920716},{"intent":"Express concern about mortgage rates","confidence_score":0.00013320553}]},{"text":"Have you And considered even, like, going looking yeah.","start_word":2859,"end_word":2867,"intents":[{"intent":"Consider options","confidence_score":0.11253625},{"intent":"Consider options","confidence_score":0.12659937}]},{"text":"So I looked as far out as bloody Mount Isa, but then there's a whole ramification about borrowing from Mount Isa because it's a high risk area. Because there's some really good Yep. cash flow properties out there, but it's obviously really high risk too because if the mine closes, you're screwed because then there's no one to live in the house. So, Yeah.","start_word":3014,"end_word":3077,"intents":[{"intent":"Reject borrowing from mount isa","confidence_score":0.00077758153}]},{"text":"So it's it's just it's a risky time. Like, I'm not opposed to investing now.","start_word":3092,"end_word":3106,"intents":[{"intent":"Discuss potential future investments","confidence_score":0.00012580807}]},{"text":"Now with that pack that I've sent you, that's obviously got the certificate of the policy, performance reports, updated service guide with us, or Mhmm. licensing information and so on.","start_word":4521,"end_word":4550,"intents":[{"intent":"Provide service guide","confidence_score":0.035716962},{"intent":"Provide certificate of policy","confidence_score":0.0947334}]},{"text":"So you guys are still on that partner discount rate of 1.1% for the Yes. super only.","start_word":4560,"end_word":4576,"intents":[{"intent":"Discuss partner discount rate","confidence_score":0.02213137}]},{"text":"Like I said, I've excluded the investment portfolio. Yeah.","start_word":4577,"end_word":4585,"intents":[{"intent":"Exclude investment portfolio","confidence_score":0.010724657}]},{"text":"Are you still comfortable for us to look after your super cater? Yeah.","start_word":4586,"end_word":4598,"intents":[{"intent":"Ask for assistance","confidence_score":0.008668294}]},{"text":"it's not gonna cause any issues with Hub. They're pretty good with it. But if you have any issues, just give the team a call. Yeah.","start_word":4659,"end_word":4684,"intents":[{"intent":"Suggest team contact","confidence_score":0.0007663096}]},{"text":"I've got my confirmation email and shit. I'll be able to get it if I need it. Sensational.","start_word":4828,"end_word":4845,"intents":[{"intent":"Explain email","confidence_score":0.0000021899407},{"intent":"Provide confirmation email","confidence_score":0.18403208}]},{"text":"Just expect a call from the team in a couple of weeks to book you in with me, and we can Yep. get all that applied for and finalized.","start_word":4902,"end_word":4930,"intents":[{"intent":"Book appointment","confidence_score":0.14375044}]}]},"sentiments":{"segments":[{"text":"Hey. How are you doing?","start_word":0,"end_word":4,"sentiment":"neutral","sentiment_score":0.23576191067695615},{"text":"Good morning, Kaylee.","start_word":5,"end_word":7,"sentiment":"positive","sentiment_score":0.3673364818096161},{"text":"It's Tommy here, one of the senior advisers. I'm doing Yeah.","start_word":8,"end_word":18,"sentiment":"neutral","sentiment_score":0.21561039984226227},{"text":"Good. Thank you.","start_word":19,"end_word":21,"sentiment":"positive","sentiment_score":0.6884066462516785},{"text":"I'm just giving you a call to go through both your annual review, and I believe you had some questions around income protection. Is that right? Yeah. I basically just wanted to add it because when we first started with you guys, we only added it for my husband, but I just wanted to add it for myself as well.","start_word":22,"end_word":81,"sentiment":"neutral","sentiment_score":0.18096217513084412},{"text":"Perfect. So if it's okay with you, I'm gonna pop through an annual review pack to your email address and Okay.","start_word":82,"end_word":102,"sentiment":"positive","sentiment_score":0.3881361782550812},{"text":"just go through a quick security check, update a few details, and get a few ideas together if that's alright. Yeah.","start_word":103,"end_word":123,"sentiment":"neutral","sentiment_score":0.23734857141971588},{"text":"All good. Perfect.","start_word":124,"end_word":126,"sentiment":"positive","sentiment_score":0.5505186915397644},{"text":"So just as usual, calls are always recorded. And are you okay to confirm for security your date of birth and address, please? 09/2009.","start_word":127,"end_word":150,"sentiment":"neutral","sentiment_score":0.1408131867647171},{"text":"Perfect. Thank you, Kaylee.","start_word":151,"end_word":154,"sentiment":"positive","sentiment_score":0.4842805862426758},{"text":"And I'm registered with Asic as adviser one two seven three one zero. Now Yes. I've got your email address here, Kaylee Foster. So that's your updated email address. Correct? Yeah. Yep. So I'll just pop that through to you now. Will you be able to look on any of the documents with me today, or should I just kind of look through what's there? Yeah. I'll I'll be right to look through then. Cool. So I'm gonna send that through now. There's a number of attachments that go along with it and a Okay. digital authorization link as well. Mhmm. It is coming from our new system, so it might go through your spam box or main inbox. So No. if you I've can just got it. check Tommy both. I'm not gonna pronounce that surname, but Tommy. Yeah. It's It's you. Croatia. Yeah. Yep. Alright.","start_word":155,"end_word":301,"sentiment":"neutral","sentiment_score":0.06043180823326111},{"text":"Perfect. Sweet.","start_word":302,"end_word":303,"sentiment":"positive","sentiment_score":0.3830282688140869},{"text":"So there's PDF attachments at the bottom, and that Mhmm. includes performance reports for both hub accounts as well as your current account policy. So Yes. I'm just gonna go through the details that we have because I'm trying to make sure everything on the new system updates and matches for both of you guys. Yes. And I'm gonna just kind of wait So just bear with me for a moment. I'm just gonna run through what we have. Yes. So we've got you're obviously married to Joe. You've got Lila, just the one child at the moment. Yep. No. I've got two.","start_word":304,"end_word":406,"sentiment":"neutral","sentiment_score":0.06872728315082569},{"text":"Fantastic.","start_word":407,"end_word":407,"sentiment":"positive","sentiment_score":0.6766454577445984},{"text":"And I did see something, I think, in twenty twenty four, twenty five that you were off for about six weeks or so. Is that Yeah. your Yeah. So second yeah. shot I've about got two? a yeah. So she's two now. So yeah. So two dependents. Okay. And your second daughter's name? Vienna. Vienna. Is that with a n n a? Yes.","start_word":408,"end_word":470,"sentiment":"neutral","sentiment_score":0.04707928374409675},{"text":"Perfect.","start_word":471,"end_word":471,"sentiment":"positive","sentiment_score":0.41351157426834106},{"text":"Okay. So quick question on that one is you've got Myla listed as your beneficiary for the super to receive all the superannuation. Would you like Yeah. to update that? Yeah. You should probably do both of them. Yep. So just a fifty fifty split between them. Yes, Perfect. Now just bear in mind, please. of course, to anyone who's under 18, if you pass away and they receive your super, whoever's kind of their guardian for general or whoever at the time, they'll obviously be looking after the funds on their behalf until they're 18. Yes.","start_word":472,"end_word":568,"sentiment":"neutral","sentiment_score":0.06832491606473923},{"text":"All good. Perfect. We're still in Upper Kumara, so that's great.","start_word":569,"end_word":579,"sentiment":"positive","sentiment_score":0.4444555342197418},{"text":"When it comes to the occupation side of it, so you're still Yeah. with Hexicore, I believe. That's coming through from your contributions. Yep. Can you just briefly walk me through I think your income was listed as a $140,000 base. Yes. Yes. That's right. Okay. Do you have anything above that in terms of bonuses or anything that I need to take into account? Yeah. I do get bonuses. It fluctuates, so obviously, it's based on invoicing. I think at the moment, this financial year today, I'm I've got about 50 k ish. 50 So k say in bonuses. I've yeah.","start_word":580,"end_word":681,"sentiment":"neutral","sentiment_score":0.040246936985675025},{"text":"Wow. That's amazing. Almost at the $200,000 mark. You probably will hit that for the year.","start_word":682,"end_word":697,"sentiment":"positive","sentiment_score":0.5247039198875427},{"text":"Yes. He is open.","start_word":698,"end_word":701,"sentiment":"neutral","sentiment_score":0.26278233528137207},{"text":"Okay. Fantastic.","start_word":702,"end_word":703,"sentiment":"positive","sentiment_score":0.5427608489990234},{"text":"When it comes to income protection, you can cover up to 70% of your income. Do you want me to just base it on the $140,000 base income? Do you want me to try and bump it up a little bit? I would I would say probably just do it on the base because it like I said, it does fluctuate. So I don't wanna over commit. Do You know what I mean? I think yeah. And that's the thing is that I want you being over insured and then you go to claim and you give in your twelve month income and they pay you on a lesser amount than what you've Yeah. been Precisely. paying premiums for. Yeah. Yeah. So I reckon it's just safer to base it on the base. Obviously, on the provider that hopefully I'll never need it. A 100%. With your 140 k base, that pretty much gives you a cover amount of 8,166 per month before tax. So Yep. call it just under 2,000 a week, you would get after tax. Would that Yep. still be okay for expenses and the luck? Yeah. Yeah. I'm I'm sure we would make it work. I mean, right now, we'd be surviving on Joe's if we were both fucked, So I think it's better than what we've got Yeah. now. So Absolutely. yeah. All good. Now we can choose between different waiting periods and benefit periods. So the standard waiting period is thirty days being out of work, SQL injured. You can Yep. push that out to sixty or ninety days if you would rather, like, rely on savings and have a more affordable policy. Do you have a preference either way? Sorry. What was that? So thirty days or sixty to ninety? Yeah. Thirty, sixty, or ninety are the the. I mean, I'd need to probably know what the difference is. I don't I don't know what Joe's is set at. I can't remember what Sevi said to do it. He kinda guided us with the initial setup of Joe's because we didn't have a clue. So Yeah. I think if yeah. I was to try and give you a bit of a guide, because you're young and pretty much in a white collar occupation, your life and TPD premiums are very, very cheap. So it's Yeah. under Okay. a thousand dollars for you to have 1,200,000 of both. So the Yeah. standard you would do would be a thirty day wait and a benefit period all the way up to the age of 65.","start_word":704,"end_word":1133,"sentiment":"neutral","sentiment_score":0.037710226760354154},{"text":"That Okay. would be ideal.","start_word":1134,"end_word":1138,"sentiment":"positive","sentiment_score":0.41060659289360046},{"text":"Okay. Sure. Let's let's go with that then. Yep. If there's any issues where I see really high premiums that may impact, like, the group of the growth of your super or anything like that, I'll obviously look to maybe trim it down to two years or five years for short term Yeah. injury. Okay.","start_word":1139,"end_word":1193,"sentiment":"neutral","sentiment_score":-0.09761610627174376},{"text":"But if it's only gonna be a couple of grand given your contributions, balance, and growth, it's not really gonna have a big impact.","start_word":1194,"end_word":1217,"sentiment":"negative","sentiment_score":-0.35928693413734436},{"text":"Yeah. Sure thing. K? Now you do have the option to actually pay for income protection out of pocket and get a full tax deduction for it or pay it through the super, and you only get a 15% rebate unless you salary sacrifice the premiums. Did you want me to look at an out of pocket policy or just put it through the super? Look at the out of pocket, I guess, and see where we stand with that. Yep. Now they'll be pretty much identical policies anyway. It is just a Yeah. little bit easier to claim on out of pocket, but most of the insurers have built in benefits to kind of work through definitions out of super anyway. I'll do Sure. up a quote for both. K. Duties wise, so are you still essentially in, like, a sales role? Yes. Like, BDM type, you're always kind of on Yep. the road Precisely. meeting clients. Yep. Yeah. Yeah. BDM. So well, on I'm not on the road so much now, to be honest. It's more I work from home four days a week. So I do primarily Teams meetings because we're aligned with Telstra and they've obviously got, like, a national presence. So we yeah. I generally do most of my meetings from home. I'm not driving too much anymore.","start_word":1218,"end_word":1440,"sentiment":"neutral","sentiment_score":0.043494124600304614},{"text":"Perfect.","start_word":1441,"end_word":1441,"sentiment":"positive","sentiment_score":0.4289171695709229},{"text":"And do you work five days, or is it just before from home? Four from home and Amazing. then one Okay.","start_word":1442,"end_word":1462,"sentiment":"neutral","sentiment_score":0.15295948088169098},{"text":"from That'll the make office, it pretty one good.","start_word":1463,"end_word":1471,"sentiment":"positive","sentiment_score":0.40534594655036926},{"text":"from Brisbane. Now I know that there's probably not too much in the way of qualifications that would match for your role, But did you have to put in did you have to get any kind of degrees or specific qualifications for your role? No. No. I'll just be able to chat. That's it. Be a good talker. Yeah. That's it. Do you have any staff under you in terms of managing staff? No. Hell Perfect. no. Alright. So based on that being kind of office space, so to speak, and a 140,000, you're probably looking at a double a occupation rating, which is the second best outside of, like, a lawyer. So that should Yep. be quite quite affordable. Now I'm gonna do a quote through Tal just to add income protection on. Obviously, you will go through that underwriting check for occupation and medical. Did you want me to look at if there's any other providers to offer all three at, like, a cheaper price, or you're happy just to kind of add on the one policy and just go with TAO still? I mean, yeah, I guess it makes sense to look at all the options. Yep. Now one thing I'm just having a look at with your current policy through Tout is I mentioned before Yeah. and you had that in place. I'm just trying to look. Your commencement date was 2021. So I'm just wondering if you've had any health concerns between October No. 2020 Nothing. one till now. Nada. Perfect. So we'll pretty much try to prefill 90 of an application using what was used for your previous Yep. life application.","start_word":1472,"end_word":1748,"sentiment":"neutral","sentiment_score":0.07000146066561502},{"text":"And Perfect. if that's all good Yeah.","start_word":1749,"end_word":1755,"sentiment":"positive","sentiment_score":0.3783780038356781},{"text":"for you, No we can just no changes. give that Didn't start smoking. Didn't start any of that shit. So it should all still be very much current. sensational.","start_word":1756,"end_word":1784,"sentiment":"neutral","sentiment_score":-0.0782153531908989},{"text":"So that's nice and easy.","start_word":1785,"end_word":1789,"sentiment":"positive","sentiment_score":0.5207945108413696},{"text":"What about with the cover amounts for the life and CBD? I know you've still got, well, previously, well over 1,000,000 worth of debt in terms of the home and the investment property. Is that still the case? Oh, yeah. Probably. Let me think. Oh, blah blah blah blah. Fuck. I could probably check on HSBC. So I think we had about 750,000 owing on the home, $6.40 owing on the investment property approximately. Yeah. It would be around that because we did do an equity release to do some work at home. I'm just gonna jump into HSBC and check. Thank you.","start_word":1790,"end_word":1892,"sentiment":"neutral","sentiment_score":-0.04644754156470299},{"text":"It feels fucking let me log in.","start_word":1893,"end_word":1899,"sentiment":"negative","sentiment_score":-0.4865549504756927},{"text":"Yeah. Away is the one.","start_word":1900,"end_word":1904,"sentiment":"neutral","sentiment_score":-0.22377142310142517},{"text":"I I actually detest HSBC. Their online banking is bullshit, and they've blocked me out the app.","start_word":1905,"end_word":1921,"sentiment":"negative","sentiment_score":-0.4336584210395813},{"text":"So I have to log in via a browser, which is fucking Oh, ridiculous. Yeah. No. It's a bollock. Okay. So one no. 48. Let me scroll down. Alright. 148735. That's not 8. 788. And investment. Fuck. It doesn't like me. I'm scrolling on the browser, which is Yeah. I super think annoying. the only two that I found that are good is, like, Commonwealth and NAB have some pretty decent apps, but most banks Yeah.","start_word":1922,"end_word":1997,"sentiment":"neutral","sentiment_score":-0.16142375767230988},{"text":"are pretty terrible for it.","start_word":1998,"end_word":2002,"sentiment":"negative","sentiment_score":-0.3662571609020233},{"text":"Yeah. So yeah. 1.33. Yeah. Probably about, like, 1.45 ish Combined for all going. all Yeah. loans. For everything. Yep. Perfect. You've never gone through, like, a bankruptcy or a debt agreement before, have you? No. Perfect. Do you want me to do any alteration for that cover amount for the 1.2 mil? Do you think because that obviously covers your your main residence mortgage pretty solid, leaves you another half a mil plus super on top. And if you're temporarily out of work for a long period of time, income protection can kick in as well. Yeah. So would you say it's it's it's okay Yeah. Because it's kind of matching, like, where you haven't had a significant drop in liabilities. Normally, it if you're getting into your forties and is? the policy starts getting up to 3 or $4, Yep. we'd probably trim it down as you pay down the debts. But Yeah. if that's still pretty stable, I would probably Yeah. keep it around the same. Alright. Sweetheart, let's do that then. Yep. We've got just the other assets. I think you had a car there with about the GLC. I think you got 68,000 on the car loan. Yeah. I don't I'm I paid that out, but I still have the car. Yep. Perfect. And I think the other asset was solar and then your investment account. There's no other scans or crypto or anything floating around as they can. No. It's a Joe question about crypto. Probably not. I reckon it all tanked. I don't think so. No. I think that's it. Perfect. Alrighty. So that's pretty much all the details up to date there. I've Yep. got a pretty solid idea about what to do with the income protection. I do Yep. have to ask the question if you wanted me to get you a quote for trauma insurance, which is kind For of what? like a it's called trauma, and it's like a a small lump sum if you have, like, a heart attack, stroke, or cancer to pay for, like, medical bills or your partner taking time off work, but nothing that is causing death or permanent disability. No. I don't reckon. Yep. That's totally fine. Can I just ask, cash flow wise, how are you guys going with your I know you're doing some equity release and renovations and so on? Are you guys still Yep. able to put aside a decent amount into, like, surplus cash flow, would you say? Yeah. We put it we just put 500 a fortnight into, like, a offset type thing. Yes. So we've got that. Obviously, once my kid is out of Kindy, I will be $30 a year, almost better off, so that would be nice. But, Yes. yeah, it's sort of one of those where yeah. Well, at the moment, yeah, like, our educate our education fees are, like, $35 a year. So, like, what sorry. Vienna's Yeah. a $20 out of that. So once she's out of kindy, we'll have and she goes into Lila's private school, which is insane because we save money by putting her in private school, but, like, we'll have an It's extra crazy, maybe isn't it? if it's a joke. She sits in finger paints and they charge just fucking $25 a year. But I've yeah. got the same thing with the six and three year old. It's crazy. Oh, it's just insane. Like, how how is the private school cheaper than the kindy? Like, she literally just stands around and covers herself in sand. But yeah. So once she's, like I think once she's three, she can go into the school's kindy, which I do think is a bit cheaper. So we'll have a bit more of a surplus, and then we'll hopefully be able to start putting back into the shared portfolio because that's what we obviously wanna be doing. But, yeah, just for now, we're we're pretty good just with the offset, I think. Yep. Yep.","start_word":2003,"end_word":2675,"sentiment":"neutral","sentiment_score":0.031260081604752764},{"text":"Amazing. So everything is going into offset. That's obviously building up equity in there.","start_word":2676,"end_word":2689,"sentiment":"positive","sentiment_score":0.42191606760025024},{"text":"Are you looking to Yeah. kind of invest that for more properties down the line or just get the debt down? We wanna invest in more properties because, like, we obviously came to this country late. So whilst you guys are obviously helping you build, you got the super, you you still don't wanna just hedge your back just on that.","start_word":2690,"end_word":2750,"sentiment":"neutral","sentiment_score":0.2008991837501526},{"text":"So we wanna kind of keep building up those assets.","start_word":2751,"end_word":2760,"sentiment":"positive","sentiment_score":0.36012810468673706},{"text":"We we do have financial approval to purchase another property at the moment, but I just haven't found anything that's quite right, and I don't want negatively geared. I want it to be, like, at least breaking even. So I'm holding Yeah. off until the property market comes itself down because everything is just insane still at the moment. Yeah. When interest rates were almost zero, it was really easy to get positively geared properties. But now Yeah. that it's gone up, most of Yeah. them are Exactly. just it's hard to even break even. Well, that's right. Have you And considered even, like, going looking yeah. I was just gonna say anything kind of outside of the area. Have you considered rural or commercial or anything like that, or you would just Well, I did have an interest in commercial. The problem is because we don't have a cash deposit, the property is effectively gonna be 100% mortgage. And therefore, Yeah.","start_word":2761,"end_word":2922,"sentiment":"neutral","sentiment_score":-0.08325423300266266},{"text":"again, we have the issue with negative gearing with commercial tenancy.","start_word":2923,"end_word":2933,"sentiment":"negative","sentiment_score":-0.41231220960617065},{"text":"We we're we've been, like, preapproved. We said we can they my broker said we can sort of comfortably get something around the 800,000 mark.","start_word":2934,"end_word":2958,"sentiment":"neutral","sentiment_score":-0.2537527084350586},{"text":"But, again, like, you can't get nothing for that on the Gold Coast. And even if you can, like, you you're gonna be negatively dead because it's only let out for fucking 800 a week, and you need a grand a week just to cover the mortgage.","start_word":2959,"end_word":3005,"sentiment":"negative","sentiment_score":-0.5260754823684692},{"text":"And then Yep. I looked at further out. So I looked as far out as bloody Mount Isa, but then there's a whole ramification about borrowing from Mount Isa because it's a high risk area. Because there's some really good Yep.","start_word":3006,"end_word":3046,"sentiment":"neutral","sentiment_score":-0.2483668178319931},{"text":"cash flow properties out there, but it's obviously really high risk too because if the mine closes, you're screwed because then there's no one to live in the house.","start_word":3047,"end_word":3075,"sentiment":"negative","sentiment_score":-0.4225071668624878},{"text":"So, Yeah. yes, Between I have the been mines, looking the insurances and rights. Yeah. Exactly. So it's it's just it's a risky time. Like, I'm not opposed to investing now.","start_word":3076,"end_word":3106,"sentiment":"neutral","sentiment_score":-0.20978260040283203},{"text":"I just I genuinely just haven't found the right option.","start_word":3107,"end_word":3116,"sentiment":"negative","sentiment_score":-0.4562503397464752},{"text":"And then, yeah, like, you can get cheap properties down in Melbourne, but there's 500 apartments that look exactly the same that are all up for rent. So you then you kinda, like, well, how likely am I to get a tenant in yeah. So Yep. yeah. Lots of moving parts with that one, but, yes, in that was a very long winded way of saying, yes. We will be buying more property, but just not yet.","start_word":3117,"end_word":3193,"sentiment":"neutral","sentiment_score":-0.07991955429315567},{"text":"Perfect. So bit of patience will hopefully pay off there.","start_word":3194,"end_word":3203,"sentiment":"positive","sentiment_score":0.41246089339256287},{"text":"Can you When tell it me? comes to your investment account, because we have a bit of a pause on cash flow, are you okay for me just to kind of let that sit and kind of just do its thing growing? I I think it's just over $10 after the last withdrawal. Yeah. Yeah. I would say so. Yep. So just because the balance is kind of low, I haven't included the investment account in any service agreements or fees. I'd rather just wait for that to be kind of active again. Yeah. So for Yes. the time For being, sure.","start_word":3204,"end_word":3305,"sentiment":"neutral","sentiment_score":0.02439780905842781},{"text":"it's had a pretty phenomenal return of, like, 23 percent.","start_word":3306,"end_word":3315,"sentiment":"positive","sentiment_score":0.3642827570438385},{"text":"So it can just kind of bounce around in the background until it becomes more active. Yeah. Yeah. For sure. Cool. I wouldn't really change anything in terms of the investments Yep. in there because it's doing its thing. So if you're comfortable with that, I can kind of just put a bit of a hold on it, let it invest, and just put a flag in for the team. Yeah. That's fine.","start_word":3316,"end_word":3388,"sentiment":"neutral","sentiment_score":0.1330985277891159},{"text":"Thank you. Amazing.","start_word":3389,"end_word":3391,"sentiment":"positive","sentiment_score":0.466526597738266},{"text":"Actually, last couple of things. So when it comes to estate planning, did you guys end up putting a will in place? Yes. We did. Yes. Do you remember if you put in place a power of attorney as well for, you know, if you can't act on your own behalf? I I don't know, man. We went to the office thing that you go to in Southport where they do it for you. Yep. I don't know. I mean, if I did, it would be Joe. But I I just don't know. It's not really a conversation you wanna remember. It's like, oh, what if you die and your husband die and all your kids die? Like, what do you wanna do then? And I'm like, what? Yeah. It's not it's not the most fun chat. But, yeah, I I really can't remember. Sorry. That's okay. I'll put unknown for the power of attorney, and that's just more for, like, if you're still here and you're in the hospital, it makes it easier for Joe to kind of access a different bank account or talk to the doctors and things like that, which they're pretty good for with spouses. It's just Yep. really Yep. if anything requires you to go to court for probate, there's a delay. As long as Yep. you guys have joint bank accounts, you're not really Yes. Okay. Cool. And the last thing was just with the superannuation. Do you usually log in and keep an eye on the hub every now and then? Yes. I do. Yeah. Yep. We've had a bit of a a rickety rickety few months recently.","start_word":3392,"end_word":3667,"sentiment":"neutral","sentiment_score":-0.0381343808915952},{"text":"Your contributions have really gotten your account still rolling pretty well.","start_word":3668,"end_word":3678,"sentiment":"positive","sentiment_score":0.4347339868545532},{"text":"So I think from Yes. 87,000 up to a 100 and 10. It's only had about a 5% return.","start_word":3679,"end_word":3697,"sentiment":"neutral","sentiment_score":0.042993661016225815},{"text":"Most progressive options have been pretty negative lately.","start_word":3698,"end_word":3705,"sentiment":"negative","sentiment_score":-0.3549589216709137},{"text":"So I just wanted Yes. to kind of flag with you that it's still in the positive for the year, but it's kind of been a bit of a holding pattern with what's going on with the markets at the moment. Yes. Okay. Now because you guys have that goal to kind of have the financial freedom to retire as early as possible towards age 60, that's kind of why you're in a high growth portfolio, pretty much all of this super in growth assets, shares, property, and so on. Are Yeah. you still comfortable with that idea of just going through as much as possible while you're young? Yeah. I'd say so. Why not? Yeah. It's just gonna be that thing where we use a lot of buzzwords in the industry like volatility. And what that basically means is when the market's doing it what it's currently doing, higher highs and lower lows in shorter periods of time. So Yeah. Yeah. whereas I understand. you might have to wait twelve months to get up $20, that may be going up and down 10 or $20 in a period of three months now. Oh, okay. Yeah. So it averages out over, like, a long period. Like, it averages out over the decade once you go through a normal market cycle. Like, this thing happens every time there's a financial crisis, a COVID, a war. But I just wanna double check that you're okay with that kind of roller coaster ride until you're closer to retirement. I mean, I'd say so. Yeah.","start_word":3706,"end_word":3966,"sentiment":"neutral","sentiment_score":0.03329666041665607},{"text":"I mean, we're not close to retirement yet unless we come into some fucking mad amount of money.","start_word":3967,"end_word":3984,"sentiment":"negative","sentiment_score":-0.34048736095428467},{"text":"So I reckon just leave it. Yep. So, basically, grow it as much as we can. Once you do have the million dollars or whatever the figure is, we can then protect it in those last ten years Yes. and and gradually reduce the risk. Yes. One thing I will do, though, is I'm having a look at the investment options, and that's on one of the reports in that email pack I sent you. Yes. We've got there's about eight or nine options there.","start_word":3985,"end_word":4069,"sentiment":"neutral","sentiment_score":0.1162191852927208},{"text":"Most of them have done pretty fantastic.","start_word":4070,"end_word":4076,"sentiment":"positive","sentiment_score":0.5709423422813416},{"text":"Like, you're in battery tech and lithium, which is electric vehicles, and that's about a 114%, something ridiculous like that.","start_word":4077,"end_word":4096,"sentiment":"neutral","sentiment_score":0.1903059482574463},{"text":"Nice. Most of the shares are pretty good.","start_word":4097,"end_word":4104,"sentiment":"positive","sentiment_score":0.5083497762680054},{"text":"One of them in particular, though, I'm concerned about is your Australian shares in Venmo. That Okay.","start_word":4105,"end_word":4121,"sentiment":"neutral","sentiment_score":-0.08400959521532059},{"text":"dropped significantly compared to the Australian share market and other Australian share option.","start_word":4122,"end_word":4134,"sentiment":"negative","sentiment_score":-0.35690411925315857},{"text":"So Mhmm. just for a bit of an engine tune up, I kind of wanna get a bit of a replacement option for that one. Okay. And I think if we're gonna do, like, the income protection, I'll send you, like, an updated statement of advice with the insurance recommendation in there. And then I would Yep. just like to replace that one option in the super and maybe mix in a bit of, like, gold in there, bit of alternative Yep. just to diversify you a little bit. Is that okay? Yeah. Yeah.","start_word":4135,"end_word":4228,"sentiment":"neutral","sentiment_score":0.06071268172657236},{"text":"Sounds good.","start_word":4229,"end_word":4230,"sentiment":"positive","sentiment_score":0.3956817090511322},{"text":"Whatever you say. I understand about Perfect. 18% of it, so that's why you're here. Hey. Look. It's a it's a gradual thing. I wouldn't expect anyone after, you know, one or two conversations to really get it, and you do pay us for No. a reason. But But, as I long mean, as you you kind use, of yeah, know you what use I'm financial doing and what. advisers because they know their shit. Right? And we don't. So, Yeah.","start_word":4231,"end_word":4311,"sentiment":"neutral","sentiment_score":0.016062261536717415},{"text":"yeah, I'm happy to diversify it sounds smart. Perfect.","start_word":4312,"end_word":4320,"sentiment":"positive","sentiment_score":0.48007503151893616},{"text":"So I'll mix all those two in together over the next couple of weeks. I'm actually going on maternity leave in June for my third. I have a daughter on the way. Oh, nice. So, yeah, family leave. So I'll try and get you guys in before I go in the first two weeks of June. So towards the end of the month, if that's okay, I'd like to just Yep. run you through that policy and the updates. Yeah. Yeah. No dramas.","start_word":4321,"end_word":4403,"sentiment":"neutral","sentiment_score":0.1652970016002655},{"text":"Cool. Everything's going really well with the super.","start_word":4404,"end_word":4411,"sentiment":"positive","sentiment_score":0.5381712913513184},{"text":"I don't really see too much of a reason to try and, you know, pump any cash flow or contributions in there because you've got really good contributions and long term growth. You've got your cash flow priorities while you still have Vienna and Kindy and obviously building up towards those out of super investments. So are Yeah. you okay just to kind of let the employer contributions do their thing as well? Yeah. Yeah. For sure.","start_word":4412,"end_word":4488,"sentiment":"neutral","sentiment_score":0.2262797653675079},{"text":"Fantastic.","start_word":4489,"end_word":4489,"sentiment":"positive","sentiment_score":0.5429452061653137},{"text":"I have thrown quite a bit more information at you than I would normally in a review, But do you have any questions so far? No. No. All good. Cool. Now with that pack that I've sent you, that's obviously got the certificate of the policy, performance reports, updated service guide with us, or Mhmm. licensing information and so on. There's also your ongoing service agreement in there as well. So you guys are still on that partner discount rate of 1.1% for the Yes. super only. Like I said, I've excluded the investment portfolio. Yeah. Are you still comfortable for us to look after your super cater? Yeah. Yeah.","start_word":4490,"end_word":4599,"sentiment":"neutral","sentiment_score":0.1159950007091869},{"text":"Perfect.","start_word":4600,"end_word":4600,"sentiment":"positive","sentiment_score":0.5035071969032288},{"text":"With that new Odoo sign system that we're using, it's pretty similar to DocuSign. If you can try and draw the signature on there, it's usually better than the stamp it automatically puts. And I think if you actually, like, click on the signature box, it'll let you actually do a drawing on there. Yeah. If not, Okay. it's not gonna cause any issues with Hub.","start_word":4601,"end_word":4666,"sentiment":"neutral","sentiment_score":0.19464674592018127},{"text":"They're pretty good with it.","start_word":4667,"end_word":4671,"sentiment":"positive","sentiment_score":0.456198513507843},{"text":"But if you have any issues, just give the team a call. Yeah. No. Easy done. I think I've I think I've done it. Yeah. It tried to put Kaylee Foster previously, Smith, and it didn't even fit in the box. I was like, alright. So I've just done my little scribble Yeah. as best It stamps you can your on a phone name. screen. Yeah. It never looks right, but it's it's No. Never. close enough It's like to when the you license, sign for I guess. a parcel, it's like there's no proof that that's me. But do you know what? Whatever. Okay. Cool. It's just oh, I think it should be with you.","start_word":4672,"end_word":4787,"sentiment":"neutral","sentiment_score":-0.00008578830602345988},{"text":"It should be good.","start_word":4788,"end_word":4791,"sentiment":"positive","sentiment_score":0.47700926661491394},{"text":"Alright. I'll give a little refresh there. Yep.","start_word":4792,"end_word":4799,"sentiment":"neutral","sentiment_score":0.1932220757007599},{"text":"That's all good.","start_word":4800,"end_word":4802,"sentiment":"positive","sentiment_score":0.4228253364562988},{"text":"And it would have given Alright. you a pop up box if you wanted to download a signed copy as well. Yeah. Yeah.","start_word":4803,"end_word":4825,"sentiment":"neutral","sentiment_score":0.21097873151302335},{"text":"All good.","start_word":4826,"end_word":4827,"sentiment":"positive","sentiment_score":0.43467527627944946},{"text":"I've got my confirmation email and shit. I'll be able to get it if I need it. Sensational. So that's pretty much it for the review. I've got a bit of a direction for the insurance and the super. Is there anything else I can do for you before I leave you for your week? No. No. All good.","start_word":4828,"end_word":4886,"sentiment":"neutral","sentiment_score":0.1681963609436811},{"text":"Thank you for your help.","start_word":4887,"end_word":4891,"sentiment":"positive","sentiment_score":0.5979008674621582},{"text":"No worries at all. I'll get going on the research. Just expect a call from the team in a couple of weeks to book you in with me, and we can Yep. get all that applied for and finalized.","start_word":4892,"end_word":4930,"sentiment":"neutral","sentiment_score":0.2037642598152161},{"text":"Alright. Perfect. Thanks for your help. Speak to you soon.","start_word":4931,"end_word":4940,"sentiment":"positive","sentiment_score":0.4985867440700531},{"text":"Bye bye.","start_word":4941,"end_word":4942,"sentiment":"neutral","sentiment_score":0.2317289412021637},{"text":"Amazing, Kelly. See you later.","start_word":4943,"end_word":4947,"sentiment":"positive","sentiment_score":0.5604159832000732},{"text":"Bye.","start_word":4948,"end_word":4948,"sentiment":"neutral","sentiment_score":0.2105347365140915}],"average":{"sentiment":"neutral","sentiment_score":0.038781093970571306}}}}