{"metadata":{"transaction_key":"deprecated","request_id":"9c828417-f245-427b-bf3c-b1558a8e7bfc","sha256":"7060ca1aa667730a3dda0a8074d95a4b1352f4ba205abd2952069af923dccaff","created":"2026-03-17T03:52:18.732Z","duration":1178.3519,"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":4911,"output_tokens":128},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5409,"output_tokens":5420},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5409,"output_tokens":648}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Nate. It's Carl calling from HP Financial. How are you today? That's good to hear. I've got you scheduled in for your straight statement of last presentation. Is now still a good time for you? If you're a little bit busy, I know you're sort of caring for your your mother at the the moment there, we can sort of make it pretty quick. And if you can have a read through it in your spare time, if you have any questions, you can come back. Perfect. Just to jump into that today, Nave, if I can just pass through security with your name, date of birth, and current address, we can get stuck into that today. Yep. So just full name, date of birth, and card notice will get going. Perfect. And just given the time that has elapsed since we last sort of spoke to Naif, have anything in regards to your employment or anything changed at the moment? Yep. And then I know you did have that payout when you were made redundant there. Has that sort of mentioned all of you spent money much of that, or is that still sitting there? Yep. And just the the car that's here in the other asset at the moment? Perfect. Anything else that sort of changed in the the last few months since we last spoke? Not a problem. Yep. And have you looked into sort of, like, care support payments and things like that? Yeah. Well, in regards to that, I'm not a 100% sure on what, like, your eligibility would be given the the cash in the bank that you do have. But given that, like, it's not your, like, Centrelink entitlements in regards to, like, JobKeeper and things like that, you may be out of sort of contact Centrelink and have a conversation and see. But just for caring for your mother, if you're eligible for some form of carers allowance and things like that. Just if you're sort of still here and there between work and things like that. You know? It does come with its own set of things in regards, like, estate planning, things like that being care for your parents can impact that. I know within regards to this advice as well, we are recommending going to see a low set up of wheels. So if you do have any questions regarding, like, how carers payments can impact, like, wills and estates and things like that as well, you can have a conversation with them as well. But in regards to this document here, I'll just be sending this to your email address there, nave underscore I'm gonna put you your last name, but then@hotmail.com. Is that still your correct email? Perfect. So this will be there shortly. As I said, you'll be able to sort of review the statement advice, the appendix there. You'll also the Ophi service guide and then the OP financial services guide as well as the PDFs for your current insurance there as well. As far as the advice goes, it is quite straightforward in terms of oh, I think it just didn't send, so I'm just gonna have to resend that. But as far as the device itself, it is just an investment update in regards to, like, the obviously, the assets there and then also the contributions because you aren't working and aren't earning much of an income at the moment. Yeah. So bear with me. I'll just go to redo this document there because it's Sorry. Technology never works when you want it to. So But just while I'm just finishing up that then, Naeve, do you have any questions or concerns at the moment that we sort of haven't discussed or haven't mentioned before jumping in that today? Yep. Yeah. I did include that in this document here as well. So now that I've got that read done there as well, Exactly. And I did include that in the the document. I didn't include the amount you could do given that you are really earning income and then what you get for that as well. So you should have that shortly there. While that's coming through there, Neve, in regards to just the best interest of you, obviously, we can't put you in a better position. We're not gonna sort of make the recommendation. I know, yeah, currently, you're not sort of working at the the the moment, but you are sort of doing a bit of work here and there. You're able to get by on you. So it's just redundancy payment as well as caring for your your mother. So you're on a bit of an in between stage. So at the moment, we just looked at reviewing the superannuation, make sure that your investments were adequate for your current situation. And then just at estate planning, make a recommendation for that, just making sure you have the adequate means in place as well. And I know sort of with caring for your mother and things like that as well, it might be worth sort of her, you know, visiting and getting things sorted just in the event that anything did occur suddenly that, you know, it is a lot easier on your yourself and any sort of other family members like your brother to be able to settle estates and things like that as well. We did also include that the contributions and what was sort of recommended in regards to that given that you aren't currently working there at the moment. Now what we looked at but didn't consider there is insurances. You currently don't have any. You didn't wanna look at any. So within regards to that, just due to the the ADL definition that would have arisen there, you wanna remain sort of uninsured at the moment, so you might wanna revisit it in the future. But at the moment, you're happy sort of working towards being a bit more self insured. As far as the budgeting on the money you do have, you're happy managing that yourself. We can send you the OQ budget planner if you did wanna, you know, have that just for your own per purposes for, you know, budgeting for bills and expenses and things like that as well. No problem. And then as far as employment, you know, you're happy, sort of amazing that yourself would doing work with your mates given that you are caring for your mother. It's a bit hard to go back to full time work. That's understandable. As far as the recommendation to you, we are recommending just staying with Netwealth, change those underlying investments. As far as the lump sum contribution to Netwealth, it's sort of be done by the end of the the financial year. In regards to the strategy for that one, I'll run through it in a second. And then the beneficiaries, setting up beneficiaries, making sure your world's up to date and getting that sorted, and then having a power of attorney in place there as well. Now has that email come through, Niamh, in regards to that? No problem. Are you happy for me to just run through the recommendation and you review the documents later? No problem. Can you at least see that the emails popped up in regards to it to come through just to make sure you have received it? Perfect. So you will have that statement advice. You can review on the attachments. And if you were happy with everything, you can click the link to sign. So I'll make this sort of quickly because that's the sort of main things, Heather, apart from the advice. So on page eight, you'll have your assets or, like, your current situation there. On the next page, I'll be over assets liabilities. In regards to your risk profile, you did score growth, but we're keeping you in line with the high growth. Even though that you aren't working currently, you still wanna aim for those, you know, longer, higher returns over the the long term period, given your time to retirement. So you're happy maintaining that level of risk, and then sort of being in that high growth portfolio to make sure that you have the opportunity to to get those higher returns over the longer period of time, if that still makes sense. Perfect. As far as the recommendation, it being in your best interest there, we are looking at the investment update for yourself. So within regards to that one, the Bennelong Fund wasn't performing for that one. So we're looking at removing that, updating that portfolio there to make sure that it's in your best interest moving forward, removing the underperforming asset, not having the active management moving forward. So with that one there, you won't have the ability to to try and outperform the market, but you will follow the indexes, still have the same allocation to growth assets, and with that, it'll come with less volatility. And then also with that being, you do have a bit of a lower risk tolerance. It does reduce a a level of risk there as well. Even though you still have the potential for those higher returns, it is sort of dictated by those market indices and not sort of a performance manager, which does reduce your costs there as well. Now with that, you know, you do have a lower ongoing cost, which helps sort of go to compounding and having money invested there as well, which also helps why you're not working, contributing. It doesn't mean we can't review it in the future. But overall, your lower investment costs, you'll have it in line with your risk profile. You'll still have access to all of both of your services there as well, and you'll be in in a portfolio that is in line with your your current risk tolerance. Yep. Now the risk of that one is obviously during the changes and things like that as well. You do have the market risk of if things were changed while you sold down to cash that you may sort of forego potential gains. Also, the buy sell cost with switching investments there as well. Obviously, been along being that it did go down will offset some of that. But in saying that in the future, like, it does change daily, so it can't be fully calculated. But in saying that, we did look at, you know, removing you from your your fund, putting into a different fund there as well. That might be a lower cost and have some other advantages. But it did show that, you know, if if you sold down everything, your capital gains would be up around nearly the know, just under the 6,000 mark. So we didn't wanna do a full sell down to make you sort of pay that upfront lump sum cost. So within regards to the investments there, you will be out of Benelung. You still have exposure in Australia. Within regards to your new sort of exposures there as well, you'll be in Vanguard or World, so a bit outside The US as well just with how everything is going as well, having a bit of exposure outside of that. And then you'll also have some bonds just to replace the the bank hybrids you previously had just because they are phasing those out. So not a huge change with that. It is a defensive asset. The rest of your portfolio will just sort of be adjusted in line with that rebalancing and then just removing all that key asset there. It's important to note that you will have a minimum cash balance that Netwealth does hold, which is 1.25% of your current balance there as well. So overall, it will reduce your exposure slightly. You'll be around 95% growth assets, around 5% defensive. Now it's important to note that your alternative growth assets does contain gold around 7%, and that can be considered a bit of a defensive asset as well depending on how the markets are doing. Obviously, in the past few years, it's grown so much that it's been considered a bit more of growth asset currently compared to what it previously has been, and that's how Oakview's decided to allocate it. In terms of the cost savings around the difference, when you include everything, including, like, you know, contributions, investment fees, adviser fees as well, It'll be around $770 in terms of fees you will be saving. That will go towards, you know, investment growth there as well. Fees are obviously projected to be based on, like, your performance there for twelve months as well, and it's just 1.65 of the balance. But, obviously, if, you know, things keep going with the wall and I run thing, it might not be as high as what projected either with what is happening, if that all makes sense. Perfect. You'll be able to see those tables there on page seventeen and eighteen once you get a sense of go through that. It does show you some projections moving forward and what that might look like projected out based on the previous performance, but it's important to note that past performance isn't indicative of future performance there. As far as the contribution goes there, Niamh, recommend that you do a lump sum contribution of a thousand dollars. Now you can break that up into, like, you know, $50 a week over the next sort of few months until the end of the financial year. But if you were to contribute the thousand dollars there as a non concessional contribution there, you do get $500 for the government. So that means given that you aren't working as much and you're not sort of earning over that 40,000 a year currently, it just means that the government will co contribute under up to $500 because of the the thousand you have put in there. They'll match 50% of that, which means you get a little bit of free money there as well. Now given if you were to sort of start working and contributing more again or, you know, earning an income and sort of exceed those limitations with the co contribution scheme, it may mean you're not entitled to that $500. If you obviously things do do change and you are working again and if you're earning over that sort of cap, it will reduce it and then sort of base on that until up until the point that you don't get any benefit from it. Now if you do wanna contribute more than that, you obviously can as well. This is through the non concessional arrangement. You would be contributing to the nontaxable portion of your superannuation. If you got any income coming in, you can sort of look to claim that as a concessional and convert that to get the tax rebate then as well if you do start full time employment as well, and you don't think you're gonna get any of the the funds for that. But in the meantime, it'll help boost your super. We can give you your account details for that, and you'll be able to contribute as you sort of wish over that time frame. But it's important to note, like, when the the financial year is up and to hit that that thousand dollars, if that makes sense. Perfect. Do you have any questions in regards to that at all? Yep. Perfect. So, yeah, once you get to, you know, the June 30 there or, like, you know, first slide, June 30, that's, like, where you cut off for that to make those contributions. And just confirming to then through your previous employment before you were made redundant, you sort of in the financial year, you wouldn't be over that that limit there? Yep. Okay. Perfect. Yeah. So from that, you should be eligible for that that $500 co contribution if you do make that thousand dollars. If you do contribute a bit less, it'll be less. And then if you always start earning an income, they'll proportionate down until you're sort of not eligible for any payment there as well. But it's not a bad thing. You still get money going into your super. You just might not get that co contribution, which is what you wanna do anyway, but a bit of free money never hurt to grow on your super as well. Perfect. Now with that as well, there are obviously risks that, you know, once you put in the superannuation, you can't get it back given that you aren't working. It's something to be mindful of, but given you do quite amount of savings as well, it does obviously help contribute to the balance. As far as the beneficiary nominations, we're recommending that you nominate a legal person representative once you get a will enforce with that one because you want to leave things to, you know, like brothers, you know, mother, if sort of worst case things like that as well, it sorta helps that they don't make a valid nomination with c CSAC for superannuation at the moment. So once your will is in place, you can leave your estate to the will, and it can be distributed per your wishes that way. It's important to sort of note that when it goes to the will, it's taxed differently. You don't pay the Medicare levy, but then also it does open your superannuation up to claims should, you know, family start fighting over the money and who gets what. And it can sort of get eaten away at legal fees, that is sort of a risk of that. But given you don't have anyone that sort of makes a valid nomination currently apart from what your mother being dependent on you caring for at the moment, you know, if something were to happen to your your mother, you'd have to change it anyway. So if you write it all at all, it's all built to cover for those contingencies. It just means that, you know, everything distributed per your wishes over a longer period of time. So do you have any questions in regards to that at all? Certainly. Obviously, we recommend you establish a will and a power of attorney in conjunction with that as well. I won't dwell on those sections too much. Feel free to read through that. We obviously can't provide a will service in drawing up a will. We can have a conversation on how you might wanna structure a little bit. But given that, you know, you've got the the car and the savings, you know, have a huge amount of other, you know, property thing like that, and that might make it difficult. Yeah. So it should make it quite a simple process in regards to setting up that will. We can refer you to a local solicitor and their pricing if you ever wanted it. But, also, if you find someone local that you're happy with, that's more than fine as well. As far as the remuneration fee, it is 1.65%, which is that $3,529 per year's worth of premiums with growth based on that percentage fee. As I said, that can fluctuate with the market, so it goes up and down with the with that on a monthly basis. But that's just the estimated fee based on the recommendation that was made. From there, obviously, you know, you do still have your annual review that we'll we'll touch on those as well, any concerns you may have. But that is a really brief run through of the advice there. Now if you have any questions regarding that, the investment recommendation or not a problem. Once you were to sign that document, they can start the implementation of that. I can make a note of here to to send you your contribution details. So just so you have that for when you run it start doing that. If that's something you wanted to do, even if you don't proceed with the advice, if you started one of putting some money into super, that's more than fine. When you get to the end of the financial year, feel free to give us a call if you do start doing that, but don't take on the advice just so we can look at options if you wanna claim notice of intent, things like that. But given you aren't working, it doesn't make a huge difference whether you claim it or not. It doesn't give you that tax benefit really in regards to money back. Perfect. But any questions, concerns for me now? Obviously, it's a very quick run through, but anything else that you want to touch on while you've got me there? Not a problem at all, Nave. Well, you enjoy the rest of your day. Thanks for your time. And any questions, I'll shoot you through an email, and you can just respond to that with any questions you might have in regards to that document. So easy, mate. Well, enjoy the rest of your day. Good luck with you, Imam. Hopefully, everything goes well. Thanks, mate. Bye.","confidence":0.9967765,"words":[{"word":"good","start":3.12,"end":3.4399998,"confidence":0.7136174,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.37140682339668274},{"word":"afternoon","start":3.4399998,"end":3.84,"confidence":0.9898413,"punctuated_word":"afternoon,","sentiment":"positive","sentiment_score":0.3844211995601654},{"word":"nate","start":3.84,"end":4.08,"confidence":0.6129142,"punctuated_word":"Nate.","sentiment":"positive","sentiment_score":0.35205698013305664},{"word":"it's","start":4.08,"end":4.3199997,"confidence":0.99367744,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.3071202039718628},{"word":"carl","start":4.3199997,"end":4.56,"confidence":0.6930248,"punctuated_word":"Carl","sentiment":"neutral","sentiment_score":0.1667819619178772},{"word":"calling","start":4.56,"end":4.7999997,"confidence":0.99257255,"punctuated_word":"calling","sentiment":"neutral","sentiment_score":0.18332187831401825},{"word":"from","start":4.7999997,"end":5.04,"confidence":0.9975496,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.22076210379600525},{"word":"hp","start":5.04,"end":5.3599997,"confidence":0.3089361,"punctuated_word":"HP","sentiment":"neutral","sentiment_score":0.1852201223373413},{"word":"financial","start":5.3599997,"end":5.68,"confidence":0.99345076,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.2397787868976593},{"word":"how","start":5.68,"end":5.8399997,"confidence":0.9999194,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.28723230957984924},{"word":"are","start":5.8399997,"end":6.0,"confidence":0.99214727,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.23719465732574463},{"word":"you","start":6.0,"end":6.08,"confidence":0.99972445,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2465597242116928},{"word":"today","start":6.08,"end":6.58,"confidence":0.99962234,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.24807524681091309},{"word":"that's","start":8.16,"end":8.48,"confidence":0.9949223,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6829348802566528},{"word":"good","start":8.48,"end":8.639999,"confidence":0.9981059,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7810129523277283},{"word":"to","start":8.639999,"end":8.72,"confidence":0.9994023,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7740671038627625},{"word":"hear","start":8.72,"end":8.96,"confidence":0.9979515,"punctuated_word":"hear.","sentiment":"positive","sentiment_score":0.7392742037773132},{"word":"i've","start":8.96,"end":9.12,"confidence":0.9706036,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.4985128045082092},{"word":"got","start":9.12,"end":9.2,"confidence":0.99279493,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.438176304101944},{"word":"you","start":9.2,"end":9.36,"confidence":0.84321535,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29891496896743774},{"word":"scheduled","start":9.36,"end":9.679999,"confidence":0.702625,"punctuated_word":"scheduled","sentiment":"positive","sentiment_score":0.39421698451042175},{"word":"in","start":9.679999,"end":9.84,"confidence":0.7670968,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4055875837802887},{"word":"for","start":9.84,"end":10.34,"confidence":0.9734196,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3536200225353241},{"word":"your","start":10.639999,"end":10.8,"confidence":0.95389205,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.34311020374298096},{"word":"straight","start":10.8,"end":11.2,"confidence":0.6289685,"punctuated_word":"straight","sentiment":"positive","sentiment_score":0.41556358337402344},{"word":"statement","start":11.2,"end":11.5199995,"confidence":0.9191903,"punctuated_word":"statement","sentiment":"positive","sentiment_score":0.4390356242656708},{"word":"of","start":11.5199995,"end":11.759999,"confidence":0.9743326,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3621828556060791},{"word":"last","start":11.759999,"end":11.92,"confidence":0.6028336,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.28150540590286255},{"word":"presentation","start":11.92,"end":12.32,"confidence":0.9506198,"punctuated_word":"presentation.","sentiment":"positive","sentiment_score":0.3495195508003235},{"word":"is","start":12.32,"end":12.4,"confidence":0.9598074,"punctuated_word":"Is","sentiment":"positive","sentiment_score":0.3463302552700043},{"word":"now","start":12.4,"end":12.639999,"confidence":0.9946445,"punctuated_word":"now","sentiment":"positive","sentiment_score":0.3378569483757019},{"word":"still","start":12.639999,"end":12.719999,"confidence":0.59483635,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2940717041492462},{"word":"a","start":12.719999,"end":12.88,"confidence":0.94281775,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.40930718183517456},{"word":"good","start":12.88,"end":12.96,"confidence":0.99954337,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2954571843147278},{"word":"time","start":12.96,"end":13.2,"confidence":0.9997415,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4182381927967071},{"word":"for","start":13.2,"end":13.28,"confidence":0.99105775,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.38079479336738586},{"word":"you","start":13.28,"end":13.575,"confidence":0.9779676,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.3430875837802887},{"word":"if","start":17.654999,"end":17.814999,"confidence":0.96062887,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.059412602335214615},{"word":"you're","start":17.814999,"end":18.295,"confidence":0.99981296,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.06459261476993561},{"word":"a","start":18.295,"end":18.375,"confidence":0.99977154,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08409115672111511},{"word":"little","start":18.375,"end":18.615,"confidence":0.99993384,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0892941877245903},{"word":"bit","start":18.615,"end":18.855,"confidence":0.99940515,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.09112583845853806},{"word":"busy","start":18.855,"end":19.175,"confidence":0.89727217,"punctuated_word":"busy,","sentiment":"neutral","sentiment_score":-0.10343390703201294},{"word":"i","start":19.175,"end":19.255,"confidence":0.9618744,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08719678223133087},{"word":"know","start":19.255,"end":19.414999,"confidence":0.9993765,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.09182420372962952},{"word":"you're","start":19.414999,"end":19.575,"confidence":0.98503107,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.06004026159644127},{"word":"sort","start":19.575,"end":19.735,"confidence":0.9959403,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.07233032584190369},{"word":"of","start":19.735,"end":19.814999,"confidence":0.9233756,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05724602937698364},{"word":"caring","start":19.814999,"end":20.135,"confidence":0.90958375,"punctuated_word":"caring","sentiment":"neutral","sentiment_score":-0.07938044518232346},{"word":"for","start":20.135,"end":20.375,"confidence":0.9995577,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.05865280330181122},{"word":"your","start":20.375,"end":20.535,"confidence":0.9228783,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05917748808860779},{"word":"your","start":20.535,"end":20.695,"confidence":0.8652654,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06935685873031616},{"word":"mother","start":20.695,"end":21.095,"confidence":0.99943346,"punctuated_word":"mother","sentiment":"neutral","sentiment_score":-0.07227373123168945},{"word":"at","start":21.095,"end":21.414999,"confidence":0.99446553,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03227594494819641},{"word":"the","start":21.414999,"end":21.735,"confidence":0.99554753,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0003750547766685486},{"word":"the","start":21.735,"end":21.814999,"confidence":0.41821703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01409987360239029},{"word":"moment","start":21.814999,"end":22.215,"confidence":0.9980519,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.011570155620574951},{"word":"there","start":22.215,"end":22.455,"confidence":0.6673627,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.013295570388436316},{"word":"we","start":22.455,"end":22.695,"confidence":0.9985214,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06552685052156448},{"word":"can","start":22.695,"end":22.935,"confidence":0.9997775,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06641494482755661},{"word":"sort","start":22.935,"end":23.095,"confidence":0.9984938,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.033230967819690704},{"word":"of","start":23.095,"end":23.175,"confidence":0.9257856,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08831126987934113},{"word":"make","start":23.175,"end":23.335,"confidence":0.99975127,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08753668516874313},{"word":"it","start":23.335,"end":23.494999,"confidence":0.9997429,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13561972975730896},{"word":"pretty","start":23.494999,"end":23.735,"confidence":0.9996979,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.106166809797287},{"word":"quick","start":23.735,"end":23.895,"confidence":0.85161114,"punctuated_word":"quick.","sentiment":"neutral","sentiment_score":0.05238310620188713},{"word":"and","start":23.895,"end":23.974998,"confidence":0.8375055,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06715629994869232},{"word":"if","start":23.974998,"end":24.134998,"confidence":0.9557936,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0967731848359108},{"word":"you","start":24.134998,"end":24.215,"confidence":0.9952148,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11589008569717409},{"word":"can","start":24.215,"end":24.375,"confidence":0.8443154,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0896170362830162},{"word":"have","start":24.375,"end":24.535,"confidence":0.9802956,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0823984295129776},{"word":"a","start":24.535,"end":24.615,"confidence":0.98877,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06830151379108429},{"word":"read","start":24.615,"end":24.775,"confidence":0.969092,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.047850508242845535},{"word":"through","start":24.775,"end":24.935,"confidence":0.99445903,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06950561702251434},{"word":"it","start":24.935,"end":25.015,"confidence":0.9354931,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08067137748003006},{"word":"in","start":25.015,"end":25.095,"confidence":0.99310195,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05893988907337189},{"word":"your","start":25.095,"end":25.255,"confidence":0.99856037,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07408221811056137},{"word":"spare","start":25.255,"end":25.494999,"confidence":0.999843,"punctuated_word":"spare","sentiment":"neutral","sentiment_score":0.043092355132102966},{"word":"time","start":25.494999,"end":25.654999,"confidence":0.7680035,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.04337387904524803},{"word":"if","start":25.654999,"end":25.734999,"confidence":0.90701735,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07054303586483002},{"word":"you","start":25.734999,"end":25.814999,"confidence":0.9973533,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0667618066072464},{"word":"have","start":25.814999,"end":25.974998,"confidence":0.79931504,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03245305269956589},{"word":"any","start":25.974998,"end":26.134998,"confidence":0.99585754,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03740794211626053},{"word":"questions","start":26.134998,"end":26.455,"confidence":0.9727418,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.018830370157957077},{"word":"you","start":26.455,"end":26.535,"confidence":0.9980883,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02550622820854187},{"word":"can","start":26.535,"end":26.775,"confidence":0.9997111,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.014529481530189514},{"word":"come","start":26.775,"end":26.935,"confidence":0.9998474,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.01513383537530899},{"word":"back","start":26.935,"end":27.39,"confidence":0.99555635,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":-0.004837024956941605},{"word":"perfect","start":30.75,"end":31.25,"confidence":0.9953694,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4495968222618103},{"word":"just","start":32.19,"end":32.43,"confidence":0.85053355,"punctuated_word":"Just","sentiment":"positive","sentiment_score":0.35146817564964294},{"word":"to","start":32.43,"end":32.59,"confidence":0.99960417,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3061210811138153},{"word":"jump","start":32.59,"end":32.829998,"confidence":0.9999008,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.32684627175331116},{"word":"into","start":32.829998,"end":33.07,"confidence":0.97603536,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.3295310139656067},{"word":"that","start":33.07,"end":33.23,"confidence":0.99925715,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.416275292634964},{"word":"today","start":33.23,"end":33.47,"confidence":0.9904522,"punctuated_word":"today,","sentiment":"positive","sentiment_score":0.36044132709503174},{"word":"nave","start":33.47,"end":33.87,"confidence":0.6585729,"punctuated_word":"Nave,","sentiment":"neutral","sentiment_score":0.30983078479766846},{"word":"if","start":33.87,"end":33.95,"confidence":0.614633,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3431259095668793},{"word":"i","start":33.95,"end":34.11,"confidence":0.9939932,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.30289897322654724},{"word":"can","start":34.11,"end":34.27,"confidence":0.99901617,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.283109575510025},{"word":"just","start":34.27,"end":34.59,"confidence":0.99849796,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.266245573759079},{"word":"pass","start":34.59,"end":34.829998,"confidence":0.9830972,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.26704221963882446},{"word":"through","start":34.829998,"end":34.989998,"confidence":0.7808171,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.25538355112075806},{"word":"security","start":34.989998,"end":35.309998,"confidence":0.9609801,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.25582098960876465},{"word":"with","start":35.309998,"end":35.39,"confidence":0.9603836,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.29193827509880066},{"word":"your","start":35.39,"end":35.47,"confidence":0.8544875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2796093821525574},{"word":"name","start":35.47,"end":35.629997,"confidence":0.9913198,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.22959190607070923},{"word":"date","start":35.629997,"end":35.79,"confidence":0.9995209,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.20703522861003876},{"word":"of","start":35.79,"end":35.87,"confidence":0.9873374,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23569361865520477},{"word":"birth","start":35.87,"end":36.03,"confidence":0.9514675,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.2625245451927185},{"word":"and","start":36.03,"end":36.11,"confidence":0.99577004,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2593619227409363},{"word":"current","start":36.11,"end":36.35,"confidence":0.74575865,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.23358967900276184},{"word":"address","start":36.35,"end":36.59,"confidence":0.8105515,"punctuated_word":"address,","sentiment":"neutral","sentiment_score":0.2935387194156647},{"word":"we","start":36.59,"end":36.75,"confidence":0.85874283,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.35075244307518005},{"word":"can","start":36.75,"end":36.829998,"confidence":0.9832755,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3127972185611725},{"word":"get","start":36.829998,"end":36.989998,"confidence":0.994505,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3114873468875885},{"word":"stuck","start":36.989998,"end":37.23,"confidence":0.97774917,"punctuated_word":"stuck","sentiment":"neutral","sentiment_score":0.27941086888313293},{"word":"into","start":37.23,"end":37.47,"confidence":0.98580754,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.27532780170440674},{"word":"that","start":37.47,"end":37.629997,"confidence":0.99918324,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3310144245624542},{"word":"today","start":37.629997,"end":38.129997,"confidence":0.9104351,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.26792722940444946},{"word":"yep","start":41.004997,"end":41.405,"confidence":0.9950639,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1193205937743187},{"word":"so","start":41.405,"end":41.565,"confidence":0.96471345,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11532731354236604},{"word":"just","start":41.565,"end":41.725,"confidence":0.39771685,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11938068270683289},{"word":"full","start":41.725,"end":41.965,"confidence":0.9824103,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.1427728682756424},{"word":"name","start":41.965,"end":42.125,"confidence":0.99260527,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.1344158947467804},{"word":"date","start":42.125,"end":42.285,"confidence":0.99966085,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.127336785197258},{"word":"of","start":42.285,"end":42.364998,"confidence":0.9928427,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1459091603755951},{"word":"birth","start":42.364998,"end":42.605,"confidence":0.95268023,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.1575063169002533},{"word":"and","start":42.605,"end":42.684998,"confidence":0.99158394,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16446799039840698},{"word":"card","start":42.684998,"end":42.844997,"confidence":0.9714807,"punctuated_word":"card","sentiment":"neutral","sentiment_score":0.16259512305259705},{"word":"notice","start":42.844997,"end":43.164997,"confidence":0.979156,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.1814543753862381},{"word":"will","start":43.164997,"end":43.405,"confidence":0.5444939,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.19249582290649417},{"word":"get","start":43.405,"end":43.565,"confidence":0.99527764,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1477474570274353},{"word":"going","start":43.565,"end":44.065,"confidence":0.94317436,"punctuated_word":"going.","sentiment":"neutral","sentiment_score":0.12231616675853728},{"word":"perfect","start":49.805,"end":50.305,"confidence":0.84113634,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3705505132675171},{"word":"and","start":50.445,"end":50.684998,"confidence":0.93582815,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.16941024363040924},{"word":"just","start":50.684998,"end":50.844997,"confidence":0.9982716,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12038445472717284},{"word":"given","start":50.844997,"end":51.164997,"confidence":0.99918133,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.10411057621240616},{"word":"the","start":51.164997,"end":51.245,"confidence":0.9971288,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1270388513803482},{"word":"time","start":51.245,"end":51.405,"confidence":0.9931212,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.09511050581932068},{"word":"that","start":51.405,"end":51.565,"confidence":0.9808187,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07863260060548782},{"word":"has","start":51.565,"end":51.725,"confidence":0.90583646,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.03561868891119957},{"word":"elapsed","start":51.725,"end":51.964996,"confidence":0.95495844,"punctuated_word":"elapsed","sentiment":"neutral","sentiment_score":0.05142080783843994},{"word":"since","start":51.964996,"end":52.204998,"confidence":0.9913901,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.06533494591712952},{"word":"we","start":52.204998,"end":52.364998,"confidence":0.99486274,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07262589782476425},{"word":"last","start":52.364998,"end":52.605,"confidence":0.9549439,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.04663462936878204},{"word":"sort","start":52.605,"end":52.765,"confidence":0.9732155,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03951697051525116},{"word":"of","start":52.765,"end":52.925,"confidence":0.95628613,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06611685454845428},{"word":"spoke","start":52.925,"end":53.245,"confidence":0.98960716,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.08504251390695572},{"word":"to","start":53.245,"end":53.485,"confidence":0.4566813,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11155568063259123},{"word":"naif","start":53.485,"end":53.985,"confidence":0.8324673,"punctuated_word":"Naif,","sentiment":"neutral","sentiment_score":0.09826461970806122},{"word":"have","start":54.765,"end":55.265,"confidence":0.9620612,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.035254113376140594},{"word":"anything","start":55.54,"end":55.86,"confidence":0.9997142,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.035886846482753754},{"word":"in","start":55.86,"end":56.100002,"confidence":0.98917425,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02358093298971653},{"word":"regards","start":56.100002,"end":56.34,"confidence":0.9857243,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.008432291448116302},{"word":"to","start":56.34,"end":56.58,"confidence":0.99845755,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02954748086631298},{"word":"your","start":56.58,"end":56.66,"confidence":0.9921273,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02550145238637924},{"word":"employment","start":56.66,"end":57.14,"confidence":0.999818,"punctuated_word":"employment","sentiment":"neutral","sentiment_score":0.03576070815324783},{"word":"or","start":57.14,"end":57.22,"confidence":0.9774654,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02106022834777832},{"word":"anything","start":57.22,"end":57.620003,"confidence":0.9992865,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.03396495431661606},{"word":"changed","start":57.620003,"end":58.02,"confidence":0.997928,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.007221218198537827},{"word":"at","start":58.02,"end":58.100002,"confidence":0.9997812,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.009317759424448012},{"word":"the","start":58.100002,"end":58.260002,"confidence":0.9979989,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01400870829820633},{"word":"moment","start":58.260002,"end":58.760002,"confidence":0.99961495,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.0047687143087387085},{"word":"yep","start":68.994995,"end":69.494995,"confidence":0.82434976,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.00846028234809637},{"word":"and","start":70.034996,"end":70.274994,"confidence":0.9390609,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.024683967232704163},{"word":"then","start":70.274994,"end":70.774994,"confidence":0.9993212,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.026555312797427177},{"word":"i","start":71.155,"end":71.314995,"confidence":0.95100707,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.036653898656368256},{"word":"know","start":71.314995,"end":71.634995,"confidence":0.99976176,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.04032275825738907},{"word":"you","start":71.634995,"end":71.875,"confidence":0.99904484,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03526900336146355},{"word":"did","start":71.875,"end":72.115,"confidence":0.99987805,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.023435920476913452},{"word":"have","start":72.115,"end":72.274994,"confidence":0.9998913,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02351553365588188},{"word":"that","start":72.274994,"end":72.774994,"confidence":0.97227085,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.025635402649641037},{"word":"payout","start":72.91499,"end":73.314995,"confidence":0.92050236,"punctuated_word":"payout","sentiment":"neutral","sentiment_score":-0.02730114758014679},{"word":"when","start":73.314995,"end":73.55499,"confidence":0.9984529,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0531211718916893},{"word":"you","start":73.55499,"end":73.715,"confidence":0.9998155,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06336182355880737},{"word":"were","start":73.715,"end":73.875,"confidence":0.9824852,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.05673666298389435},{"word":"made","start":73.875,"end":74.115,"confidence":0.99975747,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.0538436584174633},{"word":"redundant","start":74.115,"end":74.59499,"confidence":0.9998939,"punctuated_word":"redundant","sentiment":"neutral","sentiment_score":-0.052693359553813934},{"word":"there","start":74.59499,"end":75.09499,"confidence":0.9858496,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.04982912912964821},{"word":"has","start":75.155,"end":75.395,"confidence":0.7898977,"punctuated_word":"Has","sentiment":"neutral","sentiment_score":-0.027419885620474815},{"word":"that","start":75.395,"end":75.55499,"confidence":0.9989416,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03018316626548767},{"word":"sort","start":75.55499,"end":75.795,"confidence":0.9815633,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.05562209710478783},{"word":"of","start":75.795,"end":75.875,"confidence":0.9927897,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0395440012216568},{"word":"mentioned","start":75.875,"end":76.274994,"confidence":0.37444958,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":-0.04066460579633713},{"word":"all","start":76.274994,"end":76.354996,"confidence":0.8247007,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.047820523381233215},{"word":"of","start":76.354996,"end":76.515,"confidence":0.8366179,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04879804700613022},{"word":"you","start":76.515,"end":76.59499,"confidence":0.9859816,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.039621539413928986},{"word":"spent","start":76.59499,"end":76.835,"confidence":0.90899503,"punctuated_word":"spent","sentiment":"neutral","sentiment_score":-0.038349080830812454},{"word":"money","start":76.835,"end":77.235,"confidence":0.97572494,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.050117094069719315},{"word":"much","start":77.235,"end":77.475,"confidence":0.60276634,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.04905576631426811},{"word":"of","start":77.475,"end":77.55499,"confidence":0.73433644,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06044919416308403},{"word":"that","start":77.55499,"end":77.715,"confidence":0.8484873,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.06016049534082413},{"word":"or","start":77.715,"end":77.795,"confidence":0.9998305,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06071506440639496},{"word":"is","start":77.795,"end":78.034996,"confidence":0.9994822,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05494716018438339},{"word":"that","start":78.034996,"end":78.115,"confidence":0.9983443,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05210698023438454},{"word":"still","start":78.115,"end":78.354996,"confidence":0.98645115,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.07301951199769974},{"word":"sitting","start":78.354996,"end":78.674995,"confidence":0.9993575,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.06554017961025238},{"word":"there","start":78.674995,"end":79.174995,"confidence":0.99877155,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":-0.06912869215011597},{"word":"yep","start":82.61,"end":83.11,"confidence":0.96239245,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01244250312447548},{"word":"and","start":83.33,"end":83.57001,"confidence":0.9970938,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.001019548624753952},{"word":"just","start":83.57001,"end":83.810005,"confidence":0.9997557,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0076179709285497665},{"word":"the","start":83.810005,"end":84.05,"confidence":0.9991328,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015116633847355844},{"word":"the","start":84.05,"end":84.21001,"confidence":0.9842912,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006881965324282646},{"word":"car","start":84.21001,"end":84.450005,"confidence":0.995656,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.002576000988483429},{"word":"that's","start":84.450005,"end":84.61,"confidence":0.97073054,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.00525265745818615},{"word":"here","start":84.61,"end":84.770004,"confidence":0.8293672,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.0006325747817754745},{"word":"in","start":84.770004,"end":84.850006,"confidence":0.4397742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.005378276109695435},{"word":"the","start":84.850006,"end":85.01,"confidence":0.99320155,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004579957574605942},{"word":"other","start":85.01,"end":85.170006,"confidence":0.99873096,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.001400485634803772},{"word":"asset","start":85.170006,"end":85.37001,"confidence":0.9976624,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.01558089628815651},{"word":"at","start":85.37001,"end":85.57001,"confidence":0.9997172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.006094755604863167},{"word":"the","start":85.57001,"end":85.65,"confidence":0.99963737,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007985848933458328},{"word":"moment","start":85.65,"end":86.15,"confidence":0.99009305,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.000024369917809963223},{"word":"perfect","start":87.97,"end":88.47,"confidence":0.9686338,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.07000812888145447},{"word":"anything","start":88.61,"end":88.93,"confidence":0.96831495,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":0.014003459364175797},{"word":"else","start":88.93,"end":89.170006,"confidence":0.99997556,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.013519087806344032},{"word":"that","start":89.170006,"end":89.25,"confidence":0.99814427,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0005148854106664658},{"word":"sort","start":89.25,"end":89.490005,"confidence":0.9188996,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.00877833366394043},{"word":"of","start":89.490005,"end":89.57001,"confidence":0.8719829,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0008476972579956055},{"word":"changed","start":89.57001,"end":89.97,"confidence":0.9989207,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.01677984744310379},{"word":"in","start":89.97,"end":90.130005,"confidence":0.9998553,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.019096940755844116},{"word":"the","start":90.130005,"end":90.450005,"confidence":0.9998473,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007539756596088409},{"word":"the","start":90.450005,"end":90.61,"confidence":0.96278447,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0034584403038024902},{"word":"last","start":90.61,"end":90.850006,"confidence":0.99972063,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.0020974576473236084},{"word":"few","start":90.850006,"end":91.090004,"confidence":0.9996791,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.004631318151950836},{"word":"months","start":91.090004,"end":91.33,"confidence":0.99966383,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.022199325263500217},{"word":"since","start":91.33,"end":91.490005,"confidence":0.98769623,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.06877554208040237},{"word":"we","start":91.490005,"end":91.65,"confidence":0.9849412,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08337081968784332},{"word":"last","start":91.65,"end":91.89,"confidence":0.9987632,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.058648936450481415},{"word":"spoke","start":91.89,"end":92.295,"confidence":0.99785435,"punctuated_word":"spoke?","sentiment":"neutral","sentiment_score":-0.09005632996559143},{"word":"not","start":94.055,"end":94.295,"confidence":0.9869686,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.060897283256053925},{"word":"a","start":94.295,"end":94.534996,"confidence":0.9995447,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05998372659087181},{"word":"problem","start":94.534996,"end":95.034996,"confidence":0.99370444,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":-0.0813155546784401},{"word":"yep","start":111.27,"end":111.43,"confidence":0.8617693,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09472241252660751},{"word":"and","start":111.43,"end":111.59,"confidence":0.9867513,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03954819589853287},{"word":"have","start":111.59,"end":111.829994,"confidence":0.99163884,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02505483478307724},{"word":"you","start":111.829994,"end":111.909996,"confidence":0.9995608,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03528299555182457},{"word":"looked","start":111.909996,"end":112.149994,"confidence":0.99971145,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.03580682352185249},{"word":"into","start":112.149994,"end":112.47,"confidence":0.97188514,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.04169601947069168},{"word":"sort","start":112.47,"end":112.71,"confidence":0.97855365,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.007826574146747589},{"word":"of","start":112.71,"end":112.869995,"confidence":0.90032387,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.0167592391371727},{"word":"like","start":112.869995,"end":113.189995,"confidence":0.97972953,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02311943471431732},{"word":"care","start":113.189995,"end":113.59,"confidence":0.97470707,"punctuated_word":"care","sentiment":"neutral","sentiment_score":0.02661953866481781},{"word":"support","start":113.59,"end":114.09,"confidence":0.53197616,"punctuated_word":"support","sentiment":"neutral","sentiment_score":0.01211203634738922},{"word":"payments","start":114.63,"end":115.03,"confidence":0.8846584,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":0.007637165486812592},{"word":"and","start":115.03,"end":115.27,"confidence":0.99701583,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012013286352157593},{"word":"things","start":115.27,"end":115.509995,"confidence":0.99991727,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.02469654753804207},{"word":"like","start":115.509995,"end":115.67,"confidence":0.99961156,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.02469828724861145},{"word":"that","start":115.67,"end":116.17,"confidence":0.99879754,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.01863565482199192},{"word":"yeah","start":127.204994,"end":127.704994,"confidence":0.9898492,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.2204982489347458},{"word":"well","start":127.84499,"end":128.165,"confidence":0.97701347,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.1762089729309082},{"word":"in","start":128.165,"end":128.325,"confidence":0.9992466,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.16806471347808838},{"word":"regards","start":128.325,"end":128.805,"confidence":0.9985331,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.1182948499917984},{"word":"to","start":128.805,"end":128.885,"confidence":0.9995358,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08821409940719604},{"word":"that","start":128.885,"end":129.285,"confidence":0.9935266,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.13647852838039398},{"word":"i'm","start":129.285,"end":129.685,"confidence":0.812974,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.24029511213302612},{"word":"not","start":129.685,"end":129.925,"confidence":0.99826485,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2407226264476776},{"word":"a","start":129.925,"end":130.00499,"confidence":0.81803286,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.25632911920547485},{"word":"100%","start":130.00499,"end":130.59,"confidence":0.98702514,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":-0.24231769144535065},{"word":"sure","start":130.59,"end":130.83,"confidence":0.99957865,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.2529408633708954},{"word":"on","start":130.83,"end":130.98999,"confidence":0.9711574,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2638014256954193},{"word":"what","start":130.98999,"end":131.15,"confidence":0.8867552,"punctuated_word":"what,","sentiment":"neutral","sentiment_score":-0.2412160336971283},{"word":"like","start":131.15,"end":131.47,"confidence":0.99427956,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2119717001914978},{"word":"your","start":131.47,"end":131.55,"confidence":0.47733876,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.25016775727272034},{"word":"eligibility","start":131.55,"end":131.87,"confidence":0.9343597,"punctuated_word":"eligibility","sentiment":"neutral","sentiment_score":-0.1245955228805542},{"word":"would","start":131.87,"end":132.03,"confidence":0.99853003,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.24483977258205417},{"word":"be","start":132.03,"end":132.26999,"confidence":0.9995321,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.20784781873226169},{"word":"given","start":132.26999,"end":132.51,"confidence":0.92931294,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.23210692405700684},{"word":"the","start":132.51,"end":132.67,"confidence":0.88877594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1962062418460846},{"word":"the","start":132.67,"end":132.83,"confidence":0.9807732,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2177424877882004},{"word":"cash","start":132.83,"end":132.98999,"confidence":0.99808854,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.18077194690704343},{"word":"in","start":132.98999,"end":133.15,"confidence":0.9628533,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.22074231505393985},{"word":"the","start":133.15,"end":133.23,"confidence":0.9997968,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23925411701202393},{"word":"bank","start":133.23,"end":133.47,"confidence":0.9995745,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.3145977854728699},{"word":"that","start":133.47,"end":133.62999,"confidence":0.99966776,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16127772629261017},{"word":"you","start":133.62999,"end":133.70999,"confidence":0.99981076,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.167103573679924},{"word":"do","start":133.70999,"end":133.87,"confidence":0.9999417,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.12501627206802368},{"word":"have","start":133.87,"end":134.37,"confidence":0.9481013,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":-0.19184106588363647},{"word":"but","start":134.91,"end":135.15,"confidence":0.8025168,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.08471868932247162},{"word":"given","start":135.15,"end":135.55,"confidence":0.99727553,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.1109834685921669},{"word":"that","start":135.55,"end":135.87,"confidence":0.9816829,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.0946466028690338},{"word":"like","start":135.87,"end":136.19,"confidence":0.9990444,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.09611837565898897},{"word":"it's","start":136.19,"end":136.34999,"confidence":0.9960369,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.14307573437690735},{"word":"not","start":136.34999,"end":136.67,"confidence":0.9995565,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.13537082076072693},{"word":"your","start":136.67,"end":136.98999,"confidence":0.9298744,"punctuated_word":"your,","sentiment":"neutral","sentiment_score":-0.15919345617294312},{"word":"like","start":136.98999,"end":137.31,"confidence":0.99812484,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1840185821056366},{"word":"centrelink","start":137.31,"end":137.79,"confidence":0.9842114,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":-0.1838640719652176},{"word":"entitlements","start":137.79,"end":138.26999,"confidence":0.8001784,"punctuated_word":"entitlements","sentiment":"neutral","sentiment_score":-0.13901829719543457},{"word":"in","start":138.26999,"end":138.34999,"confidence":0.97819656,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.14222048223018646},{"word":"regards","start":138.34999,"end":138.51,"confidence":0.99660504,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.07945965230464935},{"word":"to","start":138.51,"end":138.67,"confidence":0.8786031,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.10583801567554474},{"word":"like","start":138.67,"end":138.83,"confidence":0.9976406,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.10587602853775024},{"word":"jobkeeper","start":138.83,"end":139.33,"confidence":0.94282645,"punctuated_word":"JobKeeper","sentiment":"neutral","sentiment_score":-0.1081041693687439},{"word":"and","start":139.39,"end":139.55,"confidence":0.99613154,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1533694714307785},{"word":"things","start":139.55,"end":139.87,"confidence":0.99984217,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.14669013023376465},{"word":"like","start":139.87,"end":139.95,"confidence":0.9993316,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.1591780036687851},{"word":"that","start":139.95,"end":140.19,"confidence":0.9906939,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.1674598753452301},{"word":"you","start":140.19,"end":140.34999,"confidence":0.99954057,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2190783768892288},{"word":"may","start":140.34999,"end":140.51,"confidence":0.94547415,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.1564364731311798},{"word":"be","start":140.51,"end":140.67,"confidence":0.9985721,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1949080526828766},{"word":"out","start":140.67,"end":140.83,"confidence":0.45688373,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.23258742690086365},{"word":"of","start":140.83,"end":140.98999,"confidence":0.8813864,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2539549171924591},{"word":"sort","start":140.98999,"end":141.31,"confidence":0.89700514,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.17739324271678925},{"word":"of","start":141.31,"end":141.70999,"confidence":0.9978169,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2750166058540344},{"word":"contact","start":141.70999,"end":142.11,"confidence":0.9287483,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":-0.28523433208465576},{"word":"centrelink","start":142.11,"end":142.59,"confidence":0.9993196,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":-0.1656469702720642},{"word":"and","start":142.59,"end":142.75,"confidence":0.9622686,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.18449990451335907},{"word":"have","start":142.75,"end":142.91,"confidence":0.9963335,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1783711016178131},{"word":"a","start":142.91,"end":142.98999,"confidence":0.9984137,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14743368327617645},{"word":"conversation","start":142.98999,"end":143.48999,"confidence":0.99978894,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":-0.1567634493112564},{"word":"and","start":143.55,"end":143.70999,"confidence":0.9918053,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12753474712371826},{"word":"see","start":143.70999,"end":144.045,"confidence":0.8003615,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":-0.12653015553951263},{"word":"but","start":144.125,"end":144.365,"confidence":0.9929634,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.02258544415235519},{"word":"just","start":144.365,"end":144.525,"confidence":0.9035795,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.030186772346496586},{"word":"for","start":144.525,"end":144.765,"confidence":0.9317753,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0036521926522254944},{"word":"caring","start":144.765,"end":145.005,"confidence":0.96569866,"punctuated_word":"caring","sentiment":"neutral","sentiment_score":0.021463826298713684},{"word":"for","start":145.005,"end":145.165,"confidence":0.9799871,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04765850305557251},{"word":"your","start":145.165,"end":145.245,"confidence":0.9984158,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.004899770021438599},{"word":"mother","start":145.245,"end":145.485,"confidence":0.8889262,"punctuated_word":"mother,","sentiment":"neutral","sentiment_score":0.07365570962429047},{"word":"if","start":145.485,"end":145.645,"confidence":0.99948454,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06304033100605011},{"word":"you're","start":145.645,"end":145.72499,"confidence":0.99945116,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0045476555824279785},{"word":"eligible","start":145.72499,"end":146.125,"confidence":0.9999298,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.048000723123550415},{"word":"for","start":146.125,"end":146.365,"confidence":0.9922713,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.004510670900344849},{"word":"some","start":146.365,"end":146.525,"confidence":0.99986625,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.04681418091058731},{"word":"form","start":146.525,"end":147.025,"confidence":0.9989711,"punctuated_word":"form","sentiment":"neutral","sentiment_score":-0.01358957588672638},{"word":"of","start":147.405,"end":147.645,"confidence":0.99898046,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.049786053597927094},{"word":"carers","start":147.645,"end":148.125,"confidence":0.7149903,"punctuated_word":"carers","sentiment":"neutral","sentiment_score":-0.06815560162067413},{"word":"allowance","start":148.125,"end":148.605,"confidence":0.8219932,"punctuated_word":"allowance","sentiment":"neutral","sentiment_score":-0.025369487702846527},{"word":"and","start":148.605,"end":148.765,"confidence":0.9832523,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0465804785490036},{"word":"things","start":148.765,"end":149.005,"confidence":0.9998838,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.0490804985165596},{"word":"like","start":149.005,"end":149.165,"confidence":0.99951994,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.08679164201021194},{"word":"that","start":149.165,"end":149.665,"confidence":0.8069926,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.06389106065034866},{"word":"just","start":152.525,"end":152.845,"confidence":0.9768174,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.13695845007896423},{"word":"if","start":152.845,"end":153.005,"confidence":0.9654101,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07108191400766373},{"word":"you're","start":153.005,"end":153.325,"confidence":0.90786195,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.026913512498140335},{"word":"sort","start":153.325,"end":153.565,"confidence":0.9896891,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.006912976503372192},{"word":"of","start":153.565,"end":153.72499,"confidence":0.99782866,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0434555858373642},{"word":"still","start":153.72499,"end":153.965,"confidence":0.99272424,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.05901235342025757},{"word":"here","start":153.965,"end":154.125,"confidence":0.9953721,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.04468584060668945},{"word":"and","start":154.125,"end":154.285,"confidence":0.97087693,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03980275243520737},{"word":"there","start":154.285,"end":154.525,"confidence":0.9997086,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.023783959448337555},{"word":"between","start":154.525,"end":154.845,"confidence":0.99509394,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.05532047152519226},{"word":"work","start":154.845,"end":155.08499,"confidence":0.9990921,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.06651570647954941},{"word":"and","start":155.08499,"end":155.325,"confidence":0.9989083,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06222432851791382},{"word":"things","start":155.325,"end":155.565,"confidence":0.9998816,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.060878150165081024},{"word":"like","start":155.565,"end":155.72499,"confidence":0.99949217,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.04464137554168701},{"word":"that","start":155.72499,"end":156.22499,"confidence":0.7591256,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.018480531871318817},{"word":"you","start":156.36499,"end":156.525,"confidence":0.9197421,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.02367030829191208},{"word":"know","start":156.525,"end":156.96,"confidence":0.93025327,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.034181512892246246},{"word":"it","start":157.84001,"end":158.0,"confidence":0.9870372,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.010172665119171144},{"word":"does","start":158.0,"end":158.16,"confidence":0.9998627,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.03938482701778412},{"word":"come","start":158.16,"end":158.32,"confidence":0.99974984,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.06263301521539688},{"word":"with","start":158.32,"end":158.48001,"confidence":0.9997224,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.018514826893806458},{"word":"its","start":158.48001,"end":158.64,"confidence":0.9866567,"punctuated_word":"its","sentiment":"neutral","sentiment_score":-0.03215092420578003},{"word":"own","start":158.64,"end":158.8,"confidence":0.9997737,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.016183674335479736},{"word":"set","start":158.8,"end":158.96,"confidence":0.99579006,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.002785980701446533},{"word":"of","start":158.96,"end":159.04001,"confidence":0.99980944,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.007890135049819946},{"word":"things","start":159.04001,"end":159.36,"confidence":0.9998124,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.009994655847549438},{"word":"in","start":159.36,"end":159.52,"confidence":0.98920244,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.006809696555137634},{"word":"regards","start":159.52,"end":159.84001,"confidence":0.7434662,"punctuated_word":"regards,","sentiment":"neutral","sentiment_score":0.01222163438796997},{"word":"like","start":159.84001,"end":160.0,"confidence":0.8916656,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.022818148136138916},{"word":"estate","start":160.0,"end":160.24,"confidence":0.9810399,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.006646394729614258},{"word":"planning","start":160.24,"end":160.56001,"confidence":0.8664403,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":0.029481589794158936},{"word":"things","start":160.56001,"end":160.8,"confidence":0.998971,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.01215951144695282},{"word":"like","start":160.8,"end":160.96,"confidence":0.8873158,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.03180193156003952},{"word":"that","start":160.96,"end":161.04001,"confidence":0.9974776,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0010787546634674072},{"word":"being","start":161.04001,"end":161.36,"confidence":0.5067564,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.01997959613800049},{"word":"care","start":161.36,"end":161.6,"confidence":0.49438226,"punctuated_word":"care","sentiment":"neutral","sentiment_score":-0.0322515070438385},{"word":"for","start":161.6,"end":161.76001,"confidence":0.86829954,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.036723792552948},{"word":"your","start":161.76001,"end":161.92001,"confidence":0.98711026,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.09673139452934264},{"word":"parents","start":161.92001,"end":162.24,"confidence":0.9993055,"punctuated_word":"parents","sentiment":"neutral","sentiment_score":-0.06142464280128479},{"word":"can","start":162.24,"end":162.48001,"confidence":0.986347,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.01280088722705841},{"word":"impact","start":162.48001,"end":162.88,"confidence":0.99937314,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":-0.012167692184448242},{"word":"that","start":162.88,"end":163.38,"confidence":0.9984517,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.058712005615234375},{"word":"i","start":163.44,"end":163.68001,"confidence":0.9745746,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04941251873970032},{"word":"know","start":163.68001,"end":164.16,"confidence":0.9994906,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0814027264714241},{"word":"within","start":164.16,"end":164.48001,"confidence":0.89486617,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.0926431119441986},{"word":"regards","start":164.48001,"end":164.88,"confidence":0.99423957,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.11510735005140305},{"word":"to","start":164.88,"end":164.96,"confidence":0.91772944,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17084062099456787},{"word":"this","start":164.96,"end":165.12001,"confidence":0.97587967,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.14536143839359283},{"word":"advice","start":165.12001,"end":165.36,"confidence":0.977783,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.11679913103580476},{"word":"as","start":165.36,"end":165.52,"confidence":0.9708713,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14396768808364868},{"word":"well","start":165.52,"end":165.68001,"confidence":0.9697511,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.134511798620224},{"word":"we","start":165.68001,"end":165.76001,"confidence":0.99971586,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17824161052703855},{"word":"are","start":165.76001,"end":165.92001,"confidence":0.99956673,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1892787218093872},{"word":"recommending","start":165.92001,"end":166.24,"confidence":0.993697,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.2478434592485428},{"word":"going","start":166.24,"end":166.36002,"confidence":0.9849347,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.18556709587574005},{"word":"to","start":166.36002,"end":166.48001,"confidence":0.5905582,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15637457370758057},{"word":"see","start":166.48001,"end":166.56,"confidence":0.4841764,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1483328342437744},{"word":"a","start":166.56,"end":166.64,"confidence":0.95343345,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13390378654003143},{"word":"low","start":166.64,"end":166.88,"confidence":0.76493776,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.12554793059825897},{"word":"set","start":166.88,"end":167.04001,"confidence":0.76682234,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.137877956032753},{"word":"up","start":167.04001,"end":167.12001,"confidence":0.6320348,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17661026120185852},{"word":"of","start":167.12001,"end":167.20001,"confidence":0.87131464,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1503402143716812},{"word":"wheels","start":167.20001,"end":167.44,"confidence":0.8747744,"punctuated_word":"wheels.","sentiment":"neutral","sentiment_score":0.10556010901927948},{"word":"so","start":167.44,"end":167.68001,"confidence":0.9967445,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17257000505924225},{"word":"if","start":167.68001,"end":167.76001,"confidence":0.99819344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18163999915122983},{"word":"you","start":167.76001,"end":167.92001,"confidence":0.9998504,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16466033458709717},{"word":"do","start":167.92001,"end":168.0,"confidence":0.9990619,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1426660269498825},{"word":"have","start":168.0,"end":168.16,"confidence":0.9958566,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1392340362071991},{"word":"any","start":168.16,"end":168.32,"confidence":0.9997409,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.13916203379631042},{"word":"questions","start":168.32,"end":168.8,"confidence":0.9997483,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.09933467954397202},{"word":"regarding","start":168.8,"end":169.3,"confidence":0.9522097,"punctuated_word":"regarding,","sentiment":"neutral","sentiment_score":0.07023881375789642},{"word":"like","start":169.36,"end":169.6,"confidence":0.9930174,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0789787620306015},{"word":"how","start":169.6,"end":169.84001,"confidence":0.6056615,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.08069786429405212},{"word":"carers","start":169.84001,"end":170.34001,"confidence":0.8802918,"punctuated_word":"carers","sentiment":"neutral","sentiment_score":0.03448576480150223},{"word":"payments","start":172.205,"end":172.685,"confidence":0.9653406,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":-0.008479505777359009},{"word":"can","start":172.685,"end":172.925,"confidence":0.99281424,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.043866775929927826},{"word":"impact","start":172.925,"end":173.245,"confidence":0.9119084,"punctuated_word":"impact,","sentiment":"neutral","sentiment_score":0.05967436730861664},{"word":"like","start":173.245,"end":173.405,"confidence":0.9265436,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07021195441484451},{"word":"wills","start":173.405,"end":173.645,"confidence":0.98770756,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":0.06818300485610962},{"word":"and","start":173.645,"end":173.805,"confidence":0.9403027,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08060871064662933},{"word":"estates","start":173.805,"end":174.045,"confidence":0.99505323,"punctuated_word":"estates","sentiment":"neutral","sentiment_score":0.07499322295188904},{"word":"and","start":174.045,"end":174.125,"confidence":0.97863334,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11159485578536989},{"word":"things","start":174.125,"end":174.365,"confidence":0.99960333,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.081448033452034},{"word":"like","start":174.365,"end":174.525,"confidence":0.99527353,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06489624828100204},{"word":"that","start":174.525,"end":174.605,"confidence":0.99985945,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13813453912734985},{"word":"as","start":174.605,"end":174.765,"confidence":0.998944,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15308862924575806},{"word":"well","start":174.765,"end":175.005,"confidence":0.93964934,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.16780468821525574},{"word":"you","start":175.005,"end":175.08499,"confidence":0.9982035,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19386261701583865},{"word":"can","start":175.08499,"end":175.325,"confidence":0.9999119,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17154255509376526},{"word":"have","start":175.325,"end":175.485,"confidence":0.99988186,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1213110163807869},{"word":"a","start":175.485,"end":175.645,"confidence":0.9995376,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13131029903888702},{"word":"conversation","start":175.645,"end":176.045,"confidence":0.999724,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.10079871118068696},{"word":"with","start":176.045,"end":176.205,"confidence":0.9996922,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0908595621585846},{"word":"them","start":176.205,"end":176.44499,"confidence":0.9998516,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.06097257137298584},{"word":"as","start":176.44499,"end":176.605,"confidence":0.999813,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12499716877937316},{"word":"well","start":176.605,"end":177.105,"confidence":0.99947006,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.07278822362422943},{"word":"but","start":178.765,"end":178.925,"confidence":0.9785136,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05809076130390167},{"word":"in","start":178.925,"end":179.165,"confidence":0.99849117,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05686121433973312},{"word":"regards","start":179.165,"end":179.645,"confidence":0.9991381,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.07087093591690063},{"word":"to","start":179.645,"end":179.885,"confidence":0.999902,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1030113399028778},{"word":"this","start":179.885,"end":180.125,"confidence":0.99964106,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10503453761339188},{"word":"document","start":180.125,"end":180.525,"confidence":0.9998975,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.11841221153736116},{"word":"here","start":180.525,"end":180.765,"confidence":0.99547696,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.05788303911685944},{"word":"i'll","start":180.765,"end":180.845,"confidence":0.99679345,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0688939243555069},{"word":"just","start":180.845,"end":181.08499,"confidence":0.99867487,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07393251359462738},{"word":"be","start":181.08499,"end":181.165,"confidence":0.99897325,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06449682265520096},{"word":"sending","start":181.165,"end":181.485,"confidence":0.89299923,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":0.06777451932430267},{"word":"this","start":181.485,"end":181.985,"confidence":0.995394,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07238845527172089},{"word":"to","start":182.285,"end":182.765,"confidence":0.98258984,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08187698572874069},{"word":"your","start":182.765,"end":183.08499,"confidence":0.99736893,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08892478048801422},{"word":"email","start":183.08499,"end":183.325,"confidence":0.9997156,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.11138661205768584},{"word":"address","start":183.325,"end":183.725,"confidence":0.99898666,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.07785258442163467},{"word":"there","start":183.725,"end":184.225,"confidence":0.7894685,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.07308422029018402},{"word":"nave","start":184.34,"end":184.73999,"confidence":0.721841,"punctuated_word":"nave","sentiment":"neutral","sentiment_score":0.04781745374202728},{"word":"underscore","start":184.73999,"end":185.23999,"confidence":0.90481913,"punctuated_word":"underscore","sentiment":"neutral","sentiment_score":0.04507660120725632},{"word":"i'm","start":185.54,"end":185.7,"confidence":0.9729167,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03589465469121933},{"word":"gonna","start":185.7,"end":185.93999,"confidence":0.98577327,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.03879927843809128},{"word":"put","start":185.93999,"end":186.09999,"confidence":0.81528693,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.025056354701519012},{"word":"you","start":186.09999,"end":186.26,"confidence":0.9004619,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020945098251104355},{"word":"your","start":186.26,"end":186.5,"confidence":0.760136,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.020691797137260437},{"word":"last","start":186.5,"end":186.73999,"confidence":0.6118468,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.02570488303899765},{"word":"name","start":186.73999,"end":186.9,"confidence":0.89336336,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.024971788749098774},{"word":"but","start":186.9,"end":187.06,"confidence":0.99977905,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03011178597807884},{"word":"then@hotmail.com","start":187.06,"end":188.09999,"confidence":0.9509366,"punctuated_word":"then@hotmail.com.","sentiment":"neutral","sentiment_score":0.024062009528279305},{"word":"is","start":188.09999,"end":188.26,"confidence":0.9956695,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.028678132221102715},{"word":"that","start":188.26,"end":188.42,"confidence":0.9980566,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.031966157257556915},{"word":"still","start":188.42,"end":188.65999,"confidence":0.9518181,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.023199651390314106},{"word":"your","start":188.65999,"end":188.73999,"confidence":0.8916419,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.007047371938824654},{"word":"correct","start":188.73999,"end":188.98,"confidence":0.9990964,"punctuated_word":"correct","sentiment":"neutral","sentiment_score":0.049095410853624344},{"word":"email","start":188.98,"end":189.48,"confidence":0.92621374,"punctuated_word":"email?","sentiment":"neutral","sentiment_score":0.04456613212823868},{"word":"perfect","start":190.65999,"end":191.15999,"confidence":0.63621193,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5212594866752625},{"word":"so","start":191.45999,"end":191.62,"confidence":0.9319866,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3079296946525574},{"word":"this","start":191.62,"end":191.78,"confidence":0.9989434,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.36805015802383423},{"word":"will","start":191.78,"end":191.93999,"confidence":0.94717926,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.37791532278060913},{"word":"be","start":191.93999,"end":192.09999,"confidence":0.99987876,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.37097394466400146},{"word":"there","start":192.09999,"end":192.34,"confidence":0.9963871,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3971511125564575},{"word":"shortly","start":192.34,"end":192.81999,"confidence":0.9915589,"punctuated_word":"shortly.","sentiment":"positive","sentiment_score":0.3537612557411194},{"word":"as","start":192.81999,"end":193.06,"confidence":0.99938774,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.239836186170578},{"word":"i","start":193.06,"end":193.14,"confidence":0.9966725,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20493341982364657},{"word":"said","start":193.14,"end":193.64,"confidence":0.99614507,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.2046959102153778},{"word":"you'll","start":194.09999,"end":194.26,"confidence":0.9939135,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.2454116642475128},{"word":"be","start":194.26,"end":194.42,"confidence":0.99965847,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2640840709209442},{"word":"able","start":194.42,"end":194.57999,"confidence":0.97109175,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.27499088644981384},{"word":"to","start":194.57999,"end":194.73999,"confidence":0.995877,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3184219002723694},{"word":"sort","start":194.73999,"end":194.9,"confidence":0.9856295,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2547157108783722},{"word":"of","start":194.9,"end":194.98,"confidence":0.9070911,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28044429421424866},{"word":"review","start":194.98,"end":195.29999,"confidence":0.9994374,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.29356640577316284},{"word":"the","start":195.29999,"end":195.45999,"confidence":0.9950134,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26128628849983215},{"word":"statement","start":195.45999,"end":195.86,"confidence":0.99682605,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.2419014871120453},{"word":"advice","start":195.86,"end":196.18,"confidence":0.82930094,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.19759713113307953},{"word":"the","start":196.18,"end":196.26,"confidence":0.99186486,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2113610804080963},{"word":"appendix","start":196.26,"end":196.73999,"confidence":0.994786,"punctuated_word":"appendix","sentiment":"neutral","sentiment_score":0.12627287209033966},{"word":"there","start":196.73999,"end":196.9,"confidence":0.7139428,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.17573115229606628},{"word":"you'll","start":196.9,"end":197.14,"confidence":0.9301237,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.19999495148658752},{"word":"also","start":197.14,"end":197.37999,"confidence":0.7072865,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1388729363679886},{"word":"the","start":197.54,"end":197.7,"confidence":0.93301904,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18304762244224548},{"word":"ophi","start":197.7,"end":198.09999,"confidence":0.34828472,"punctuated_word":"Ophi","sentiment":"neutral","sentiment_score":0.18061670660972595},{"word":"service","start":198.09999,"end":198.375,"confidence":0.690579,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.1423602998256683},{"word":"guide","start":198.615,"end":199.095,"confidence":0.9933781,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.20234531164169312},{"word":"and","start":199.095,"end":199.335,"confidence":0.63368,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15013010799884796},{"word":"then","start":199.335,"end":199.495,"confidence":0.9904151,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2062608897686005},{"word":"the","start":199.495,"end":199.575,"confidence":0.72343594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19103556871414185},{"word":"op","start":199.575,"end":199.895,"confidence":0.99761665,"punctuated_word":"OP","sentiment":"neutral","sentiment_score":0.1823309361934662},{"word":"financial","start":199.895,"end":200.295,"confidence":0.7444839,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.16626614332199097},{"word":"services","start":200.295,"end":200.615,"confidence":0.9857486,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.11357076466083528},{"word":"guide","start":200.615,"end":200.855,"confidence":0.949463,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.17548558115959167},{"word":"as","start":200.855,"end":200.935,"confidence":0.83779037,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1575150042772293},{"word":"well","start":200.935,"end":201.095,"confidence":0.9994055,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.17228125035762787},{"word":"as","start":201.095,"end":201.175,"confidence":0.99293065,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1805073618888855},{"word":"the","start":201.175,"end":201.255,"confidence":0.90088636,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2431083619594574},{"word":"pdfs","start":201.255,"end":201.655,"confidence":0.72647417,"punctuated_word":"PDFs","sentiment":"neutral","sentiment_score":0.18068590760231015},{"word":"for","start":201.655,"end":201.815,"confidence":0.9761212,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17025291919708252},{"word":"your","start":201.815,"end":201.895,"confidence":0.98916656,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18193064630031583},{"word":"current","start":201.895,"end":202.135,"confidence":0.9956306,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.13881418108940125},{"word":"insurance","start":202.135,"end":202.535,"confidence":0.9873431,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.13041317462921145},{"word":"there","start":202.535,"end":202.695,"confidence":0.9395013,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.21656015515327456},{"word":"as","start":202.695,"end":202.855,"confidence":0.99898666,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23149482905864716},{"word":"well","start":202.855,"end":203.355,"confidence":0.99954176,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.00951295718550682},{"word":"as","start":203.495,"end":203.735,"confidence":0.9978581,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.18178683519363403},{"word":"far","start":203.735,"end":204.055,"confidence":0.9992563,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.12427882105112076},{"word":"as","start":204.055,"end":204.555,"confidence":0.99933404,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12322060018777849},{"word":"the","start":205.895,"end":206.135,"confidence":0.99806863,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1515362560749054},{"word":"advice","start":206.135,"end":206.635,"confidence":0.9397493,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.14333543181419373},{"word":"goes","start":206.695,"end":206.935,"confidence":0.99257314,"punctuated_word":"goes,","sentiment":"neutral","sentiment_score":0.25502121448516846},{"word":"it","start":206.935,"end":207.175,"confidence":0.9981938,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3362163305282593},{"word":"is","start":207.175,"end":207.675,"confidence":0.9996119,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4328515231609345},{"word":"quite","start":208.055,"end":208.555,"confidence":0.9915917,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.4493962824344635},{"word":"straightforward","start":208.695,"end":209.195,"confidence":0.99492836,"punctuated_word":"straightforward","sentiment":"neutral","sentiment_score":0.2326660305261612},{"word":"in","start":209.415,"end":209.655,"confidence":0.99858093,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3140827417373657},{"word":"terms","start":209.655,"end":209.895,"confidence":0.9999502,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.2500830888748169},{"word":"of","start":209.895,"end":210.39,"confidence":0.99888307,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28796613216400146},{"word":"oh","start":210.98999,"end":211.48999,"confidence":0.8287599,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.2231707274913788},{"word":"i","start":211.59,"end":211.75,"confidence":0.9995403,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13313864171504974},{"word":"think","start":211.75,"end":212.06999,"confidence":0.999782,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.10751629620790482},{"word":"it","start":212.06999,"end":212.31,"confidence":0.994768,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1046132892370224},{"word":"just","start":212.31,"end":212.81,"confidence":0.89831054,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05824749171733856},{"word":"didn't","start":215.75,"end":216.06999,"confidence":0.9808943,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.026670511811971664},{"word":"send","start":216.06999,"end":216.39,"confidence":0.8046396,"punctuated_word":"send,","sentiment":"neutral","sentiment_score":0.002469392493367195},{"word":"so","start":216.39,"end":216.47,"confidence":0.99097,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.012673147022724152},{"word":"i'm","start":216.47,"end":216.55,"confidence":0.8614016,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.008923148736357689},{"word":"just","start":216.55,"end":216.70999,"confidence":0.99187464,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.021758608520030975},{"word":"gonna","start":216.70999,"end":216.87,"confidence":0.59992975,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.01920444890856743},{"word":"have","start":216.87,"end":216.95,"confidence":0.90275013,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.031133055686950684},{"word":"to","start":216.95,"end":217.03,"confidence":0.99815696,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05803293362259865},{"word":"resend","start":217.03,"end":217.35,"confidence":0.9941381,"punctuated_word":"resend","sentiment":"neutral","sentiment_score":0.019443372264504433},{"word":"that","start":217.35,"end":217.85,"confidence":0.98785436,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07688359916210175},{"word":"but","start":218.06999,"end":218.39,"confidence":0.93171513,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08022309839725494},{"word":"as","start":218.39,"end":218.55,"confidence":0.9968656,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.032784353941679},{"word":"far","start":218.55,"end":218.87,"confidence":0.9996574,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.04628485441207886},{"word":"as","start":218.87,"end":219.37,"confidence":0.99676454,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02994675189256668},{"word":"the","start":220.31,"end":220.47,"confidence":0.97549665,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09685687720775604},{"word":"device","start":220.47,"end":220.79,"confidence":0.8502705,"punctuated_word":"device","sentiment":"neutral","sentiment_score":0.08766249567270279},{"word":"itself","start":220.79,"end":221.03,"confidence":0.9975536,"punctuated_word":"itself,","sentiment":"neutral","sentiment_score":0.07112804055213928},{"word":"it","start":221.03,"end":221.19,"confidence":0.9961796,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09920382499694824},{"word":"is","start":221.19,"end":221.27,"confidence":0.9891545,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06254240870475769},{"word":"just","start":221.27,"end":221.51,"confidence":0.9992207,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05540124326944351},{"word":"an","start":221.51,"end":221.67,"confidence":0.9960645,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.052777551114559174},{"word":"investment","start":221.67,"end":222.17,"confidence":0.99977344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.04666662961244583},{"word":"update","start":222.23,"end":222.73,"confidence":0.9995493,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.07464040815830231},{"word":"in","start":223.27,"end":223.51,"confidence":0.96113354,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07653465121984482},{"word":"regards","start":223.51,"end":224.01,"confidence":0.9969408,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.06958708167076111},{"word":"to","start":224.15,"end":224.65,"confidence":0.87502694,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.05396139621734619},{"word":"like","start":224.985,"end":225.14499,"confidence":0.9676764,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.039471693336963654},{"word":"the","start":225.14499,"end":225.545,"confidence":0.97207975,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0653538629412651},{"word":"obviously","start":225.625,"end":226.025,"confidence":0.89751375,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.029210522770881653},{"word":"the","start":226.025,"end":226.185,"confidence":0.99973494,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03415440395474434},{"word":"assets","start":226.185,"end":226.58499,"confidence":0.99677,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.03153407201170921},{"word":"there","start":226.58499,"end":226.745,"confidence":0.99844885,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.03127957507967949},{"word":"and","start":226.745,"end":226.985,"confidence":0.81047505,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.009330399334430696},{"word":"then","start":226.985,"end":227.14499,"confidence":0.9986045,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.034322671592235565},{"word":"also","start":227.14499,"end":227.465,"confidence":0.97887933,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.014255598187446594},{"word":"the","start":227.465,"end":227.705,"confidence":0.98645836,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004927471280097961},{"word":"contributions","start":227.705,"end":228.205,"confidence":0.94710547,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.02368483692407608},{"word":"because","start":228.58499,"end":228.985,"confidence":0.6840923,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.02196115255355835},{"word":"you","start":228.985,"end":229.22499,"confidence":0.5465236,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06501361727714539},{"word":"aren't","start":229.22499,"end":229.465,"confidence":0.91486454,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.10282750427722932},{"word":"working","start":229.465,"end":229.78499,"confidence":0.9979752,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.112641379237175},{"word":"and","start":229.78499,"end":229.86499,"confidence":0.44287845,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14853456616401672},{"word":"aren't","start":229.86499,"end":230.025,"confidence":0.9049139,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.1488095074892044},{"word":"earning","start":230.025,"end":230.265,"confidence":0.9998468,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":-0.1678001433610916},{"word":"much","start":230.265,"end":230.42499,"confidence":0.9993862,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.15338778495788574},{"word":"of","start":230.42499,"end":230.50499,"confidence":0.97929585,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14371798932552338},{"word":"an","start":230.50499,"end":230.665,"confidence":0.99425715,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.1211734190583229},{"word":"income","start":230.665,"end":230.985,"confidence":0.9993444,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.10572918504476549},{"word":"at","start":230.985,"end":231.14499,"confidence":0.99965143,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.13284572958946228},{"word":"the","start":231.14499,"end":231.22499,"confidence":0.99950063,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11229047179222108},{"word":"moment","start":231.22499,"end":231.72499,"confidence":0.9767139,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.03857934474945069},{"word":"yeah","start":233.305,"end":233.705,"confidence":0.7131032,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10019528120756148},{"word":"so","start":233.705,"end":234.185,"confidence":0.99280614,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09858560562133788},{"word":"bear","start":234.185,"end":234.50499,"confidence":0.99044436,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":0.0969836413860321},{"word":"with","start":234.50499,"end":234.665,"confidence":0.99960047,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07374181598424911},{"word":"me","start":234.665,"end":234.905,"confidence":0.9937531,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.1524943709373474},{"word":"i'll","start":234.905,"end":235.065,"confidence":0.82342994,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.13032697141170502},{"word":"just","start":235.065,"end":235.385,"confidence":0.99981743,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1301937699317932},{"word":"go","start":235.385,"end":235.545,"confidence":0.65827316,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.13008683919906616},{"word":"to","start":235.545,"end":235.78499,"confidence":0.8867604,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15079182386398315},{"word":"redo","start":235.78499,"end":236.265,"confidence":0.99937,"punctuated_word":"redo","sentiment":"neutral","sentiment_score":0.10607587546110152},{"word":"this","start":236.265,"end":236.76,"confidence":0.9992994,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10516823083162308},{"word":"document","start":238.2,"end":238.68,"confidence":0.9989504,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.123785600066185},{"word":"there","start":238.68,"end":239.0,"confidence":0.98324263,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08780217915773392},{"word":"because","start":239.0,"end":239.31999,"confidence":0.9246174,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05145366117358208},{"word":"it's","start":239.31999,"end":239.81999,"confidence":0.9964064,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.053771547973155975},{"word":"sorry","start":253.33499,"end":253.655,"confidence":0.80941546,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.04367436468601227},{"word":"technology","start":253.655,"end":254.155,"confidence":0.99918085,"punctuated_word":"Technology","sentiment":"neutral","sentiment_score":-0.09367487579584122},{"word":"never","start":254.295,"end":254.53499,"confidence":0.99995685,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.10877249389886856},{"word":"works","start":254.53499,"end":254.775,"confidence":0.9998079,"punctuated_word":"works","sentiment":"neutral","sentiment_score":-0.010451525449752808},{"word":"when","start":254.775,"end":254.935,"confidence":0.9994686,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.019472122192382812},{"word":"you","start":254.935,"end":255.095,"confidence":0.99978477,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0113820880651474},{"word":"want","start":255.095,"end":255.25499,"confidence":0.994321,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.01967405527830124},{"word":"it","start":255.25499,"end":255.415,"confidence":0.9988838,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.022898390889167786},{"word":"to","start":255.415,"end":255.655,"confidence":0.95267546,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.006125003099441528},{"word":"so","start":255.655,"end":256.155,"confidence":0.8695245,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3376651704311371},{"word":"but","start":273.19,"end":273.35,"confidence":0.7078292,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.17624236643314362},{"word":"just","start":273.35,"end":273.85,"confidence":0.99584395,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09132326394319534},{"word":"while","start":273.91,"end":274.41,"confidence":0.8828105,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.09089510887861252},{"word":"i'm","start":275.005,"end":275.245,"confidence":0.9976845,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.15697526931762695},{"word":"just","start":275.245,"end":275.645,"confidence":0.99881136,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12807567417621613},{"word":"finishing","start":275.645,"end":276.045,"confidence":0.9999231,"punctuated_word":"finishing","sentiment":"neutral","sentiment_score":0.09340347349643709},{"word":"up","start":276.045,"end":276.285,"confidence":0.9976037,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.11067304760217668},{"word":"that","start":276.285,"end":276.445,"confidence":0.94266796,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15814298391342163},{"word":"then","start":276.445,"end":276.685,"confidence":0.6719276,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.16524603962898254},{"word":"naeve","start":276.685,"end":276.845,"confidence":0.6047821,"punctuated_word":"Naeve,","sentiment":"neutral","sentiment_score":0.13619419932365415},{"word":"do","start":276.845,"end":277.005,"confidence":0.998596,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.052797455340623856},{"word":"you","start":277.005,"end":277.085,"confidence":0.9989794,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0679604560136795},{"word":"have","start":277.085,"end":277.245,"confidence":0.99728525,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0533435121178627},{"word":"any","start":277.245,"end":277.405,"confidence":0.9989316,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03879765793681145},{"word":"questions","start":277.405,"end":277.905,"confidence":0.9992872,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.03437486290931702},{"word":"or","start":278.445,"end":278.685,"confidence":0.94312346,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0012463033199310305},{"word":"concerns","start":278.685,"end":279.085,"confidence":0.99936277,"punctuated_word":"concerns","sentiment":"neutral","sentiment_score":-0.027137313038110733},{"word":"at","start":279.085,"end":279.245,"confidence":0.9989059,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.019678134471178055},{"word":"the","start":279.245,"end":279.325,"confidence":0.9995621,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.053153712302446365},{"word":"moment","start":279.325,"end":279.565,"confidence":0.99997723,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.0546659454703331},{"word":"that","start":279.565,"end":279.725,"confidence":0.9994209,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04050703719258309},{"word":"we","start":279.725,"end":279.965,"confidence":0.98639226,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05099833384156227},{"word":"sort","start":279.965,"end":280.205,"confidence":0.51300246,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.05055147036910057},{"word":"of","start":280.205,"end":280.285,"confidence":0.7195203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.037381790578365326},{"word":"haven't","start":280.285,"end":280.525,"confidence":0.99891007,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.014579958282411098},{"word":"discussed","start":280.525,"end":280.845,"confidence":0.99830854,"punctuated_word":"discussed","sentiment":"neutral","sentiment_score":0.030695650726556774},{"word":"or","start":280.845,"end":280.925,"confidence":0.9710967,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01289023458957672},{"word":"haven't","start":280.925,"end":281.245,"confidence":0.8713419,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.022311747074127197},{"word":"mentioned","start":281.245,"end":281.48502,"confidence":0.99853194,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.019096724689006805},{"word":"before","start":281.48502,"end":281.805,"confidence":0.99982256,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.001476675271987915},{"word":"jumping","start":281.805,"end":282.045,"confidence":0.9987533,"punctuated_word":"jumping","sentiment":"neutral","sentiment_score":0.05476195365190506},{"word":"in","start":282.045,"end":282.205,"confidence":0.98414767,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.025489579886198044},{"word":"that","start":282.205,"end":282.365,"confidence":0.9884384,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009726498275995256},{"word":"today","start":282.365,"end":282.865,"confidence":0.99842536,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.010808013379573822},{"word":"yep","start":299.755,"end":300.255,"confidence":0.8380217,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07442744821310043},{"word":"yeah","start":314.09003,"end":314.41,"confidence":0.84074795,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15160274505615234},{"word":"i","start":314.41,"end":314.65002,"confidence":0.99602413,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22671566903591156},{"word":"did","start":314.65002,"end":315.05002,"confidence":0.99970275,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.24951505661010745},{"word":"include","start":315.05002,"end":315.55002,"confidence":0.9994893,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.2037219405174255},{"word":"that","start":315.61002,"end":315.85,"confidence":0.99964714,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23874950408935547},{"word":"in","start":315.85,"end":316.01,"confidence":0.99984896,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18208931386470795},{"word":"this","start":316.01,"end":316.33002,"confidence":0.9981554,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2165287733078003},{"word":"document","start":316.33002,"end":316.83002,"confidence":0.99991333,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.2117009460926056},{"word":"here","start":316.89,"end":317.13,"confidence":0.9996902,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.2417367696762085},{"word":"as","start":317.13,"end":317.37003,"confidence":0.9998035,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22497832775115967},{"word":"well","start":317.37003,"end":317.85,"confidence":0.9918891,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1556093692779541},{"word":"so","start":317.85,"end":318.35,"confidence":0.99870205,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17384769022464752},{"word":"now","start":318.73,"end":318.97,"confidence":0.9980996,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.1938129216432571},{"word":"that","start":318.97,"end":319.21002,"confidence":0.9995542,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15621283650398254},{"word":"i've","start":319.21002,"end":319.37003,"confidence":0.99984527,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.16803209483623505},{"word":"got","start":319.37003,"end":319.69,"confidence":0.99779737,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1998121440410614},{"word":"that","start":319.69,"end":320.19,"confidence":0.9978855,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17895562946796417},{"word":"read","start":320.49002,"end":320.97,"confidence":0.8332755,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.15267828106880188},{"word":"done","start":320.97,"end":321.21002,"confidence":0.84206116,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.15283161401748657},{"word":"there","start":321.21002,"end":321.53003,"confidence":0.9791988,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1672424077987671},{"word":"as","start":321.53003,"end":321.77002,"confidence":0.96935296,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1875685453414917},{"word":"well","start":321.77002,"end":322.27002,"confidence":0.70230037,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.13375172019004822},{"word":"exactly","start":339.97,"end":340.29,"confidence":0.761368,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.2196885049343109},{"word":"and","start":340.29,"end":340.53,"confidence":0.9958936,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.215579554438591},{"word":"i","start":340.53,"end":340.61,"confidence":0.99970055,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19956719875335693},{"word":"did","start":340.61,"end":340.77,"confidence":0.63880014,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.251754492521286},{"word":"include","start":340.77,"end":341.09,"confidence":0.99879044,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.24016523361206055},{"word":"that","start":341.09,"end":341.33,"confidence":0.9989845,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23874995112419128},{"word":"in","start":341.33,"end":341.49,"confidence":0.9978048,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1907632052898407},{"word":"the","start":341.49,"end":341.73,"confidence":0.99787927,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22235476970672607},{"word":"the","start":341.73,"end":341.81,"confidence":0.6835531,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20752942562103271},{"word":"document","start":341.81,"end":342.13,"confidence":0.8840553,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.17671096324920654},{"word":"i","start":342.13,"end":342.21,"confidence":0.9648711,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03472566232085228},{"word":"didn't","start":342.21,"end":342.53,"confidence":0.98737526,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.05054678022861481},{"word":"include","start":342.53,"end":342.85,"confidence":0.9954716,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.08876876533031464},{"word":"the","start":342.85,"end":343.01,"confidence":0.9995515,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.061633095145225525},{"word":"amount","start":343.01,"end":343.51,"confidence":0.99951077,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.08856351673603058},{"word":"you","start":343.65,"end":343.81,"confidence":0.8492009,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07124963402748108},{"word":"could","start":343.81,"end":343.97,"confidence":0.99939895,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.07341870665550232},{"word":"do","start":343.97,"end":344.21,"confidence":0.9996201,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11074944585561752},{"word":"given","start":344.21,"end":344.45,"confidence":0.8149714,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.09723831713199615},{"word":"that","start":344.45,"end":344.61,"confidence":0.99930143,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1248992532491684},{"word":"you","start":344.61,"end":344.85,"confidence":0.99520975,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12021441757678986},{"word":"are","start":344.85,"end":345.35,"confidence":0.5671205,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07244780659675598},{"word":"really","start":345.89,"end":346.39,"confidence":0.98791575,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.171174556016922},{"word":"earning","start":347.42502,"end":347.74503,"confidence":0.99550503,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":0.17221686244010925},{"word":"income","start":347.74503,"end":348.24503,"confidence":0.94414145,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.14329731464385986},{"word":"and","start":348.625,"end":348.86502,"confidence":0.49642178,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1822075247764587},{"word":"then","start":348.86502,"end":349.105,"confidence":0.9990847,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2662917673587799},{"word":"what","start":349.105,"end":349.345,"confidence":0.9993006,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.22215613722801208},{"word":"you","start":349.345,"end":349.58502,"confidence":0.9983082,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2245478332042694},{"word":"get","start":349.58502,"end":349.825,"confidence":0.96310323,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.256173700094223},{"word":"for","start":349.825,"end":349.98502,"confidence":0.6386645,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2620064914226532},{"word":"that","start":349.98502,"end":350.14502,"confidence":0.999767,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2529808282852173},{"word":"as","start":350.14502,"end":350.30502,"confidence":0.9867785,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2191683053970337},{"word":"well","start":350.30502,"end":350.545,"confidence":0.9915059,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.20891302824020383},{"word":"so","start":350.545,"end":350.70502,"confidence":0.9990299,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24074630439281464},{"word":"you","start":350.70502,"end":350.86502,"confidence":0.99948394,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2856513559818268},{"word":"should","start":350.86502,"end":351.105,"confidence":0.99995613,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.3110382854938507},{"word":"have","start":351.105,"end":351.265,"confidence":0.99986017,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.26315486431121826},{"word":"that","start":351.265,"end":351.58502,"confidence":0.9998242,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2331766337156296},{"word":"shortly","start":351.58502,"end":351.98502,"confidence":0.99988246,"punctuated_word":"shortly","sentiment":"neutral","sentiment_score":0.19420242309570312},{"word":"there","start":351.98502,"end":352.48502,"confidence":0.97522765,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.20473849773406985},{"word":"while","start":352.86502,"end":353.18503,"confidence":0.9816891,"punctuated_word":"While","sentiment":"neutral","sentiment_score":0.10148953646421432},{"word":"that's","start":353.18503,"end":353.42502,"confidence":0.99967396,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0885542780160904},{"word":"coming","start":353.42502,"end":353.74503,"confidence":0.9998336,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.07297345995903015},{"word":"through","start":353.74503,"end":353.98502,"confidence":0.9994586,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08729106187820435},{"word":"there","start":353.98502,"end":354.30502,"confidence":0.9520674,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.05410784110426903},{"word":"neve","start":354.30502,"end":354.80502,"confidence":0.7286821,"punctuated_word":"Neve,","sentiment":"neutral","sentiment_score":0.06692750751972198},{"word":"in","start":354.945,"end":355.18503,"confidence":0.9765322,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06037900596857071},{"word":"regards","start":355.18503,"end":355.68503,"confidence":0.9988901,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.10311867296695708},{"word":"to","start":356.065,"end":356.565,"confidence":0.99942327,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1386117935180664},{"word":"just","start":356.785,"end":356.945,"confidence":0.94856715,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20393870770931244},{"word":"the","start":356.945,"end":357.02502,"confidence":0.99422014,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2202339470386505},{"word":"best","start":357.02502,"end":357.265,"confidence":0.9995198,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.2108308970928192},{"word":"interest","start":357.265,"end":357.505,"confidence":0.98543143,"punctuated_word":"interest","sentiment":"positive","sentiment_score":0.3823060989379883},{"word":"of","start":357.505,"end":357.58502,"confidence":0.73776394,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3704417645931244},{"word":"you","start":357.58502,"end":357.74503,"confidence":0.9399377,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.20487473905086517},{"word":"obviously","start":357.74503,"end":357.98502,"confidence":0.976018,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.0266343355178833},{"word":"we","start":357.98502,"end":358.14502,"confidence":0.9995535,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15241312980651855},{"word":"can't","start":358.14502,"end":358.30502,"confidence":0.99951553,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.18151327967643735},{"word":"put","start":358.30502,"end":358.46503,"confidence":0.99893266,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.2370833456516266},{"word":"you","start":358.46503,"end":358.545,"confidence":0.99022245,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.19020473957061768},{"word":"in","start":358.545,"end":358.70502,"confidence":0.99932766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1796845942735672},{"word":"a","start":358.70502,"end":358.785,"confidence":0.99958366,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19918181002140045},{"word":"better","start":358.785,"end":358.945,"confidence":0.9999348,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.21439480781555176},{"word":"position","start":358.945,"end":359.265,"confidence":0.973577,"punctuated_word":"position.","sentiment":"neutral","sentiment_score":-0.06259780377149582},{"word":"we're","start":359.265,"end":359.42502,"confidence":0.99937963,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.24143925309181213},{"word":"not","start":359.42502,"end":359.58502,"confidence":0.99990916,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2868623435497284},{"word":"gonna","start":359.58502,"end":359.825,"confidence":0.9627954,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2223358452320099},{"word":"sort","start":359.825,"end":360.065,"confidence":0.99186957,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2496474981307983},{"word":"of","start":360.065,"end":360.14502,"confidence":0.72222817,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2699517011642456},{"word":"make","start":360.14502,"end":360.385,"confidence":0.9992513,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.27171215415000916},{"word":"the","start":360.385,"end":360.545,"confidence":0.99691784,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2548859715461731},{"word":"recommendation","start":360.545,"end":361.045,"confidence":0.9978839,"punctuated_word":"recommendation.","sentiment":"neutral","sentiment_score":-0.2586964964866638},{"word":"i","start":362.07,"end":362.31,"confidence":0.990462,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13275064527988434},{"word":"know","start":362.31,"end":362.47,"confidence":0.9052144,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.08015564829111099},{"word":"yeah","start":362.47,"end":362.71002,"confidence":0.9393754,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.04623660072684288},{"word":"currently","start":362.71002,"end":363.03,"confidence":0.9107962,"punctuated_word":"currently,","sentiment":"neutral","sentiment_score":-0.10853235423564912},{"word":"you're","start":363.03,"end":363.19,"confidence":0.9993777,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.1025790423154831},{"word":"not","start":363.19,"end":363.43,"confidence":0.9999335,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1374085396528244},{"word":"sort","start":363.43,"end":363.67,"confidence":0.99795437,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1918480396270752},{"word":"of","start":363.67,"end":363.75,"confidence":0.9464474,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1718534380197525},{"word":"working","start":363.75,"end":364.07,"confidence":0.9991726,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.17298875749111176},{"word":"at","start":364.07,"end":364.31,"confidence":0.9898129,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.23928511142730713},{"word":"the","start":364.31,"end":364.39,"confidence":0.9901625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2453082948923111},{"word":"the","start":364.39,"end":364.89,"confidence":0.9272605,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2339177131652832},{"word":"the","start":365.67,"end":365.75,"confidence":0.8398517,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1911683827638626},{"word":"moment","start":365.75,"end":366.15,"confidence":0.76987994,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.16591495275497437},{"word":"but","start":366.15,"end":366.23,"confidence":0.984202,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.087308868765831},{"word":"you","start":366.23,"end":366.39,"confidence":0.99968207,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10966833680868147},{"word":"are","start":366.39,"end":366.55002,"confidence":0.9963677,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1085171401500702},{"word":"sort","start":366.55002,"end":366.63,"confidence":0.9944002,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.07343388348817825},{"word":"of","start":366.63,"end":366.71002,"confidence":0.98441863,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1090557500720024},{"word":"doing","start":366.71002,"end":366.95,"confidence":0.9997024,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.04512804746627808},{"word":"a","start":366.95,"end":367.03,"confidence":0.99906796,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.066927969455719},{"word":"bit","start":367.03,"end":367.11,"confidence":0.9989888,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07136745005846024},{"word":"of","start":367.11,"end":367.19,"confidence":0.99939895,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13119825720787048},{"word":"work","start":367.19,"end":367.43,"confidence":0.9998889,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.07115359604358673},{"word":"here","start":367.43,"end":367.67,"confidence":0.99976903,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.04071684181690216},{"word":"and","start":367.67,"end":367.75,"confidence":0.98089874,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06463543325662613},{"word":"there","start":367.75,"end":367.91,"confidence":0.5090047,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.056488633155822754},{"word":"you're","start":367.91,"end":368.07,"confidence":0.9432956,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.25890904664993286},{"word":"able","start":368.07,"end":368.31,"confidence":0.9994141,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.269639790058136},{"word":"to","start":368.31,"end":368.39,"confidence":0.9989655,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2075880467891693},{"word":"get","start":368.39,"end":368.55002,"confidence":0.99897254,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.22759845852851868},{"word":"by","start":368.55002,"end":368.79,"confidence":0.9471623,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2271898090839386},{"word":"on","start":368.79,"end":368.87,"confidence":0.994557,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.22048667073249817},{"word":"you","start":368.87,"end":369.03,"confidence":0.6494697,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.08545275032520294},{"word":"so","start":369.03,"end":369.27002,"confidence":0.9978929,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07618409395217896},{"word":"it's","start":369.27002,"end":369.43,"confidence":0.9701362,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.13497783243656158},{"word":"just","start":369.43,"end":369.59,"confidence":0.99575895,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1536960005760193},{"word":"redundancy","start":369.59,"end":370.09,"confidence":0.9081612,"punctuated_word":"redundancy","sentiment":"neutral","sentiment_score":0.09021087735891342},{"word":"payment","start":370.15,"end":370.39,"confidence":0.9868188,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":0.11194845288991928},{"word":"as","start":370.39,"end":370.55002,"confidence":0.9722015,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13087773323059082},{"word":"well","start":370.55002,"end":370.71002,"confidence":0.999962,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.12704813480377197},{"word":"as","start":370.71002,"end":370.79,"confidence":0.99801815,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09465983510017396},{"word":"caring","start":370.79,"end":371.11002,"confidence":0.75054896,"punctuated_word":"caring","sentiment":"neutral","sentiment_score":0.08565336465835571},{"word":"for","start":371.11002,"end":371.35,"confidence":0.9959396,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08703549206256866},{"word":"your","start":371.35,"end":371.67,"confidence":0.5930298,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06675734370946884},{"word":"your","start":371.67,"end":371.83002,"confidence":0.88636464,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.045413583517074585},{"word":"mother","start":371.83002,"end":372.15,"confidence":0.9465709,"punctuated_word":"mother.","sentiment":"neutral","sentiment_score":0.039692629128694534},{"word":"so","start":372.15,"end":372.31,"confidence":0.9980525,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.019069045782089233},{"word":"you're","start":372.31,"end":372.47,"confidence":0.9158614,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0006907905335538089},{"word":"on","start":372.47,"end":372.63,"confidence":0.9018573,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.007949776947498322},{"word":"a","start":372.63,"end":372.71002,"confidence":0.9983956,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.005930200219154358},{"word":"bit","start":372.71002,"end":372.87,"confidence":0.99962986,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.00663013756275177},{"word":"of","start":372.87,"end":372.95,"confidence":0.9992919,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01111554354429245},{"word":"an","start":372.95,"end":373.03,"confidence":0.9930553,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.04236699640750885},{"word":"in","start":373.03,"end":373.19,"confidence":0.99431854,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.050387971103191376},{"word":"between","start":373.19,"end":373.51,"confidence":0.9990476,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.03521768003702164},{"word":"stage","start":373.51,"end":373.83002,"confidence":0.9732218,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":-0.03623120114207268},{"word":"so","start":373.83002,"end":374.07,"confidence":0.9976109,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06370898336172104},{"word":"at","start":374.07,"end":374.15,"confidence":0.9670787,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05688665807247162},{"word":"the","start":374.15,"end":374.31,"confidence":0.99962115,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07827425748109818},{"word":"moment","start":374.31,"end":374.63,"confidence":0.9977711,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.09419075399637222},{"word":"we","start":374.63,"end":374.79,"confidence":0.9996934,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12404589354991911},{"word":"just","start":374.79,"end":374.95,"confidence":0.9987534,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1353657841682434},{"word":"looked","start":374.95,"end":375.19,"confidence":0.99733835,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.108998104929924},{"word":"at","start":375.19,"end":375.69,"confidence":0.99259466,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10775800794363022},{"word":"reviewing","start":376.805,"end":377.305,"confidence":0.9543028,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.14005649089813232},{"word":"the","start":377.525,"end":377.76498,"confidence":0.9991416,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1168019324541092},{"word":"superannuation","start":377.76498,"end":378.26498,"confidence":0.9312371,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":0.14302025735378265},{"word":"make","start":378.485,"end":378.72498,"confidence":0.96501213,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10017354041337968},{"word":"sure","start":378.72498,"end":378.965,"confidence":0.9998404,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.14015623927116394},{"word":"that","start":378.965,"end":379.125,"confidence":0.999813,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1457102745771408},{"word":"your","start":379.125,"end":379.28497,"confidence":0.99816054,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1333044171333313},{"word":"investments","start":379.28497,"end":379.78497,"confidence":0.9990933,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.06395235657691956},{"word":"were","start":380.32498,"end":380.56497,"confidence":0.980824,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.08765426278114319},{"word":"adequate","start":380.56497,"end":381.04498,"confidence":0.9997365,"punctuated_word":"adequate","sentiment":"neutral","sentiment_score":0.18097835779190063},{"word":"for","start":381.04498,"end":381.125,"confidence":0.9992587,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17143139243125916},{"word":"your","start":381.125,"end":381.28497,"confidence":0.99694616,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0993724912405014},{"word":"current","start":381.28497,"end":381.525,"confidence":0.9947336,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.08821865916252136},{"word":"situation","start":381.525,"end":382.025,"confidence":0.7206697,"punctuated_word":"situation.","sentiment":"neutral","sentiment_score":0.17760197818279266},{"word":"and","start":382.56497,"end":382.72498,"confidence":0.9816503,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.16883186995983124},{"word":"then","start":382.72498,"end":382.88498,"confidence":0.99951303,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16356804966926575},{"word":"just","start":382.88498,"end":383.205,"confidence":0.9774631,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18701143562793732},{"word":"at","start":383.205,"end":383.365,"confidence":0.36696178,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17431046068668363},{"word":"estate","start":383.365,"end":383.76498,"confidence":0.62011087,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.1775834560394287},{"word":"planning","start":383.76498,"end":384.00497,"confidence":0.9747714,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":0.2811043858528137},{"word":"make","start":384.00497,"end":384.245,"confidence":0.99772424,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2532327473163605},{"word":"a","start":384.245,"end":384.32498,"confidence":0.99115986,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.314752995967865},{"word":"recommendation","start":384.32498,"end":384.82498,"confidence":0.99895585,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.27171602845191956},{"word":"for","start":384.88498,"end":385.04498,"confidence":0.98808134,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.32742613554000854},{"word":"that","start":385.04498,"end":385.205,"confidence":0.8428014,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.2965468764305115},{"word":"just","start":385.205,"end":385.365,"confidence":0.9996538,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.31196391582489014},{"word":"making","start":385.365,"end":385.60498,"confidence":0.9992071,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.25558677315711975},{"word":"sure","start":385.60498,"end":385.76498,"confidence":0.9997985,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2637529969215393},{"word":"you","start":385.76498,"end":385.84497,"confidence":0.9993637,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2819722890853882},{"word":"have","start":385.84497,"end":386.00497,"confidence":0.99890935,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.31213921308517456},{"word":"the","start":386.00497,"end":386.16498,"confidence":0.99686795,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26950594782829285},{"word":"adequate","start":386.16498,"end":386.66498,"confidence":0.999897,"punctuated_word":"adequate","sentiment":"neutral","sentiment_score":0.2160867154598236},{"word":"means","start":386.88498,"end":387.28497,"confidence":0.9991405,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.2398628443479538},{"word":"in","start":387.28497,"end":387.44498,"confidence":0.9998574,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2959269881248474},{"word":"place","start":387.44498,"end":387.76498,"confidence":0.9995227,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.2714678943157196},{"word":"as","start":387.76498,"end":388.00497,"confidence":0.9998585,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25684505701065063},{"word":"well","start":388.00497,"end":388.50497,"confidence":0.99788594,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.22397160530090332},{"word":"and","start":388.645,"end":388.805,"confidence":0.9944675,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1749342679977417},{"word":"i","start":388.805,"end":388.88498,"confidence":0.9971629,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18660718202590945},{"word":"know","start":388.88498,"end":389.125,"confidence":0.9986218,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2117626816034317},{"word":"sort","start":389.125,"end":389.28497,"confidence":0.9698029,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1997319757938385},{"word":"of","start":389.28497,"end":389.44498,"confidence":0.9993789,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22534237802028656},{"word":"with","start":389.44498,"end":389.685,"confidence":0.96589726,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.28008797764778137},{"word":"caring","start":389.685,"end":390.00497,"confidence":0.97169983,"punctuated_word":"caring","sentiment":"neutral","sentiment_score":0.25444480776786804},{"word":"for","start":390.00497,"end":390.16498,"confidence":0.9905227,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3154849112033844},{"word":"your","start":390.16498,"end":390.405,"confidence":0.9031214,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2573849856853485},{"word":"mother","start":390.405,"end":390.645,"confidence":0.6322449,"punctuated_word":"mother","sentiment":"neutral","sentiment_score":0.2566353678703308},{"word":"and","start":390.645,"end":390.805,"confidence":0.99497473,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26736655831336975},{"word":"things","start":390.805,"end":391.04498,"confidence":0.99986565,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.27077531814575195},{"word":"like","start":391.04498,"end":391.205,"confidence":0.99910384,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.17539454996585846},{"word":"that","start":391.205,"end":391.365,"confidence":0.99983037,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2602260410785675},{"word":"as","start":391.365,"end":391.525,"confidence":0.9980794,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.266805499792099},{"word":"well","start":391.525,"end":391.95,"confidence":0.95953774,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.27389854192733765},{"word":"it","start":392.27002,"end":392.43002,"confidence":0.9974558,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.29760462045669556},{"word":"might","start":392.43002,"end":392.67,"confidence":0.9998599,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.3009592294692993},{"word":"be","start":392.67,"end":392.83002,"confidence":0.9997831,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.3042614758014679},{"word":"worth","start":392.83002,"end":393.07,"confidence":0.9499948,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.2571488320827484},{"word":"sort","start":393.07,"end":393.23,"confidence":0.9862381,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.24906772375106812},{"word":"of","start":393.23,"end":393.47,"confidence":0.99949825,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.31330224871635437},{"word":"her","start":393.47,"end":393.71002,"confidence":0.95946336,"punctuated_word":"her,","sentiment":"neutral","sentiment_score":0.2072277069091797},{"word":"you","start":393.71002,"end":393.87003,"confidence":0.99981457,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.175148606300354},{"word":"know","start":393.87003,"end":394.11002,"confidence":0.999856,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1952463686466217},{"word":"visiting","start":394.11002,"end":394.51,"confidence":0.99952805,"punctuated_word":"visiting","sentiment":"neutral","sentiment_score":0.23354262113571167},{"word":"and","start":394.51,"end":394.59003,"confidence":0.9969627,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20750105381011963},{"word":"getting","start":394.59003,"end":394.83002,"confidence":0.99986935,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.22544007003307345},{"word":"things","start":394.83002,"end":395.07,"confidence":0.9986815,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.22751113772392273},{"word":"sorted","start":395.07,"end":395.39,"confidence":0.99653876,"punctuated_word":"sorted","sentiment":"neutral","sentiment_score":0.2062012255191803},{"word":"just","start":395.39,"end":395.55002,"confidence":0.89597595,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2413170039653778},{"word":"in","start":395.55002,"end":395.63,"confidence":0.47671646,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.206824392080307},{"word":"the","start":395.63,"end":395.71002,"confidence":0.9589608,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1741841435432434},{"word":"event","start":395.71002,"end":395.95,"confidence":0.62304085,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.24154773354530337},{"word":"that","start":395.95,"end":396.03,"confidence":0.9435631,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22458162903785703},{"word":"anything","start":396.03,"end":396.43002,"confidence":0.99795485,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.30467480421066284},{"word":"did","start":396.43002,"end":396.67,"confidence":0.9948367,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.10133517533540726},{"word":"occur","start":396.67,"end":397.17,"confidence":0.9991726,"punctuated_word":"occur","sentiment":"neutral","sentiment_score":0.13235780596733093},{"word":"suddenly","start":397.47,"end":397.95,"confidence":0.9662465,"punctuated_word":"suddenly","sentiment":"neutral","sentiment_score":0.22269628942012787},{"word":"that","start":397.95,"end":398.19,"confidence":0.8573857,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.17327333986759186},{"word":"you","start":398.19,"end":398.27002,"confidence":0.99985576,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1682259440422058},{"word":"know","start":398.27002,"end":398.43002,"confidence":0.999503,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.22323812544345856},{"word":"it","start":398.43002,"end":398.59003,"confidence":0.99982387,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.29182788729667664},{"word":"is","start":398.59003,"end":398.83002,"confidence":0.99991536,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2997448146343231},{"word":"a","start":398.83002,"end":398.91,"confidence":0.9996152,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3589950501918793},{"word":"lot","start":398.91,"end":399.07,"confidence":0.99994874,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.3646251857280731},{"word":"easier","start":399.07,"end":399.39,"confidence":0.9996358,"punctuated_word":"easier","sentiment":"positive","sentiment_score":0.3657739460468292},{"word":"on","start":399.39,"end":399.47,"confidence":0.9993742,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2567877769470215},{"word":"your","start":399.47,"end":399.63,"confidence":0.51126665,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2151092290878296},{"word":"yourself","start":399.71002,"end":399.95,"confidence":0.9982564,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.26793888211250305},{"word":"and","start":399.95,"end":400.11002,"confidence":0.9530641,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2354399859905243},{"word":"any","start":400.11002,"end":400.27002,"confidence":0.85097045,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.26868343353271484},{"word":"sort","start":400.27002,"end":400.43002,"confidence":0.99704474,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12191340327262878},{"word":"of","start":400.43002,"end":400.59003,"confidence":0.9991972,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2137463092803955},{"word":"other","start":400.59003,"end":400.75,"confidence":0.9975413,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1503637433052063},{"word":"family","start":400.75,"end":401.07,"confidence":0.99989307,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.17301517724990845},{"word":"members","start":401.07,"end":401.39,"confidence":0.99975103,"punctuated_word":"members","sentiment":"neutral","sentiment_score":0.17700836062431335},{"word":"like","start":401.39,"end":401.55002,"confidence":0.845023,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.234218031167984},{"word":"your","start":401.55002,"end":401.79,"confidence":0.99929476,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19161728024482727},{"word":"brother","start":401.79,"end":402.29,"confidence":0.99949765,"punctuated_word":"brother","sentiment":"neutral","sentiment_score":0.1345580816268921},{"word":"to","start":402.43002,"end":402.59003,"confidence":0.97928625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1812009960412979},{"word":"be","start":402.59003,"end":402.67,"confidence":0.9996176,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11606785655021667},{"word":"able","start":402.67,"end":402.83002,"confidence":0.945451,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1920478790998459},{"word":"to","start":402.83002,"end":402.91,"confidence":0.9980261,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12003311514854433},{"word":"settle","start":402.91,"end":403.31,"confidence":0.9949444,"punctuated_word":"settle","sentiment":"neutral","sentiment_score":0.12168358266353609},{"word":"estates","start":403.31,"end":403.55002,"confidence":0.7587686,"punctuated_word":"estates","sentiment":"neutral","sentiment_score":0.05475051701068878},{"word":"and","start":403.55002,"end":403.71002,"confidence":0.9987658,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04403295740485191},{"word":"things","start":403.71002,"end":403.95,"confidence":0.9998642,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.06146400421857834},{"word":"like","start":403.95,"end":404.11002,"confidence":0.9995016,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0465347096323967},{"word":"that","start":404.11002,"end":404.35,"confidence":0.99973327,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07763270288705826},{"word":"as","start":404.35,"end":404.51,"confidence":0.99976546,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.061120569705963135},{"word":"well","start":404.51,"end":404.955,"confidence":0.99974626,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.05700284242630005},{"word":"we","start":406.395,"end":406.63498,"confidence":0.7557953,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.11576566845178604},{"word":"did","start":406.63498,"end":406.875,"confidence":0.9696469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.142376109957695},{"word":"also","start":406.875,"end":407.19498,"confidence":0.9987067,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0819518119096756},{"word":"include","start":407.19498,"end":407.51498,"confidence":0.9996854,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.12505052983760834},{"word":"that","start":407.51498,"end":408.01498,"confidence":0.8603465,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11892205476760864},{"word":"the","start":408.07498,"end":408.31497,"confidence":0.39795125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10268140584230424},{"word":"contributions","start":408.31497,"end":408.81497,"confidence":0.9985648,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.1047697588801384},{"word":"and","start":409.115,"end":409.435,"confidence":0.9764297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09299663454294203},{"word":"what","start":409.435,"end":409.675,"confidence":0.9997477,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10104189068078996},{"word":"was","start":409.675,"end":409.91498,"confidence":0.9585622,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0637543797492981},{"word":"sort","start":409.91498,"end":410.155,"confidence":0.99382293,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06047877669334411},{"word":"of","start":410.155,"end":410.47498,"confidence":0.99964726,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08274152874946594},{"word":"recommended","start":410.47498,"end":410.955,"confidence":0.9451634,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.07503220438957214},{"word":"in","start":410.955,"end":411.115,"confidence":0.99286,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09462934732437134},{"word":"regards","start":411.115,"end":411.435,"confidence":0.9976649,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.09130366146564484},{"word":"to","start":411.435,"end":411.595,"confidence":0.99962866,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0771818533539772},{"word":"that","start":411.595,"end":411.835,"confidence":0.9999006,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07355129718780518},{"word":"given","start":411.835,"end":412.07498,"confidence":0.77883667,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.09253089874982834},{"word":"that","start":412.07498,"end":412.155,"confidence":0.9995633,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.034145236015319824},{"word":"you","start":412.155,"end":412.395,"confidence":0.99972445,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012609891593456268},{"word":"aren't","start":412.395,"end":412.63498,"confidence":0.9754786,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":0.02627202868461609},{"word":"currently","start":412.63498,"end":413.115,"confidence":0.9998324,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.006027087569236755},{"word":"working","start":413.115,"end":413.435,"confidence":0.9996717,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.0016821548342704773},{"word":"there","start":413.435,"end":413.675,"confidence":0.9981559,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.031145378947257996},{"word":"at","start":413.675,"end":413.75497,"confidence":0.99931085,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02314155548810959},{"word":"the","start":413.75497,"end":413.91498,"confidence":0.9995492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00796584039926529},{"word":"moment","start":413.91498,"end":414.41498,"confidence":0.9986362,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.02339191734790802},{"word":"now","start":415.59497,"end":415.835,"confidence":0.97754705,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.006493758410215378},{"word":"what","start":415.835,"end":416.07498,"confidence":0.98764974,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03684281185269356},{"word":"we","start":416.07498,"end":416.31497,"confidence":0.9998927,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02667964994907379},{"word":"looked","start":416.31497,"end":416.555,"confidence":0.9886304,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.043933428823947906},{"word":"at","start":416.555,"end":416.79498,"confidence":0.9937226,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08785655349493027},{"word":"but","start":416.79498,"end":416.955,"confidence":0.8331973,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0870923101902008},{"word":"didn't","start":416.955,"end":417.19498,"confidence":0.9787747,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.1110094040632248},{"word":"consider","start":417.19498,"end":417.51498,"confidence":0.9991001,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.10884179174900056},{"word":"there","start":417.51498,"end":417.75497,"confidence":0.9758622,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.14324933290481567},{"word":"is","start":417.75497,"end":417.91498,"confidence":0.63312674,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16279296576976776},{"word":"insurances","start":417.91498,"end":418.395,"confidence":0.81104594,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":-0.17406146228313446},{"word":"you","start":418.395,"end":418.555,"confidence":0.98944104,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.24598000943660736},{"word":"currently","start":418.555,"end":418.875,"confidence":0.998615,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.2879037857055664},{"word":"don't","start":418.875,"end":419.115,"confidence":0.9996509,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.21643182635307312},{"word":"have","start":419.115,"end":419.275,"confidence":0.9980433,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2153244912624359},{"word":"any","start":419.275,"end":419.435,"confidence":0.87916696,"punctuated_word":"any.","sentiment":"neutral","sentiment_score":-0.2252563834190369},{"word":"you","start":419.435,"end":419.51498,"confidence":0.9752653,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.2195763438940048},{"word":"didn't","start":419.51498,"end":419.75497,"confidence":0.99911445,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.18040934205055237},{"word":"wanna","start":419.75497,"end":420.07498,"confidence":0.7248766,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.18680503964424133},{"word":"look","start":420.07498,"end":420.235,"confidence":0.9970511,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.16506920754909515},{"word":"at","start":420.235,"end":420.31497,"confidence":0.8766472,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.23745794594287872},{"word":"any","start":420.31497,"end":420.81497,"confidence":0.79444724,"punctuated_word":"any.","sentiment":"neutral","sentiment_score":-0.1763956993818283},{"word":"so","start":421.24,"end":421.4,"confidence":0.99737847,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08418892323970795},{"word":"within","start":421.4,"end":421.8,"confidence":0.9551897,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.11635211110115053},{"word":"regards","start":421.8,"end":422.12,"confidence":0.9962333,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.07897826284170151},{"word":"to","start":422.12,"end":422.19998,"confidence":0.8971528,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09604328870773315},{"word":"that","start":422.19998,"end":422.36,"confidence":0.91376525,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.11641697585582732},{"word":"just","start":422.36,"end":422.6,"confidence":0.9997627,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1608234345912933},{"word":"due","start":422.6,"end":422.76,"confidence":0.9964239,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.1403522491455078},{"word":"to","start":422.76,"end":422.91998,"confidence":0.99883205,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13163408637046814},{"word":"the","start":422.91998,"end":423.16,"confidence":0.96292007,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13980886340141296},{"word":"the","start":423.16,"end":423.32,"confidence":0.956342,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13018597662448883},{"word":"adl","start":423.32,"end":423.63998,"confidence":0.9376993,"punctuated_word":"ADL","sentiment":"neutral","sentiment_score":-0.11235210299491882},{"word":"definition","start":423.63998,"end":424.12,"confidence":0.9978423,"punctuated_word":"definition","sentiment":"neutral","sentiment_score":-0.11572323739528656},{"word":"that","start":424.12,"end":424.28,"confidence":0.80370575,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1302674561738968},{"word":"would","start":424.28,"end":424.36,"confidence":0.99957305,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.14498798549175262},{"word":"have","start":424.36,"end":424.6,"confidence":0.8520001,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.116889089345932},{"word":"arisen","start":424.6,"end":425.0,"confidence":0.9866197,"punctuated_word":"arisen","sentiment":"neutral","sentiment_score":-0.1464228332042694},{"word":"there","start":425.0,"end":425.16,"confidence":0.98468864,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.16511771082878113},{"word":"you","start":425.16,"end":425.32,"confidence":0.9997702,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.21665778756141665},{"word":"wanna","start":425.32,"end":425.63998,"confidence":0.8858285,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.21100589632987976},{"word":"remain","start":425.63998,"end":425.96,"confidence":0.99852186,"punctuated_word":"remain","sentiment":"neutral","sentiment_score":-0.23134121298789975},{"word":"sort","start":425.96,"end":426.12,"confidence":0.98808527,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2482445240020752},{"word":"of","start":426.12,"end":426.28,"confidence":0.99960893,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2808160185813904},{"word":"uninsured","start":426.28,"end":426.76,"confidence":0.99649686,"punctuated_word":"uninsured","sentiment":"neutral","sentiment_score":-0.2677258551120758},{"word":"at","start":426.76,"end":426.84,"confidence":0.99971265,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.3495219051837921},{"word":"the","start":426.84,"end":427.0,"confidence":0.99975616,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.32671982049942017},{"word":"moment","start":427.0,"end":427.5,"confidence":0.7225468,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.2930402457714081},{"word":"so","start":427.56,"end":427.72,"confidence":0.47178876,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.190661683678627},{"word":"you","start":427.72,"end":427.88,"confidence":0.7952947,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.22271496057510376},{"word":"might","start":427.88,"end":428.04,"confidence":0.9998591,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.15371716022491455},{"word":"wanna","start":428.04,"end":428.36,"confidence":0.95428294,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.15300188958644867},{"word":"revisit","start":428.36,"end":428.86,"confidence":0.9987098,"punctuated_word":"revisit","sentiment":"neutral","sentiment_score":-0.19932204484939575},{"word":"it","start":429.24,"end":429.32,"confidence":0.9974778,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.18463505804538727},{"word":"in","start":429.32,"end":429.47998,"confidence":0.9671505,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1718536615371704},{"word":"the","start":429.47998,"end":429.56,"confidence":0.9997739,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12169820815324783},{"word":"future","start":429.56,"end":429.96,"confidence":0.8937364,"punctuated_word":"future.","sentiment":"neutral","sentiment_score":-0.1338731050491333},{"word":"but","start":429.96,"end":430.12,"confidence":0.9945134,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.01466064155101776},{"word":"at","start":430.12,"end":430.19998,"confidence":0.9803674,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01721981167793274},{"word":"the","start":430.19998,"end":430.28,"confidence":0.999699,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.058282166719436646},{"word":"moment","start":430.28,"end":430.6,"confidence":0.9969127,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.11700744926929474},{"word":"you're","start":430.6,"end":430.76,"confidence":0.999135,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.19350552558898929},{"word":"happy","start":430.76,"end":431.0,"confidence":0.9999132,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.26881691813468933},{"word":"sort","start":431.0,"end":431.16,"confidence":0.94080895,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.49089115858078},{"word":"of","start":431.16,"end":431.24,"confidence":0.94989574,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5012685656547546},{"word":"working","start":431.24,"end":431.47998,"confidence":0.98612344,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.486598402261734},{"word":"towards","start":431.47998,"end":431.8,"confidence":0.9906476,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.5099249482154846},{"word":"being","start":431.8,"end":431.91998,"confidence":0.9978162,"punctuated_word":"being","sentiment":"positive","sentiment_score":0.3782997727394104},{"word":"a","start":431.91998,"end":432.04,"confidence":0.8930254,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.39636051654815674},{"word":"bit","start":432.04,"end":432.12,"confidence":0.99546105,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3403858244419098},{"word":"more","start":432.12,"end":432.36,"confidence":0.9993747,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.25889328122138977},{"word":"self","start":432.36,"end":432.6,"confidence":0.99968493,"punctuated_word":"self","sentiment":"positive","sentiment_score":0.3423182964324951},{"word":"insured","start":432.6,"end":433.095,"confidence":0.93778604,"punctuated_word":"insured.","sentiment":"positive","sentiment_score":0.3361733555793762},{"word":"as","start":433.895,"end":434.055,"confidence":0.9924799,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.32955217361450195},{"word":"far","start":434.055,"end":434.295,"confidence":0.9998435,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.2726968228816986},{"word":"as","start":434.295,"end":434.455,"confidence":0.9997323,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.29508477449417114},{"word":"the","start":434.455,"end":434.615,"confidence":0.9995926,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.36126938462257385},{"word":"budgeting","start":434.615,"end":434.935,"confidence":0.99987394,"punctuated_word":"budgeting","sentiment":"neutral","sentiment_score":0.3147418200969696},{"word":"on","start":434.935,"end":435.095,"confidence":0.95310783,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.34033873677253723},{"word":"the","start":435.095,"end":435.175,"confidence":0.99957687,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.33326414227485657},{"word":"money","start":435.175,"end":435.415,"confidence":0.999889,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.2745165228843689},{"word":"you","start":435.415,"end":435.495,"confidence":0.930759,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3740413188934326},{"word":"do","start":435.495,"end":435.655,"confidence":0.9996722,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.33295631408691406},{"word":"have","start":435.655,"end":435.815,"confidence":0.9849354,"punctuated_word":"have,","sentiment":"positive","sentiment_score":0.3645097315311432},{"word":"you're","start":435.815,"end":435.975,"confidence":0.9854813,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.41408848762512207},{"word":"happy","start":435.975,"end":436.295,"confidence":0.9997098,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.41482245922088623},{"word":"managing","start":436.295,"end":436.615,"confidence":0.9936579,"punctuated_word":"managing","sentiment":"positive","sentiment_score":0.42753130197525024},{"word":"that","start":436.615,"end":436.775,"confidence":0.99624074,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4664315581321716},{"word":"yourself","start":436.775,"end":437.095,"confidence":0.8388301,"punctuated_word":"yourself.","sentiment":"positive","sentiment_score":0.4557456374168396},{"word":"we","start":437.095,"end":437.175,"confidence":0.9987546,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.302667498588562},{"word":"can","start":437.175,"end":437.335,"confidence":0.99983,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3521754741668701},{"word":"send","start":437.335,"end":437.575,"confidence":0.99399734,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.33215802907943726},{"word":"you","start":437.575,"end":437.73502,"confidence":0.9972715,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.37229472398757935},{"word":"the","start":437.73502,"end":437.895,"confidence":0.9401412,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.326215922832489},{"word":"oq","start":437.895,"end":438.135,"confidence":0.87591374,"punctuated_word":"OQ","sentiment":"neutral","sentiment_score":0.30602607131004333},{"word":"budget","start":438.135,"end":438.375,"confidence":0.9714022,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":0.27169114351272583},{"word":"planner","start":438.375,"end":438.695,"confidence":0.96773505,"punctuated_word":"planner","sentiment":"neutral","sentiment_score":0.29558756947517395},{"word":"if","start":438.695,"end":438.855,"confidence":0.8705589,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3291616439819336},{"word":"you","start":438.855,"end":438.935,"confidence":0.99979645,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3087681531906128},{"word":"did","start":438.935,"end":439.175,"confidence":0.7020933,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.30904898047447205},{"word":"wanna","start":439.175,"end":439.575,"confidence":0.98442125,"punctuated_word":"wanna,","sentiment":"neutral","sentiment_score":0.31053611636161804},{"word":"you","start":439.575,"end":439.73502,"confidence":0.92866164,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27280721068382263},{"word":"know","start":439.73502,"end":439.975,"confidence":0.99970204,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2854779362678528},{"word":"have","start":439.975,"end":440.055,"confidence":0.9997689,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3487856388092041},{"word":"that","start":440.055,"end":440.555,"confidence":0.99964035,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29254627227783203},{"word":"just","start":440.935,"end":441.095,"confidence":0.8280295,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3290885090827942},{"word":"for","start":441.095,"end":441.335,"confidence":0.9990772,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.270405113697052},{"word":"your","start":441.335,"end":441.415,"confidence":0.9996152,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2895885705947876},{"word":"own","start":441.415,"end":441.655,"confidence":0.9993635,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.317546546459198},{"word":"per","start":441.655,"end":441.895,"confidence":0.50199395,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.29913416504859924},{"word":"purposes","start":442.055,"end":442.455,"confidence":0.9988477,"punctuated_word":"purposes","sentiment":"positive","sentiment_score":0.34894847869873047},{"word":"for","start":442.455,"end":442.695,"confidence":0.9556458,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.2864973247051239},{"word":"you","start":442.695,"end":442.775,"confidence":0.99991584,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24737566709518433},{"word":"know","start":442.775,"end":442.935,"confidence":0.99969554,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.28082430362701416},{"word":"budgeting","start":442.935,"end":443.255,"confidence":0.9959887,"punctuated_word":"budgeting","sentiment":"neutral","sentiment_score":0.29405027627944946},{"word":"for","start":443.255,"end":443.415,"confidence":0.5375696,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.26080694794654846},{"word":"bills","start":443.415,"end":443.735,"confidence":0.99722123,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":0.2203882485628128},{"word":"and","start":443.735,"end":443.815,"confidence":0.98734194,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2250707447528839},{"word":"expenses","start":443.815,"end":444.215,"confidence":0.9997478,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.18354444205760956},{"word":"and","start":444.215,"end":444.375,"confidence":0.99239,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20233041048049927},{"word":"things","start":444.375,"end":444.535,"confidence":0.9992792,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.17064544558525083},{"word":"like","start":444.535,"end":444.695,"confidence":0.96231097,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.16139017045497894},{"word":"that","start":444.695,"end":444.855,"confidence":0.999874,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23649249970912933},{"word":"as","start":444.855,"end":445.015,"confidence":0.99959344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2784346044063568},{"word":"well","start":445.015,"end":445.38,"confidence":0.99869597,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1734599471092224},{"word":"no","start":447.94,"end":448.1,"confidence":0.98985404,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.2825629413127899},{"word":"problem","start":448.1,"end":448.6,"confidence":0.99941313,"punctuated_word":"problem.","sentiment":"positive","sentiment_score":0.3400043845176697},{"word":"and","start":448.66,"end":448.9,"confidence":0.73433834,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.318799763917923},{"word":"then","start":448.9,"end":449.06,"confidence":0.9996456,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.30994653701782227},{"word":"as","start":449.06,"end":449.22,"confidence":0.99855274,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24270059168338776},{"word":"far","start":449.22,"end":449.38,"confidence":0.9998554,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.1453532725572586},{"word":"as","start":449.38,"end":449.62,"confidence":0.9993031,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1493559181690216},{"word":"employment","start":449.62,"end":450.12,"confidence":0.9980464,"punctuated_word":"employment,","sentiment":"neutral","sentiment_score":0.24115628004074097},{"word":"you","start":450.5,"end":450.74,"confidence":0.9441173,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1480197310447693},{"word":"know","start":450.74,"end":450.9,"confidence":0.9989134,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.20862039923667908},{"word":"you're","start":450.9,"end":451.06,"confidence":0.9785431,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4964984655380249},{"word":"happy","start":451.06,"end":451.30002,"confidence":0.7138867,"punctuated_word":"happy,","sentiment":"positive","sentiment_score":0.611522912979126},{"word":"sort","start":451.30002,"end":451.46,"confidence":0.9442073,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.629378080368042},{"word":"of","start":451.46,"end":451.54,"confidence":0.91772866,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.7159457206726074},{"word":"amazing","start":451.54,"end":451.86002,"confidence":0.89230305,"punctuated_word":"amazing","sentiment":"positive","sentiment_score":0.752551257610321},{"word":"that","start":451.86002,"end":452.02002,"confidence":0.90888673,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6475145220756531},{"word":"yourself","start":452.02002,"end":452.34,"confidence":0.9274988,"punctuated_word":"yourself","sentiment":"positive","sentiment_score":0.6705482602119446},{"word":"would","start":452.34,"end":452.5,"confidence":0.3666218,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.6767768263816833},{"word":"doing","start":452.5,"end":452.66,"confidence":0.20401303,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.7039799690246582},{"word":"work","start":452.66,"end":452.9,"confidence":0.99197066,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.7020050883293152},{"word":"with","start":452.9,"end":452.98,"confidence":0.9830103,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.7317635416984558},{"word":"your","start":452.98,"end":453.14,"confidence":0.8782963,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4952681362628937},{"word":"mates","start":453.14,"end":453.46,"confidence":0.98783,"punctuated_word":"mates","sentiment":"positive","sentiment_score":0.5627745389938354},{"word":"given","start":453.46,"end":453.7,"confidence":0.42741802,"punctuated_word":"given","sentiment":"positive","sentiment_score":0.5085195899009705},{"word":"that","start":453.7,"end":453.78,"confidence":0.9995235,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4840247333049774},{"word":"you","start":453.78,"end":453.94,"confidence":0.9997093,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5170669555664062},{"word":"are","start":453.94,"end":454.1,"confidence":0.9992472,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.5330344438552856},{"word":"caring","start":454.1,"end":454.42,"confidence":0.9774026,"punctuated_word":"caring","sentiment":"positive","sentiment_score":0.5867597460746765},{"word":"for","start":454.42,"end":454.58002,"confidence":0.9996698,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5585511326789856},{"word":"your","start":454.58002,"end":454.74,"confidence":0.9995346,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5099582076072693},{"word":"mother","start":454.74,"end":454.9,"confidence":0.8915449,"punctuated_word":"mother.","sentiment":"positive","sentiment_score":0.4784370660781861},{"word":"it's","start":454.9,"end":455.14,"confidence":0.9996946,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.13159224390983582},{"word":"a","start":455.14,"end":455.22,"confidence":0.92976445,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12262502312660216},{"word":"bit","start":455.22,"end":455.38,"confidence":0.9999043,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.17865043878555298},{"word":"hard","start":455.38,"end":455.62,"confidence":0.99982685,"punctuated_word":"hard","sentiment":"negative","sentiment_score":-0.3352774977684021},{"word":"to","start":455.62,"end":455.7,"confidence":0.99982005,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.31167900562286377},{"word":"go","start":455.7,"end":455.86002,"confidence":0.9998586,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.14576590061187744},{"word":"back","start":455.86002,"end":456.02002,"confidence":0.9998975,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.05568318068981171},{"word":"to","start":456.02002,"end":456.18,"confidence":0.9992724,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10728659480810164},{"word":"full","start":456.18,"end":456.34,"confidence":0.9996561,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.06938125193119049},{"word":"time","start":456.34,"end":456.58002,"confidence":0.9975184,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.08535383641719818},{"word":"work","start":456.58002,"end":456.82,"confidence":0.88807,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.12748783826828003},{"word":"that's","start":456.82,"end":457.06,"confidence":0.90705365,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0835929736495018},{"word":"understandable","start":457.06,"end":457.56,"confidence":0.9997537,"punctuated_word":"understandable.","sentiment":"neutral","sentiment_score":-0.02861250564455986},{"word":"as","start":459.575,"end":459.815,"confidence":0.97056144,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.03689469397068024},{"word":"far","start":459.815,"end":459.975,"confidence":0.99984884,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.031205955892801285},{"word":"as","start":459.975,"end":460.135,"confidence":0.99961275,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02564629912376404},{"word":"the","start":460.135,"end":460.295,"confidence":0.85938823,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04143061861395836},{"word":"recommendation","start":460.295,"end":460.695,"confidence":0.97598094,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.06826594471931458},{"word":"to","start":460.695,"end":460.77502,"confidence":0.8607245,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.048752881586551666},{"word":"you","start":460.77502,"end":460.855,"confidence":0.9986092,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.03298114985227585},{"word":"we","start":460.855,"end":461.015,"confidence":0.9997358,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03283003345131874},{"word":"are","start":461.015,"end":461.175,"confidence":0.9996872,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.057669226080179214},{"word":"recommending","start":461.175,"end":461.495,"confidence":0.99927896,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.08719979226589203},{"word":"just","start":461.495,"end":461.655,"confidence":0.84035254,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07745933532714844},{"word":"staying","start":461.655,"end":461.815,"confidence":0.99881077,"punctuated_word":"staying","sentiment":"neutral","sentiment_score":0.05873126536607742},{"word":"with","start":461.815,"end":462.055,"confidence":0.9997578,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0409420020878315},{"word":"netwealth","start":462.055,"end":462.45502,"confidence":0.8310923,"punctuated_word":"Netwealth,","sentiment":"neutral","sentiment_score":0.05775013566017151},{"word":"change","start":462.45502,"end":462.695,"confidence":0.95123637,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.08601180464029312},{"word":"those","start":462.695,"end":462.935,"confidence":0.9923557,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.04923829808831215},{"word":"underlying","start":462.935,"end":463.335,"confidence":0.9979126,"punctuated_word":"underlying","sentiment":"neutral","sentiment_score":0.0319773368537426},{"word":"investments","start":463.335,"end":463.835,"confidence":0.99488544,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.022241907194256783},{"word":"as","start":464.055,"end":464.295,"confidence":0.9992385,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.0386793315410614},{"word":"far","start":464.295,"end":464.45502,"confidence":0.999884,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.03594959154725075},{"word":"as","start":464.45502,"end":464.535,"confidence":0.99958915,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03259934484958649},{"word":"the","start":464.535,"end":464.695,"confidence":0.9992712,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.058914728462696075},{"word":"lump","start":464.695,"end":464.935,"confidence":0.98178375,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.07074591517448425},{"word":"sum","start":464.935,"end":465.175,"confidence":0.99834955,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.06851600110530853},{"word":"contribution","start":465.175,"end":465.655,"confidence":0.96241283,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.08575497567653656},{"word":"to","start":465.655,"end":465.815,"confidence":0.9958676,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.061215437948703766},{"word":"netwealth","start":465.815,"end":466.315,"confidence":0.9930176,"punctuated_word":"Netwealth,","sentiment":"neutral","sentiment_score":0.05198708176612854},{"word":"it's","start":466.535,"end":466.775,"confidence":0.6867808,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05067121237516403},{"word":"sort","start":466.775,"end":467.015,"confidence":0.97238016,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04311557486653328},{"word":"of","start":467.015,"end":467.095,"confidence":0.96810067,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05015970766544342},{"word":"be","start":467.095,"end":467.255,"confidence":0.90616053,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0438920259475708},{"word":"done","start":467.255,"end":467.495,"confidence":0.9989115,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.044656917452812195},{"word":"by","start":467.495,"end":467.655,"confidence":0.99989057,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.043662749230861664},{"word":"the","start":467.655,"end":467.73502,"confidence":0.99896705,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.061526309698820114},{"word":"end","start":467.73502,"end":467.895,"confidence":0.9991617,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.07512632012367249},{"word":"of","start":467.895,"end":468.055,"confidence":0.9994387,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06776319444179535},{"word":"the","start":468.055,"end":468.295,"confidence":0.9997714,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07184027135372162},{"word":"the","start":468.295,"end":468.45502,"confidence":0.8828168,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0626828521490097},{"word":"financial","start":468.45502,"end":468.95502,"confidence":0.99884206,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.05444727838039398},{"word":"year","start":469.095,"end":469.595,"confidence":0.8911171,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.05924061685800552},{"word":"in","start":469.815,"end":470.055,"confidence":0.99048084,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.03607046604156494},{"word":"regards","start":470.055,"end":470.45502,"confidence":0.998762,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.02639799937605858},{"word":"to","start":470.45502,"end":470.95502,"confidence":0.99819225,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05851323157548904},{"word":"the","start":471.13,"end":471.37,"confidence":0.9982893,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05455441772937775},{"word":"strategy","start":471.37,"end":471.69,"confidence":0.99751794,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.040757134556770325},{"word":"for","start":471.69,"end":471.85,"confidence":0.9893211,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08748823404312134},{"word":"that","start":471.85,"end":471.93,"confidence":0.999956,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.045887283980846405},{"word":"one","start":471.93,"end":472.09,"confidence":0.9882232,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.0472385436296463},{"word":"i'll","start":472.09,"end":472.25,"confidence":0.9996711,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0639677345752716},{"word":"run","start":472.25,"end":472.41,"confidence":0.9999132,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.06839682906866074},{"word":"through","start":472.41,"end":472.57,"confidence":0.99914515,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06279681622982025},{"word":"it","start":472.57,"end":472.73,"confidence":0.99667895,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06119881197810173},{"word":"in","start":472.73,"end":472.81,"confidence":0.9993874,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07125049084424973},{"word":"a","start":472.81,"end":472.97,"confidence":0.99744487,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08028939366340637},{"word":"second","start":472.97,"end":473.47,"confidence":0.8590465,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":0.06735147535800934},{"word":"and","start":473.69,"end":473.85,"confidence":0.9945294,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04907924681901932},{"word":"then","start":473.85,"end":474.35,"confidence":0.9995296,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0634431466460228},{"word":"the","start":474.41,"end":474.73,"confidence":0.9750847,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06343661993741989},{"word":"beneficiaries","start":474.73,"end":475.23,"confidence":0.6529249,"punctuated_word":"beneficiaries,","sentiment":"neutral","sentiment_score":0.07322271913290024},{"word":"setting","start":475.29,"end":475.53,"confidence":0.9764495,"punctuated_word":"setting","sentiment":"neutral","sentiment_score":0.11251857876777648},{"word":"up","start":475.53,"end":475.69,"confidence":0.9825048,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0833546370267868},{"word":"beneficiaries","start":475.69,"end":476.19,"confidence":0.98389095,"punctuated_word":"beneficiaries,","sentiment":"neutral","sentiment_score":0.08931097388267517},{"word":"making","start":476.41,"end":476.65,"confidence":0.9996233,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.1141750067472458},{"word":"sure","start":476.65,"end":476.89,"confidence":0.99980265,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.09626001119613647},{"word":"your","start":476.89,"end":477.13,"confidence":0.6443815,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1250932514667511},{"word":"world's","start":477.13,"end":477.45,"confidence":0.6310291,"punctuated_word":"world's","sentiment":"neutral","sentiment_score":0.13521865010261536},{"word":"up","start":477.45,"end":477.61002,"confidence":0.99828076,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1487843245267868},{"word":"to","start":477.61002,"end":477.77,"confidence":0.98864764,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15285030007362366},{"word":"date","start":477.77,"end":477.93,"confidence":0.99975055,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.16198799014091492},{"word":"and","start":477.93,"end":478.09,"confidence":0.6761786,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12825477123260498},{"word":"getting","start":478.09,"end":478.33,"confidence":0.9982609,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.18688611686229703},{"word":"that","start":478.33,"end":478.49,"confidence":0.9997445,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1881461590528488},{"word":"sorted","start":478.49,"end":478.81,"confidence":0.85020685,"punctuated_word":"sorted,","sentiment":"neutral","sentiment_score":0.14340153336524963},{"word":"and","start":478.81,"end":478.97,"confidence":0.9997482,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08823077380657196},{"word":"then","start":478.97,"end":479.13,"confidence":0.9998043,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13743320107460022},{"word":"having","start":479.13,"end":479.37,"confidence":0.9995073,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.13257423043251038},{"word":"a","start":479.37,"end":479.45,"confidence":0.9965527,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10219207406044006},{"word":"power","start":479.45,"end":479.69,"confidence":0.9954412,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.0922779217362404},{"word":"of","start":479.69,"end":479.85,"confidence":0.993317,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0779057964682579},{"word":"attorney","start":479.85,"end":480.17,"confidence":0.999579,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.07961823791265488},{"word":"in","start":480.17,"end":480.33,"confidence":0.9983342,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09065742045640944},{"word":"place","start":480.33,"end":480.57,"confidence":0.99895954,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.1460951566696167},{"word":"there","start":480.57,"end":480.81,"confidence":0.997546,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1563265472650528},{"word":"as","start":480.81,"end":480.89,"confidence":0.999684,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08215270936489105},{"word":"well","start":480.89,"end":481.39,"confidence":0.99978673,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.06812514364719391},{"word":"now","start":482.01,"end":482.25,"confidence":0.99411845,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.01845257170498371},{"word":"has","start":482.25,"end":482.41,"confidence":0.98875135,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.03190697729587555},{"word":"that","start":482.41,"end":482.65,"confidence":0.96371865,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04680157080292702},{"word":"email","start":482.65,"end":482.97,"confidence":0.9997013,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.02203990519046783},{"word":"come","start":482.97,"end":483.13,"confidence":0.9992963,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.04193493723869324},{"word":"through","start":483.13,"end":483.53,"confidence":0.8455392,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":-0.05174771323800087},{"word":"niamh","start":483.53,"end":484.03,"confidence":0.6231747,"punctuated_word":"Niamh,","sentiment":"neutral","sentiment_score":-0.05358263477683067},{"word":"in","start":484.17,"end":484.33,"confidence":0.9992368,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06759775429964066},{"word":"regards","start":484.33,"end":484.83,"confidence":0.99852437,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.059276238083839417},{"word":"to","start":484.89,"end":485.13,"confidence":0.9992218,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06314175575971603},{"word":"that","start":485.13,"end":485.63,"confidence":0.93019617,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.06268784403800964},{"word":"no","start":487.605,"end":487.845,"confidence":0.9934056,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.10117998719215392},{"word":"problem","start":487.845,"end":488.325,"confidence":0.9994515,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.13815335929393768},{"word":"are","start":488.325,"end":488.485,"confidence":0.89705336,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.14019562304019928},{"word":"you","start":488.485,"end":488.645,"confidence":0.99981505,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1953492611646652},{"word":"happy","start":488.645,"end":488.885,"confidence":0.998192,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.2703966498374939},{"word":"for","start":488.885,"end":488.965,"confidence":0.9990134,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.27494603395462036},{"word":"me","start":488.965,"end":489.125,"confidence":0.99993324,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.24454019963741305},{"word":"to","start":489.125,"end":489.205,"confidence":0.9829738,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24531646072864532},{"word":"just","start":489.205,"end":489.445,"confidence":0.99875236,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2362872064113617},{"word":"run","start":489.445,"end":489.685,"confidence":0.81428427,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.27133509516716003},{"word":"through","start":489.685,"end":489.845,"confidence":0.99505323,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.36915820837020874},{"word":"the","start":489.845,"end":489.925,"confidence":0.99403113,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.363605797290802},{"word":"recommendation","start":489.925,"end":490.425,"confidence":0.99815315,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.26936882734298706},{"word":"and","start":490.485,"end":490.565,"confidence":0.7122735,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18840809166431427},{"word":"you","start":490.565,"end":490.805,"confidence":0.97809976,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18670299649238584},{"word":"review","start":490.805,"end":491.04498,"confidence":0.98586684,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.19914665818214417},{"word":"the","start":491.04498,"end":491.205,"confidence":0.99870884,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2116235643625259},{"word":"documents","start":491.205,"end":491.605,"confidence":0.96707344,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.10764849185943604},{"word":"later","start":491.605,"end":492.105,"confidence":0.993354,"punctuated_word":"later?","sentiment":"neutral","sentiment_score":0.05072830244898796},{"word":"no","start":495.925,"end":496.165,"confidence":0.9987249,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.10826940089464188},{"word":"problem","start":496.165,"end":496.645,"confidence":0.9997554,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.11864732950925828},{"word":"can","start":496.645,"end":496.805,"confidence":0.99736184,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.09369299560785294},{"word":"you","start":496.805,"end":496.965,"confidence":0.99991536,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0734025314450264},{"word":"at","start":496.965,"end":497.04498,"confidence":0.98959035,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08895893394947052},{"word":"least","start":497.04498,"end":497.205,"confidence":0.9997086,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.08541222661733627},{"word":"see","start":497.205,"end":497.365,"confidence":0.73153335,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.13423006236553192},{"word":"that","start":497.365,"end":497.525,"confidence":0.9991235,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12904363870620728},{"word":"the","start":497.525,"end":497.685,"confidence":0.9913611,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11154499650001526},{"word":"emails","start":497.685,"end":498.085,"confidence":0.52119064,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.07872185856103897},{"word":"popped","start":498.085,"end":498.245,"confidence":0.9974809,"punctuated_word":"popped","sentiment":"neutral","sentiment_score":0.12630170583724976},{"word":"up","start":498.245,"end":498.405,"confidence":0.99825126,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.12507563829421997},{"word":"in","start":498.405,"end":498.565,"confidence":0.996218,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1044209748506546},{"word":"regards","start":498.565,"end":498.885,"confidence":0.9966987,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.09003817290067673},{"word":"to","start":498.885,"end":499.04498,"confidence":0.9961894,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12279294431209564},{"word":"it","start":499.04498,"end":499.125,"confidence":0.96169084,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11083042621612547},{"word":"to","start":499.125,"end":499.205,"confidence":0.5895524,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11261743307113647},{"word":"come","start":499.205,"end":499.365,"confidence":0.9998136,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.11731407046318054},{"word":"through","start":499.365,"end":499.685,"confidence":0.99941707,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10515265166759492},{"word":"just","start":499.685,"end":499.845,"confidence":0.8555878,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1240985542535782},{"word":"to","start":499.845,"end":500.005,"confidence":0.9998634,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0806732103228569},{"word":"make","start":500.005,"end":500.165,"confidence":0.99993527,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.07382551580667496},{"word":"sure","start":500.165,"end":500.325,"confidence":0.9998196,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.05556607246398926},{"word":"you","start":500.325,"end":500.485,"confidence":0.9998104,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06912972033023834},{"word":"have","start":500.485,"end":500.645,"confidence":0.9996131,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02334767021238804},{"word":"received","start":500.645,"end":501.04498,"confidence":0.9998572,"punctuated_word":"received","sentiment":"neutral","sentiment_score":0.048530369997024536},{"word":"it","start":501.04498,"end":501.54498,"confidence":0.9980867,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.0515332892537117},{"word":"perfect","start":532.03,"end":532.53,"confidence":0.8741382,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.46738576889038086},{"word":"so","start":532.83,"end":533.15,"confidence":0.9257911,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22015929222106936},{"word":"you","start":533.15,"end":533.23,"confidence":0.9987501,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1937851905822754},{"word":"will","start":533.23,"end":533.39,"confidence":0.99968266,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2735334634780884},{"word":"have","start":533.39,"end":533.55,"confidence":0.99988294,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2597270607948303},{"word":"that","start":533.55,"end":533.71,"confidence":0.9993818,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29045915603637695},{"word":"statement","start":533.71,"end":534.11,"confidence":0.99494356,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.29714658856391907},{"word":"advice","start":534.11,"end":534.35,"confidence":0.54838204,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.1939784586429596},{"word":"you","start":534.35,"end":534.51,"confidence":0.9987219,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1448444426059723},{"word":"can","start":534.51,"end":534.67,"confidence":0.9994522,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17133237421512604},{"word":"review","start":534.67,"end":534.91003,"confidence":0.9964923,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.16133731603622437},{"word":"on","start":534.91003,"end":534.99,"confidence":0.44539165,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1763126254081726},{"word":"the","start":534.99,"end":535.23,"confidence":0.9976351,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17600670456886292},{"word":"attachments","start":535.23,"end":535.55,"confidence":0.7733129,"punctuated_word":"attachments.","sentiment":"neutral","sentiment_score":0.1594066619873047},{"word":"and","start":535.55,"end":535.71,"confidence":0.9815664,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1542673259973526},{"word":"if","start":535.71,"end":535.87,"confidence":0.99872607,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1649919152259827},{"word":"you","start":535.87,"end":535.95,"confidence":0.99942064,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1965145617723465},{"word":"were","start":535.95,"end":536.11,"confidence":0.978505,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.23141126334667209},{"word":"happy","start":536.11,"end":536.35,"confidence":0.9980585,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.23939138650894165},{"word":"with","start":536.35,"end":536.51,"confidence":0.98495364,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21653302013874057},{"word":"everything","start":536.51,"end":536.83,"confidence":0.9727986,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.25303059816360474},{"word":"you","start":536.83,"end":536.91003,"confidence":0.9989753,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2058073878288269},{"word":"can","start":536.91003,"end":537.15,"confidence":0.99968433,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20392777025699615},{"word":"click","start":537.15,"end":537.31,"confidence":0.9983467,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.2286258190870285},{"word":"the","start":537.31,"end":537.47003,"confidence":0.9992994,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22270306944847107},{"word":"link","start":537.47003,"end":537.71,"confidence":0.9999089,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.17861397564411163},{"word":"to","start":537.71,"end":537.95,"confidence":0.999303,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15136772394180298},{"word":"sign","start":537.95,"end":538.45,"confidence":0.98453975,"punctuated_word":"sign.","sentiment":"neutral","sentiment_score":0.15203461050987244},{"word":"so","start":539.315,"end":539.71497,"confidence":0.98942137,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1716923713684082},{"word":"i'll","start":539.71497,"end":539.875,"confidence":0.9990033,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2003202438354492},{"word":"make","start":539.875,"end":540.195,"confidence":0.9996494,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.22992706298828125},{"word":"this","start":540.195,"end":540.435,"confidence":0.999683,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.22749021649360657},{"word":"sort","start":540.435,"end":540.675,"confidence":0.98738563,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.21223165094852448},{"word":"of","start":540.675,"end":540.83496,"confidence":0.9990872,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2169843167066574},{"word":"quickly","start":540.83496,"end":541.15497,"confidence":0.5265529,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.28656744956970215},{"word":"because","start":541.15497,"end":541.315,"confidence":0.5139015,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.16508910059928894},{"word":"that's","start":541.315,"end":541.71497,"confidence":0.994689,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.24281063675880432},{"word":"the","start":541.71497,"end":541.795,"confidence":0.6991253,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2343227416276932},{"word":"sort","start":541.795,"end":542.035,"confidence":0.93627286,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.25225234031677246},{"word":"of","start":542.035,"end":542.195,"confidence":0.965143,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25345417857170105},{"word":"main","start":542.195,"end":542.435,"confidence":0.9886212,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.2784622311592102},{"word":"things","start":542.435,"end":542.675,"confidence":0.46091938,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.32124167680740356},{"word":"heather","start":542.675,"end":543.075,"confidence":0.5583097,"punctuated_word":"Heather,","sentiment":"neutral","sentiment_score":0.2520512640476227},{"word":"apart","start":543.075,"end":543.39496,"confidence":0.85929185,"punctuated_word":"apart","sentiment":"neutral","sentiment_score":0.2231135070323944},{"word":"from","start":543.39496,"end":543.475,"confidence":0.9990664,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.22583869099617004},{"word":"the","start":543.475,"end":543.71497,"confidence":0.99838305,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2129708826541901},{"word":"advice","start":543.71497,"end":544.035,"confidence":0.98926413,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.171168252825737},{"word":"so","start":544.035,"end":544.355,"confidence":0.99603397,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11635374277830124},{"word":"on","start":544.355,"end":544.515,"confidence":0.9950832,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.106812983751297},{"word":"page","start":544.515,"end":544.83496,"confidence":0.9968076,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.10749217867851256},{"word":"eight","start":544.83496,"end":544.995,"confidence":0.9937407,"punctuated_word":"eight,","sentiment":"neutral","sentiment_score":0.1133759394288063},{"word":"you'll","start":544.995,"end":545.235,"confidence":0.9994284,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.1108153685927391},{"word":"have","start":545.235,"end":545.475,"confidence":0.99988306,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10128521174192429},{"word":"your","start":545.475,"end":545.71497,"confidence":0.9961249,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07058660686016083},{"word":"assets","start":545.71497,"end":546.21497,"confidence":0.9977975,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.07340975105762482},{"word":"or","start":546.435,"end":546.675,"confidence":0.8248441,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":0.09766987711191176},{"word":"like","start":546.675,"end":546.915,"confidence":0.99794877,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10709856450557707},{"word":"your","start":546.915,"end":547.075,"confidence":0.99916303,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10335708409547806},{"word":"current","start":547.075,"end":547.39496,"confidence":0.99802196,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.07027335464954376},{"word":"situation","start":547.39496,"end":547.89496,"confidence":0.99995756,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":0.1242540329694748},{"word":"there","start":547.95496,"end":548.45496,"confidence":0.99367,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1075768768787384},{"word":"on","start":548.755,"end":548.915,"confidence":0.96703243,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.11955678462982178},{"word":"the","start":548.915,"end":549.075,"confidence":0.9997814,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10969303548336028},{"word":"next","start":549.075,"end":549.235,"confidence":0.9998272,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.0917663872241974},{"word":"page","start":549.235,"end":549.475,"confidence":0.8686571,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.08847147226333618},{"word":"i'll","start":549.475,"end":549.635,"confidence":0.70296216,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08718463778495789},{"word":"be","start":549.635,"end":549.71497,"confidence":0.9404843,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10733558237552644},{"word":"over","start":549.71497,"end":549.95496,"confidence":0.6886531,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.08577833324670792},{"word":"assets","start":549.95496,"end":550.27496,"confidence":0.76192254,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.01935255527496338},{"word":"liabilities","start":550.27496,"end":550.77496,"confidence":0.75161415,"punctuated_word":"liabilities.","sentiment":"neutral","sentiment_score":0.049842506647109985},{"word":"in","start":551.075,"end":551.235,"confidence":0.9988182,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.11250974237918854},{"word":"regards","start":551.235,"end":551.555,"confidence":0.9979335,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.05479232966899872},{"word":"to","start":551.555,"end":551.71497,"confidence":0.9962739,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11887183785438538},{"word":"your","start":551.71497,"end":551.795,"confidence":0.8485035,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1454561948776245},{"word":"risk","start":551.795,"end":551.95496,"confidence":0.9979882,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.08477401733398438},{"word":"profile","start":551.95496,"end":552.355,"confidence":0.9992465,"punctuated_word":"profile,","sentiment":"neutral","sentiment_score":0.14428284764289856},{"word":"you","start":552.355,"end":552.435,"confidence":0.99564326,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19040243327617645},{"word":"did","start":552.435,"end":552.66,"confidence":0.99957865,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.1290990710258484},{"word":"score","start":552.66,"end":552.89996,"confidence":0.993768,"punctuated_word":"score","sentiment":"neutral","sentiment_score":0.1387605369091034},{"word":"growth","start":552.89996,"end":553.13995,"confidence":0.9621924,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.1330549716949463},{"word":"but","start":553.13995,"end":553.37994,"confidence":0.99933296,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1099112182855606},{"word":"we're","start":553.37994,"end":553.54,"confidence":0.9951688,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.20878569781780243},{"word":"keeping","start":553.54,"end":553.69995,"confidence":0.9996101,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.23934340476989743},{"word":"you","start":553.69995,"end":553.86,"confidence":0.9727466,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21968823671340945},{"word":"in","start":553.86,"end":553.94,"confidence":0.97848856,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16746670007705688},{"word":"line","start":553.94,"end":554.18,"confidence":0.9978241,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.2503843903541565},{"word":"with","start":554.18,"end":554.25995,"confidence":0.99695396,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.25277212262153625},{"word":"the","start":554.25995,"end":554.33997,"confidence":0.95989543,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21991971135139465},{"word":"high","start":554.33997,"end":554.57996,"confidence":0.9195621,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.248238205909729},{"word":"growth","start":554.57996,"end":554.89996,"confidence":0.7841109,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.2590221166610718},{"word":"even","start":554.89996,"end":555.06,"confidence":0.99925286,"punctuated_word":"Even","sentiment":"neutral","sentiment_score":0.11542630940675735},{"word":"though","start":555.06,"end":555.22,"confidence":0.9995622,"punctuated_word":"though","sentiment":"neutral","sentiment_score":0.06585932523012161},{"word":"that","start":555.22,"end":555.37994,"confidence":0.94953746,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07925400882959366},{"word":"you","start":555.37994,"end":555.54,"confidence":0.9989736,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11415394395589828},{"word":"aren't","start":555.54,"end":555.77997,"confidence":0.8612049,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":0.07007216662168503},{"word":"working","start":555.77997,"end":556.1,"confidence":0.9986199,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.04269350320100784},{"word":"currently","start":556.1,"end":556.5,"confidence":0.9943838,"punctuated_word":"currently,","sentiment":"neutral","sentiment_score":0.06263868510723114},{"word":"you","start":556.5,"end":556.74,"confidence":0.9984346,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17501521110534668},{"word":"still","start":556.74,"end":556.89996,"confidence":0.99367565,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.19579993188381195},{"word":"wanna","start":556.89996,"end":557.22,"confidence":0.99268806,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.22626154124736783},{"word":"aim","start":557.22,"end":557.37994,"confidence":0.9998406,"punctuated_word":"aim","sentiment":"neutral","sentiment_score":0.1805780529975891},{"word":"for","start":557.37994,"end":557.54,"confidence":0.9997087,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1910417228937149},{"word":"those","start":557.54,"end":558.01996,"confidence":0.9969538,"punctuated_word":"those,","sentiment":"neutral","sentiment_score":0.21815425157546997},{"word":"you","start":558.01996,"end":558.25995,"confidence":0.99985933,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15216755867004397},{"word":"know","start":558.25995,"end":558.74,"confidence":0.9998213,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.17121367156505585},{"word":"longer","start":558.74,"end":559.13995,"confidence":0.7887659,"punctuated_word":"longer,","sentiment":"neutral","sentiment_score":0.24163347482681272},{"word":"higher","start":559.13995,"end":559.63995,"confidence":0.9285388,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.24998247623443604},{"word":"returns","start":560.1,"end":560.57996,"confidence":0.9099949,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.3170946538448334},{"word":"over","start":560.57996,"end":560.81995,"confidence":0.9995473,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2674534320831299},{"word":"the","start":560.81995,"end":561.13995,"confidence":0.9992242,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20373231172561648},{"word":"the","start":561.13995,"end":561.3,"confidence":0.97988826,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1869267374277115},{"word":"long","start":561.3,"end":561.45996,"confidence":0.9995963,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.1739402711391449},{"word":"term","start":561.45996,"end":561.69995,"confidence":0.9979292,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.06805966794490814},{"word":"period","start":561.69995,"end":562.18,"confidence":0.73921627,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.08260232210159302},{"word":"given","start":562.18,"end":562.5,"confidence":0.42874777,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.18852856755256653},{"word":"your","start":562.5,"end":562.66,"confidence":0.86642087,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15207427740097046},{"word":"time","start":562.66,"end":562.81995,"confidence":0.99659085,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1276593655347824},{"word":"to","start":562.81995,"end":563.06,"confidence":0.33682376,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11063353717327118},{"word":"retirement","start":563.06,"end":563.54,"confidence":0.59141415,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.0662987232208252},{"word":"so","start":563.54,"end":563.69995,"confidence":0.96002376,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3218894898891449},{"word":"you're","start":563.69995,"end":563.86,"confidence":0.96848905,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.49686238169670105},{"word":"happy","start":563.86,"end":564.18,"confidence":0.9980247,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.506555438041687},{"word":"maintaining","start":564.18,"end":564.57996,"confidence":0.79742986,"punctuated_word":"maintaining","sentiment":"positive","sentiment_score":0.5597785711288452},{"word":"that","start":564.57996,"end":564.74,"confidence":0.9993901,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6781167387962341},{"word":"level","start":564.74,"end":564.89996,"confidence":0.9998654,"punctuated_word":"level","sentiment":"positive","sentiment_score":0.5374482274055481},{"word":"of","start":564.89996,"end":565.06,"confidence":0.9993718,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.643535315990448},{"word":"risk","start":565.06,"end":565.395,"confidence":0.7136941,"punctuated_word":"risk,","sentiment":"positive","sentiment_score":0.6377796530723572},{"word":"and","start":566.03503,"end":566.275,"confidence":0.9989372,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4527451395988464},{"word":"then","start":566.275,"end":566.435,"confidence":0.9998914,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.5176118016242981},{"word":"sort","start":566.435,"end":566.59503,"confidence":0.9966182,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.5501666069030762},{"word":"of","start":566.59503,"end":566.755,"confidence":0.9969482,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5410500764846802},{"word":"being","start":566.755,"end":566.995,"confidence":0.99938416,"punctuated_word":"being","sentiment":"positive","sentiment_score":0.4906022846698761},{"word":"in","start":566.995,"end":567.075,"confidence":0.999851,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5081737637519836},{"word":"that","start":567.075,"end":567.23505,"confidence":0.99910945,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5766687393188477},{"word":"high","start":567.23505,"end":567.47504,"confidence":0.8459606,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.4943273663520813},{"word":"growth","start":567.47504,"end":567.875,"confidence":0.99740666,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5609904527664185},{"word":"portfolio","start":567.875,"end":568.375,"confidence":0.9986688,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.4887948334217071},{"word":"to","start":568.835,"end":568.91504,"confidence":0.9931852,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5013427734375},{"word":"make","start":568.91504,"end":569.155,"confidence":0.99994326,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.5893905162811279},{"word":"sure","start":569.155,"end":569.395,"confidence":0.99988496,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.5833984017372131},{"word":"that","start":569.395,"end":569.555,"confidence":0.9997712,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6067979335784912},{"word":"you","start":569.555,"end":569.635,"confidence":0.9998776,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5956448316574097},{"word":"have","start":569.635,"end":569.79504,"confidence":0.9998472,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5803102850914001},{"word":"the","start":569.79504,"end":569.955,"confidence":0.99944,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5551407337188721},{"word":"opportunity","start":569.955,"end":570.455,"confidence":0.99987376,"punctuated_word":"opportunity","sentiment":"positive","sentiment_score":0.5175292491912842},{"word":"to","start":570.515,"end":570.835,"confidence":0.9999267,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5988596677780151},{"word":"to","start":570.835,"end":570.995,"confidence":0.99760085,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5849015116691589},{"word":"get","start":570.995,"end":571.23505,"confidence":0.9997844,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5893844366073608},{"word":"those","start":571.23505,"end":571.47504,"confidence":0.9998425,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.6570078730583191},{"word":"higher","start":571.47504,"end":571.79504,"confidence":0.97337466,"punctuated_word":"higher","sentiment":"positive","sentiment_score":0.5357168912887573},{"word":"returns","start":571.79504,"end":572.275,"confidence":0.9998752,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.6390253305435181},{"word":"over","start":572.275,"end":572.435,"confidence":0.99982446,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.5786494612693787},{"word":"the","start":572.435,"end":572.515,"confidence":0.9720252,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.506782591342926},{"word":"longer","start":572.515,"end":572.835,"confidence":0.9991961,"punctuated_word":"longer","sentiment":"positive","sentiment_score":0.5090745091438293},{"word":"period","start":572.835,"end":573.155,"confidence":0.99960166,"punctuated_word":"period","sentiment":"positive","sentiment_score":0.5411444902420044},{"word":"of","start":573.155,"end":573.315,"confidence":0.9992981,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4847926199436188},{"word":"time","start":573.315,"end":573.815,"confidence":0.7649095,"punctuated_word":"time,","sentiment":"positive","sentiment_score":0.5601756572723389},{"word":"if","start":574.115,"end":574.275,"confidence":0.9812066,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4869200885295868},{"word":"that","start":574.275,"end":574.59503,"confidence":0.9998512,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4536828100681305},{"word":"still","start":574.59503,"end":574.755,"confidence":0.9802752,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3682015538215637},{"word":"makes","start":574.755,"end":575.075,"confidence":0.90772575,"punctuated_word":"makes","sentiment":"positive","sentiment_score":0.3500092029571533},{"word":"sense","start":575.075,"end":575.575,"confidence":0.8901443,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.3161246180534363},{"word":"perfect","start":576.835,"end":577.335,"confidence":0.9124299,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6866687536239624},{"word":"as","start":577.73,"end":577.88995,"confidence":0.9935719,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.28906530141830444},{"word":"far","start":577.88995,"end":578.05,"confidence":0.99982893,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.1567581444978714},{"word":"as","start":578.05,"end":578.12994,"confidence":0.99945956,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1975257396697998},{"word":"the","start":578.12994,"end":578.37,"confidence":0.93734646,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1795383095741272},{"word":"recommendation","start":578.37,"end":578.87,"confidence":0.64321053,"punctuated_word":"recommendation,","sentiment":"neutral","sentiment_score":0.17596229910850525},{"word":"it","start":578.93,"end":579.08997,"confidence":0.967946,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15736344456672668},{"word":"being","start":579.08997,"end":579.25,"confidence":0.99482733,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.19550523161888125},{"word":"in","start":579.25,"end":579.41,"confidence":0.9973385,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15918684005737305},{"word":"your","start":579.41,"end":579.64996,"confidence":0.9997445,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.30296358466148376},{"word":"best","start":579.64996,"end":579.88995,"confidence":0.9996393,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.20242419838905337},{"word":"interest","start":579.88995,"end":580.12994,"confidence":0.9934587,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.2282211184501648},{"word":"there","start":580.12994,"end":580.37,"confidence":0.7302046,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.2665901184082031},{"word":"we","start":580.37,"end":580.44995,"confidence":0.99976546,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12263113260269164},{"word":"are","start":580.44995,"end":580.61,"confidence":0.99975675,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08449262380599976},{"word":"looking","start":580.61,"end":580.85,"confidence":0.9996594,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.10185163468122482},{"word":"at","start":580.85,"end":581.00995,"confidence":0.9991534,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09143709391355516},{"word":"the","start":581.00995,"end":581.17,"confidence":0.97117144,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09520943462848663},{"word":"investment","start":581.17,"end":581.67,"confidence":0.9989666,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.050399087369441986},{"word":"update","start":581.73,"end":582.12994,"confidence":0.99962306,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.0484715960919857},{"word":"for","start":582.12994,"end":582.29,"confidence":0.99982387,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.027102023363113403},{"word":"yourself","start":582.29,"end":582.79,"confidence":0.99569315,"punctuated_word":"yourself.","sentiment":"neutral","sentiment_score":0.08366633951663971},{"word":"so","start":583.41,"end":583.81,"confidence":0.9604229,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.006433963775634766},{"word":"within","start":583.81,"end":584.20996,"confidence":0.9820858,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.06875801086425781},{"word":"regards","start":584.20996,"end":584.69,"confidence":0.9988697,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.02663327008485794},{"word":"to","start":584.69,"end":584.85,"confidence":0.9996736,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.006578586995601654},{"word":"that","start":584.85,"end":585.00995,"confidence":0.9998884,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.042568545788526535},{"word":"one","start":585.00995,"end":585.32996,"confidence":0.9923365,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.09440984576940536},{"word":"the","start":585.32996,"end":585.56995,"confidence":0.96020126,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.29034140706062317},{"word":"bennelong","start":585.56995,"end":586.06995,"confidence":0.79961133,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.30305391550064087},{"word":"fund","start":586.12994,"end":586.62994,"confidence":0.9511944,"punctuated_word":"Fund","sentiment":"neutral","sentiment_score":-0.3033142387866974},{"word":"wasn't","start":587.25,"end":587.56995,"confidence":0.9987966,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.31276535987854004},{"word":"performing","start":587.56995,"end":588.05,"confidence":0.9996698,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":-0.1842378526926041},{"word":"for","start":588.05,"end":588.12994,"confidence":0.99404967,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2302865833044052},{"word":"that","start":588.12994,"end":588.29,"confidence":0.9998641,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2490117847919464},{"word":"one","start":588.29,"end":588.44995,"confidence":0.84199214,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.25358420610427856},{"word":"so","start":588.44995,"end":588.69,"confidence":0.9992506,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07211387902498245},{"word":"we're","start":588.69,"end":588.85,"confidence":0.9993335,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.006027159746736288},{"word":"looking","start":588.85,"end":589.08997,"confidence":0.99985313,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.022291377186775208},{"word":"at","start":589.08997,"end":589.25,"confidence":0.99977857,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04072485864162445},{"word":"removing","start":589.25,"end":589.73,"confidence":0.9998429,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.08295503258705139},{"word":"that","start":589.73,"end":590.115,"confidence":0.98098564,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.08959643542766571},{"word":"updating","start":590.355,"end":590.855,"confidence":0.9997936,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.028608538210392},{"word":"that","start":590.915,"end":591.235,"confidence":0.9981838,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05842167139053345},{"word":"portfolio","start":591.235,"end":591.735,"confidence":0.9992544,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.0035066604614257812},{"word":"there","start":591.955,"end":592.355,"confidence":0.99602497,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.019192159175872803},{"word":"to","start":592.355,"end":592.515,"confidence":0.98545444,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05096636712551117},{"word":"make","start":592.515,"end":592.755,"confidence":0.9998611,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.20761919021606445},{"word":"sure","start":592.755,"end":592.995,"confidence":0.99973875,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2175021767616272},{"word":"that","start":592.995,"end":593.235,"confidence":0.9997632,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31027448177337646},{"word":"it's","start":593.235,"end":593.395,"confidence":0.9996915,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.3039112091064453},{"word":"in","start":593.395,"end":593.555,"confidence":0.99975544,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1713477373123169},{"word":"your","start":593.555,"end":593.71497,"confidence":0.9998324,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3430210053920746},{"word":"best","start":593.71497,"end":593.955,"confidence":0.9997714,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.19683443009853363},{"word":"interest","start":593.955,"end":594.27496,"confidence":0.9961349,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.18323859572410583},{"word":"moving","start":594.27496,"end":594.515,"confidence":0.9946156,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.16011366248130798},{"word":"forward","start":594.515,"end":595.015,"confidence":0.9574683,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.14134737849235535},{"word":"removing","start":595.475,"end":595.955,"confidence":0.73636353,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.02860889956355095},{"word":"the","start":595.955,"end":596.035,"confidence":0.7179819,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25890615582466125},{"word":"underperforming","start":596.035,"end":596.535,"confidence":0.9976393,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.2765347361564636},{"word":"asset","start":596.755,"end":597.15497,"confidence":0.9403869,"punctuated_word":"asset,","sentiment":"neutral","sentiment_score":-0.2801334261894226},{"word":"not","start":597.15497,"end":597.395,"confidence":0.9933314,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1565282791852951},{"word":"having","start":597.395,"end":597.71497,"confidence":0.99963963,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.09428022056818008},{"word":"the","start":597.71497,"end":597.955,"confidence":0.5469838,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12900090217590332},{"word":"active","start":597.955,"end":598.27496,"confidence":0.99975747,"punctuated_word":"active","sentiment":"neutral","sentiment_score":-0.2569549083709717},{"word":"management","start":598.27496,"end":598.755,"confidence":0.99965703,"punctuated_word":"management","sentiment":"neutral","sentiment_score":-0.09912604093551636},{"word":"moving","start":598.755,"end":599.075,"confidence":0.9988041,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.02751028537750244},{"word":"forward","start":599.075,"end":599.575,"confidence":0.99807954,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":-0.012844912707805634},{"word":"so","start":599.955,"end":600.195,"confidence":0.95931333,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19568809866905212},{"word":"with","start":600.195,"end":600.355,"confidence":0.99663854,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2656298577785492},{"word":"that","start":600.355,"end":600.595,"confidence":0.99984396,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2679343521595001},{"word":"one","start":600.595,"end":600.83496,"confidence":0.9997261,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.26941800117492676},{"word":"there","start":600.83496,"end":601.33496,"confidence":0.9955545,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.30495670437812805},{"word":"you","start":601.795,"end":602.035,"confidence":0.9993749,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.389521986246109},{"word":"won't","start":602.035,"end":602.27496,"confidence":0.99945146,"punctuated_word":"won't","sentiment":"positive","sentiment_score":0.350450336933136},{"word":"have","start":602.27496,"end":602.435,"confidence":0.9998035,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23409846425056455},{"word":"the","start":602.435,"end":602.515,"confidence":0.9989956,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29299283027648926},{"word":"ability","start":602.515,"end":602.915,"confidence":0.99989057,"punctuated_word":"ability","sentiment":"neutral","sentiment_score":0.2256923466920853},{"word":"to","start":602.915,"end":603.3,"confidence":0.8808257,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28086167573928833},{"word":"to","start":603.3,"end":603.38,"confidence":0.98565763,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25695252418518066},{"word":"try","start":603.38,"end":603.45996,"confidence":0.9704372,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.2537711560726166},{"word":"and","start":603.45996,"end":603.77997,"confidence":0.98961484,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23139461874961853},{"word":"outperform","start":603.77997,"end":604.26,"confidence":0.9845146,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":0.2736533582210541},{"word":"the","start":604.26,"end":604.42,"confidence":0.999474,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2594318687915802},{"word":"market","start":604.42,"end":604.92,"confidence":0.932873,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":0.24373053014278412},{"word":"but","start":604.98,"end":605.14,"confidence":0.9205149,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2511138617992401},{"word":"you","start":605.14,"end":605.38,"confidence":0.9995191,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32833331823349},{"word":"will","start":605.38,"end":605.54,"confidence":0.9968105,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.3149147629737854},{"word":"follow","start":605.54,"end":605.77997,"confidence":0.99569356,"punctuated_word":"follow","sentiment":"positive","sentiment_score":0.3756585419178009},{"word":"the","start":605.77997,"end":605.94,"confidence":0.9616972,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3521134853363037},{"word":"indexes","start":605.94,"end":606.33997,"confidence":0.7013744,"punctuated_word":"indexes,","sentiment":"positive","sentiment_score":0.3398693799972534},{"word":"still","start":606.33997,"end":606.5,"confidence":0.9910971,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3850005865097046},{"word":"have","start":606.5,"end":606.66,"confidence":0.99257797,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3964681923389435},{"word":"the","start":606.66,"end":606.74,"confidence":0.9987489,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3743252456188202},{"word":"same","start":606.74,"end":606.98,"confidence":0.9992448,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.3736059665679931},{"word":"allocation","start":606.98,"end":607.45996,"confidence":0.986814,"punctuated_word":"allocation","sentiment":"positive","sentiment_score":0.37109148502349854},{"word":"to","start":607.45996,"end":607.62,"confidence":0.999268,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3121090233325958},{"word":"growth","start":607.62,"end":608.01996,"confidence":0.9965784,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.34898024797439575},{"word":"assets","start":608.01996,"end":608.42,"confidence":0.81980807,"punctuated_word":"assets,","sentiment":"positive","sentiment_score":0.34187424182891846},{"word":"and","start":608.42,"end":608.5,"confidence":0.9995933,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2996399700641632},{"word":"with","start":608.5,"end":608.66,"confidence":0.99553514,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.36674198508262634},{"word":"that","start":608.66,"end":608.89996,"confidence":0.9285038,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.3402213156223297},{"word":"it'll","start":608.89996,"end":609.14,"confidence":0.9730294,"punctuated_word":"it'll","sentiment":"positive","sentiment_score":0.4090873897075653},{"word":"come","start":609.14,"end":609.3,"confidence":0.99844724,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.4663246273994446},{"word":"with","start":609.3,"end":609.45996,"confidence":0.9990019,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.402485728263855},{"word":"less","start":609.45996,"end":609.7,"confidence":0.99986756,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.2308093011379242},{"word":"volatility","start":609.7,"end":610.2,"confidence":0.9957772,"punctuated_word":"volatility.","sentiment":"neutral","sentiment_score":0.1831217110157013},{"word":"and","start":610.89996,"end":611.06,"confidence":0.9888334,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.29591360688209534},{"word":"then","start":611.06,"end":611.3,"confidence":0.9993781,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.31345272064208984},{"word":"also","start":611.3,"end":611.54,"confidence":0.6891071,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.31856873631477356},{"word":"with","start":611.54,"end":611.7,"confidence":0.76057285,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3423634171485901},{"word":"that","start":611.7,"end":611.86,"confidence":0.99924517,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3041251003742218},{"word":"being","start":611.86,"end":612.01996,"confidence":0.97119844,"punctuated_word":"being,","sentiment":"positive","sentiment_score":0.3461828827857971},{"word":"you","start":612.01996,"end":612.18,"confidence":0.996283,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4908958077430725},{"word":"do","start":612.18,"end":612.33997,"confidence":0.98911357,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4686737060546875},{"word":"have","start":612.33997,"end":612.5,"confidence":0.9979711,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4437537491321564},{"word":"a","start":612.5,"end":612.58,"confidence":0.99905497,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4562088549137115},{"word":"bit","start":612.58,"end":612.74,"confidence":0.9991431,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4610004425048828},{"word":"of","start":612.74,"end":612.82,"confidence":0.9997402,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.39407265186309814},{"word":"a","start":612.82,"end":612.89996,"confidence":0.99964845,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3831082880496979},{"word":"lower","start":612.89996,"end":613.14,"confidence":0.9825964,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.2819300889968872},{"word":"risk","start":613.14,"end":613.3,"confidence":0.98832816,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.20063266158103943},{"word":"tolerance","start":613.3,"end":613.7,"confidence":0.8731594,"punctuated_word":"tolerance.","sentiment":"neutral","sentiment_score":0.2981833219528198},{"word":"it","start":613.7,"end":613.86,"confidence":0.9953235,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.3948860466480255},{"word":"does","start":613.86,"end":614.01996,"confidence":0.9997421,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.44476518034935},{"word":"reduce","start":614.01996,"end":614.5,"confidence":0.99767536,"punctuated_word":"reduce","sentiment":"positive","sentiment_score":0.3547327220439911},{"word":"a","start":614.5,"end":614.66,"confidence":0.60158706,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3780173659324646},{"word":"a","start":614.66,"end":614.74,"confidence":0.570019,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3834039568901062},{"word":"level","start":614.74,"end":614.98,"confidence":0.99899477,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.2148718535900116},{"word":"of","start":614.98,"end":615.14,"confidence":0.9991358,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21942797303199768},{"word":"risk","start":615.14,"end":615.3,"confidence":0.9973998,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.12241025269031525},{"word":"there","start":615.3,"end":615.54,"confidence":0.99851567,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3450275659561157},{"word":"as","start":615.54,"end":615.7,"confidence":0.999846,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3912811577320099},{"word":"well","start":615.7,"end":616.035,"confidence":0.9249687,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.25796669721603394},{"word":"even","start":616.115,"end":616.355,"confidence":0.999683,"punctuated_word":"Even","sentiment":"neutral","sentiment_score":0.1951211839914322},{"word":"though","start":616.355,"end":616.435,"confidence":0.9993197,"punctuated_word":"though","sentiment":"neutral","sentiment_score":0.08459365367889404},{"word":"you","start":616.435,"end":616.51495,"confidence":0.9967765,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25055021047592163},{"word":"still","start":616.51495,"end":616.675,"confidence":0.95898664,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.21120645105838776},{"word":"have","start":616.675,"end":616.795,"confidence":0.981991,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23037055134773257},{"word":"the","start":616.795,"end":616.915,"confidence":0.3957746,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.226352721452713},{"word":"potential","start":616.915,"end":617.315,"confidence":0.9975509,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":0.2690005302429199},{"word":"for","start":617.315,"end":617.475,"confidence":0.999699,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.27731186151504517},{"word":"those","start":617.475,"end":617.63495,"confidence":0.9997042,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.3193016052246094},{"word":"higher","start":617.63495,"end":617.875,"confidence":0.9931854,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.28516054153442383},{"word":"returns","start":617.875,"end":618.27496,"confidence":0.9966197,"punctuated_word":"returns,","sentiment":"neutral","sentiment_score":0.283212810754776},{"word":"it","start":618.27496,"end":618.435,"confidence":0.99956626,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14453846216201782},{"word":"is","start":618.435,"end":618.675,"confidence":0.9997373,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1723574995994568},{"word":"sort","start":618.675,"end":618.75494,"confidence":0.9943897,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.24717748165130615},{"word":"of","start":618.75494,"end":618.915,"confidence":0.89333683,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1458124816417694},{"word":"dictated","start":618.915,"end":619.39496,"confidence":0.998615,"punctuated_word":"dictated","sentiment":"neutral","sentiment_score":0.1936699151992798},{"word":"by","start":619.39496,"end":619.555,"confidence":0.99980706,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.17521783709526062},{"word":"those","start":619.555,"end":619.71497,"confidence":0.9993431,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.13596701622009277},{"word":"market","start":619.71497,"end":620.035,"confidence":0.64820516,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.1361091434955597},{"word":"indices","start":620.035,"end":620.51495,"confidence":0.9345321,"punctuated_word":"indices","sentiment":"neutral","sentiment_score":0.14922355115413666},{"word":"and","start":620.51495,"end":620.595,"confidence":0.953131,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1169971153140068},{"word":"not","start":620.595,"end":620.83496,"confidence":0.9989544,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.117361880838871},{"word":"sort","start":620.83496,"end":620.915,"confidence":0.99422497,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1479591727256775},{"word":"of","start":620.915,"end":620.995,"confidence":0.9991271,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14652001857757568},{"word":"a","start":620.995,"end":621.15497,"confidence":0.99855465,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17297466099262238},{"word":"performance","start":621.15497,"end":621.65497,"confidence":0.99875784,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.04388178884983063},{"word":"manager","start":621.71497,"end":622.21497,"confidence":0.932441,"punctuated_word":"manager,","sentiment":"neutral","sentiment_score":0.16215035319328308},{"word":"which","start":622.435,"end":622.675,"confidence":0.9992105,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.27773603796958923},{"word":"does","start":622.675,"end":622.915,"confidence":0.99625957,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.3794787526130676},{"word":"reduce","start":622.915,"end":623.235,"confidence":0.9983505,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.23754379153251648},{"word":"your","start":623.235,"end":623.39496,"confidence":0.9932546,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32949569821357727},{"word":"costs","start":623.39496,"end":623.71497,"confidence":0.59083676,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":0.2046891301870346},{"word":"there","start":623.71497,"end":623.95496,"confidence":0.994055,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.16497550904750824},{"word":"as","start":623.95496,"end":624.035,"confidence":0.99497426,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24715323746204376},{"word":"well","start":624.035,"end":624.535,"confidence":0.9986818,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1919884532690048},{"word":"now","start":626.035,"end":626.435,"confidence":0.8848529,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.21884405612945557},{"word":"with","start":626.435,"end":626.675,"confidence":0.97801083,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22120779752731323},{"word":"that","start":626.675,"end":626.915,"confidence":0.9959494,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1955263614654541},{"word":"you","start":626.915,"end":627.07495,"confidence":0.99783915,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1970745325088501},{"word":"know","start":627.07495,"end":627.15497,"confidence":0.9978559,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.22188174724578855},{"word":"you","start":627.15497,"end":627.315,"confidence":0.9964244,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31140297651290894},{"word":"do","start":627.315,"end":627.475,"confidence":0.99761343,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.29039421677589417},{"word":"have","start":627.475,"end":627.71497,"confidence":0.99163955,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2764982581138611},{"word":"a","start":627.71497,"end":627.795,"confidence":0.984528,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2649257481098175},{"word":"lower","start":627.795,"end":628.035,"confidence":0.9984321,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.2648276090621948},{"word":"ongoing","start":628.035,"end":628.51495,"confidence":0.9945555,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.2624014914035797},{"word":"cost","start":628.51495,"end":628.86,"confidence":0.7441975,"punctuated_word":"cost,","sentiment":"neutral","sentiment_score":0.19337621331214905},{"word":"which","start":628.94,"end":629.1,"confidence":0.9899184,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.23046556115150452},{"word":"helps","start":629.1,"end":629.26,"confidence":0.99511105,"punctuated_word":"helps","sentiment":"neutral","sentiment_score":0.31482377648353577},{"word":"sort","start":629.26,"end":629.33997,"confidence":0.9716743,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.27465271949768066},{"word":"of","start":629.33997,"end":629.5,"confidence":0.84313905,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23620980978012085},{"word":"go","start":629.5,"end":629.66,"confidence":0.99337983,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2293692976236343},{"word":"to","start":629.66,"end":629.89996,"confidence":0.9953092,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2654545307159424},{"word":"compounding","start":629.89996,"end":630.3,"confidence":0.985822,"punctuated_word":"compounding","sentiment":"neutral","sentiment_score":0.2785608768463135},{"word":"and","start":630.3,"end":630.45996,"confidence":0.9714514,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23563677072525024},{"word":"having","start":630.45996,"end":630.7,"confidence":0.99969363,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.2444995939731598},{"word":"money","start":630.7,"end":630.94,"confidence":0.99949884,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.17957249283790588},{"word":"invested","start":630.94,"end":631.33997,"confidence":0.7388805,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.17907342314720154},{"word":"there","start":631.33997,"end":631.42,"confidence":0.58776236,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.18437469005584717},{"word":"as","start":631.42,"end":631.5,"confidence":0.8266605,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2209182381629944},{"word":"well","start":631.5,"end":631.74,"confidence":0.86616284,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2482544183731079},{"word":"which","start":631.74,"end":631.98,"confidence":0.9931995,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.20784568786621097},{"word":"also","start":631.98,"end":632.22,"confidence":0.9956222,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.18642613291740415},{"word":"helps","start":632.22,"end":632.72,"confidence":0.99827075,"punctuated_word":"helps","sentiment":"neutral","sentiment_score":0.18857382237911224},{"word":"why","start":632.94,"end":633.18,"confidence":0.89925456,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.11807123571634293},{"word":"you're","start":633.18,"end":633.5,"confidence":0.9136188,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.14084048569202423},{"word":"not","start":633.5,"end":633.66,"confidence":0.842079,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.08531690388917923},{"word":"working","start":633.66,"end":634.06,"confidence":0.7795699,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":0.043473176658153534},{"word":"contributing","start":634.06,"end":634.54,"confidence":0.87878525,"punctuated_word":"contributing.","sentiment":"neutral","sentiment_score":0.054982591420412064},{"word":"it","start":634.54,"end":634.7,"confidence":0.82562304,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.07027637958526611},{"word":"doesn't","start":634.7,"end":634.94,"confidence":0.99963725,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.06980715692043304},{"word":"mean","start":634.94,"end":635.1,"confidence":0.9996294,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.026798203587532043},{"word":"we","start":635.1,"end":635.18,"confidence":0.9988273,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10613949596881866},{"word":"can't","start":635.18,"end":635.42,"confidence":0.9995098,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.030102062970399857},{"word":"review","start":635.42,"end":635.66,"confidence":0.9988329,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.04224342107772827},{"word":"it","start":635.66,"end":635.74,"confidence":0.677465,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05563969165086746},{"word":"in","start":635.74,"end":635.89996,"confidence":0.99954104,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.009020060300827026},{"word":"the","start":635.89996,"end":635.98,"confidence":0.99560344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11744742840528488},{"word":"future","start":635.98,"end":636.48,"confidence":0.92182684,"punctuated_word":"future.","sentiment":"neutral","sentiment_score":0.08408591151237488},{"word":"but","start":636.62,"end":636.77997,"confidence":0.93731254,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2111514508724213},{"word":"overall","start":636.77997,"end":637.1,"confidence":0.85654414,"punctuated_word":"overall,","sentiment":"neutral","sentiment_score":0.2848008871078491},{"word":"your","start":637.1,"end":637.33997,"confidence":0.865206,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3843229711055755},{"word":"lower","start":637.33997,"end":637.57996,"confidence":0.98801744,"punctuated_word":"lower","sentiment":"positive","sentiment_score":0.3458627760410309},{"word":"investment","start":637.57996,"end":638.06,"confidence":0.9994635,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.16199958324432373},{"word":"costs","start":638.06,"end":638.38,"confidence":0.887485,"punctuated_word":"costs,","sentiment":"positive","sentiment_score":0.3708411455154419},{"word":"you'll","start":638.38,"end":638.7,"confidence":0.9998553,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.44497188925743103},{"word":"have","start":638.7,"end":638.86,"confidence":0.9999013,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.477408766746521},{"word":"it","start":638.86,"end":639.1,"confidence":0.9923092,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.362388551235199},{"word":"in","start":639.1,"end":639.33997,"confidence":0.9970554,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3035796582698822},{"word":"line","start":639.33997,"end":639.5,"confidence":0.9984359,"punctuated_word":"line","sentiment":"positive","sentiment_score":0.38376152515411377},{"word":"with","start":639.5,"end":639.66,"confidence":0.9993661,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.408635526895523},{"word":"your","start":639.66,"end":639.82,"confidence":0.64911515,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.43397676944732666},{"word":"risk","start":639.82,"end":640.06,"confidence":0.9945511,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.30868569016456604},{"word":"profile","start":640.06,"end":640.56,"confidence":0.9672543,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":0.30481231212615967},{"word":"you'll","start":640.7,"end":640.94,"confidence":0.9697157,"punctuated_word":"You'll","sentiment":"positive","sentiment_score":0.4109761714935303},{"word":"still","start":640.94,"end":641.18,"confidence":0.5639084,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4125014245510102},{"word":"have","start":641.18,"end":641.33997,"confidence":0.9993155,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3603295981884002},{"word":"access","start":641.33997,"end":641.57996,"confidence":0.9996055,"punctuated_word":"access","sentiment":"positive","sentiment_score":0.38123637437820435},{"word":"to","start":641.57996,"end":641.66,"confidence":0.9975401,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.39911583065986633},{"word":"all","start":641.66,"end":641.82,"confidence":0.9956281,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4182773530483246},{"word":"of","start":641.82,"end":641.98,"confidence":0.7524174,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.40200313925743103},{"word":"both","start":641.98,"end":642.14,"confidence":0.42060384,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.37136536836624146},{"word":"of","start":642.14,"end":642.22,"confidence":0.36788723,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.37794503569602966},{"word":"your","start":642.22,"end":642.38,"confidence":0.8957089,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3813905119895935},{"word":"services","start":642.38,"end":642.86,"confidence":0.9992335,"punctuated_word":"services","sentiment":"positive","sentiment_score":0.3642464280128479},{"word":"there","start":642.86,"end":643.18,"confidence":0.9994216,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3769150972366333},{"word":"as","start":643.18,"end":643.26,"confidence":0.9996984,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4439080357551574},{"word":"well","start":643.26,"end":643.665,"confidence":0.87470514,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.4332288205623626},{"word":"and","start":643.90497,"end":644.14496,"confidence":0.98959255,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3833232820034027},{"word":"you'll","start":644.14496,"end":644.385,"confidence":0.9969414,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.4702904224395752},{"word":"be","start":644.385,"end":644.625,"confidence":0.99710983,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4556921422481537},{"word":"in","start":644.625,"end":645.125,"confidence":0.99668425,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.41374921798706055},{"word":"in","start":645.58496,"end":645.665,"confidence":0.8130052,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.44308051466941833},{"word":"a","start":645.665,"end":645.90497,"confidence":0.9837797,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4297977089881897},{"word":"portfolio","start":645.90497,"end":646.40497,"confidence":0.99961495,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.23088982701301575},{"word":"that","start":646.46497,"end":646.70496,"confidence":0.9996247,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4129513800144195},{"word":"is","start":646.70496,"end":646.945,"confidence":0.9983627,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3231047987937927},{"word":"in","start":646.945,"end":647.02496,"confidence":0.7273211,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3518809676170349},{"word":"line","start":647.02496,"end":647.185,"confidence":0.968077,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.33298295736312866},{"word":"with","start":647.185,"end":647.425,"confidence":0.9946051,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.364775687456131},{"word":"your","start":647.425,"end":647.58496,"confidence":0.53797454,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31650495529174805},{"word":"your","start":647.58496,"end":647.665,"confidence":0.6168918,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2771030068397522},{"word":"current","start":647.665,"end":647.90497,"confidence":0.9981438,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.2371104657649994},{"word":"risk","start":647.90497,"end":648.14496,"confidence":0.9846876,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.1463318169116974},{"word":"tolerance","start":648.14496,"end":648.64496,"confidence":0.9875447,"punctuated_word":"tolerance.","sentiment":"neutral","sentiment_score":0.14789973199367523},{"word":"yep","start":651.505,"end":652.005,"confidence":0.9832319,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1067093014717102},{"word":"now","start":652.14496,"end":652.38495,"confidence":0.99538285,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06807644665241241},{"word":"the","start":652.38495,"end":652.545,"confidence":0.9901652,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03114601969718933},{"word":"risk","start":652.545,"end":652.785,"confidence":0.9333072,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.07148031145334244},{"word":"of","start":652.785,"end":652.865,"confidence":0.9989003,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.058325640857219696},{"word":"that","start":652.865,"end":653.02496,"confidence":0.9999325,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05594255030155182},{"word":"one","start":653.02496,"end":653.185,"confidence":0.9997687,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.06640100479125977},{"word":"is","start":653.185,"end":653.345,"confidence":0.9989343,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.058892980217933655},{"word":"obviously","start":653.345,"end":653.665,"confidence":0.8080819,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.04741406440734863},{"word":"during","start":653.665,"end":653.82495,"confidence":0.9836089,"punctuated_word":"during","sentiment":"neutral","sentiment_score":-0.10938798636198044},{"word":"the","start":653.82495,"end":653.985,"confidence":0.99918526,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02703594416379929},{"word":"changes","start":653.985,"end":654.305,"confidence":0.99612695,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.0395306795835495},{"word":"and","start":654.305,"end":654.38495,"confidence":0.97970825,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04639725387096405},{"word":"things","start":654.38495,"end":654.625,"confidence":0.99936455,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.05869387090206146},{"word":"like","start":654.625,"end":654.70496,"confidence":0.9987871,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.06447894126176834},{"word":"that","start":654.70496,"end":654.865,"confidence":0.9996524,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.017393864691257477},{"word":"as","start":654.865,"end":654.945,"confidence":0.82653713,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.01815580576658249},{"word":"well","start":654.945,"end":655.105,"confidence":0.9769882,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.040592074394226074},{"word":"you","start":655.105,"end":655.26495,"confidence":0.9960317,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.069776751101017},{"word":"do","start":655.26495,"end":655.425,"confidence":0.99900514,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05292380601167679},{"word":"have","start":655.425,"end":655.505,"confidence":0.99927217,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06918437033891678},{"word":"the","start":655.505,"end":655.58496,"confidence":0.9986041,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09070110321044922},{"word":"market","start":655.58496,"end":655.90497,"confidence":0.99980813,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.14499568939208984},{"word":"risk","start":655.90497,"end":656.14496,"confidence":0.9765306,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.13606032729148865},{"word":"of","start":656.14496,"end":656.46497,"confidence":0.97888285,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1345631629228592},{"word":"if","start":656.46497,"end":656.625,"confidence":0.6915075,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0911642238497734},{"word":"things","start":656.625,"end":656.865,"confidence":0.9993462,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.1204669624567032},{"word":"were","start":656.865,"end":657.02496,"confidence":0.5180355,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.107896625995636},{"word":"changed","start":657.02496,"end":657.26495,"confidence":0.96136075,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.14891166985034943},{"word":"while","start":657.26495,"end":657.425,"confidence":0.95430726,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.11794382333755492},{"word":"you","start":657.425,"end":657.58496,"confidence":0.9934187,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10162854939699172},{"word":"sold","start":657.58496,"end":657.82495,"confidence":0.91956353,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":-0.1712181717157364},{"word":"down","start":657.82495,"end":658.065,"confidence":0.97632957,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.10443629324436188},{"word":"to","start":658.065,"end":658.14496,"confidence":0.9921523,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14316436648368835},{"word":"cash","start":658.14496,"end":658.46497,"confidence":0.76355416,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.0949481949210167},{"word":"that","start":658.46497,"end":658.74,"confidence":0.6420357,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10437055677175522},{"word":"you","start":658.89996,"end":659.06,"confidence":0.999419,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1493569314479828},{"word":"may","start":659.06,"end":659.22,"confidence":0.9969764,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.14525465667247772},{"word":"sort","start":659.22,"end":659.45996,"confidence":0.99538463,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.13989019393920898},{"word":"of","start":659.45996,"end":659.62,"confidence":0.964365,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1948659271001816},{"word":"forego","start":659.62,"end":659.94,"confidence":0.87368953,"punctuated_word":"forego","sentiment":"neutral","sentiment_score":-0.16570885479450226},{"word":"potential","start":659.94,"end":660.42,"confidence":0.986139,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":-0.1054150015115738},{"word":"gains","start":660.42,"end":660.92,"confidence":0.8599882,"punctuated_word":"gains.","sentiment":"neutral","sentiment_score":-0.10079401731491087},{"word":"also","start":660.98,"end":661.3,"confidence":0.91286606,"punctuated_word":"Also,","sentiment":"neutral","sentiment_score":-0.03056873381137848},{"word":"the","start":661.3,"end":661.45996,"confidence":0.99851495,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05424004793167114},{"word":"buy","start":661.45996,"end":661.7,"confidence":0.95906526,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.01625218242406845},{"word":"sell","start":661.7,"end":661.94,"confidence":0.54823124,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.0006860047578811646},{"word":"cost","start":661.94,"end":662.18,"confidence":0.589213,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.018200740218162537},{"word":"with","start":662.18,"end":662.42,"confidence":0.7629357,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.04603206366300583},{"word":"switching","start":662.42,"end":662.74,"confidence":0.99928397,"punctuated_word":"switching","sentiment":"neutral","sentiment_score":-0.024414412677288055},{"word":"investments","start":662.74,"end":663.14,"confidence":0.9017188,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.05591359734535217},{"word":"there","start":663.14,"end":663.22,"confidence":0.9282914,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.005124837160110474},{"word":"as","start":663.22,"end":663.38,"confidence":0.99880373,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04445507377386093},{"word":"well","start":663.38,"end":663.88,"confidence":0.97701806,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.014678798615932465},{"word":"obviously","start":664.18,"end":664.58,"confidence":0.98779863,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.02758781425654888},{"word":"been","start":664.58,"end":664.74,"confidence":0.463726,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.03149380534887314},{"word":"along","start":664.74,"end":664.98,"confidence":0.59844077,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.03203286975622177},{"word":"being","start":664.98,"end":665.22,"confidence":0.94021285,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.04654859006404877},{"word":"that","start":665.22,"end":665.38,"confidence":0.996207,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.027689307928085327},{"word":"it","start":665.38,"end":665.54,"confidence":0.9331098,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0350772887468338},{"word":"did","start":665.54,"end":665.7,"confidence":0.9982291,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.06594820320606232},{"word":"go","start":665.7,"end":665.94,"confidence":0.9997869,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0647379606962204},{"word":"down","start":665.94,"end":666.44,"confidence":0.99967897,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1160370483994484},{"word":"will","start":666.5,"end":666.74,"confidence":0.49487814,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.040736496448516846},{"word":"offset","start":666.74,"end":667.14,"confidence":0.998635,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.008526623249053955},{"word":"some","start":667.14,"end":667.3,"confidence":0.9998627,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.0020719915628433228},{"word":"of","start":667.3,"end":667.38,"confidence":0.9998579,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02566356211900711},{"word":"that","start":667.38,"end":667.88,"confidence":0.80979586,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.02357927523553371},{"word":"but","start":668.18,"end":668.42,"confidence":0.990235,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.013001888990402222},{"word":"in","start":668.42,"end":668.58,"confidence":0.98420376,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06200961023569107},{"word":"saying","start":668.58,"end":668.82,"confidence":0.9966383,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.06681689620018005},{"word":"that","start":668.82,"end":668.98,"confidence":0.9991949,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0553039126098156},{"word":"in","start":668.98,"end":669.14,"confidence":0.9858371,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0807889774441719},{"word":"the","start":669.14,"end":669.22,"confidence":0.9986389,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06686858832836151},{"word":"future","start":669.22,"end":669.7,"confidence":0.8668486,"punctuated_word":"future,","sentiment":"neutral","sentiment_score":-0.09959886968135834},{"word":"like","start":669.7,"end":669.94,"confidence":0.7952652,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.09236760437488556},{"word":"it","start":669.94,"end":670.18,"confidence":0.99467343,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.12985357642173767},{"word":"does","start":670.18,"end":670.42,"confidence":0.9980793,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.0906555950641632},{"word":"change","start":670.42,"end":670.66,"confidence":0.9972984,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.11533625423908234},{"word":"daily","start":670.66,"end":671.16,"confidence":0.8052641,"punctuated_word":"daily,","sentiment":"neutral","sentiment_score":-0.1571226269006729},{"word":"so","start":671.3,"end":671.45996,"confidence":0.99471104,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.13794812560081482},{"word":"it","start":671.45996,"end":671.62,"confidence":0.9976676,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13114461302757263},{"word":"can't","start":671.62,"end":671.86,"confidence":0.9990226,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1512938290834427},{"word":"be","start":671.86,"end":672.02,"confidence":0.99884486,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.18250322341918945},{"word":"fully","start":672.02,"end":672.33997,"confidence":0.9997677,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":-0.1627681851387024},{"word":"calculated","start":672.33997,"end":672.83997,"confidence":0.9800751,"punctuated_word":"calculated.","sentiment":"neutral","sentiment_score":-0.13768014311790466},{"word":"but","start":673.365,"end":673.525,"confidence":0.993028,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.04492146149277687},{"word":"in","start":673.525,"end":673.605,"confidence":0.9910301,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06361283361911774},{"word":"saying","start":673.605,"end":673.845,"confidence":0.9991283,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.036650508642196655},{"word":"that","start":673.845,"end":674.005,"confidence":0.7939007,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.02697209268808365},{"word":"we","start":674.005,"end":674.085,"confidence":0.9997825,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.020036645233631138},{"word":"did","start":674.085,"end":674.245,"confidence":0.9990809,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.012034997344017029},{"word":"look","start":674.245,"end":674.405,"confidence":0.99974114,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.003904588520526886},{"word":"at","start":674.405,"end":674.645,"confidence":0.93260527,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":-0.021951083093881607},{"word":"you","start":674.645,"end":674.805,"confidence":0.99958926,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04820343479514122},{"word":"know","start":674.805,"end":675.205,"confidence":0.9995048,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.030464736744761467},{"word":"removing","start":675.205,"end":675.705,"confidence":0.99958867,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.033496957272291183},{"word":"you","start":675.845,"end":676.085,"confidence":0.9993388,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13089966773986816},{"word":"from","start":676.085,"end":676.325,"confidence":0.9998011,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.13340282440185547},{"word":"your","start":676.325,"end":676.485,"confidence":0.9899957,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.10213305056095125},{"word":"your","start":676.485,"end":676.645,"confidence":0.98434204,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.12597033381462097},{"word":"fund","start":676.645,"end":676.965,"confidence":0.903679,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.13442829251289368},{"word":"putting","start":676.965,"end":677.285,"confidence":0.6019114,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.04491554945707321},{"word":"into","start":677.285,"end":677.525,"confidence":0.66135585,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.025835052132606503},{"word":"a","start":677.525,"end":677.605,"confidence":0.98411614,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015797769650816917},{"word":"different","start":677.605,"end":677.845,"confidence":0.99979967,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.04502770677208901},{"word":"fund","start":677.845,"end":678.085,"confidence":0.9960879,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.02875625714659691},{"word":"there","start":678.085,"end":678.245,"confidence":0.99957734,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.028086982667446136},{"word":"as","start":678.245,"end":678.405,"confidence":0.9991806,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03230621665716171},{"word":"well","start":678.405,"end":678.885,"confidence":0.9486507,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.025388244539499283},{"word":"that","start":678.885,"end":679.125,"confidence":0.97903985,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.07338880002498627},{"word":"might","start":679.125,"end":679.285,"confidence":0.9998704,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.10514898598194122},{"word":"be","start":679.285,"end":679.365,"confidence":0.9994635,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.182172954082489},{"word":"a","start":679.365,"end":679.445,"confidence":0.9980805,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18629559874534607},{"word":"lower","start":679.445,"end":679.685,"confidence":0.99949324,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.15332049131393433},{"word":"cost","start":679.685,"end":679.925,"confidence":0.99782217,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.1589904427528381},{"word":"and","start":679.925,"end":680.085,"confidence":0.9807631,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2574999928474426},{"word":"have","start":680.085,"end":680.245,"confidence":0.9579331,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2856222689151764},{"word":"some","start":680.245,"end":680.405,"confidence":0.9995895,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.31013280153274536},{"word":"other","start":680.405,"end":680.645,"confidence":0.9998678,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2598138153553009},{"word":"advantages","start":680.645,"end":681.145,"confidence":0.8100462,"punctuated_word":"advantages.","sentiment":"neutral","sentiment_score":0.1709689199924469},{"word":"but","start":681.605,"end":681.765,"confidence":0.9963425,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1445714384317398},{"word":"it","start":681.765,"end":681.845,"confidence":0.99963605,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15035274624824524},{"word":"did","start":681.845,"end":682.165,"confidence":0.9996598,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.16784989833831787},{"word":"show","start":682.165,"end":682.405,"confidence":0.9996239,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.08062639832496643},{"word":"that","start":682.405,"end":682.645,"confidence":0.9393961,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.12109818309545516},{"word":"you","start":682.645,"end":682.805,"confidence":0.9982293,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11625030636787416},{"word":"know","start":682.805,"end":683.045,"confidence":0.9995129,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.16188916563987732},{"word":"if","start":683.045,"end":683.205,"confidence":0.84222955,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2054125964641571},{"word":"if","start":683.205,"end":683.285,"confidence":0.542824,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1541910320520401},{"word":"you","start":683.285,"end":683.525,"confidence":0.99699783,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11704515665769576},{"word":"sold","start":683.525,"end":683.765,"confidence":0.9830822,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":-0.010421589016914368},{"word":"down","start":683.765,"end":683.925,"confidence":0.9435561,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.003699764609336853},{"word":"everything","start":683.925,"end":684.245,"confidence":0.99484646,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.07847285270690918},{"word":"your","start":684.245,"end":684.485,"confidence":0.9880895,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.049474239349365234},{"word":"capital","start":684.485,"end":684.805,"confidence":0.9994431,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.08345617353916168},{"word":"gains","start":684.805,"end":685.125,"confidence":0.99431914,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.13910405337810516},{"word":"would","start":685.125,"end":685.285,"confidence":0.99412596,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.12429241836071014},{"word":"be","start":685.285,"end":685.525,"confidence":0.99860567,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2967298626899719},{"word":"up","start":685.525,"end":685.685,"confidence":0.99639016,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3371526598930359},{"word":"around","start":685.685,"end":685.925,"confidence":0.995675,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.28311634063720703},{"word":"nearly","start":685.925,"end":686.245,"confidence":0.96292853,"punctuated_word":"nearly","sentiment":"neutral","sentiment_score":0.27230361104011536},{"word":"the","start":686.245,"end":686.325,"confidence":0.95582753,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21298682689666748},{"word":"know","start":686.82996,"end":686.91,"confidence":0.9881709,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1452614963054657},{"word":"just","start":686.91,"end":687.14996,"confidence":0.9990626,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18204480409622192},{"word":"under","start":687.14996,"end":687.47,"confidence":0.9995597,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.2904338538646698},{"word":"the","start":687.47,"end":687.63,"confidence":0.99813473,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18856936693191528},{"word":"6,000","start":687.63,"end":688.11,"confidence":0.99970734,"punctuated_word":"6,000","sentiment":"neutral","sentiment_score":0.1791488081216812},{"word":"mark","start":688.11,"end":688.35,"confidence":0.88405013,"punctuated_word":"mark.","sentiment":"neutral","sentiment_score":0.1608100384473801},{"word":"so","start":688.35,"end":688.43,"confidence":0.99905866,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0670589879155159},{"word":"we","start":688.43,"end":688.58997,"confidence":0.9995696,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08147867023944855},{"word":"didn't","start":688.58997,"end":688.75,"confidence":0.9993936,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.008668830618262291},{"word":"wanna","start":688.75,"end":688.99,"confidence":0.7213908,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.0702442079782486},{"word":"do","start":688.99,"end":689.14996,"confidence":0.9961175,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.14608968794345856},{"word":"a","start":689.14996,"end":689.23,"confidence":0.999273,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.23830491304397583},{"word":"full","start":689.23,"end":689.47,"confidence":0.9994717,"punctuated_word":"full","sentiment":"negative","sentiment_score":-0.4013769328594208},{"word":"sell","start":689.47,"end":689.63,"confidence":0.98350245,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.21794888377189636},{"word":"down","start":689.63,"end":690.13,"confidence":0.96805197,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.046988531947135925},{"word":"to","start":690.75,"end":691.07,"confidence":0.997262,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09469576179981232},{"word":"make","start":691.07,"end":691.38995,"confidence":0.9995658,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.08093183487653732},{"word":"you","start":691.38995,"end":691.55,"confidence":0.99944097,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03807969391345978},{"word":"sort","start":691.55,"end":691.70996,"confidence":0.98846763,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.05172140151262283},{"word":"of","start":691.70996,"end":691.79,"confidence":0.93551797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04577800631523132},{"word":"pay","start":691.79,"end":692.02997,"confidence":0.99825007,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.06917586177587509},{"word":"that","start":692.02997,"end":692.19,"confidence":0.99720544,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.018198713660240173},{"word":"upfront","start":692.19,"end":692.58997,"confidence":0.77560705,"punctuated_word":"upfront","sentiment":"neutral","sentiment_score":-0.07073885947465897},{"word":"lump","start":692.58997,"end":692.75,"confidence":0.99178934,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":-0.06412243843078613},{"word":"sum","start":692.75,"end":692.99,"confidence":0.99926513,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":-0.03321700543165207},{"word":"cost","start":692.99,"end":693.49,"confidence":0.9923099,"punctuated_word":"cost.","sentiment":"neutral","sentiment_score":0.00768013671040535},{"word":"so","start":694.11,"end":694.61,"confidence":0.7561734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.037127651274204254},{"word":"within","start":694.91,"end":695.31,"confidence":0.96416104,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.02429385483264923},{"word":"regards","start":695.31,"end":695.81,"confidence":0.99867225,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.04696904867887497},{"word":"to","start":695.95,"end":696.43,"confidence":0.9997969,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06699816137552261},{"word":"the","start":696.43,"end":696.67,"confidence":0.9995678,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.049902379512786865},{"word":"investments","start":696.67,"end":697.17,"confidence":0.99356854,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.006416477262973785},{"word":"there","start":697.31,"end":697.55,"confidence":0.9853215,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.03365837037563324},{"word":"you","start":697.55,"end":697.79,"confidence":0.9996743,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.022401869297027588},{"word":"will","start":697.79,"end":698.19,"confidence":0.9993338,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.005063928663730621},{"word":"be","start":698.19,"end":698.43,"confidence":0.9989826,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.015461429953575134},{"word":"out","start":698.43,"end":698.58997,"confidence":0.9468441,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.028771452605724335},{"word":"of","start":698.58997,"end":698.75,"confidence":0.9802663,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004446007311344147},{"word":"benelung","start":698.75,"end":699.14996,"confidence":0.63527995,"punctuated_word":"Benelung.","sentiment":"neutral","sentiment_score":0.00856221467256546},{"word":"you","start":699.14996,"end":699.31,"confidence":0.9987931,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.010108530521392822},{"word":"still","start":699.31,"end":699.55,"confidence":0.54666865,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.022906649857759476},{"word":"have","start":699.55,"end":699.79,"confidence":0.9973145,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.00712687149643898},{"word":"exposure","start":699.79,"end":700.26996,"confidence":0.9994568,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.0076519884169101715},{"word":"in","start":700.26996,"end":700.43,"confidence":0.99920315,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.016709238290786743},{"word":"australia","start":700.43,"end":700.93,"confidence":0.91541195,"punctuated_word":"Australia.","sentiment":"neutral","sentiment_score":0.01525844819843769},{"word":"within","start":701.735,"end":702.21497,"confidence":0.9353792,"punctuated_word":"Within","sentiment":"neutral","sentiment_score":0.043673254549503326},{"word":"regards","start":702.21497,"end":702.695,"confidence":0.99875295,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.04934047907590866},{"word":"to","start":702.695,"end":703.015,"confidence":0.99958044,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07723715901374817},{"word":"your","start":703.015,"end":703.175,"confidence":0.9960129,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08110709488391876},{"word":"new","start":703.175,"end":703.415,"confidence":0.9990029,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.06089089065790176},{"word":"sort","start":703.415,"end":703.65497,"confidence":0.9955304,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04838040471076965},{"word":"of","start":703.65497,"end":703.89496,"confidence":0.99977356,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05295287445187569},{"word":"exposures","start":703.89496,"end":704.39496,"confidence":0.99922836,"punctuated_word":"exposures","sentiment":"neutral","sentiment_score":0.03154657781124115},{"word":"there","start":704.455,"end":704.615,"confidence":0.99894744,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05431848764419556},{"word":"as","start":704.615,"end":704.77496,"confidence":0.9972066,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09391653537750244},{"word":"well","start":704.77496,"end":705.015,"confidence":0.9781543,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.10682018846273422},{"word":"you'll","start":705.015,"end":705.255,"confidence":0.987765,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.06783705204725266},{"word":"be","start":705.255,"end":705.755,"confidence":0.99983084,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06580108404159546},{"word":"in","start":705.815,"end":706.315,"confidence":0.99800164,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.033222876489162445},{"word":"vanguard","start":707.015,"end":707.415,"confidence":0.6247464,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.03288732096552849},{"word":"or","start":707.415,"end":707.575,"confidence":0.41798225,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09524461627006532},{"word":"world","start":707.575,"end":707.89496,"confidence":0.5095326,"punctuated_word":"World,","sentiment":"neutral","sentiment_score":0.07228286564350128},{"word":"so","start":707.89496,"end":707.975,"confidence":0.9889682,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05324473977088928},{"word":"a","start":707.975,"end":708.055,"confidence":0.986914,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06797123700380325},{"word":"bit","start":708.055,"end":708.375,"confidence":0.9992181,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04171600192785263},{"word":"outside","start":708.375,"end":708.77496,"confidence":0.99950147,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.030940435826778412},{"word":"the","start":708.77496,"end":708.935,"confidence":0.9469957,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.023159876465797424},{"word":"us","start":708.935,"end":709.175,"confidence":0.99648476,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.015403419733047484},{"word":"as","start":709.175,"end":709.255,"confidence":0.9985518,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11828526109457016},{"word":"well","start":709.255,"end":709.495,"confidence":0.99997616,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.11785898357629776},{"word":"just","start":709.495,"end":709.735,"confidence":0.7161325,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1175788789987564},{"word":"with","start":709.735,"end":709.815,"confidence":0.99864453,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12180083245038986},{"word":"how","start":709.815,"end":710.055,"confidence":0.99966264,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.13167907297611237},{"word":"everything","start":710.055,"end":710.375,"confidence":0.9998191,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.17208579182624817},{"word":"is","start":710.375,"end":710.535,"confidence":0.99952817,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16561828553676605},{"word":"going","start":710.535,"end":710.695,"confidence":0.9998965,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.28688013553619385},{"word":"as","start":710.695,"end":710.855,"confidence":0.9984212,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23053260147571564},{"word":"well","start":710.855,"end":711.015,"confidence":0.9321437,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.1568947434425354},{"word":"having","start":711.015,"end":711.255,"confidence":0.99046576,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.05774639919400215},{"word":"a","start":711.255,"end":711.33496,"confidence":0.8851929,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05814540386199951},{"word":"bit","start":711.33496,"end":711.415,"confidence":0.99938047,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.03352925181388855},{"word":"of","start":711.415,"end":711.575,"confidence":0.999816,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0191764235496521},{"word":"exposure","start":711.575,"end":712.075,"confidence":0.9991032,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.011760473251342772},{"word":"outside","start":712.135,"end":712.535,"confidence":0.9992698,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.030484206974506375},{"word":"of","start":712.535,"end":712.615,"confidence":0.9997726,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02444200962781906},{"word":"that","start":712.615,"end":713.115,"confidence":0.91082644,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.03388911858201027},{"word":"and","start":713.175,"end":713.255,"confidence":0.94694525,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0775703638792038},{"word":"then","start":713.255,"end":713.415,"confidence":0.99972206,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09325376152992249},{"word":"you'll","start":713.415,"end":713.65497,"confidence":0.9975512,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.1208481416106224},{"word":"also","start":713.65497,"end":713.89496,"confidence":0.99982554,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10271480679512024},{"word":"have","start":713.89496,"end":714.055,"confidence":0.99969256,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11342713981866837},{"word":"some","start":714.055,"end":714.295,"confidence":0.99970156,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08937464654445648},{"word":"bonds","start":714.295,"end":714.795,"confidence":0.9912354,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.07842835783958435},{"word":"just","start":715.015,"end":715.255,"confidence":0.99650013,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12263482809066772},{"word":"to","start":715.255,"end":715.755,"confidence":0.9920421,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11532130092382432},{"word":"replace","start":716.39,"end":716.79004,"confidence":0.998681,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":0.08958190679550171},{"word":"the","start":716.79004,"end":717.03,"confidence":0.94701874,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1235763132572174},{"word":"the","start":717.03,"end":717.11005,"confidence":0.9553625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10283571481704712},{"word":"bank","start":717.11005,"end":717.35004,"confidence":0.9951024,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.06308312714099884},{"word":"hybrids","start":717.35004,"end":717.67004,"confidence":0.9804852,"punctuated_word":"hybrids","sentiment":"neutral","sentiment_score":0.07757946848869324},{"word":"you","start":717.67004,"end":717.83,"confidence":0.9775348,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1339811533689499},{"word":"previously","start":717.83,"end":718.31,"confidence":0.9870328,"punctuated_word":"previously","sentiment":"neutral","sentiment_score":0.07363834977149963},{"word":"had","start":718.31,"end":718.55,"confidence":0.99859697,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.0655299499630928},{"word":"just","start":718.55,"end":718.71,"confidence":0.95923185,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08942466974258423},{"word":"because","start":718.71,"end":718.95,"confidence":0.9907182,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.10070547461509705},{"word":"they","start":718.95,"end":719.03,"confidence":0.99950516,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07406291365623474},{"word":"are","start":719.03,"end":719.27,"confidence":0.99848205,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0888524055480957},{"word":"phasing","start":719.27,"end":719.51,"confidence":0.99391806,"punctuated_word":"phasing","sentiment":"neutral","sentiment_score":0.06216970086097717},{"word":"those","start":719.51,"end":719.75,"confidence":0.9996724,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.03419152647256851},{"word":"out","start":719.75,"end":719.99,"confidence":0.7934555,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.04223757982254028},{"word":"so","start":719.99,"end":720.15,"confidence":0.8603871,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1025381162762642},{"word":"not","start":720.15,"end":720.23004,"confidence":0.99347395,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.09852179884910583},{"word":"a","start":720.23004,"end":720.31,"confidence":0.9973816,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13890837132930756},{"word":"huge","start":720.31,"end":720.63,"confidence":0.999863,"punctuated_word":"huge","sentiment":"neutral","sentiment_score":0.055083975195884705},{"word":"change","start":720.63,"end":720.79004,"confidence":0.99893266,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.04677999019622803},{"word":"with","start":720.79004,"end":720.95,"confidence":0.9157585,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16408172249794006},{"word":"that","start":720.95,"end":721.11005,"confidence":0.9904088,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.21638770401477816},{"word":"it","start":721.11005,"end":721.19,"confidence":0.9811979,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4487391114234924},{"word":"is","start":721.19,"end":721.35004,"confidence":0.9978987,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.42666712403297424},{"word":"a","start":721.35004,"end":721.51,"confidence":0.9991505,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4449647068977356},{"word":"defensive","start":721.51,"end":721.99,"confidence":0.99907184,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.29355496168136597},{"word":"asset","start":721.99,"end":722.49,"confidence":0.9997045,"punctuated_word":"asset.","sentiment":"positive","sentiment_score":0.46217238903045654},{"word":"the","start":722.79004,"end":722.95,"confidence":0.9924642,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.36128729581832886},{"word":"rest","start":722.95,"end":723.11005,"confidence":0.9998073,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.2401152700185776},{"word":"of","start":723.11005,"end":723.19,"confidence":0.99857414,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2891036868095398},{"word":"your","start":723.19,"end":723.35004,"confidence":0.9972772,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.28806591033935547},{"word":"portfolio","start":723.35004,"end":723.75,"confidence":0.9998287,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1634140908718109},{"word":"will","start":723.75,"end":723.83,"confidence":0.54585356,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2143208533525467},{"word":"just","start":723.83,"end":723.99,"confidence":0.9982437,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23776158690452576},{"word":"sort","start":723.99,"end":724.15,"confidence":0.9869332,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2008502781391144},{"word":"of","start":724.15,"end":724.23004,"confidence":0.91315055,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2488885223865509},{"word":"be","start":724.23004,"end":724.39,"confidence":0.9958514,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.24577412009239197},{"word":"adjusted","start":724.39,"end":724.79004,"confidence":0.99898547,"punctuated_word":"adjusted","sentiment":"neutral","sentiment_score":0.20630045235157013},{"word":"in","start":724.79004,"end":724.95,"confidence":0.9978654,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21830293536186215},{"word":"line","start":724.95,"end":725.19,"confidence":0.9998192,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.27114903926849365},{"word":"with","start":725.19,"end":725.35004,"confidence":0.9998889,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.27392274141311646},{"word":"that","start":725.35004,"end":725.85004,"confidence":0.9973279,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22253772616386416},{"word":"rebalancing","start":726.47003,"end":726.97003,"confidence":0.9540477,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.2148112952709198},{"word":"and","start":727.35004,"end":727.51,"confidence":0.93011165,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14671653509140015},{"word":"then","start":727.51,"end":727.83,"confidence":0.99976116,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1932119578123093},{"word":"just","start":727.83,"end":728.23004,"confidence":0.9995635,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1288633942604065},{"word":"removing","start":728.23004,"end":728.63,"confidence":0.9988944,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":0.09885454177856444},{"word":"all","start":728.63,"end":728.79004,"confidence":0.6507377,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1539101600646973},{"word":"that","start":728.79004,"end":729.11005,"confidence":0.9397122,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13921859860420227},{"word":"key","start":729.11005,"end":729.43,"confidence":0.997373,"punctuated_word":"key","sentiment":"neutral","sentiment_score":0.0028105974197387695},{"word":"asset","start":729.43,"end":729.83,"confidence":0.9992785,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.021506689488887787},{"word":"there","start":729.83,"end":730.275,"confidence":0.9990543,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.136333629488945},{"word":"it's","start":730.835,"end":730.995,"confidence":0.9915134,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.14227280020713806},{"word":"important","start":730.995,"end":731.23505,"confidence":0.9999021,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.10932252556085588},{"word":"to","start":731.23505,"end":731.315,"confidence":0.9996613,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15021657943725586},{"word":"note","start":731.315,"end":731.55505,"confidence":0.984287,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.10105125606060028},{"word":"that","start":731.55505,"end":731.635,"confidence":0.9996012,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.133270263671875},{"word":"you","start":731.635,"end":731.79504,"confidence":0.9998246,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14474086463451383},{"word":"will","start":731.79504,"end":731.875,"confidence":0.9998191,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09765375405550004},{"word":"have","start":731.875,"end":731.955,"confidence":0.9998883,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06794379651546478},{"word":"a","start":731.955,"end":732.11505,"confidence":0.9994825,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07834318280220032},{"word":"minimum","start":732.11505,"end":732.435,"confidence":0.9998753,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":-0.025623641908168793},{"word":"cash","start":732.435,"end":732.59503,"confidence":0.9985695,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.022143274545669556},{"word":"balance","start":732.59503,"end":732.91504,"confidence":0.9990652,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.015345722436904907},{"word":"that","start":732.91504,"end":732.995,"confidence":0.90908736,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08858267962932587},{"word":"netwealth","start":732.995,"end":733.395,"confidence":0.765269,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.09648587554693222},{"word":"does","start":733.395,"end":733.55505,"confidence":0.9967213,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.11051461100578308},{"word":"hold","start":733.55505,"end":733.79504,"confidence":0.9517584,"punctuated_word":"hold,","sentiment":"neutral","sentiment_score":0.11896158754825592},{"word":"which","start":733.79504,"end":733.955,"confidence":0.9999336,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.13945002853870392},{"word":"is","start":733.955,"end":734.11505,"confidence":0.9997682,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10039283335208891},{"word":"1.25%","start":734.11505,"end":735.155,"confidence":0.98860437,"punctuated_word":"1.25%","sentiment":"neutral","sentiment_score":0.1186460480093956},{"word":"of","start":735.155,"end":735.315,"confidence":0.9997749,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08142255991697311},{"word":"your","start":735.315,"end":735.47504,"confidence":0.9985085,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10210704803466795},{"word":"current","start":735.47504,"end":735.79504,"confidence":0.99819046,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.05065058171749115},{"word":"balance","start":735.79504,"end":736.29504,"confidence":0.9993436,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.026521526277065277},{"word":"there","start":736.515,"end":736.755,"confidence":0.9980519,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05852210521697998},{"word":"as","start":736.755,"end":736.91504,"confidence":0.9995555,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08709612488746643},{"word":"well","start":736.91504,"end":737.41504,"confidence":0.9993147,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.051590245217084885},{"word":"so","start":738.195,"end":738.435,"confidence":0.82485306,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1065281480550766},{"word":"overall","start":738.435,"end":738.91504,"confidence":0.81362784,"punctuated_word":"overall,","sentiment":"neutral","sentiment_score":0.20031505823135376},{"word":"it","start":738.91504,"end":739.075,"confidence":0.99981743,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2560215890407562},{"word":"will","start":739.075,"end":739.315,"confidence":0.9999274,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1995356976985931},{"word":"reduce","start":739.315,"end":739.635,"confidence":0.9997774,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.14435188472270966},{"word":"your","start":739.635,"end":739.875,"confidence":0.99935776,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09163583815097807},{"word":"exposure","start":739.875,"end":740.275,"confidence":0.84917223,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.15904605388641355},{"word":"slightly","start":740.275,"end":740.67505,"confidence":0.99471915,"punctuated_word":"slightly.","sentiment":"neutral","sentiment_score":0.08358785510063171},{"word":"you'll","start":740.67505,"end":740.835,"confidence":0.9894403,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.24197202920913696},{"word":"be","start":740.835,"end":740.995,"confidence":0.99973077,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.274801641702652},{"word":"around","start":740.995,"end":741.315,"confidence":0.9979233,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.26465821266174316},{"word":"95%","start":741.315,"end":742.03503,"confidence":0.9961192,"punctuated_word":"95%","sentiment":"neutral","sentiment_score":0.3025553524494171},{"word":"growth","start":742.03503,"end":742.275,"confidence":0.98397106,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2999843955039978},{"word":"assets","start":742.275,"end":742.59,"confidence":0.8783426,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.24894873797893524},{"word":"around","start":742.67004,"end":742.83,"confidence":0.99842167,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.28384438157081604},{"word":"5%","start":742.83,"end":743.47003,"confidence":0.9990457,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.28532612323760986},{"word":"defensive","start":743.47003,"end":743.87006,"confidence":0.9888674,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":0.17838391661643982},{"word":"now","start":743.87006,"end":744.11005,"confidence":0.98588866,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1875350922346115},{"word":"it's","start":744.11005,"end":744.27,"confidence":0.993773,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1925434768199921},{"word":"important","start":744.27,"end":744.51,"confidence":0.9998772,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.13122789561748505},{"word":"to","start":744.51,"end":744.67004,"confidence":0.99932086,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1742517054080963},{"word":"note","start":744.67004,"end":744.91003,"confidence":0.99828833,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.11589892953634262},{"word":"that","start":744.91003,"end":745.07,"confidence":0.99904674,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1711193472146988},{"word":"your","start":745.07,"end":745.23004,"confidence":0.9448317,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1992286741733551},{"word":"alternative","start":745.23004,"end":745.63,"confidence":0.97362465,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":0.09791960567235948},{"word":"growth","start":745.63,"end":745.95,"confidence":0.99741447,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.11147815734148026},{"word":"assets","start":745.95,"end":746.45,"confidence":0.9665417,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.1322113275527954},{"word":"does","start":746.67004,"end":746.99005,"confidence":0.97960836,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.1752307116985321},{"word":"contain","start":746.99005,"end":747.39,"confidence":0.99767715,"punctuated_word":"contain","sentiment":"neutral","sentiment_score":0.13725276291370392},{"word":"gold","start":747.39,"end":747.63,"confidence":0.99336714,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.14803168177604675},{"word":"around","start":747.63,"end":747.87006,"confidence":0.99552804,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.14460355043411255},{"word":"7%","start":747.87006,"end":748.43005,"confidence":0.94739807,"punctuated_word":"7%,","sentiment":"neutral","sentiment_score":0.19272111356258392},{"word":"and","start":748.43005,"end":748.59,"confidence":0.99989676,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1578262746334076},{"word":"that","start":748.59,"end":748.75,"confidence":0.9970208,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25161853432655334},{"word":"can","start":748.75,"end":748.91003,"confidence":0.9998771,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22727881371974945},{"word":"be","start":748.91003,"end":749.07,"confidence":0.9996044,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2476380616426468},{"word":"considered","start":749.07,"end":749.39,"confidence":0.99929345,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":0.21749965846538544},{"word":"a","start":749.39,"end":749.47003,"confidence":0.94890803,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23606587946414948},{"word":"bit","start":749.47003,"end":749.55005,"confidence":0.9998356,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1666969358921051},{"word":"of","start":749.55005,"end":749.63,"confidence":0.9994992,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20599427819252017},{"word":"a","start":749.63,"end":749.79004,"confidence":0.9972128,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18223857879638672},{"word":"defensive","start":749.79004,"end":750.19,"confidence":0.9995509,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.06936700642108917},{"word":"asset","start":750.19,"end":750.51,"confidence":0.9981128,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.21575206518173215},{"word":"as","start":750.51,"end":750.59,"confidence":0.99959093,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2272169589996338},{"word":"well","start":750.59,"end":750.83,"confidence":0.9999075,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.20490171015262604},{"word":"depending","start":750.83,"end":751.15,"confidence":0.8024674,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.2094922959804535},{"word":"on","start":751.15,"end":751.31,"confidence":0.99958783,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2216147780418396},{"word":"how","start":751.31,"end":751.47003,"confidence":0.99967074,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.17825442552566528},{"word":"the","start":751.47003,"end":751.55005,"confidence":0.99901223,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20397402346134183},{"word":"markets","start":751.55005,"end":751.95,"confidence":0.99491066,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.16857928037643433},{"word":"are","start":751.95,"end":752.11005,"confidence":0.99976224,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10736533254384996},{"word":"doing","start":752.11005,"end":752.51,"confidence":0.99978757,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":0.1262141764163971},{"word":"obviously","start":752.51,"end":752.83,"confidence":0.99185777,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.1708967387676239},{"word":"in","start":752.83,"end":752.99005,"confidence":0.9995179,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2104656547307968},{"word":"the","start":752.99005,"end":753.07,"confidence":0.9991911,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2085394561290741},{"word":"past","start":753.07,"end":753.31,"confidence":0.9998982,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.15283432602882385},{"word":"few","start":753.31,"end":753.47003,"confidence":0.9848754,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.11688558012247086},{"word":"years","start":753.47003,"end":753.63,"confidence":0.98018104,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.18602433800697327},{"word":"it's","start":753.63,"end":753.79004,"confidence":0.9991039,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.29223379492759705},{"word":"grown","start":753.79004,"end":754.11005,"confidence":0.87080306,"punctuated_word":"grown","sentiment":"positive","sentiment_score":0.38162723183631897},{"word":"so","start":754.11005,"end":754.27,"confidence":0.99938655,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.26803138852119446},{"word":"much","start":754.27,"end":754.51,"confidence":0.9998468,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.3523406684398651},{"word":"that","start":754.51,"end":754.59,"confidence":0.9745491,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2401864528656006},{"word":"it's","start":754.59,"end":754.83,"confidence":0.91592216,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2731276750564575},{"word":"been","start":754.83,"end":754.91003,"confidence":0.5318713,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.25469040870666504},{"word":"considered","start":754.91003,"end":755.23004,"confidence":0.9848312,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":0.23489737510681152},{"word":"a","start":755.23004,"end":755.31,"confidence":0.97759,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26575779914855957},{"word":"bit","start":755.31,"end":755.47003,"confidence":0.99959666,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12232290208339693},{"word":"more","start":755.47003,"end":755.63,"confidence":0.9989894,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.12379929423332214},{"word":"of","start":755.63,"end":755.71,"confidence":0.5255443,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15885378420352936},{"word":"growth","start":755.71,"end":755.95,"confidence":0.8044437,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.20144441723823547},{"word":"asset","start":755.95,"end":756.27,"confidence":0.9443206,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.21198980510234833},{"word":"currently","start":756.27,"end":756.67004,"confidence":0.9947983,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.1730382740497589},{"word":"compared","start":756.67004,"end":757.17004,"confidence":0.99613,"punctuated_word":"compared","sentiment":"neutral","sentiment_score":0.14064878225326538},{"word":"to","start":757.335,"end":757.495,"confidence":0.99552035,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21257200837135315},{"word":"what","start":757.495,"end":757.575,"confidence":0.99982554,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.20320561528205872},{"word":"it","start":757.575,"end":757.73505,"confidence":0.99865854,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20705652236938477},{"word":"previously","start":757.73505,"end":758.23505,"confidence":0.9994425,"punctuated_word":"previously","sentiment":"neutral","sentiment_score":0.11710092425346376},{"word":"has","start":758.29504,"end":758.53503,"confidence":0.9989386,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.1341421902179718},{"word":"been","start":758.53503,"end":758.775,"confidence":0.92538667,"punctuated_word":"been,","sentiment":"neutral","sentiment_score":0.18113189935684204},{"word":"and","start":758.775,"end":758.935,"confidence":0.99975044,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1960011720657349},{"word":"that's","start":758.935,"end":759.17505,"confidence":0.9992806,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.25995564460754395},{"word":"how","start":759.17505,"end":759.41504,"confidence":0.9963483,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.2057848423719406},{"word":"oakview's","start":759.41504,"end":759.895,"confidence":0.6482284,"punctuated_word":"Oakview's","sentiment":"positive","sentiment_score":0.4057372510433197},{"word":"decided","start":759.895,"end":760.29504,"confidence":0.99445677,"punctuated_word":"decided","sentiment":"neutral","sentiment_score":0.2637309432029724},{"word":"to","start":760.29504,"end":760.79504,"confidence":0.9989573,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27172625064849854},{"word":"allocate","start":761.015,"end":761.335,"confidence":0.9967618,"punctuated_word":"allocate","sentiment":"neutral","sentiment_score":0.2590793967247009},{"word":"it","start":761.335,"end":761.835,"confidence":0.9965068,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2718048095703125},{"word":"in","start":762.455,"end":762.61505,"confidence":0.8529761,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.21122443675994873},{"word":"terms","start":762.61505,"end":762.85504,"confidence":0.9999738,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.14751996099948883},{"word":"of","start":762.85504,"end":763.015,"confidence":0.9999602,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24616464972496033},{"word":"the","start":763.015,"end":763.17505,"confidence":0.99901676,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2285633385181427},{"word":"cost","start":763.17505,"end":763.495,"confidence":0.99929404,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.19485074281692505},{"word":"savings","start":763.495,"end":763.995,"confidence":0.99954176,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.2150699645280838},{"word":"around","start":764.055,"end":764.375,"confidence":0.98273414,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.23810121417045593},{"word":"the","start":764.375,"end":764.53503,"confidence":0.9995152,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20595364272594452},{"word":"difference","start":764.53503,"end":765.03503,"confidence":0.78372407,"punctuated_word":"difference,","sentiment":"neutral","sentiment_score":0.1725330799818039},{"word":"when","start":765.255,"end":765.41504,"confidence":0.999511,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.20632565021514893},{"word":"you","start":765.41504,"end":765.575,"confidence":0.99995446,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20914997160434723},{"word":"include","start":765.575,"end":766.055,"confidence":0.99990904,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.23274090886116028},{"word":"everything","start":766.055,"end":766.555,"confidence":0.8786788,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.17831042408943176},{"word":"including","start":766.935,"end":767.435,"confidence":0.9569454,"punctuated_word":"including,","sentiment":"neutral","sentiment_score":0.18675974011421204},{"word":"like","start":767.495,"end":767.655,"confidence":0.9979561,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1721440553665161},{"word":"you","start":767.655,"end":767.815,"confidence":0.9351627,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13485115766525269},{"word":"know","start":767.815,"end":768.055,"confidence":0.9933789,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1556726098060608},{"word":"contributions","start":768.055,"end":768.555,"confidence":0.97604674,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.16496917605400083},{"word":"investment","start":768.775,"end":769.255,"confidence":0.9975139,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.11720292270183565},{"word":"fees","start":769.255,"end":769.575,"confidence":0.9920336,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.15871688723564148},{"word":"adviser","start":769.575,"end":769.97504,"confidence":0.6631862,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.1437637060880661},{"word":"fees","start":769.97504,"end":770.29504,"confidence":0.9980165,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.1467382162809372},{"word":"as","start":770.29504,"end":770.455,"confidence":0.99448496,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17338120937347412},{"word":"well","start":770.455,"end":770.79,"confidence":0.9792055,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.12119458615779875},{"word":"it'll","start":771.02997,"end":771.14996,"confidence":0.96575284,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.2385404109954834},{"word":"be","start":771.14996,"end":771.26996,"confidence":0.99978966,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.25124436616897583},{"word":"around","start":771.26996,"end":771.58997,"confidence":0.9997242,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.2862814962863922},{"word":"$770","start":771.58997,"end":772.55,"confidence":0.96577775,"punctuated_word":"$770","sentiment":"neutral","sentiment_score":0.30376046895980835},{"word":"in","start":772.55,"end":772.70996,"confidence":0.9919922,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2777022123336792},{"word":"terms","start":772.70996,"end":772.94995,"confidence":0.9998996,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.2563205361366272},{"word":"of","start":772.94995,"end":773.02997,"confidence":0.9986864,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3624902367591858},{"word":"fees","start":773.02997,"end":773.26996,"confidence":0.9977884,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.22382761538028717},{"word":"you","start":773.26996,"end":773.43,"confidence":0.9909395,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3761947751045227},{"word":"will","start":773.43,"end":773.58997,"confidence":0.60613483,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.3912155330181122},{"word":"be","start":773.58997,"end":773.75,"confidence":0.9995536,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4302068650722504},{"word":"saving","start":773.75,"end":774.25,"confidence":0.7844379,"punctuated_word":"saving.","sentiment":"neutral","sentiment_score":0.09504294395446776},{"word":"that","start":774.31,"end":774.47,"confidence":0.97925687,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.25770246982574463},{"word":"will","start":774.47,"end":774.63,"confidence":0.99895203,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.30670082569122314},{"word":"go","start":774.63,"end":774.87,"confidence":0.999438,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.34241625666618347},{"word":"towards","start":774.87,"end":775.35,"confidence":0.98656094,"punctuated_word":"towards,","sentiment":"neutral","sentiment_score":0.28150975704193115},{"word":"you","start":775.35,"end":775.43,"confidence":0.9998795,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24734967947006223},{"word":"know","start":775.43,"end":775.67,"confidence":0.99981,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.3173246383666992},{"word":"investment","start":775.67,"end":776.14996,"confidence":0.9996018,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.2660939693450928},{"word":"growth","start":776.14996,"end":776.38995,"confidence":0.9970048,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.35450267791748047},{"word":"there","start":776.38995,"end":776.63,"confidence":0.9996618,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.273380845785141},{"word":"as","start":776.63,"end":776.79,"confidence":0.9998938,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2408023327589035},{"word":"well","start":776.79,"end":777.29,"confidence":0.9997667,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1912594735622406},{"word":"fees","start":778.70996,"end":778.94995,"confidence":0.61067295,"punctuated_word":"Fees","sentiment":"neutral","sentiment_score":0.1694992482662201},{"word":"are","start":778.94995,"end":779.02997,"confidence":0.95859784,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1065116971731186},{"word":"obviously","start":779.02997,"end":779.35,"confidence":0.97306144,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.07030913233757019},{"word":"projected","start":779.35,"end":779.85,"confidence":0.99708253,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.07953183352947235},{"word":"to","start":779.99,"end":780.07,"confidence":0.99974483,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07426934689283371},{"word":"be","start":780.07,"end":780.31,"confidence":0.999681,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05612760782241821},{"word":"based","start":780.31,"end":780.70996,"confidence":0.99945587,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.0487988106906414},{"word":"on","start":780.70996,"end":780.94995,"confidence":0.99577606,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.07009844481945038},{"word":"like","start":780.94995,"end":781.19,"confidence":0.99902475,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08561991900205612},{"word":"your","start":781.19,"end":781.43,"confidence":0.9996314,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09044819325208664},{"word":"performance","start":781.43,"end":781.91,"confidence":0.9988809,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.03993063420057297},{"word":"there","start":781.91,"end":782.07,"confidence":0.9500504,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04728208482265472},{"word":"for","start":782.07,"end":782.31,"confidence":0.9987902,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07477380335330963},{"word":"twelve","start":782.31,"end":782.55,"confidence":0.9997775,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.09243497252464294},{"word":"months","start":782.55,"end":782.87,"confidence":0.99968815,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.07323254644870758},{"word":"as","start":782.87,"end":782.94995,"confidence":0.99986255,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10058663785457612},{"word":"well","start":782.94995,"end":783.345,"confidence":0.8726418,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.0788872092962265},{"word":"and","start":783.50494,"end":783.665,"confidence":0.9914587,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03232787922024727},{"word":"it's","start":783.665,"end":783.82495,"confidence":0.8180407,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05643632635474205},{"word":"just","start":783.82495,"end":783.985,"confidence":0.9996873,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.040276579558849335},{"word":"1.65","start":783.985,"end":784.94495,"confidence":0.9238992,"punctuated_word":"1.65","sentiment":"neutral","sentiment_score":0.04829811677336693},{"word":"of","start":784.94495,"end":785.02496,"confidence":0.9656704,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.034435246139764786},{"word":"the","start":785.02496,"end":785.105,"confidence":0.98447835,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04029584303498268},{"word":"balance","start":785.105,"end":785.26495,"confidence":0.984921,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":0.011509813368320463},{"word":"but","start":785.26495,"end":785.345,"confidence":0.89238644,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.0517987497150898},{"word":"obviously","start":785.345,"end":785.665,"confidence":0.9998038,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.07358412444591522},{"word":"if","start":785.665,"end":785.745,"confidence":0.8696944,"punctuated_word":"if,","sentiment":"neutral","sentiment_score":-0.15337616205215454},{"word":"you","start":785.745,"end":785.82495,"confidence":0.9999026,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.249281108379364},{"word":"know","start":785.82495,"end":785.90497,"confidence":0.9989264,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.2397378385066986},{"word":"things","start":785.90497,"end":786.14496,"confidence":0.99634993,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.33112844824790955},{"word":"keep","start":786.14496,"end":786.38495,"confidence":0.9862546,"punctuated_word":"keep","sentiment":"negative","sentiment_score":-0.4214664697647095},{"word":"going","start":786.38495,"end":786.545,"confidence":0.9968534,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.32794684171676636},{"word":"with","start":786.545,"end":786.70496,"confidence":0.9801398,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.36911460757255554},{"word":"the","start":786.70496,"end":786.785,"confidence":0.9786275,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3815300762653351},{"word":"wall","start":786.785,"end":787.02496,"confidence":0.4684084,"punctuated_word":"wall","sentiment":"negative","sentiment_score":-0.4720631539821625},{"word":"and","start":787.02496,"end":787.185,"confidence":0.4100281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.304455429315567},{"word":"i","start":787.185,"end":787.345,"confidence":0.5276699,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2934976816177368},{"word":"run","start":787.345,"end":787.50494,"confidence":0.97305197,"punctuated_word":"run","sentiment":"negative","sentiment_score":-0.3624518513679504},{"word":"thing","start":787.50494,"end":787.745,"confidence":0.8323795,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":-0.22467106580734253},{"word":"it","start":787.745,"end":787.90497,"confidence":0.9993079,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.29692351818084717},{"word":"might","start":787.90497,"end":788.06494,"confidence":0.9998615,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.2575322985649109},{"word":"not","start":788.06494,"end":788.225,"confidence":0.99941933,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.26706191897392273},{"word":"be","start":788.225,"end":788.38495,"confidence":0.9993844,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.3283863663673401},{"word":"as","start":788.38495,"end":788.46497,"confidence":0.9994223,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.29611504077911377},{"word":"high","start":788.46497,"end":788.625,"confidence":0.9976413,"punctuated_word":"high","sentiment":"negative","sentiment_score":-0.35752421617507935},{"word":"as","start":788.625,"end":788.785,"confidence":0.99881953,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.31628698110580444},{"word":"what","start":788.785,"end":788.94495,"confidence":0.99433386,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.28283512592315674},{"word":"projected","start":788.94495,"end":789.44495,"confidence":0.9894656,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":-0.26369261741638184},{"word":"either","start":789.50494,"end":790.00494,"confidence":0.999231,"punctuated_word":"either","sentiment":"neutral","sentiment_score":-0.27556300163269043},{"word":"with","start":790.38495,"end":790.545,"confidence":0.969959,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.26689067482948303},{"word":"what","start":790.545,"end":790.70496,"confidence":0.9997271,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.25401371717453003},{"word":"is","start":790.70496,"end":790.94495,"confidence":0.9995134,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.23718321323394775},{"word":"happening","start":790.94495,"end":791.345,"confidence":0.9074614,"punctuated_word":"happening,","sentiment":"neutral","sentiment_score":-0.1958083212375641},{"word":"if","start":791.345,"end":791.50494,"confidence":0.9812366,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.042115963995456696},{"word":"that","start":791.50494,"end":791.665,"confidence":0.9998803,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02080667763948441},{"word":"all","start":791.665,"end":791.82495,"confidence":0.99196047,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.001710548996925354},{"word":"makes","start":791.82495,"end":792.06494,"confidence":0.8468346,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.050691552460193634},{"word":"sense","start":792.06494,"end":792.56494,"confidence":0.94892514,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.07724060118198395},{"word":"perfect","start":794.06494,"end":794.545,"confidence":0.83476746,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6584362983703613},{"word":"you'll","start":794.545,"end":794.785,"confidence":0.9849343,"punctuated_word":"You'll","sentiment":"positive","sentiment_score":0.494123637676239},{"word":"be","start":794.785,"end":794.865,"confidence":0.9995907,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5823191404342651},{"word":"able","start":794.865,"end":795.105,"confidence":0.9987708,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.5157458186149597},{"word":"to","start":795.105,"end":795.185,"confidence":0.99181634,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4999252855777741},{"word":"see","start":795.185,"end":795.425,"confidence":0.9986083,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.5941267013549805},{"word":"those","start":795.425,"end":795.665,"confidence":0.9998672,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.5514282584190369},{"word":"tables","start":795.665,"end":795.985,"confidence":0.99920577,"punctuated_word":"tables","sentiment":"positive","sentiment_score":0.4893090426921845},{"word":"there","start":795.985,"end":796.225,"confidence":0.99361044,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.44510775804519653},{"word":"on","start":796.225,"end":796.38495,"confidence":0.99875927,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.40205758810043335},{"word":"page","start":796.38495,"end":796.70496,"confidence":0.9991779,"punctuated_word":"page","sentiment":"positive","sentiment_score":0.4116303324699402},{"word":"seventeen","start":796.70496,"end":797.105,"confidence":0.999861,"punctuated_word":"seventeen","sentiment":"positive","sentiment_score":0.5813955068588257},{"word":"and","start":797.105,"end":797.26495,"confidence":0.9996835,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.38272571563720703},{"word":"eighteen","start":797.26495,"end":797.50494,"confidence":0.9994135,"punctuated_word":"eighteen","sentiment":"positive","sentiment_score":0.449673593044281},{"word":"once","start":797.50494,"end":797.745,"confidence":0.862198,"punctuated_word":"once","sentiment":"positive","sentiment_score":0.40678203105926514},{"word":"you","start":797.745,"end":797.82495,"confidence":0.9997391,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4443093240261078},{"word":"get","start":797.82495,"end":797.985,"confidence":0.9995943,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.45460957288742065},{"word":"a","start":797.985,"end":798.06494,"confidence":0.99768174,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4624823033809662},{"word":"sense","start":798.06494,"end":798.305,"confidence":0.98777676,"punctuated_word":"sense","sentiment":"positive","sentiment_score":0.3653483986854553},{"word":"of","start":798.305,"end":798.545,"confidence":0.6431652,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.42907270789146423},{"word":"go","start":798.545,"end":798.70496,"confidence":0.7399358,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.44388312101364136},{"word":"through","start":798.70496,"end":798.865,"confidence":0.999589,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.5696131587028503},{"word":"that","start":798.865,"end":799.32,"confidence":0.993881,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5393141508102417},{"word":"it","start":799.48,"end":799.64,"confidence":0.9613871,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5085349082946777},{"word":"does","start":799.64,"end":799.8,"confidence":0.9812765,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.39323434233665466},{"word":"show","start":799.8,"end":799.96,"confidence":0.9994623,"punctuated_word":"show","sentiment":"positive","sentiment_score":0.3601644039154053},{"word":"you","start":799.96,"end":800.12,"confidence":0.9992872,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4306950271129608},{"word":"some","start":800.12,"end":800.36,"confidence":0.9998692,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.36070942878723145},{"word":"projections","start":800.36,"end":800.76,"confidence":0.9989483,"punctuated_word":"projections","sentiment":"positive","sentiment_score":0.4115535020828247},{"word":"moving","start":800.76,"end":801.0,"confidence":0.99838996,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.40259793400764465},{"word":"forward","start":801.0,"end":801.24,"confidence":0.99988556,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.42305514216423035},{"word":"and","start":801.24,"end":801.4,"confidence":0.9220914,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4039840400218963},{"word":"what","start":801.4,"end":801.56,"confidence":0.9998481,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3684821128845215},{"word":"that","start":801.56,"end":801.72003,"confidence":0.9993579,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2682543396949768},{"word":"might","start":801.72003,"end":801.88,"confidence":0.9997893,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.2203613817691803},{"word":"look","start":801.88,"end":802.12,"confidence":0.99966896,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.3235422372817993},{"word":"like","start":802.12,"end":802.36,"confidence":0.99760026,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.27860569953918457},{"word":"projected","start":802.36,"end":802.76,"confidence":0.97492796,"punctuated_word":"projected","sentiment":"positive","sentiment_score":0.3945932984352112},{"word":"out","start":802.76,"end":803.0,"confidence":0.9984518,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.39596161246299744},{"word":"based","start":803.0,"end":803.24,"confidence":0.999033,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.2731176018714905},{"word":"on","start":803.24,"end":803.32,"confidence":0.9998258,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.24749085307121277},{"word":"the","start":803.32,"end":803.48,"confidence":0.99905735,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28015783429145813},{"word":"previous","start":803.48,"end":803.88,"confidence":0.99972624,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":0.3021067678928375},{"word":"performance","start":803.88,"end":804.2,"confidence":0.9028624,"punctuated_word":"performance,","sentiment":"neutral","sentiment_score":0.24823227524757385},{"word":"but","start":804.2,"end":804.36,"confidence":0.9990796,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.09436875581741332},{"word":"it's","start":804.36,"end":804.60004,"confidence":0.9997635,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.042238276451826096},{"word":"important","start":804.60004,"end":804.92,"confidence":0.99987805,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.04871158301830292},{"word":"to","start":804.92,"end":805.08,"confidence":0.99913543,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008834205567836761},{"word":"note","start":805.08,"end":805.24,"confidence":0.9006735,"punctuated_word":"note","sentiment":"neutral","sentiment_score":-0.03847024589776993},{"word":"that","start":805.24,"end":805.48,"confidence":0.9985714,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08715894818305969},{"word":"past","start":805.48,"end":805.72003,"confidence":0.99535924,"punctuated_word":"past","sentiment":"neutral","sentiment_score":-0.23368045687675476},{"word":"performance","start":805.72003,"end":806.12,"confidence":0.9984944,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":-0.22879430651664737},{"word":"isn't","start":806.12,"end":806.36,"confidence":0.84822583,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.23547875881195068},{"word":"indicative","start":806.36,"end":806.84,"confidence":0.9994487,"punctuated_word":"indicative","sentiment":"neutral","sentiment_score":-0.2511191666126251},{"word":"of","start":806.84,"end":806.92,"confidence":0.9975101,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14855174720287323},{"word":"future","start":806.92,"end":807.24,"confidence":0.98608047,"punctuated_word":"future","sentiment":"neutral","sentiment_score":-0.14956235885620117},{"word":"performance","start":807.24,"end":807.72003,"confidence":0.97827005,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":-0.13743361830711365},{"word":"there","start":807.72003,"end":808.22003,"confidence":0.9562327,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.07242739200592041},{"word":"as","start":809.48,"end":809.64,"confidence":0.9734326,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.09034585952758788},{"word":"far","start":809.64,"end":809.88,"confidence":0.9999045,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.0596364289522171},{"word":"as","start":809.88,"end":809.96,"confidence":0.999496,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06154686585068703},{"word":"the","start":809.96,"end":810.12,"confidence":0.9783357,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07428736239671707},{"word":"contribution","start":810.12,"end":810.62,"confidence":0.99937516,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.10689699649810792},{"word":"goes","start":810.68,"end":811.0,"confidence":0.9980915,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.08683827519416809},{"word":"there","start":811.0,"end":811.24,"confidence":0.86958957,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.0917762964963913},{"word":"niamh","start":811.24,"end":811.74,"confidence":0.7736353,"punctuated_word":"Niamh,","sentiment":"neutral","sentiment_score":0.20177972316741943},{"word":"recommend","start":812.39496,"end":812.71497,"confidence":0.9795985,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":0.1872025430202484},{"word":"that","start":812.71497,"end":812.95496,"confidence":0.99986243,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10655416548252106},{"word":"you","start":812.95496,"end":813.115,"confidence":0.99967885,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12822505831718445},{"word":"do","start":813.115,"end":813.355,"confidence":0.9996315,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1325036883354187},{"word":"a","start":813.355,"end":813.435,"confidence":0.998762,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11922157555818558},{"word":"lump","start":813.435,"end":813.595,"confidence":0.85213184,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.14095187187194824},{"word":"sum","start":813.595,"end":813.83496,"confidence":0.99431133,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.14237704873085022},{"word":"contribution","start":813.83496,"end":814.235,"confidence":0.9995735,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.13128872215747833},{"word":"of","start":814.235,"end":814.39496,"confidence":0.9994935,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09253260493278503},{"word":"a","start":814.39496,"end":814.475,"confidence":0.98358315,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10078470408916472},{"word":"thousand","start":814.475,"end":814.795,"confidence":0.99694014,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.08958196640014648},{"word":"dollars","start":814.795,"end":814.95496,"confidence":0.96972287,"punctuated_word":"dollars.","sentiment":"neutral","sentiment_score":0.1062404364347458},{"word":"now","start":814.95496,"end":815.195,"confidence":0.9543605,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.14345619082450867},{"word":"you","start":815.195,"end":815.355,"confidence":0.9978308,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.168107271194458},{"word":"can","start":815.355,"end":815.675,"confidence":0.99988496,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17471148073673248},{"word":"break","start":815.675,"end":815.915,"confidence":0.9987214,"punctuated_word":"break","sentiment":"neutral","sentiment_score":0.21152469515800476},{"word":"that","start":815.915,"end":816.15497,"confidence":0.99983656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18989816308021543},{"word":"up","start":816.15497,"end":816.635,"confidence":0.9993567,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1419886350631714},{"word":"into","start":816.635,"end":816.95496,"confidence":0.96959215,"punctuated_word":"into,","sentiment":"neutral","sentiment_score":0.13347123563289642},{"word":"like","start":816.95496,"end":817.195,"confidence":0.9988495,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11249527335166933},{"word":"you","start":817.195,"end":817.27496,"confidence":0.99740005,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07402321696281433},{"word":"know","start":817.27496,"end":817.515,"confidence":0.9995908,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.06144377589225769},{"word":"$50","start":817.515,"end":818.075,"confidence":0.99093467,"punctuated_word":"$50","sentiment":"neutral","sentiment_score":0.1399531066417694},{"word":"a","start":818.075,"end":818.15497,"confidence":0.9992812,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09702523052692412},{"word":"week","start":818.15497,"end":818.39496,"confidence":0.99997056,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.07556475698947906},{"word":"over","start":818.39496,"end":818.555,"confidence":0.9991048,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.12421165406703948},{"word":"the","start":818.555,"end":818.71497,"confidence":0.9997371,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0863511934876442},{"word":"next","start":818.71497,"end":818.875,"confidence":0.99978596,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.062319278717041016},{"word":"sort","start":818.875,"end":819.035,"confidence":0.9908264,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07342462986707687},{"word":"of","start":819.035,"end":819.195,"confidence":0.9373063,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0913441926240921},{"word":"few","start":819.195,"end":819.27496,"confidence":0.98819554,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.09185494482517242},{"word":"months","start":819.27496,"end":819.595,"confidence":0.9998324,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.07717972993850708},{"word":"until","start":819.595,"end":819.83496,"confidence":0.99718994,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.018544621765613556},{"word":"the","start":819.83496,"end":819.995,"confidence":0.9996524,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07900236546993256},{"word":"end","start":819.995,"end":820.15497,"confidence":0.9999168,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.08371936529874802},{"word":"of","start":820.15497,"end":820.235,"confidence":0.9996972,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08968867361545563},{"word":"the","start":820.235,"end":820.39496,"confidence":0.99854654,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12749171257019043},{"word":"financial","start":820.39496,"end":820.795,"confidence":0.99926764,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.0511651337146759},{"word":"year","start":820.795,"end":821.195,"confidence":0.96642244,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.06356470286846161},{"word":"but","start":821.195,"end":821.355,"confidence":0.999027,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08514352142810822},{"word":"if","start":821.355,"end":821.515,"confidence":0.9997745,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08885322511196136},{"word":"you","start":821.515,"end":821.675,"confidence":0.99978405,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09013782441616058},{"word":"were","start":821.675,"end":821.83496,"confidence":0.9982705,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.04124010354280472},{"word":"to","start":821.83496,"end":821.995,"confidence":0.9984743,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06014955788850784},{"word":"contribute","start":821.995,"end":822.495,"confidence":0.9999013,"punctuated_word":"contribute","sentiment":"neutral","sentiment_score":0.023165330290794373},{"word":"the","start":822.635,"end":822.795,"confidence":0.9038844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0723358616232872},{"word":"thousand","start":822.795,"end":823.195,"confidence":0.98969626,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.05672304332256317},{"word":"dollars","start":823.195,"end":823.595,"confidence":0.9992149,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.0643647313117981},{"word":"there","start":823.595,"end":823.83496,"confidence":0.9861223,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05168429017066955},{"word":"as","start":823.83496,"end":824.075,"confidence":0.99695766,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04995713382959366},{"word":"a","start":824.075,"end":824.575,"confidence":0.99023926,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06929107010364532},{"word":"non","start":824.72003,"end":825.04004,"confidence":0.9984421,"punctuated_word":"non","sentiment":"neutral","sentiment_score":0.0348701998591423},{"word":"concessional","start":825.04004,"end":825.54004,"confidence":0.8353559,"punctuated_word":"concessional","sentiment":"neutral","sentiment_score":0.0060471706092357635},{"word":"contribution","start":825.60004,"end":826.10004,"confidence":0.9996339,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":-0.016302913427352905},{"word":"there","start":826.16003,"end":826.32,"confidence":0.96969277,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.07812438160181046},{"word":"you","start":826.32,"end":826.56,"confidence":0.999726,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1011953353881836},{"word":"do","start":826.56,"end":826.72003,"confidence":0.99945754,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08970804512500763},{"word":"get","start":826.72003,"end":826.88,"confidence":0.99889576,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11520648002624512},{"word":"$500","start":826.88,"end":827.60004,"confidence":0.99971974,"punctuated_word":"$500","sentiment":"neutral","sentiment_score":0.1020336002111435},{"word":"for","start":827.60004,"end":827.76,"confidence":0.9977914,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06000874191522598},{"word":"the","start":827.76,"end":827.92004,"confidence":0.99937254,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10516366362571716},{"word":"government","start":827.92004,"end":828.24,"confidence":0.996223,"punctuated_word":"government.","sentiment":"neutral","sentiment_score":0.15138399600982666},{"word":"so","start":828.24,"end":828.4,"confidence":0.99974865,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16751234233379364},{"word":"that","start":828.4,"end":828.56,"confidence":0.99938107,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1937216520309448},{"word":"means","start":828.56,"end":829.06,"confidence":0.99978274,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.1471991240978241},{"word":"given","start":829.12,"end":829.36,"confidence":0.83213294,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.17669795453548431},{"word":"that","start":829.36,"end":829.52,"confidence":0.9995085,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12111598253250122},{"word":"you","start":829.52,"end":829.68,"confidence":0.99984586,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19354040920734408},{"word":"aren't","start":829.68,"end":830.0,"confidence":0.99703604,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":0.051123011857271194},{"word":"working","start":830.0,"end":830.4,"confidence":0.99961686,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.11025740206241608},{"word":"as","start":830.4,"end":830.64,"confidence":0.999754,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.016302332282066345},{"word":"much","start":830.64,"end":831.14,"confidence":0.9998565,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.03337521851062775},{"word":"and","start":831.28,"end":831.52,"confidence":0.6293857,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01686239242553711},{"word":"you're","start":831.52,"end":831.68,"confidence":0.9992149,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05157630145549774},{"word":"not","start":831.68,"end":831.84,"confidence":0.9998758,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.015120655298233032},{"word":"sort","start":831.84,"end":832.0,"confidence":0.99553597,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.016356483101844788},{"word":"of","start":832.0,"end":832.16003,"confidence":0.90855074,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.005952134728431702},{"word":"earning","start":832.16003,"end":832.4,"confidence":0.9997527,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":-0.11031880974769592},{"word":"over","start":832.4,"end":832.56,"confidence":0.9996574,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.11611172556877136},{"word":"that","start":832.56,"end":832.72003,"confidence":0.9989379,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01606959104537964},{"word":"40,000","start":832.72003,"end":833.28,"confidence":0.99958724,"punctuated_word":"40,000","sentiment":"neutral","sentiment_score":-0.013633549213409424},{"word":"a","start":833.28,"end":833.36,"confidence":0.997097,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0882793664932251},{"word":"year","start":833.36,"end":833.60004,"confidence":0.9998745,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.03484761714935303},{"word":"currently","start":833.60004,"end":834.10004,"confidence":0.99300325,"punctuated_word":"currently,","sentiment":"neutral","sentiment_score":0.05307970941066742},{"word":"it","start":834.24,"end":834.4,"confidence":0.9491006,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1109069436788559},{"word":"just","start":834.4,"end":834.64,"confidence":0.99944216,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0762302353978157},{"word":"means","start":834.64,"end":835.04004,"confidence":0.99975234,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.06043583154678345},{"word":"that","start":835.04004,"end":835.36,"confidence":0.99927837,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06966479867696762},{"word":"the","start":835.36,"end":835.52,"confidence":0.9989397,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09907925128936768},{"word":"government","start":835.52,"end":835.92004,"confidence":0.9998503,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.23226189613342285},{"word":"will","start":835.92004,"end":836.08,"confidence":0.9980336,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07713572680950165},{"word":"co","start":836.08,"end":836.32,"confidence":0.8533228,"punctuated_word":"co","sentiment":"neutral","sentiment_score":0.1367875039577484},{"word":"contribute","start":836.32,"end":836.745,"confidence":0.9021648,"punctuated_word":"contribute","sentiment":"neutral","sentiment_score":0.049102067947387695},{"word":"under","start":836.90497,"end":837.225,"confidence":0.9903655,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.1454811692237854},{"word":"up","start":837.225,"end":837.46497,"confidence":0.63911605,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.10847532749176024},{"word":"to","start":837.46497,"end":837.705,"confidence":0.9753807,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07488497346639633},{"word":"$500","start":837.705,"end":838.765,"confidence":0.99938774,"punctuated_word":"$500","sentiment":"neutral","sentiment_score":0.15749973058700562},{"word":"because","start":838.825,"end":839.225,"confidence":0.5959617,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1771395057439804},{"word":"of","start":839.225,"end":839.385,"confidence":0.9964283,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18436653912067413},{"word":"the","start":839.385,"end":839.705,"confidence":0.99926203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2056957483291626},{"word":"the","start":839.705,"end":839.865,"confidence":0.89309156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2173158824443817},{"word":"thousand","start":839.865,"end":840.185,"confidence":0.99767643,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.18132519721984863},{"word":"you","start":840.185,"end":840.345,"confidence":0.9900085,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20562037825584412},{"word":"have","start":840.345,"end":840.505,"confidence":0.9993007,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17695008218288422},{"word":"put","start":840.505,"end":840.665,"confidence":0.9991742,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.17904934287071228},{"word":"in","start":840.665,"end":840.745,"confidence":0.99954295,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13041667640209198},{"word":"there","start":840.745,"end":840.90497,"confidence":0.88122,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.15500059723854065},{"word":"they'll","start":840.90497,"end":841.145,"confidence":0.99144435,"punctuated_word":"They'll","sentiment":"neutral","sentiment_score":0.2506123483181},{"word":"match","start":841.145,"end":841.46497,"confidence":0.99899,"punctuated_word":"match","sentiment":"neutral","sentiment_score":0.27189400792121887},{"word":"50%","start":841.46497,"end":841.945,"confidence":0.9991024,"punctuated_word":"50%","sentiment":"positive","sentiment_score":0.414853572845459},{"word":"of","start":841.945,"end":842.025,"confidence":0.99969554,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3624417185783386},{"word":"that","start":842.025,"end":842.525,"confidence":0.9256692,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.3871247768402099},{"word":"which","start":842.745,"end":842.90497,"confidence":0.99302435,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.41275501251220703},{"word":"means","start":842.90497,"end":843.145,"confidence":0.9975937,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.3943660259246826},{"word":"you","start":843.145,"end":843.225,"confidence":0.9754497,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4916830658912658},{"word":"get","start":843.225,"end":843.305,"confidence":0.9880663,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4983656406402588},{"word":"a","start":843.305,"end":843.385,"confidence":0.99832004,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.453785628080368},{"word":"little","start":843.385,"end":843.545,"confidence":0.99991834,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.4016269445419311},{"word":"bit","start":843.545,"end":843.705,"confidence":0.9998191,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.43611928820610046},{"word":"of","start":843.705,"end":843.865,"confidence":0.99874216,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.39952316880226135},{"word":"free","start":843.865,"end":844.105,"confidence":0.99969757,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.3324236273765564},{"word":"money","start":844.105,"end":844.265,"confidence":0.9999399,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.4136607050895691},{"word":"there","start":844.265,"end":844.505,"confidence":0.9998385,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.38221997022628784},{"word":"as","start":844.505,"end":844.665,"confidence":0.9999144,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3170795440673828},{"word":"well","start":844.665,"end":845.165,"confidence":0.9997964,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.195446252822876},{"word":"now","start":845.225,"end":845.725,"confidence":0.99898154,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.052688173949718475},{"word":"given","start":845.945,"end":846.185,"confidence":0.6529731,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.14416298270225525},{"word":"if","start":846.185,"end":846.345,"confidence":0.9963743,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.16646689176559448},{"word":"you","start":846.345,"end":846.505,"confidence":0.9996846,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.20372924208641052},{"word":"were","start":846.505,"end":846.665,"confidence":0.9976394,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.23288291692733765},{"word":"to","start":846.665,"end":846.745,"confidence":0.99897563,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24654564261436465},{"word":"sort","start":846.745,"end":846.985,"confidence":0.98974484,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.24443846940994263},{"word":"of","start":846.985,"end":847.065,"confidence":0.8881484,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.23715150356292725},{"word":"start","start":847.065,"end":847.305,"confidence":0.99940443,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.2543082535266876},{"word":"working","start":847.305,"end":847.625,"confidence":0.9995352,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.18518531322479248},{"word":"and","start":847.625,"end":847.865,"confidence":0.87508136,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1992047131061554},{"word":"contributing","start":847.865,"end":848.365,"confidence":0.9996043,"punctuated_word":"contributing","sentiment":"neutral","sentiment_score":-0.1943557858467102},{"word":"more","start":848.825,"end":849.145,"confidence":0.9994677,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.17234086990356445},{"word":"again","start":849.145,"end":849.46497,"confidence":0.9988944,"punctuated_word":"again","sentiment":"neutral","sentiment_score":-0.18729789555072784},{"word":"or","start":849.46497,"end":849.785,"confidence":0.94015676,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":-0.2065364420413971},{"word":"you","start":849.785,"end":849.865,"confidence":0.99982774,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1953626275062561},{"word":"know","start":849.865,"end":850.185,"confidence":0.9996524,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.25146904587745667},{"word":"earning","start":850.185,"end":850.425,"confidence":0.99966085,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":-0.31463122367858887},{"word":"an","start":850.425,"end":850.585,"confidence":0.9920969,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.3632044792175293},{"word":"income","start":850.585,"end":850.985,"confidence":0.9989772,"punctuated_word":"income","sentiment":"negative","sentiment_score":-0.3956046998500824},{"word":"and","start":850.985,"end":851.28,"confidence":0.9952186,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2778894305229187},{"word":"sort","start":851.36005,"end":851.52,"confidence":0.99977773,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.3283168375492096},{"word":"of","start":851.52,"end":851.76,"confidence":0.99949443,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3036128282546997},{"word":"exceed","start":851.76,"end":852.08,"confidence":0.998083,"punctuated_word":"exceed","sentiment":"negative","sentiment_score":-0.36358851194381714},{"word":"those","start":852.08,"end":852.32,"confidence":0.99965525,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.26910316944122314},{"word":"limitations","start":852.32,"end":852.82,"confidence":0.9989023,"punctuated_word":"limitations","sentiment":"neutral","sentiment_score":-0.23413339257240295},{"word":"with","start":853.04004,"end":853.28,"confidence":0.99956995,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.3311021029949188},{"word":"the","start":853.28,"end":853.44,"confidence":0.9997737,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3220617473125458},{"word":"co","start":853.44,"end":853.76,"confidence":0.89514136,"punctuated_word":"co","sentiment":"neutral","sentiment_score":-0.23057019710540771},{"word":"contribution","start":853.76,"end":854.24005,"confidence":0.97084934,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":-0.16644826531410217},{"word":"scheme","start":854.24005,"end":854.74005,"confidence":0.9254912,"punctuated_word":"scheme,","sentiment":"neutral","sentiment_score":-0.24392962455749512},{"word":"it","start":855.28,"end":855.44,"confidence":0.99645966,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.395715594291687},{"word":"may","start":855.44,"end":855.60004,"confidence":0.99934894,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.31329983472824097},{"word":"mean","start":855.60004,"end":855.84,"confidence":0.9998337,"punctuated_word":"mean","sentiment":"negative","sentiment_score":-0.3513481020927429},{"word":"you're","start":855.84,"end":856.0,"confidence":0.99938846,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.3529181480407715},{"word":"not","start":856.0,"end":856.16003,"confidence":0.99928373,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.41335955262184143},{"word":"entitled","start":856.16003,"end":856.64,"confidence":0.99879634,"punctuated_word":"entitled","sentiment":"negative","sentiment_score":-0.35620325803756714},{"word":"to","start":856.64,"end":856.80005,"confidence":0.99936813,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.33058518171310425},{"word":"that","start":856.80005,"end":856.96,"confidence":0.9995702,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.30726099014282227},{"word":"$500","start":856.96,"end":857.94,"confidence":0.9567741,"punctuated_word":"$500.","sentiment":"neutral","sentiment_score":-0.2983751893043518},{"word":"if","start":858.32,"end":858.48004,"confidence":0.7021039,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.3189554810523987},{"word":"you","start":858.48004,"end":858.64,"confidence":0.9516651,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.31416934728622437},{"word":"obviously","start":858.64,"end":858.80005,"confidence":0.48202473,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.2975611388683319},{"word":"things","start":858.96,"end":859.28,"confidence":0.9914141,"punctuated_word":"things","sentiment":"negative","sentiment_score":-0.33345943689346313},{"word":"do","start":859.28,"end":859.68005,"confidence":0.90264416,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.18730907142162323},{"word":"do","start":859.68005,"end":859.92004,"confidence":0.78599334,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.2105678766965866},{"word":"change","start":859.92004,"end":860.16003,"confidence":0.99837446,"punctuated_word":"change","sentiment":"negative","sentiment_score":-0.3539929687976837},{"word":"and","start":860.16003,"end":860.32,"confidence":0.86298865,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.28171566128730774},{"word":"you","start":860.32,"end":860.48004,"confidence":0.99990976,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.27557653188705444},{"word":"are","start":860.48004,"end":860.64,"confidence":0.9890065,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.18389230966567993},{"word":"working","start":860.64,"end":860.96,"confidence":0.9998708,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.14403173327445984},{"word":"again","start":860.96,"end":861.36005,"confidence":0.9987197,"punctuated_word":"again","sentiment":"neutral","sentiment_score":-0.2106940746307373},{"word":"and","start":861.36005,"end":861.86005,"confidence":0.527698,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16405004262924194},{"word":"if","start":862.08,"end":862.24005,"confidence":0.9960932,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2018725723028183},{"word":"you're","start":862.24005,"end":862.64,"confidence":0.9831449,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.1896839588880539},{"word":"earning","start":862.64,"end":863.04004,"confidence":0.99957305,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":-0.22947561740875244},{"word":"over","start":863.04004,"end":863.54004,"confidence":0.9997491,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.3243892788887024},{"word":"that","start":864.705,"end":865.205,"confidence":0.99902,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.21348674595355988},{"word":"sort","start":865.345,"end":865.585,"confidence":0.8670822,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2300523817539215},{"word":"of","start":865.585,"end":865.745,"confidence":0.9119469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19908055663108823},{"word":"cap","start":865.745,"end":865.985,"confidence":0.99425924,"punctuated_word":"cap,","sentiment":"neutral","sentiment_score":-0.17667461931705475},{"word":"it","start":865.985,"end":866.225,"confidence":0.9871126,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2536922097206116},{"word":"will","start":866.225,"end":866.385,"confidence":0.998489,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.24211134016513824},{"word":"reduce","start":866.385,"end":866.785,"confidence":0.99931264,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.1734725534915924},{"word":"it","start":866.785,"end":866.945,"confidence":0.99859804,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2646214962005615},{"word":"and","start":866.945,"end":867.105,"confidence":0.604167,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2575697898864746},{"word":"then","start":867.105,"end":867.265,"confidence":0.9311448,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.17672786116600037},{"word":"sort","start":867.265,"end":867.425,"confidence":0.9801861,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.19775179028511047},{"word":"of","start":867.425,"end":867.505,"confidence":0.961266,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1692361831665039},{"word":"base","start":867.505,"end":867.745,"confidence":0.65001124,"punctuated_word":"base","sentiment":"neutral","sentiment_score":-0.19256532192230225},{"word":"on","start":867.745,"end":867.825,"confidence":0.8160191,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1865222454071045},{"word":"that","start":867.825,"end":867.985,"confidence":0.9728538,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1401003748178482},{"word":"until","start":867.985,"end":868.225,"confidence":0.85715556,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.1719595193862915},{"word":"up","start":868.225,"end":868.385,"confidence":0.9382016,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1672692596912384},{"word":"until","start":868.385,"end":868.625,"confidence":0.9604287,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.14063909649848938},{"word":"the","start":868.625,"end":868.705,"confidence":0.9928623,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12129876762628557},{"word":"point","start":868.705,"end":869.025,"confidence":0.99362516,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.1582329124212265},{"word":"that","start":869.025,"end":869.425,"confidence":0.9886495,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17668727040290833},{"word":"you","start":869.425,"end":869.585,"confidence":0.9981705,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1901131570339203},{"word":"don't","start":869.585,"end":869.825,"confidence":0.99984676,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.16077272593975067},{"word":"get","start":869.825,"end":870.065,"confidence":0.99981886,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.16016550362110138},{"word":"any","start":870.065,"end":870.305,"confidence":0.99964404,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.16541463136672974},{"word":"benefit","start":870.305,"end":870.785,"confidence":0.9972832,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":-0.10078772902488708},{"word":"from","start":870.785,"end":871.025,"confidence":0.99975735,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.09393461048603058},{"word":"it","start":871.025,"end":871.425,"confidence":0.99933195,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.08714456856250763},{"word":"now","start":871.425,"end":871.745,"confidence":0.99912447,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07350567728281021},{"word":"if","start":871.745,"end":871.825,"confidence":0.9753322,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07145887613296509},{"word":"you","start":871.825,"end":871.985,"confidence":0.9999367,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10501150786876678},{"word":"do","start":871.985,"end":872.065,"confidence":0.66233337,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07573755830526352},{"word":"wanna","start":872.065,"end":872.305,"confidence":0.81773776,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.10749512910842896},{"word":"contribute","start":872.305,"end":872.785,"confidence":0.9996824,"punctuated_word":"contribute","sentiment":"neutral","sentiment_score":-0.015213176608085632},{"word":"more","start":872.785,"end":872.945,"confidence":0.9995809,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06200861185789108},{"word":"than","start":872.945,"end":873.105,"confidence":0.99980503,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.07146569341421127},{"word":"that","start":873.105,"end":873.265,"confidence":0.99878,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.12125574052333832},{"word":"you","start":873.265,"end":873.425,"confidence":0.9999151,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19214853644371033},{"word":"obviously","start":873.425,"end":873.745,"confidence":0.9892917,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.22391460835933685},{"word":"can","start":873.745,"end":873.985,"confidence":0.9964978,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15399672091007233},{"word":"as","start":873.985,"end":874.145,"confidence":0.99734986,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11555802822113036},{"word":"well","start":874.145,"end":874.385,"confidence":0.99603534,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.09389053285121918},{"word":"this","start":874.385,"end":874.545,"confidence":0.9992906,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.022999130189418793},{"word":"is","start":874.545,"end":875.025,"confidence":0.99939954,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.023868046700954437},{"word":"through","start":875.025,"end":875.265,"confidence":0.8806962,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.024721086025238037},{"word":"the","start":875.265,"end":875.425,"confidence":0.99912554,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12164068222045898},{"word":"non","start":875.425,"end":875.585,"confidence":0.99787605,"punctuated_word":"non","sentiment":"neutral","sentiment_score":0.07770512253046036},{"word":"concessional","start":875.585,"end":876.085,"confidence":0.926126,"punctuated_word":"concessional","sentiment":"neutral","sentiment_score":0.030973035842180252},{"word":"arrangement","start":876.145,"end":876.625,"confidence":0.8351195,"punctuated_word":"arrangement.","sentiment":"neutral","sentiment_score":0.06933362036943436},{"word":"you","start":876.625,"end":876.705,"confidence":0.99961627,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.0706922858953476},{"word":"would","start":876.705,"end":876.945,"confidence":0.9998369,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10084854811429976},{"word":"be","start":876.945,"end":877.105,"confidence":0.9994815,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09726791083812714},{"word":"contributing","start":877.105,"end":877.605,"confidence":0.99986446,"punctuated_word":"contributing","sentiment":"neutral","sentiment_score":0.08099990338087082},{"word":"to","start":877.665,"end":877.825,"confidence":0.9996799,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1013384759426117},{"word":"the","start":877.825,"end":878.28,"confidence":0.99789494,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12692488729953766},{"word":"nontaxable","start":878.60004,"end":879.10004,"confidence":0.6356661,"punctuated_word":"nontaxable","sentiment":"neutral","sentiment_score":0.09315241128206252},{"word":"portion","start":879.24005,"end":879.48004,"confidence":0.998679,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.08463223278522491},{"word":"of","start":879.48004,"end":879.56006,"confidence":0.9977012,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14728716015815735},{"word":"your","start":879.56006,"end":879.72003,"confidence":0.9958936,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16866053640842438},{"word":"superannuation","start":879.72003,"end":880.22003,"confidence":0.9957349,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":-0.014231494627892973},{"word":"if","start":880.84,"end":881.0,"confidence":0.9990658,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.16777847707271576},{"word":"you","start":881.0,"end":881.5,"confidence":0.99967957,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1406487673521042},{"word":"got","start":881.96,"end":882.28,"confidence":0.7849042,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14421901106834412},{"word":"any","start":882.28,"end":882.68005,"confidence":0.99782723,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0974305346608162},{"word":"income","start":882.68005,"end":883.08,"confidence":0.9990613,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.10967278480529784},{"word":"coming","start":883.08,"end":883.32,"confidence":0.9999318,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.12573352456092834},{"word":"in","start":883.32,"end":883.56006,"confidence":0.9987383,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.11650502681732178},{"word":"you","start":883.56006,"end":883.64,"confidence":0.9999192,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13015513122081757},{"word":"can","start":883.64,"end":883.88,"confidence":0.99969614,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10718640685081482},{"word":"sort","start":883.88,"end":884.12006,"confidence":0.9952618,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1103704273700714},{"word":"of","start":884.12006,"end":884.28,"confidence":0.9995764,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13994085788726807},{"word":"look","start":884.28,"end":884.44,"confidence":0.9992169,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0989612266421318},{"word":"to","start":884.44,"end":884.60004,"confidence":0.9983069,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13576562702655792},{"word":"claim","start":884.60004,"end":884.92004,"confidence":0.99895275,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.13009218871593475},{"word":"that","start":884.92004,"end":885.16003,"confidence":0.9997267,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16340655088424683},{"word":"as","start":885.16003,"end":885.64,"confidence":0.99989855,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1090344563126564},{"word":"a","start":885.64,"end":885.72003,"confidence":0.9202607,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13495367765426636},{"word":"concessional","start":885.72003,"end":886.22003,"confidence":0.9996754,"punctuated_word":"concessional","sentiment":"neutral","sentiment_score":0.11235930025577544},{"word":"and","start":886.52,"end":886.76,"confidence":0.9532295,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09367279708385468},{"word":"convert","start":886.76,"end":887.16003,"confidence":0.99984264,"punctuated_word":"convert","sentiment":"neutral","sentiment_score":0.1048898845911026},{"word":"that","start":887.16003,"end":887.4,"confidence":0.999592,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18175019323825836},{"word":"to","start":887.4,"end":887.56006,"confidence":0.999726,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16345080733299255},{"word":"get","start":887.56006,"end":887.64,"confidence":0.9998006,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.209490105509758},{"word":"the","start":887.64,"end":887.80005,"confidence":0.9992748,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20687776803970337},{"word":"tax","start":887.80005,"end":888.04004,"confidence":0.9995915,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.22260722517967224},{"word":"rebate","start":888.04004,"end":888.44,"confidence":0.9998822,"punctuated_word":"rebate","sentiment":"neutral","sentiment_score":0.2132144272327423},{"word":"then","start":888.44,"end":888.68005,"confidence":0.981307,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.19475549459457395},{"word":"as","start":888.68005,"end":888.76,"confidence":0.99572337,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13252821564674375},{"word":"well","start":888.76,"end":888.92004,"confidence":0.9999306,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.19665777683258057},{"word":"if","start":888.92004,"end":889.0,"confidence":0.93473446,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2039995938539505},{"word":"you","start":889.0,"end":889.16003,"confidence":0.99966264,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2081812024116516},{"word":"do","start":889.16003,"end":889.32,"confidence":0.9998615,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17870424687862396},{"word":"start","start":889.32,"end":889.56006,"confidence":0.9868471,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.16875934600830078},{"word":"full","start":889.56006,"end":889.72003,"confidence":0.99708384,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.22847048938274384},{"word":"time","start":889.72003,"end":889.96,"confidence":0.995053,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2250952571630478},{"word":"employment","start":889.96,"end":890.36005,"confidence":0.9858521,"punctuated_word":"employment","sentiment":"neutral","sentiment_score":0.1511995792388916},{"word":"as","start":890.36005,"end":890.44,"confidence":0.9997639,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22750891745090485},{"word":"well","start":890.44,"end":890.76,"confidence":0.8017317,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.24386468529701233},{"word":"and","start":890.76,"end":890.92004,"confidence":0.998777,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21196305751800537},{"word":"you","start":890.92004,"end":891.08,"confidence":0.9997974,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1866150051355362},{"word":"don't","start":891.08,"end":891.24005,"confidence":0.99996394,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.15340155363082886},{"word":"think","start":891.24005,"end":891.48004,"confidence":0.9998807,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1325097680091858},{"word":"you're","start":891.48004,"end":891.72003,"confidence":0.99835575,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.19547542929649353},{"word":"gonna","start":891.72003,"end":891.96,"confidence":0.96318287,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1443493515253067},{"word":"get","start":891.96,"end":892.12006,"confidence":0.9981604,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.13269385695457458},{"word":"any","start":892.12006,"end":892.36005,"confidence":0.99983585,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.17512741684913635},{"word":"of","start":892.36005,"end":892.60004,"confidence":0.9998167,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2278677374124527},{"word":"the","start":892.60004,"end":892.84,"confidence":0.99979335,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.255862832069397},{"word":"the","start":892.84,"end":893.0,"confidence":0.96476793,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2460646629333496},{"word":"funds","start":893.0,"end":893.4,"confidence":0.99963236,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.20907552540302277},{"word":"for","start":893.4,"end":893.64,"confidence":0.999485,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2422284036874771},{"word":"that","start":893.64,"end":894.045,"confidence":0.994924,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.21647541224956512},{"word":"but","start":894.76495,"end":894.925,"confidence":0.97369194,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.27199167013168335},{"word":"in","start":894.925,"end":895.005,"confidence":0.97766507,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.35669293999671936},{"word":"the","start":895.005,"end":895.165,"confidence":0.99982315,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34721240401268005},{"word":"meantime","start":895.165,"end":895.485,"confidence":0.9979645,"punctuated_word":"meantime,","sentiment":"positive","sentiment_score":0.4202008843421936},{"word":"it'll","start":895.485,"end":895.64496,"confidence":0.89286274,"punctuated_word":"it'll","sentiment":"positive","sentiment_score":0.6050808429718018},{"word":"help","start":895.64496,"end":895.805,"confidence":0.9963432,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.7318257093429565},{"word":"boost","start":895.805,"end":896.045,"confidence":0.89187825,"punctuated_word":"boost","sentiment":"positive","sentiment_score":0.7681540250778198},{"word":"your","start":896.045,"end":896.20496,"confidence":0.9326029,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8282566666603088},{"word":"super","start":896.20496,"end":896.52496,"confidence":0.9680984,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.778160035610199},{"word":"we","start":896.52496,"end":896.605,"confidence":0.99890053,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.5526596903800964},{"word":"can","start":896.605,"end":896.76495,"confidence":0.9998568,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5395218133926392},{"word":"give","start":896.76495,"end":896.925,"confidence":0.99994636,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.5775614380836487},{"word":"you","start":896.925,"end":897.08496,"confidence":0.99911183,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5525513887405396},{"word":"your","start":897.08496,"end":897.58496,"confidence":0.9946795,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4964048266410827},{"word":"account","start":897.64496,"end":898.045,"confidence":0.99982303,"punctuated_word":"account","sentiment":"positive","sentiment_score":0.42829740047454834},{"word":"details","start":898.045,"end":898.52496,"confidence":0.9999554,"punctuated_word":"details","sentiment":"positive","sentiment_score":0.47692325711250305},{"word":"for","start":898.52496,"end":898.685,"confidence":0.9994667,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4985993206501007},{"word":"that","start":898.685,"end":899.185,"confidence":0.9507759,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.3871780335903168},{"word":"and","start":899.245,"end":899.485,"confidence":0.94741076,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3947978615760803},{"word":"you'll","start":899.485,"end":899.725,"confidence":0.93422604,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.43818092346191406},{"word":"be","start":899.725,"end":899.805,"confidence":0.9997192,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.492414116859436},{"word":"able","start":899.805,"end":900.045,"confidence":0.999881,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.45702314376831055},{"word":"to","start":900.045,"end":900.20496,"confidence":0.9989071,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4710250794887543},{"word":"contribute","start":900.20496,"end":900.70496,"confidence":0.9999186,"punctuated_word":"contribute","sentiment":"positive","sentiment_score":0.41419315338134766},{"word":"as","start":901.565,"end":901.805,"confidence":0.9585037,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.448713481426239},{"word":"you","start":901.805,"end":901.96497,"confidence":0.99947125,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4671666622161865},{"word":"sort","start":901.96497,"end":902.20496,"confidence":0.9988865,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.45534488558769226},{"word":"of","start":902.20496,"end":902.285,"confidence":0.917685,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.49510401487350464},{"word":"wish","start":902.285,"end":902.785,"confidence":0.9995579,"punctuated_word":"wish","sentiment":"positive","sentiment_score":0.42398640513420105},{"word":"over","start":902.925,"end":903.165,"confidence":0.9906068,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4117300808429718},{"word":"that","start":903.165,"end":903.325,"confidence":0.9993625,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.40311506390571594},{"word":"time","start":903.325,"end":903.565,"confidence":0.98185873,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.3868583142757416},{"word":"frame","start":903.565,"end":903.805,"confidence":0.8265349,"punctuated_word":"frame.","sentiment":"neutral","sentiment_score":0.306000679731369},{"word":"but","start":903.805,"end":903.96497,"confidence":0.99969244,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.14938612282276154},{"word":"it's","start":903.96497,"end":904.125,"confidence":0.9998343,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09465456008911131},{"word":"important","start":904.125,"end":904.445,"confidence":0.9999323,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.016618072986602783},{"word":"to","start":904.445,"end":904.605,"confidence":0.99891067,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05606938153505325},{"word":"note","start":904.605,"end":904.76495,"confidence":0.944932,"punctuated_word":"note,","sentiment":"neutral","sentiment_score":0.02538449689745903},{"word":"like","start":904.76495,"end":905.005,"confidence":0.9982462,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08181264996528625},{"word":"when","start":905.005,"end":905.245,"confidence":0.9999291,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.06826666742563248},{"word":"the","start":905.245,"end":905.64496,"confidence":0.9998259,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04234311729669571},{"word":"the","start":905.64496,"end":905.805,"confidence":0.96529484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029086090624332428},{"word":"financial","start":905.805,"end":906.285,"confidence":0.99738044,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.0025871172547340393},{"word":"year","start":906.285,"end":906.445,"confidence":0.93978494,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.017369307577610016},{"word":"is","start":906.445,"end":906.52496,"confidence":0.89982647,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.027941539883613583},{"word":"up","start":906.52496,"end":906.685,"confidence":0.99961483,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.05307538062334061},{"word":"and","start":906.685,"end":906.925,"confidence":0.9860188,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.057782918214797974},{"word":"to","start":906.925,"end":907.08496,"confidence":0.9996296,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07983653992414474},{"word":"hit","start":907.08496,"end":907.245,"confidence":0.99983525,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.11430590599775314},{"word":"that","start":907.245,"end":907.485,"confidence":0.9997378,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11458007991313934},{"word":"that","start":907.485,"end":907.725,"confidence":0.9488953,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12282545119524002},{"word":"thousand","start":907.725,"end":908.125,"confidence":0.99593097,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.10637767612934113},{"word":"dollars","start":908.125,"end":908.445,"confidence":0.85295475,"punctuated_word":"dollars,","sentiment":"neutral","sentiment_score":0.09201321750879288},{"word":"if","start":908.445,"end":908.605,"confidence":0.9985837,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12396737933158876},{"word":"that","start":908.605,"end":908.76495,"confidence":0.9999367,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10782532393932344},{"word":"makes","start":908.76495,"end":909.005,"confidence":0.93806934,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.04293102025985718},{"word":"sense","start":909.005,"end":909.48,"confidence":0.9726682,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.054299887269735336},{"word":"perfect","start":912.12,"end":912.51996,"confidence":0.98973227,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5712258815765381},{"word":"do","start":912.51996,"end":912.68,"confidence":0.999469,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.2870485186576843},{"word":"you","start":912.68,"end":912.76,"confidence":0.99967957,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29407715797424316},{"word":"have","start":912.76,"end":912.83997,"confidence":0.9991008,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23415598273277283},{"word":"any","start":912.83997,"end":913.0,"confidence":0.99953556,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2334682196378708},{"word":"questions","start":913.0,"end":913.32,"confidence":0.99943656,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.20625782012939453},{"word":"in","start":913.32,"end":913.48,"confidence":0.99973696,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20906250178813937},{"word":"regards","start":913.48,"end":913.8,"confidence":0.99771947,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.11263956129550934},{"word":"to","start":913.8,"end":913.88,"confidence":0.9872054,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18505510687828064},{"word":"that","start":913.88,"end":914.04,"confidence":0.9999192,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3080359697341919},{"word":"at","start":914.04,"end":914.12,"confidence":0.9995196,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.24262599647045135},{"word":"all","start":914.12,"end":914.62,"confidence":0.9996935,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.23456162214279175},{"word":"yep","start":916.92,"end":917.42,"confidence":0.8137671,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18095481395721436},{"word":"perfect","start":917.56,"end":918.06,"confidence":0.9911126,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.41815006732940674},{"word":"so","start":918.44,"end":918.76,"confidence":0.83140194,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.1646905243396759},{"word":"yeah","start":918.76,"end":919.07996,"confidence":0.9926793,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1843690276145935},{"word":"once","start":919.07996,"end":919.39996,"confidence":0.9993839,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.169590026140213},{"word":"you","start":919.39996,"end":919.56,"confidence":0.99951446,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13427069783210754},{"word":"get","start":919.56,"end":919.72,"confidence":0.9998951,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06619720160961151},{"word":"to","start":919.72,"end":919.88,"confidence":0.9757701,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.07052887976169586},{"word":"you","start":919.88,"end":920.12,"confidence":0.99951196,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08759915828704834},{"word":"know","start":920.12,"end":920.27997,"confidence":0.9998996,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07439598441123962},{"word":"the","start":920.27997,"end":920.51996,"confidence":0.9957912,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07342155277729034},{"word":"june","start":920.51996,"end":921.19995,"confidence":0.990444,"punctuated_word":"June","sentiment":"neutral","sentiment_score":0.04882633686065674},{"word":"30","start":921.19995,"end":921.88,"confidence":0.990444,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.0505073145031929},{"word":"there","start":921.88,"end":922.19995,"confidence":0.97342324,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06036602705717087},{"word":"or","start":922.19995,"end":922.51996,"confidence":0.7410608,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":0.032699208706617355},{"word":"like","start":922.51996,"end":922.76,"confidence":0.9885541,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05571739003062248},{"word":"you","start":922.76,"end":922.92,"confidence":0.9510248,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0384267121553421},{"word":"know","start":922.92,"end":923.07996,"confidence":0.99814093,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05942648276686669},{"word":"first","start":923.07996,"end":923.32,"confidence":0.99091023,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.0510074570775032},{"word":"slide","start":923.32,"end":923.63995,"confidence":0.86840284,"punctuated_word":"slide,","sentiment":"neutral","sentiment_score":0.0744319036602974},{"word":"june","start":923.63995,"end":924.21497,"confidence":0.9200503,"punctuated_word":"June","sentiment":"neutral","sentiment_score":0.038754332810640335},{"word":"30","start":924.21497,"end":924.79,"confidence":0.9200503,"punctuated_word":"30,","sentiment":"neutral","sentiment_score":0.068122498691082},{"word":"that's","start":925.35504,"end":925.755,"confidence":0.96559715,"punctuated_word":"that's,","sentiment":"neutral","sentiment_score":0.04410485923290253},{"word":"like","start":925.755,"end":925.995,"confidence":0.99924815,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03018761426210403},{"word":"where","start":925.995,"end":926.23505,"confidence":0.89907414,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.015705980360507965},{"word":"you","start":926.23505,"end":926.395,"confidence":0.9989478,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04236700385808945},{"word":"cut","start":926.395,"end":926.635,"confidence":0.98880893,"punctuated_word":"cut","sentiment":"neutral","sentiment_score":0.02151955664157867},{"word":"off","start":926.635,"end":926.79504,"confidence":0.9990891,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.03643646091222763},{"word":"for","start":926.79504,"end":926.955,"confidence":0.70560986,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08153199404478073},{"word":"that","start":926.955,"end":927.435,"confidence":0.99780864,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10470621287822723},{"word":"to","start":927.435,"end":927.59503,"confidence":0.9133658,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0844271332025528},{"word":"make","start":927.59503,"end":927.755,"confidence":0.999913,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.04730284959077835},{"word":"those","start":927.755,"end":927.995,"confidence":0.9996829,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.12450472265481947},{"word":"contributions","start":927.995,"end":928.495,"confidence":0.9731886,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.01634478196501732},{"word":"and","start":928.955,"end":929.195,"confidence":0.9987778,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06201516091823578},{"word":"just","start":929.195,"end":929.435,"confidence":0.99952996,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08419013768434525},{"word":"confirming","start":929.435,"end":929.91504,"confidence":0.9997143,"punctuated_word":"confirming","sentiment":"neutral","sentiment_score":0.08470651507377625},{"word":"to","start":929.91504,"end":930.23505,"confidence":0.64531934,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0571708045899868},{"word":"then","start":930.315,"end":930.815,"confidence":0.91068053,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11966558545827866},{"word":"through","start":930.955,"end":931.195,"confidence":0.94184875,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08019398897886276},{"word":"your","start":931.195,"end":931.35504,"confidence":0.9933077,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10197871178388596},{"word":"previous","start":931.35504,"end":931.67505,"confidence":0.998762,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":0.09894932806491852},{"word":"employment","start":931.67505,"end":931.995,"confidence":0.4764382,"punctuated_word":"employment","sentiment":"neutral","sentiment_score":0.1024453341960907},{"word":"before","start":931.995,"end":932.23505,"confidence":0.85954076,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.0598883256316185},{"word":"you","start":932.23505,"end":932.315,"confidence":0.8879792,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0058013275265693665},{"word":"were","start":932.315,"end":932.395,"confidence":0.24833463,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.0023263469338417053},{"word":"made","start":932.395,"end":932.635,"confidence":0.80195683,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.017741963267326355},{"word":"redundant","start":932.635,"end":933.11505,"confidence":0.9912343,"punctuated_word":"redundant,","sentiment":"neutral","sentiment_score":0.013029418885707855},{"word":"you","start":933.11505,"end":933.195,"confidence":0.9903532,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00138082355260849},{"word":"sort","start":933.195,"end":933.35504,"confidence":0.5810305,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.01910489052534103},{"word":"of","start":933.35504,"end":933.435,"confidence":0.9964334,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0004369467496871948},{"word":"in","start":933.435,"end":933.59503,"confidence":0.52217966,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03399091958999634},{"word":"the","start":933.59503,"end":933.755,"confidence":0.9989222,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03648349642753601},{"word":"financial","start":933.755,"end":934.23505,"confidence":0.9992945,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.03947729617357254},{"word":"year","start":934.23505,"end":934.395,"confidence":0.9571164,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.022676244378089905},{"word":"you","start":934.395,"end":934.55505,"confidence":0.99972564,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04229950159788132},{"word":"wouldn't","start":934.55505,"end":934.79504,"confidence":0.9999246,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.06993594765663147},{"word":"be","start":934.79504,"end":935.03503,"confidence":0.999703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06695466488599777},{"word":"over","start":935.03503,"end":935.35504,"confidence":0.9998053,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.14679837226867676},{"word":"that","start":935.35504,"end":935.85504,"confidence":0.99957436,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06193392723798752},{"word":"that","start":936.55505,"end":936.875,"confidence":0.9795019,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06260648369789124},{"word":"limit","start":936.875,"end":937.195,"confidence":0.99953985,"punctuated_word":"limit","sentiment":"neutral","sentiment_score":-0.06421254575252533},{"word":"there","start":937.195,"end":937.68,"confidence":0.8574103,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":-0.04426788911223411},{"word":"yep","start":939.83997,"end":940.16,"confidence":0.96566105,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03965608403086662},{"word":"okay","start":940.16,"end":940.56,"confidence":0.9991591,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.19698086380958557},{"word":"perfect","start":940.56,"end":941.06,"confidence":0.96252054,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4039820730686188},{"word":"yeah","start":941.52,"end":941.76,"confidence":0.91987026,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2574673295021057},{"word":"so","start":941.76,"end":942.0,"confidence":0.9990422,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22113049030303955},{"word":"from","start":942.0,"end":942.24,"confidence":0.99645317,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.21344605088233948},{"word":"that","start":942.24,"end":942.48,"confidence":0.9918261,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1998097002506256},{"word":"you","start":942.48,"end":942.56,"confidence":0.9995932,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.259202241897583},{"word":"should","start":942.56,"end":942.8,"confidence":0.99998057,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.2727660834789276},{"word":"be","start":942.8,"end":942.96,"confidence":0.99969184,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.22392703592777252},{"word":"eligible","start":942.96,"end":943.44,"confidence":0.9999467,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.25388312339782715},{"word":"for","start":943.44,"end":943.6,"confidence":0.9998375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.26600492000579834},{"word":"that","start":943.6,"end":943.92,"confidence":0.98800397,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2103930711746216},{"word":"that","start":943.92,"end":944.08,"confidence":0.7346331,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1996461451053619},{"word":"$500","start":944.08,"end":944.8,"confidence":0.9834759,"punctuated_word":"$500","sentiment":"neutral","sentiment_score":0.17872309684753418},{"word":"co","start":944.8,"end":945.12,"confidence":0.9431143,"punctuated_word":"co","sentiment":"neutral","sentiment_score":0.20633746683597565},{"word":"contribution","start":945.12,"end":945.52,"confidence":0.99975437,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.1886983662843704},{"word":"if","start":945.52,"end":945.68,"confidence":0.7269373,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2412802278995514},{"word":"you","start":945.68,"end":945.83997,"confidence":0.9998628,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20465151965618136},{"word":"do","start":945.83997,"end":946.08,"confidence":0.99967253,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1707308292388916},{"word":"make","start":946.08,"end":946.32,"confidence":0.9978696,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1298789530992508},{"word":"that","start":946.32,"end":946.48,"confidence":0.6906469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18649759888648987},{"word":"thousand","start":946.48,"end":946.88,"confidence":0.97925776,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.10209594666957857},{"word":"dollars","start":946.88,"end":947.38,"confidence":0.99469846,"punctuated_word":"dollars.","sentiment":"neutral","sentiment_score":0.11433065682649612},{"word":"if","start":947.52,"end":947.68,"confidence":0.98267144,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1128508672118187},{"word":"you","start":947.68,"end":947.83997,"confidence":0.9999312,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16524291038513184},{"word":"do","start":947.83997,"end":948.0,"confidence":0.99944526,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09339191764593124},{"word":"contribute","start":948.0,"end":948.39996,"confidence":0.9998149,"punctuated_word":"contribute","sentiment":"neutral","sentiment_score":0.046314701437950134},{"word":"a","start":948.39996,"end":948.48,"confidence":0.9998671,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13354220986366272},{"word":"bit","start":948.48,"end":948.64,"confidence":0.99977344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.009660661220550535},{"word":"less","start":948.64,"end":948.88,"confidence":0.9984709,"punctuated_word":"less,","sentiment":"neutral","sentiment_score":-0.017310775816440582},{"word":"it'll","start":948.88,"end":949.04,"confidence":0.90735114,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.05455590412020683},{"word":"be","start":949.04,"end":949.2,"confidence":0.999413,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08120769262313843},{"word":"less","start":949.2,"end":949.36,"confidence":0.8184668,"punctuated_word":"less.","sentiment":"neutral","sentiment_score":0.024248570203781128},{"word":"and","start":949.36,"end":949.52,"confidence":0.9986565,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11328893154859544},{"word":"then","start":949.52,"end":949.68,"confidence":0.9987698,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13777175545692444},{"word":"if","start":949.68,"end":949.83997,"confidence":0.99710685,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1677435040473938},{"word":"you","start":949.83997,"end":950.0,"confidence":0.9955597,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18111610412597656},{"word":"always","start":950.0,"end":950.24,"confidence":0.59697574,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.13993743062019348},{"word":"start","start":950.24,"end":950.48,"confidence":0.5045988,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.11726484447717668},{"word":"earning","start":950.48,"end":950.8,"confidence":0.9997142,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":0.08234085142612457},{"word":"an","start":950.8,"end":950.96,"confidence":0.5978051,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08731012791395187},{"word":"income","start":950.96,"end":951.2,"confidence":0.9914997,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.08370765298604965},{"word":"they'll","start":951.2,"end":951.555,"confidence":0.8740019,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.13022035360336304},{"word":"proportionate","start":951.635,"end":952.035,"confidence":0.7590815,"punctuated_word":"proportionate","sentiment":"neutral","sentiment_score":0.17438000440597534},{"word":"down","start":952.035,"end":952.355,"confidence":0.87471557,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1566321849822998},{"word":"until","start":952.355,"end":952.595,"confidence":0.99592966,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.10822859406471252},{"word":"you're","start":952.595,"end":952.835,"confidence":0.91323507,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.10509201139211656},{"word":"sort","start":952.835,"end":952.995,"confidence":0.9956507,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06657427549362183},{"word":"of","start":952.995,"end":953.075,"confidence":0.90529,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07823459059000015},{"word":"not","start":953.075,"end":953.235,"confidence":0.9972662,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.04217008501291275},{"word":"eligible","start":953.235,"end":953.555,"confidence":0.99990535,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.020991064608097076},{"word":"for","start":953.555,"end":953.71497,"confidence":0.9997365,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03181328624486923},{"word":"any","start":953.71497,"end":953.955,"confidence":0.9995635,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.024889901280403137},{"word":"payment","start":953.955,"end":954.455,"confidence":0.99614537,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":0.019274234771728516},{"word":"there","start":954.995,"end":955.235,"confidence":0.83999336,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06783211976289749},{"word":"as","start":955.235,"end":955.395,"confidence":0.9995561,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15970611572265625},{"word":"well","start":955.395,"end":955.71497,"confidence":0.7745271,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.10882113128900528},{"word":"but","start":955.71497,"end":955.875,"confidence":0.99218494,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2305937707424164},{"word":"it's","start":955.875,"end":956.035,"confidence":0.99976444,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.34756869077682495},{"word":"not","start":956.035,"end":956.195,"confidence":0.9998994,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.37090370059013367},{"word":"a","start":956.195,"end":956.27496,"confidence":0.9987998,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.423879474401474},{"word":"bad","start":956.27496,"end":956.435,"confidence":0.99998605,"punctuated_word":"bad","sentiment":"positive","sentiment_score":0.3370996415615082},{"word":"thing","start":956.435,"end":956.595,"confidence":0.9534837,"punctuated_word":"thing.","sentiment":"positive","sentiment_score":0.5126363635063171},{"word":"you","start":956.595,"end":956.675,"confidence":0.99841666,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5300456285476685},{"word":"still","start":956.675,"end":956.835,"confidence":0.9853146,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.5323392748832703},{"word":"get","start":956.835,"end":956.995,"confidence":0.9985259,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.505970299243927},{"word":"money","start":956.995,"end":957.15497,"confidence":0.99992657,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.5334129333496094},{"word":"going","start":957.15497,"end":957.315,"confidence":0.9997588,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.6519709229469299},{"word":"into","start":957.315,"end":957.555,"confidence":0.9980817,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.6277586817741394},{"word":"your","start":957.555,"end":957.635,"confidence":0.96392626,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5675220489501953},{"word":"super","start":957.635,"end":957.955,"confidence":0.96169376,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.5109029412269592},{"word":"you","start":957.955,"end":958.035,"confidence":0.99932206,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.3200634717941284},{"word":"just","start":958.035,"end":958.195,"confidence":0.9995314,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.31413161754608154},{"word":"might","start":958.195,"end":958.355,"confidence":0.9998012,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.19045214354991913},{"word":"not","start":958.355,"end":958.435,"confidence":0.99977666,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2244526594877243},{"word":"get","start":958.435,"end":958.595,"confidence":0.9995857,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2523030638694763},{"word":"that","start":958.595,"end":958.835,"confidence":0.99747735,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.39766925573349},{"word":"co","start":958.835,"end":959.075,"confidence":0.80205834,"punctuated_word":"co","sentiment":"neutral","sentiment_score":0.3313062787055969},{"word":"contribution","start":959.075,"end":959.475,"confidence":0.9769114,"punctuated_word":"contribution,","sentiment":"neutral","sentiment_score":0.2896427512168884},{"word":"which","start":959.475,"end":959.71497,"confidence":0.99994826,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.3825845122337342},{"word":"is","start":959.71497,"end":959.795,"confidence":0.99970645,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3121086061000824},{"word":"what","start":959.795,"end":960.035,"confidence":0.99977404,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.35669490694999695},{"word":"you","start":960.035,"end":960.115,"confidence":0.99972504,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4083249270915985},{"word":"wanna","start":960.115,"end":960.355,"confidence":0.9349993,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.3868842124938965},{"word":"do","start":960.355,"end":960.515,"confidence":0.99915516,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.34331679344177246},{"word":"anyway","start":960.515,"end":960.835,"confidence":0.78819585,"punctuated_word":"anyway,","sentiment":"neutral","sentiment_score":0.3278874158859253},{"word":"but","start":960.835,"end":961.235,"confidence":0.99959916,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.3915995061397553},{"word":"a","start":961.235,"end":961.315,"confidence":0.79059607,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4524078071117401},{"word":"bit","start":961.315,"end":961.475,"confidence":0.99962616,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4672920107841492},{"word":"of","start":961.475,"end":961.635,"confidence":0.9991854,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4956561625003814},{"word":"free","start":961.635,"end":961.875,"confidence":0.9994684,"punctuated_word":"free","sentiment":"positive","sentiment_score":0.4647078514099121},{"word":"money","start":961.875,"end":962.195,"confidence":0.9999089,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.5365809202194214},{"word":"never","start":962.195,"end":962.515,"confidence":0.925635,"punctuated_word":"never","sentiment":"positive","sentiment_score":0.5299294590950012},{"word":"hurt","start":962.515,"end":962.755,"confidence":0.5338851,"punctuated_word":"hurt","sentiment":"positive","sentiment_score":0.630711555480957},{"word":"to","start":962.755,"end":962.915,"confidence":0.99244916,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5361438393592834},{"word":"grow","start":962.915,"end":963.075,"confidence":0.8930588,"punctuated_word":"grow","sentiment":"positive","sentiment_score":0.569937527179718},{"word":"on","start":963.075,"end":963.235,"confidence":0.895003,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6454951167106628},{"word":"your","start":963.235,"end":963.395,"confidence":0.99477226,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.594868004322052},{"word":"super","start":963.395,"end":963.71497,"confidence":0.99824846,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.6226567029953003},{"word":"as","start":963.71497,"end":963.795,"confidence":0.9997271,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.49767330288887024},{"word":"well","start":963.795,"end":964.29,"confidence":0.99982774,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2658384442329407},{"word":"perfect","start":966.29,"end":966.79,"confidence":0.9946257,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4973819851875305},{"word":"now","start":967.73,"end":968.20996,"confidence":0.9112725,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.12828826904296875},{"word":"with","start":968.20996,"end":968.44995,"confidence":0.9834953,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.01354914903640747},{"word":"that","start":968.44995,"end":968.76996,"confidence":0.99984074,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.021287471055984497},{"word":"as","start":968.76996,"end":969.08997,"confidence":0.9712641,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.015297859907150269},{"word":"well","start":969.08997,"end":969.32996,"confidence":0.9837608,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.07005450129508972},{"word":"there","start":969.32996,"end":969.57,"confidence":0.9622028,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.16467338800430298},{"word":"are","start":969.57,"end":969.73,"confidence":0.9545541,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.17134661972522736},{"word":"obviously","start":969.73,"end":970.05,"confidence":0.9501911,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.10656055063009262},{"word":"risks","start":970.05,"end":970.37,"confidence":0.98048455,"punctuated_word":"risks","sentiment":"neutral","sentiment_score":-0.20610913634300232},{"word":"that","start":970.37,"end":970.52997,"confidence":0.93639827,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.07929864525794983},{"word":"you","start":970.52997,"end":970.69,"confidence":0.99376374,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16683681309223175},{"word":"know","start":970.69,"end":970.93,"confidence":0.9982574,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.11430105566978456},{"word":"once","start":970.93,"end":971.05,"confidence":0.87548494,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.18485915660858152},{"word":"you","start":971.05,"end":971.17,"confidence":0.9944887,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16852977871894836},{"word":"put","start":971.17,"end":971.41,"confidence":0.94400597,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.14596086740493774},{"word":"in","start":971.41,"end":971.49,"confidence":0.62735087,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09276831150054932},{"word":"the","start":971.49,"end":971.64996,"confidence":0.8891696,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03301247954368591},{"word":"superannuation","start":971.64996,"end":972.14996,"confidence":0.98713267,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":-0.04503338783979416},{"word":"you","start":972.20996,"end":972.29,"confidence":0.9940341,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08386904001235962},{"word":"can't","start":972.29,"end":972.52997,"confidence":0.9996169,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.10256286710500716},{"word":"get","start":972.52997,"end":972.69,"confidence":0.99958736,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.25362783670425415},{"word":"it","start":972.69,"end":972.76996,"confidence":0.9969432,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.12698832154273987},{"word":"back","start":972.76996,"end":973.00995,"confidence":0.9996501,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.3418296277523041},{"word":"given","start":973.00995,"end":973.17,"confidence":0.824287,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.23072807490825653},{"word":"that","start":973.17,"end":973.32996,"confidence":0.9990583,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09269087761640547},{"word":"you","start":973.32996,"end":973.49,"confidence":0.99962234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1277586668729782},{"word":"aren't","start":973.49,"end":973.64996,"confidence":0.9574897,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.10994598269462584},{"word":"working","start":973.64996,"end":973.88995,"confidence":0.7089878,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":-0.1471603661775589},{"word":"it's","start":973.88995,"end":974.05,"confidence":0.9786283,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.017752598971128464},{"word":"something","start":974.05,"end":974.20996,"confidence":0.85298824,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.02274122834205627},{"word":"to","start":974.20996,"end":974.37,"confidence":0.960961,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.015550047159194946},{"word":"be","start":974.37,"end":974.44995,"confidence":0.9971107,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.060213491320610046},{"word":"mindful","start":974.44995,"end":974.76996,"confidence":0.99728656,"punctuated_word":"mindful","sentiment":"neutral","sentiment_score":-0.12236972153186798},{"word":"of","start":974.76996,"end":974.93,"confidence":0.7915571,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.04374965280294418},{"word":"but","start":974.93,"end":975.00995,"confidence":0.9979809,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1527557373046875},{"word":"given","start":975.00995,"end":975.25,"confidence":0.991491,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.20942926406860352},{"word":"you","start":975.25,"end":975.41,"confidence":0.9984003,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3384328782558441},{"word":"do","start":975.41,"end":975.64996,"confidence":0.99765706,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.28475499153137207},{"word":"quite","start":975.64996,"end":975.88995,"confidence":0.31157252,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.2829017639160156},{"word":"amount","start":975.88995,"end":976.13,"confidence":0.9077732,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.2907165586948395},{"word":"of","start":976.13,"end":976.29,"confidence":0.9958645,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3766591548919678},{"word":"savings","start":976.29,"end":976.69,"confidence":0.99979645,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.14911967515945437},{"word":"as","start":976.69,"end":976.85,"confidence":0.9997904,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.36227792501449585},{"word":"well","start":976.85,"end":977.205,"confidence":0.9696893,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.387760728597641},{"word":"it","start":977.205,"end":977.365,"confidence":0.9995522,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4500437378883362},{"word":"does","start":977.365,"end":977.60504,"confidence":0.9999702,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.41162994503974915},{"word":"obviously","start":977.60504,"end":978.085,"confidence":0.94387084,"punctuated_word":"obviously","sentiment":"positive","sentiment_score":0.3757071495056152},{"word":"help","start":978.085,"end":978.405,"confidence":0.9983004,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.4409465491771698},{"word":"contribute","start":978.405,"end":978.72504,"confidence":0.99971825,"punctuated_word":"contribute","sentiment":"positive","sentiment_score":0.34066104888916016},{"word":"to","start":978.72504,"end":978.885,"confidence":0.99976045,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5007179975509644},{"word":"the","start":978.885,"end":979.04504,"confidence":0.9992835,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4653879702091217},{"word":"balance","start":979.04504,"end":979.54504,"confidence":0.99952114,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":-0.03334437683224678},{"word":"as","start":980.16504,"end":980.405,"confidence":0.83499146,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.05093876272439957},{"word":"far","start":980.405,"end":980.565,"confidence":0.9999001,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.026771049946546555},{"word":"as","start":980.565,"end":980.72504,"confidence":0.9996903,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.013153009116649628},{"word":"the","start":980.72504,"end":980.805,"confidence":0.94247574,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04022882878780365},{"word":"beneficiary","start":980.805,"end":981.28503,"confidence":0.99879694,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.13410547375679016},{"word":"nominations","start":981.28503,"end":981.765,"confidence":0.9982586,"punctuated_word":"nominations,","sentiment":"neutral","sentiment_score":0.0938764214515686},{"word":"we're","start":981.765,"end":982.16504,"confidence":0.9986975,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1519881933927536},{"word":"recommending","start":982.16504,"end":982.565,"confidence":0.99988854,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.24546034634113312},{"word":"that","start":982.565,"end":982.72504,"confidence":0.9999434,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13498729467391968},{"word":"you","start":982.72504,"end":982.885,"confidence":0.9998678,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2122426331043243},{"word":"nominate","start":982.885,"end":983.28503,"confidence":0.9997583,"punctuated_word":"nominate","sentiment":"neutral","sentiment_score":0.13475829362869263},{"word":"a","start":983.28503,"end":983.365,"confidence":0.99845576,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16892239451408386},{"word":"legal","start":983.365,"end":983.685,"confidence":0.9997942,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.08545558899641037},{"word":"person","start":983.685,"end":984.005,"confidence":0.604848,"punctuated_word":"person","sentiment":"neutral","sentiment_score":0.09273069351911543},{"word":"representative","start":984.005,"end":984.405,"confidence":0.88536227,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.074452243745327},{"word":"once","start":984.405,"end":984.565,"confidence":0.9382604,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.11324765533208848},{"word":"you","start":984.565,"end":984.645,"confidence":0.99912137,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12584668397903442},{"word":"get","start":984.645,"end":984.805,"confidence":0.98483366,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10800549387931824},{"word":"a","start":984.805,"end":984.885,"confidence":0.99334323,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11016494780778883},{"word":"will","start":984.885,"end":985.125,"confidence":0.96502423,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.14125794172286987},{"word":"enforce","start":985.125,"end":985.625,"confidence":0.46256027,"punctuated_word":"enforce","sentiment":"neutral","sentiment_score":0.12551110982894895},{"word":"with","start":985.84503,"end":986.085,"confidence":0.89427215,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1460612267255783},{"word":"that","start":986.085,"end":986.245,"confidence":0.9999229,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13190250098705292},{"word":"one","start":986.245,"end":986.405,"confidence":0.99933916,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.10096744447946548},{"word":"because","start":986.405,"end":986.72504,"confidence":0.86128396,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.036323338747024536},{"word":"you","start":986.72504,"end":986.805,"confidence":0.999691,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07536908984184265},{"word":"want","start":986.805,"end":987.04504,"confidence":0.74558645,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.1070140078663826},{"word":"to","start":987.04504,"end":987.125,"confidence":0.9901059,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11202695220708848},{"word":"leave","start":987.125,"end":987.28503,"confidence":0.99609476,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.022338509559631348},{"word":"things","start":987.28503,"end":987.525,"confidence":0.9995467,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.04081520438194275},{"word":"to","start":987.525,"end":987.60504,"confidence":0.88728976,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.02609580010175705},{"word":"you","start":987.60504,"end":987.765,"confidence":0.99958616,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03496095538139343},{"word":"know","start":987.765,"end":988.005,"confidence":0.99394107,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.006599407643079758},{"word":"like","start":988.005,"end":988.085,"confidence":0.9970974,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.040442027151584625},{"word":"brothers","start":988.085,"end":988.585,"confidence":0.8756746,"punctuated_word":"brothers,","sentiment":"neutral","sentiment_score":-0.011173911392688751},{"word":"you","start":989.125,"end":989.28503,"confidence":0.9675504,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00931745022535324},{"word":"know","start":989.28503,"end":989.78503,"confidence":0.9984138,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.006232645362615585},{"word":"mother","start":990.58997,"end":991.07,"confidence":0.7692261,"punctuated_word":"mother,","sentiment":"neutral","sentiment_score":-0.012620095163583755},{"word":"if","start":991.07,"end":991.31,"confidence":0.6490333,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.028663840144872665},{"word":"sort","start":991.31,"end":991.47,"confidence":0.60508084,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.05688601732254028},{"word":"of","start":991.47,"end":991.63,"confidence":0.972163,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0005899518728256226},{"word":"worst","start":991.63,"end":991.87,"confidence":0.97572666,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":-0.06652917712926865},{"word":"case","start":991.87,"end":992.11,"confidence":0.99971396,"punctuated_word":"case","sentiment":"neutral","sentiment_score":-0.0038119927048683167},{"word":"things","start":992.11,"end":992.35,"confidence":0.81332797,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.024622485041618347},{"word":"like","start":992.35,"end":992.50995,"confidence":0.99781054,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.029655195772647858},{"word":"that","start":992.50995,"end":992.75,"confidence":0.999754,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07014119625091553},{"word":"as","start":992.75,"end":992.82996,"confidence":0.9980552,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07205890864133835},{"word":"well","start":992.82996,"end":993.14996,"confidence":0.80761194,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.05867111310362816},{"word":"it","start":993.14996,"end":993.38995,"confidence":0.99808794,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16538938879966736},{"word":"sorta","start":993.38995,"end":993.79,"confidence":0.8250904,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.1932644844055176},{"word":"helps","start":993.79,"end":994.19,"confidence":0.999281,"punctuated_word":"helps","sentiment":"neutral","sentiment_score":0.14215341210365295},{"word":"that","start":994.19,"end":994.58997,"confidence":0.99921954,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24075841903686523},{"word":"they","start":994.58997,"end":994.75,"confidence":0.9868832,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.17136983573436737},{"word":"don't","start":994.75,"end":995.07,"confidence":0.99996734,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.05965249985456467},{"word":"make","start":995.07,"end":995.31,"confidence":0.9998815,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.004906773567199707},{"word":"a","start":995.31,"end":995.47,"confidence":0.9977245,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04832920432090759},{"word":"valid","start":995.47,"end":995.70996,"confidence":0.9947366,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":-0.0583464652299881},{"word":"nomination","start":995.70996,"end":996.11,"confidence":0.9986473,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":-0.0661868005990982},{"word":"with","start":996.11,"end":996.35,"confidence":0.570415,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0026578903198242188},{"word":"c","start":996.35,"end":996.58997,"confidence":0.33081108,"punctuated_word":"c","sentiment":"neutral","sentiment_score":0.052990637719631195},{"word":"csac","start":996.67,"end":997.07,"confidence":0.88196754,"punctuated_word":"CSAC","sentiment":"neutral","sentiment_score":0.04445118829607963},{"word":"for","start":997.07,"end":997.23,"confidence":0.9663998,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.010451823472976685},{"word":"superannuation","start":997.23,"end":997.73,"confidence":0.99472994,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.052186548709869385},{"word":"at","start":997.87,"end":997.94995,"confidence":0.9993687,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08399944752454758},{"word":"the","start":997.94995,"end":998.02997,"confidence":0.99979645,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13038398325443268},{"word":"moment","start":998.02997,"end":998.52997,"confidence":0.9962722,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.11681830883026124},{"word":"so","start":998.82996,"end":998.99,"confidence":0.9721458,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23785945773124695},{"word":"once","start":998.99,"end":999.14996,"confidence":0.99972016,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.2411045134067535},{"word":"your","start":999.14996,"end":999.38995,"confidence":0.9844988,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2691124379634857},{"word":"will","start":999.38995,"end":999.55,"confidence":0.9437904,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.3219156861305237},{"word":"is","start":999.55,"end":999.63,"confidence":0.82026905,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3088034987449646},{"word":"in","start":999.63,"end":999.79,"confidence":0.99762136,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2581097483634949},{"word":"place","start":999.79,"end":1000.02997,"confidence":0.99876,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.2962833046913147},{"word":"you","start":1000.02997,"end":1000.11,"confidence":0.99988306,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32223963737487793},{"word":"can","start":1000.11,"end":1000.26996,"confidence":0.9999497,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.33724352717399597},{"word":"leave","start":1000.26996,"end":1000.50995,"confidence":0.9996656,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.29236093163490295},{"word":"your","start":1000.50995,"end":1000.75,"confidence":0.9940984,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2806750535964966},{"word":"estate","start":1000.75,"end":1001.07,"confidence":0.9923808,"punctuated_word":"estate","sentiment":"positive","sentiment_score":0.33985447883605957},{"word":"to","start":1001.07,"end":1001.23,"confidence":0.99509937,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.40066948533058167},{"word":"the","start":1001.23,"end":1001.31,"confidence":0.9954918,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3019138276576996},{"word":"will","start":1001.31,"end":1001.55,"confidence":0.8785479,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.3215506970882416},{"word":"and","start":1001.55,"end":1001.63,"confidence":0.9998536,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3845881223678589},{"word":"it","start":1001.63,"end":1001.79,"confidence":0.99970645,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4110427498817444},{"word":"can","start":1001.79,"end":1001.87,"confidence":0.9999018,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3688654601573944},{"word":"be","start":1001.87,"end":1002.02997,"confidence":0.9991903,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.35340505838394165},{"word":"distributed","start":1002.02997,"end":1002.50995,"confidence":0.99824584,"punctuated_word":"distributed","sentiment":"neutral","sentiment_score":0.3131943941116333},{"word":"per","start":1002.50995,"end":1002.67,"confidence":0.88191444,"punctuated_word":"per","sentiment":"positive","sentiment_score":0.455404132604599},{"word":"your","start":1002.67,"end":1002.82996,"confidence":0.8942135,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3714183866977692},{"word":"wishes","start":1002.82996,"end":1003.14996,"confidence":0.9941649,"punctuated_word":"wishes","sentiment":"positive","sentiment_score":0.40588027238845825},{"word":"that","start":1003.14996,"end":1003.38995,"confidence":0.72259676,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.391486793756485},{"word":"way","start":1003.38995,"end":1003.87,"confidence":0.9961008,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.2685886323451996},{"word":"it's","start":1003.87,"end":1003.935,"confidence":0.946365,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.10360756516456604},{"word":"important","start":1004.095,"end":1004.415,"confidence":0.99991536,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.02262769639492035},{"word":"to","start":1004.415,"end":1004.495,"confidence":0.9991254,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.057021364569664},{"word":"sort","start":1004.495,"end":1004.815,"confidence":0.9974094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.045585185289382935},{"word":"of","start":1004.815,"end":1004.895,"confidence":0.54552037,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.041324466466903687},{"word":"note","start":1004.895,"end":1005.135,"confidence":0.97442585,"punctuated_word":"note","sentiment":"neutral","sentiment_score":-0.012410394847393036},{"word":"that","start":1005.135,"end":1005.215,"confidence":0.99950314,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03412748873233795},{"word":"when","start":1005.215,"end":1005.455,"confidence":0.99868506,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.021157406270504},{"word":"it","start":1005.455,"end":1005.535,"confidence":0.9997811,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04301922768354416},{"word":"goes","start":1005.535,"end":1005.775,"confidence":0.9997613,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.041216395795345306},{"word":"to","start":1005.775,"end":1005.935,"confidence":0.99936587,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03542754799127579},{"word":"the","start":1005.935,"end":1006.015,"confidence":0.999713,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.038864850997924805},{"word":"will","start":1006.015,"end":1006.335,"confidence":0.9908874,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":-0.024371448904275898},{"word":"it's","start":1006.335,"end":1006.65497,"confidence":0.97845984,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.09731602668762208},{"word":"taxed","start":1006.65497,"end":1006.975,"confidence":0.9684429,"punctuated_word":"taxed","sentiment":"neutral","sentiment_score":-0.08199989050626755},{"word":"differently","start":1006.975,"end":1007.455,"confidence":0.9867811,"punctuated_word":"differently.","sentiment":"neutral","sentiment_score":-0.11026999354362488},{"word":"you","start":1007.455,"end":1007.535,"confidence":0.99545443,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.09675773978233336},{"word":"don't","start":1007.535,"end":1007.775,"confidence":0.99489087,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1081797182559967},{"word":"pay","start":1007.775,"end":1008.015,"confidence":0.8032975,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.11423563212156296},{"word":"the","start":1008.015,"end":1008.175,"confidence":0.9960491,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15593057870864868},{"word":"medicare","start":1008.175,"end":1008.495,"confidence":0.9859235,"punctuated_word":"Medicare","sentiment":"neutral","sentiment_score":-0.14108765125274658},{"word":"levy","start":1008.495,"end":1008.815,"confidence":0.88340175,"punctuated_word":"levy,","sentiment":"neutral","sentiment_score":-0.14864036440849304},{"word":"but","start":1008.815,"end":1008.895,"confidence":0.9998043,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07616285234689713},{"word":"then","start":1008.895,"end":1009.055,"confidence":0.9951598,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.0461648628115654},{"word":"also","start":1009.055,"end":1009.555,"confidence":0.56653994,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.07684604078531265},{"word":"it","start":1009.775,"end":1009.935,"confidence":0.58163315,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08375545591115952},{"word":"does","start":1009.935,"end":1010.255,"confidence":0.9995028,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.059903815388679504},{"word":"open","start":1010.255,"end":1010.495,"confidence":0.9997464,"punctuated_word":"open","sentiment":"neutral","sentiment_score":-0.1286948025226593},{"word":"your","start":1010.495,"end":1010.895,"confidence":0.9989372,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1405659019947052},{"word":"superannuation","start":1010.895,"end":1011.395,"confidence":0.9937277,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.08538854867219925},{"word":"up","start":1011.695,"end":1011.775,"confidence":0.97890455,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.15257880091667175},{"word":"to","start":1011.775,"end":1011.935,"confidence":0.9521275,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13250979781150818},{"word":"claims","start":1011.935,"end":1012.435,"confidence":0.9315818,"punctuated_word":"claims","sentiment":"neutral","sentiment_score":-0.10594277083873747},{"word":"should","start":1012.815,"end":1013.315,"confidence":0.9618372,"punctuated_word":"should,","sentiment":"neutral","sentiment_score":-0.20021125674247744},{"word":"you","start":1013.375,"end":1013.535,"confidence":0.54362905,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.23970046639442444},{"word":"know","start":1013.535,"end":1013.855,"confidence":0.99978304,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.2192859947681427},{"word":"family","start":1013.855,"end":1014.255,"confidence":0.65604645,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.26801323890686035},{"word":"start","start":1014.255,"end":1014.575,"confidence":0.9790892,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.3152245283126831},{"word":"fighting","start":1014.575,"end":1014.815,"confidence":0.99830997,"punctuated_word":"fighting","sentiment":"neutral","sentiment_score":-0.23306278884410855},{"word":"over","start":1014.815,"end":1015.055,"confidence":0.99810755,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.26751285791397095},{"word":"the","start":1015.055,"end":1015.215,"confidence":0.9398334,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2427617460489273},{"word":"money","start":1015.215,"end":1015.455,"confidence":0.98285735,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.16171133518218994},{"word":"and","start":1015.455,"end":1015.615,"confidence":0.94460905,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.159867063164711},{"word":"who","start":1015.615,"end":1015.775,"confidence":0.9996069,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.14543844759464264},{"word":"gets","start":1015.775,"end":1016.015,"confidence":0.99869776,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.1396995335817337},{"word":"what","start":1016.015,"end":1016.34,"confidence":0.85660267,"punctuated_word":"what.","sentiment":"neutral","sentiment_score":-0.09615308791399002},{"word":"and","start":1016.82,"end":1016.9,"confidence":0.67947143,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.023157726973295212},{"word":"it","start":1016.9,"end":1016.98004,"confidence":0.96753025,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.027114812284708023},{"word":"can","start":1016.98004,"end":1017.22003,"confidence":0.99035347,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.017344236373901367},{"word":"sort","start":1017.22003,"end":1017.38,"confidence":0.95839375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.06121564283967018},{"word":"of","start":1017.38,"end":1017.46,"confidence":0.8585478,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2704955041408539},{"word":"get","start":1017.46,"end":1017.62006,"confidence":0.9874529,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.426946073770523},{"word":"eaten","start":1017.62006,"end":1017.86005,"confidence":0.81415576,"punctuated_word":"eaten","sentiment":"negative","sentiment_score":-0.4765429198741913},{"word":"away","start":1017.86005,"end":1018.02,"confidence":0.9980995,"punctuated_word":"away","sentiment":"negative","sentiment_score":-0.5336859226226807},{"word":"at","start":1018.02,"end":1018.10004,"confidence":0.8434368,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.617538571357727},{"word":"legal","start":1018.10004,"end":1018.34,"confidence":0.99838877,"punctuated_word":"legal","sentiment":"negative","sentiment_score":-0.5833942890167236},{"word":"fees","start":1018.34,"end":1018.58,"confidence":0.7084564,"punctuated_word":"fees,","sentiment":"negative","sentiment_score":-0.6116529703140259},{"word":"that","start":1018.58,"end":1018.74005,"confidence":0.9908015,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.6045581102371216},{"word":"is","start":1018.74005,"end":1018.9,"confidence":0.99934536,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.5498088002204895},{"word":"sort","start":1018.9,"end":1019.06,"confidence":0.9960218,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.5293848514556885},{"word":"of","start":1019.06,"end":1019.22003,"confidence":0.999627,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5070211291313171},{"word":"a","start":1019.22003,"end":1019.30005,"confidence":0.996992,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5248277187347412},{"word":"risk","start":1019.30005,"end":1019.54004,"confidence":0.9999553,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.4670901894569397},{"word":"of","start":1019.54004,"end":1019.62006,"confidence":0.99704355,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4593176543712616},{"word":"that","start":1019.62006,"end":1019.86005,"confidence":0.9513862,"punctuated_word":"that.","sentiment":"negative","sentiment_score":-0.4544310569763184},{"word":"but","start":1019.86005,"end":1020.02,"confidence":0.99914217,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.19199946522712708},{"word":"given","start":1020.02,"end":1020.26,"confidence":0.99407166,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.26493191719055176},{"word":"you","start":1020.26,"end":1020.42004,"confidence":0.51391757,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2261149287223816},{"word":"don't","start":1020.42004,"end":1020.58,"confidence":0.99965906,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.25798499584198},{"word":"have","start":1020.58,"end":1020.82,"confidence":0.9999194,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.32751524448394775},{"word":"anyone","start":1020.82,"end":1021.06,"confidence":0.99961495,"punctuated_word":"anyone","sentiment":"negative","sentiment_score":-0.4021734297275543},{"word":"that","start":1021.06,"end":1021.22003,"confidence":0.9998419,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3352280557155609},{"word":"sort","start":1021.22003,"end":1021.38,"confidence":0.9886419,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.35426953434944153},{"word":"of","start":1021.38,"end":1021.46,"confidence":0.94381416,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.31135812401771545},{"word":"makes","start":1021.46,"end":1021.7,"confidence":0.9828576,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.3186725676059723},{"word":"a","start":1021.7,"end":1021.78,"confidence":0.72757524,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22504331171512604},{"word":"valid","start":1021.78,"end":1022.02,"confidence":0.9482096,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":-0.2531934380531311},{"word":"nomination","start":1022.02,"end":1022.5,"confidence":0.99932253,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":-0.16495992243289948},{"word":"currently","start":1022.5,"end":1022.82,"confidence":0.91365844,"punctuated_word":"currently","sentiment":"negative","sentiment_score":-0.3922610282897949},{"word":"apart","start":1022.82,"end":1023.14,"confidence":0.8924102,"punctuated_word":"apart","sentiment":"neutral","sentiment_score":-0.3166116178035736},{"word":"from","start":1023.14,"end":1023.22003,"confidence":0.9993993,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.27225905656814575},{"word":"what","start":1023.22003,"end":1023.46,"confidence":0.48003852,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2673354744911194},{"word":"your","start":1023.46,"end":1023.54004,"confidence":0.98357534,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.31832367181777954},{"word":"mother","start":1023.54004,"end":1023.86005,"confidence":0.99951947,"punctuated_word":"mother","sentiment":"neutral","sentiment_score":-0.3169035017490387},{"word":"being","start":1023.86005,"end":1024.1,"confidence":0.9974644,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.23888954520225525},{"word":"dependent","start":1024.1,"end":1024.5,"confidence":0.98691386,"punctuated_word":"dependent","sentiment":"neutral","sentiment_score":-0.17931565642356873},{"word":"on","start":1024.5,"end":1024.66,"confidence":0.99954516,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.23056310415267944},{"word":"you","start":1024.66,"end":1025.06,"confidence":0.9970366,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.21670804917812347},{"word":"caring","start":1025.06,"end":1025.38,"confidence":0.71067166,"punctuated_word":"caring","sentiment":"neutral","sentiment_score":-0.22924166917800903},{"word":"for","start":1025.38,"end":1025.62,"confidence":0.99920183,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.25757086277008057},{"word":"at","start":1025.62,"end":1025.78,"confidence":0.9376391,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.27166327834129333},{"word":"the","start":1025.78,"end":1025.86,"confidence":0.9997414,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21361002326011655},{"word":"moment","start":1025.86,"end":1026.26,"confidence":0.9407699,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.178412526845932},{"word":"you","start":1026.74,"end":1026.9,"confidence":0.99241924,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.25504761934280396},{"word":"know","start":1026.9,"end":1027.14,"confidence":0.99835324,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.20874452590942383},{"word":"if","start":1027.14,"end":1027.38,"confidence":0.9930321,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2588895857334137},{"word":"something","start":1027.38,"end":1027.62,"confidence":0.9705739,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.25973838567733765},{"word":"were","start":1027.62,"end":1027.86,"confidence":0.98924506,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.2446039915084839},{"word":"to","start":1027.86,"end":1028.02,"confidence":0.9982021,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24417024850845337},{"word":"happen","start":1028.02,"end":1028.3401,"confidence":0.99812,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.26905059814453125},{"word":"to","start":1028.3401,"end":1028.5,"confidence":0.93618166,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3714842200279236},{"word":"your","start":1028.5,"end":1028.66,"confidence":0.96665376,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.3861030340194702},{"word":"your","start":1028.66,"end":1028.74,"confidence":0.8284007,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.35174810886383057},{"word":"mother","start":1028.74,"end":1029.06,"confidence":0.9929106,"punctuated_word":"mother,","sentiment":"neutral","sentiment_score":-0.2797691822052002},{"word":"you'd","start":1029.06,"end":1029.22,"confidence":0.9979874,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.2859196662902832},{"word":"have","start":1029.22,"end":1029.38,"confidence":0.99979717,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.26662546396255493},{"word":"to","start":1029.38,"end":1029.54,"confidence":0.99951935,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.301758348941803},{"word":"change","start":1029.54,"end":1029.78,"confidence":0.9995963,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.32065755128860474},{"word":"it","start":1029.78,"end":1029.86,"confidence":0.72802854,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.24871470034122467},{"word":"anyway","start":1029.86,"end":1030.1,"confidence":0.9774859,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":-0.2638249695301056},{"word":"so","start":1030.1,"end":1030.26,"confidence":0.9997396,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08834611624479294},{"word":"if","start":1030.26,"end":1030.42,"confidence":0.9996201,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.01971646398305893},{"word":"you","start":1030.42,"end":1030.5,"confidence":0.9992494,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.032395318150520325},{"word":"write","start":1030.5,"end":1030.74,"confidence":0.8497003,"punctuated_word":"write","sentiment":"neutral","sentiment_score":-0.051822930574417114},{"word":"it","start":1030.74,"end":1030.8201,"confidence":0.93202335,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06490856409072876},{"word":"all","start":1030.8201,"end":1030.8734,"confidence":0.9957022,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.08116638660430908},{"word":"at","start":1030.8734,"end":1030.9266,"confidence":0.55419403,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.12039175629615784},{"word":"all","start":1030.9266,"end":1030.98,"confidence":0.5141961,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":-0.03969699889421463},{"word":"it's","start":1030.98,"end":1031.14,"confidence":0.7975176,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.016721760854125023},{"word":"all","start":1031.14,"end":1031.3,"confidence":0.70684135,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.027811512351036072},{"word":"built","start":1031.3,"end":1031.54,"confidence":0.38832316,"punctuated_word":"built","sentiment":"neutral","sentiment_score":0.011773377656936646},{"word":"to","start":1031.54,"end":1031.775,"confidence":0.9104546,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0033923983573913574},{"word":"cover","start":1031.855,"end":1032.095,"confidence":0.9980064,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.02485796809196472},{"word":"for","start":1032.095,"end":1032.255,"confidence":0.9966304,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.012728765606880188},{"word":"those","start":1032.255,"end":1032.415,"confidence":0.9992466,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.01747126877307892},{"word":"contingencies","start":1032.415,"end":1032.915,"confidence":0.97187644,"punctuated_word":"contingencies.","sentiment":"neutral","sentiment_score":-0.04232393950223923},{"word":"it","start":1033.855,"end":1034.095,"confidence":0.9923383,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.0990748479962349},{"word":"just","start":1034.095,"end":1034.3351,"confidence":0.9988067,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08781406283378601},{"word":"means","start":1034.3351,"end":1034.5751,"confidence":0.9996203,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.05474910885095596},{"word":"that","start":1034.5751,"end":1035.0751,"confidence":0.93466544,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.15038028359413147},{"word":"you","start":1035.4551,"end":1035.6951,"confidence":0.78302777,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1704341173171997},{"word":"know","start":1035.6951,"end":1035.935,"confidence":0.99990124,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1596115231513977},{"word":"everything","start":1035.935,"end":1036.3351,"confidence":0.9993788,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2491974979639053},{"word":"distributed","start":1036.3351,"end":1036.8351,"confidence":0.97903913,"punctuated_word":"distributed","sentiment":"neutral","sentiment_score":0.18351107835769653},{"word":"per","start":1036.895,"end":1037.055,"confidence":0.8030902,"punctuated_word":"per","sentiment":"positive","sentiment_score":0.3351438045501709},{"word":"your","start":1037.055,"end":1037.215,"confidence":0.996347,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18861523270606995},{"word":"wishes","start":1037.215,"end":1037.615,"confidence":0.9994357,"punctuated_word":"wishes","sentiment":"neutral","sentiment_score":0.2577957212924957},{"word":"over","start":1037.615,"end":1037.855,"confidence":0.9987153,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.23424606025218964},{"word":"a","start":1037.855,"end":1037.935,"confidence":0.9997744,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1629256159067154},{"word":"longer","start":1037.935,"end":1038.255,"confidence":0.999488,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.17533792555332184},{"word":"period","start":1038.255,"end":1038.5751,"confidence":0.999806,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.22748857736587524},{"word":"of","start":1038.5751,"end":1038.655,"confidence":0.99885356,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1262686848640442},{"word":"time","start":1038.655,"end":1039.155,"confidence":0.9983931,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.12564432621002197},{"word":"so","start":1040.735,"end":1040.975,"confidence":0.7166056,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08095382899045944},{"word":"do","start":1040.975,"end":1041.135,"confidence":0.9447321,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05594392120838165},{"word":"you","start":1041.135,"end":1041.215,"confidence":0.9969349,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09380361437797546},{"word":"have","start":1041.215,"end":1041.295,"confidence":0.9944812,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.060762133449316025},{"word":"any","start":1041.295,"end":1041.4551,"confidence":0.99901533,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.05864093452692032},{"word":"questions","start":1041.4551,"end":1041.775,"confidence":0.9993616,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.04318191483616829},{"word":"in","start":1041.775,"end":1041.935,"confidence":0.99954957,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04490835964679718},{"word":"regards","start":1041.935,"end":1042.255,"confidence":0.99793255,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.04025183990597725},{"word":"to","start":1042.255,"end":1042.3351,"confidence":0.99894947,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06003255397081375},{"word":"that","start":1042.3351,"end":1042.495,"confidence":0.99990714,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05755602568387985},{"word":"at","start":1042.495,"end":1042.655,"confidence":0.9992213,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0405476912856102},{"word":"all","start":1042.655,"end":1043.155,"confidence":0.99607,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.025814000517129895},{"word":"certainly","start":1044.75,"end":1045.25,"confidence":0.37602395,"punctuated_word":"Certainly.","sentiment":"neutral","sentiment_score":-0.08727323263883591},{"word":"obviously","start":1045.39,"end":1045.7101,"confidence":0.9720253,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.02527428977191448},{"word":"we","start":1045.7101,"end":1045.87,"confidence":0.9972217,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10106781125068665},{"word":"recommend","start":1045.87,"end":1046.27,"confidence":0.9751771,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":0.11755073815584184},{"word":"you","start":1046.27,"end":1046.3501,"confidence":0.9987062,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05915804207324982},{"word":"establish","start":1046.3501,"end":1046.75,"confidence":0.9953982,"punctuated_word":"establish","sentiment":"neutral","sentiment_score":0.025886937975883484},{"word":"a","start":1046.75,"end":1046.8301,"confidence":0.9844134,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05374035984277725},{"word":"will","start":1046.8301,"end":1046.99,"confidence":0.62476104,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0554589182138443},{"word":"and","start":1046.99,"end":1047.15,"confidence":0.8185533,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0033425092697143555},{"word":"a","start":1047.15,"end":1047.23,"confidence":0.9948612,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01594550907611847},{"word":"power","start":1047.23,"end":1047.4701,"confidence":0.99546933,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.02616983652114868},{"word":"of","start":1047.4701,"end":1047.55,"confidence":0.9627347,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01907508075237274},{"word":"attorney","start":1047.55,"end":1047.79,"confidence":0.99902105,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":-0.03930812329053879},{"word":"in","start":1047.79,"end":1047.9501,"confidence":0.97949684,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05165787786245346},{"word":"conjunction","start":1047.9501,"end":1048.3501,"confidence":0.99979335,"punctuated_word":"conjunction","sentiment":"neutral","sentiment_score":0.08959627896547318},{"word":"with","start":1048.3501,"end":1048.51,"confidence":0.99980503,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08462827652692795},{"word":"that","start":1048.51,"end":1048.67,"confidence":0.9998504,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07411236315965652},{"word":"as","start":1048.67,"end":1048.75,"confidence":0.9998708,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0889592245221138},{"word":"well","start":1048.75,"end":1048.99,"confidence":0.99956167,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.00799417495727539},{"word":"i","start":1048.99,"end":1049.15,"confidence":0.99964774,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01759839802980423},{"word":"won't","start":1049.15,"end":1049.39,"confidence":0.9984287,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.05131351202726364},{"word":"dwell","start":1049.39,"end":1049.63,"confidence":0.9989506,"punctuated_word":"dwell","sentiment":"neutral","sentiment_score":-0.09124830365180968},{"word":"on","start":1049.63,"end":1049.7101,"confidence":0.9990876,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.11191336810588837},{"word":"those","start":1049.7101,"end":1049.87,"confidence":0.99351776,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.10382542759180068},{"word":"sections","start":1049.87,"end":1050.1901,"confidence":0.8450033,"punctuated_word":"sections","sentiment":"neutral","sentiment_score":-0.12475331127643584},{"word":"too","start":1050.1901,"end":1050.27,"confidence":0.99508566,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.18558931350708008},{"word":"much","start":1050.27,"end":1050.51,"confidence":0.99313086,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.1396079063415527},{"word":"feel","start":1050.51,"end":1050.67,"confidence":0.9969246,"punctuated_word":"Feel","sentiment":"neutral","sentiment_score":0.017223559319972992},{"word":"free","start":1050.67,"end":1050.91,"confidence":0.9958883,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.05618390440940857},{"word":"to","start":1050.91,"end":1050.99,"confidence":0.9213059,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06154642254114151},{"word":"read","start":1050.99,"end":1051.23,"confidence":0.79923224,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.01851263642311096},{"word":"through","start":1051.23,"end":1051.39,"confidence":0.9993876,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.013366274535655975},{"word":"that","start":1051.39,"end":1051.79,"confidence":0.99961257,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.03829764202237129},{"word":"we","start":1051.79,"end":1051.9501,"confidence":0.999114,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.04826178401708603},{"word":"obviously","start":1051.9501,"end":1052.27,"confidence":0.9837615,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.07429450750350952},{"word":"can't","start":1052.27,"end":1052.51,"confidence":0.9991729,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.09701695293188096},{"word":"provide","start":1052.51,"end":1052.8301,"confidence":0.9988257,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.10997609794139862},{"word":"a","start":1052.8301,"end":1052.91,"confidence":0.9874351,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10847148299217224},{"word":"will","start":1052.91,"end":1053.15,"confidence":0.88275796,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.1335788071155548},{"word":"service","start":1053.15,"end":1053.39,"confidence":0.989829,"punctuated_word":"service","sentiment":"neutral","sentiment_score":-0.13679729402065277},{"word":"in","start":1053.39,"end":1053.55,"confidence":0.69831216,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1351420283317566},{"word":"drawing","start":1053.55,"end":1053.79,"confidence":0.9966993,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":-0.1094679832458496},{"word":"up","start":1053.79,"end":1053.9501,"confidence":0.97904,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.09165789932012558},{"word":"a","start":1053.9501,"end":1054.03,"confidence":0.9227966,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06255964934825897},{"word":"will","start":1054.03,"end":1054.1901,"confidence":0.97136676,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":-0.061177998781204224},{"word":"we","start":1054.1901,"end":1054.27,"confidence":0.9995159,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.04924606531858444},{"word":"can","start":1054.27,"end":1054.43,"confidence":0.9997156,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07157701253890991},{"word":"have","start":1054.43,"end":1054.5901,"confidence":0.9996092,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03793086111545563},{"word":"a","start":1054.5901,"end":1054.67,"confidence":0.99684674,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04577366262674332},{"word":"conversation","start":1054.67,"end":1055.0701,"confidence":0.9994541,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.06362821161746979},{"word":"on","start":1055.0701,"end":1055.23,"confidence":0.9984364,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.049406714737415314},{"word":"how","start":1055.23,"end":1055.39,"confidence":0.9995628,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.04447057098150253},{"word":"you","start":1055.39,"end":1055.55,"confidence":0.9994413,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02424842119216919},{"word":"might","start":1055.55,"end":1055.7101,"confidence":0.9994685,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.05227331072092056},{"word":"wanna","start":1055.7101,"end":1055.87,"confidence":0.73060125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.06948313862085342},{"word":"structure","start":1055.87,"end":1056.1901,"confidence":0.9978744,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.02192997932434082},{"word":"a","start":1056.1901,"end":1056.27,"confidence":0.98084027,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.003182206302881241},{"word":"little","start":1056.27,"end":1056.43,"confidence":0.9999325,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.01927860826253891},{"word":"bit","start":1056.43,"end":1056.5901,"confidence":0.7491691,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.003954846411943436},{"word":"but","start":1056.5901,"end":1056.75,"confidence":0.994693,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.00013872981071472168},{"word":"given","start":1056.75,"end":1057.0701,"confidence":0.99068004,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.06779955327510834},{"word":"that","start":1057.0701,"end":1057.23,"confidence":0.9805671,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.04748052358627319},{"word":"you","start":1057.23,"end":1057.31,"confidence":0.9979096,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05509316548705101},{"word":"know","start":1057.31,"end":1057.81,"confidence":0.9991067,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.06734316796064377},{"word":"you've","start":1057.8949,"end":1058.215,"confidence":0.9998757,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.0643310695886612},{"word":"got","start":1058.215,"end":1058.2949,"confidence":0.9998964,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.08070167899131775},{"word":"the","start":1058.2949,"end":1058.615,"confidence":0.9985304,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09365754574537276},{"word":"the","start":1058.615,"end":1058.7749,"confidence":0.9959778,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07836180925369263},{"word":"car","start":1058.7749,"end":1059.0149,"confidence":0.9949679,"punctuated_word":"car","sentiment":"neutral","sentiment_score":-0.02654271572828293},{"word":"and","start":1059.0149,"end":1059.095,"confidence":0.9854397,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07521131634712219},{"word":"the","start":1059.095,"end":1059.2549,"confidence":0.9996618,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05957779288291931},{"word":"savings","start":1059.2549,"end":1059.6549,"confidence":0.99045146,"punctuated_word":"savings,","sentiment":"neutral","sentiment_score":-0.08827332407236099},{"word":"you","start":1059.6549,"end":1059.735,"confidence":0.9995264,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1234750598669052},{"word":"know","start":1059.735,"end":1059.975,"confidence":0.91849995,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.14605724811553955},{"word":"have","start":1059.975,"end":1060.1349,"confidence":0.47088224,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.09364736080169678},{"word":"a","start":1060.1349,"end":1060.2949,"confidence":0.99921453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10423196107149124},{"word":"huge","start":1060.2949,"end":1060.5349,"confidence":0.9999459,"punctuated_word":"huge","sentiment":"neutral","sentiment_score":-0.08014914393424988},{"word":"amount","start":1060.5349,"end":1060.855,"confidence":0.9998379,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.10688671469688416},{"word":"of","start":1060.855,"end":1061.0149,"confidence":0.9998983,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11480057239532472},{"word":"other","start":1061.0149,"end":1061.335,"confidence":0.994577,"punctuated_word":"other,","sentiment":"neutral","sentiment_score":-0.14975319802761078},{"word":"you","start":1061.335,"end":1061.495,"confidence":0.99988365,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17273323237895966},{"word":"know","start":1061.495,"end":1061.6549,"confidence":0.9996901,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1786220222711563},{"word":"property","start":1061.6549,"end":1062.0549,"confidence":0.9988023,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.10455848276615144},{"word":"thing","start":1062.0549,"end":1062.215,"confidence":0.7892565,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.1558958739042282},{"word":"like","start":1062.215,"end":1062.375,"confidence":0.9979918,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.3358091115951538},{"word":"that","start":1062.375,"end":1062.5349,"confidence":0.81400716,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.2981695532798767},{"word":"and","start":1062.5349,"end":1062.695,"confidence":0.604074,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.25943922996520996},{"word":"that","start":1062.695,"end":1062.855,"confidence":0.99911636,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2719115614891052},{"word":"might","start":1062.855,"end":1063.0149,"confidence":0.99954563,"punctuated_word":"might","sentiment":"negative","sentiment_score":-0.33747270703315735},{"word":"make","start":1063.0149,"end":1063.1749,"confidence":0.99934596,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.2723270356655121},{"word":"it","start":1063.1749,"end":1063.335,"confidence":0.99892694,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.15198498964309692},{"word":"difficult","start":1063.335,"end":1063.835,"confidence":0.97431034,"punctuated_word":"difficult.","sentiment":"neutral","sentiment_score":-0.07940872758626938},{"word":"yeah","start":1064.5349,"end":1064.7749,"confidence":0.9944601,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22578895092010495},{"word":"so","start":1064.7749,"end":1065.0149,"confidence":0.9993457,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.33294937014579773},{"word":"it","start":1065.0149,"end":1065.095,"confidence":0.868996,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3661426901817322},{"word":"should","start":1065.095,"end":1065.335,"confidence":0.97347236,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.48343485593795776},{"word":"make","start":1065.335,"end":1065.4149,"confidence":0.9988714,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.39928293228149414},{"word":"it","start":1065.4149,"end":1065.575,"confidence":0.8518923,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.43156373500823975},{"word":"quite","start":1065.575,"end":1065.735,"confidence":0.9988859,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.4700463712215424},{"word":"a","start":1065.735,"end":1065.815,"confidence":0.99611264,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.47353944182395935},{"word":"simple","start":1065.815,"end":1066.1349,"confidence":0.9999057,"punctuated_word":"simple","sentiment":"positive","sentiment_score":0.4447233974933624},{"word":"process","start":1066.1349,"end":1066.455,"confidence":0.9998944,"punctuated_word":"process","sentiment":"positive","sentiment_score":0.3750857710838318},{"word":"in","start":1066.455,"end":1066.615,"confidence":0.9982059,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.395879864692688},{"word":"regards","start":1066.615,"end":1066.9349,"confidence":0.99920195,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.31362876296043396},{"word":"to","start":1066.9349,"end":1067.095,"confidence":0.99864894,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3690783083438874},{"word":"setting","start":1067.095,"end":1067.335,"confidence":0.9994842,"punctuated_word":"setting","sentiment":"positive","sentiment_score":0.3537665009498596},{"word":"up","start":1067.335,"end":1067.495,"confidence":0.99948573,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3747939467430115},{"word":"that","start":1067.495,"end":1067.6549,"confidence":0.99732673,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30084165930747986},{"word":"will","start":1067.6549,"end":1067.815,"confidence":0.92664194,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.10043983906507492},{"word":"we","start":1067.815,"end":1067.975,"confidence":0.99975616,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1946861445903778},{"word":"can","start":1067.975,"end":1068.1349,"confidence":0.9999329,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2530640959739685},{"word":"refer","start":1068.1349,"end":1068.375,"confidence":0.9995432,"punctuated_word":"refer","sentiment":"neutral","sentiment_score":0.19818371534347537},{"word":"you","start":1068.375,"end":1068.5349,"confidence":0.9897522,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3388928771018982},{"word":"to","start":1068.5349,"end":1068.615,"confidence":0.9997112,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18848544359207153},{"word":"a","start":1068.615,"end":1068.695,"confidence":0.99748176,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2696278691291809},{"word":"local","start":1068.695,"end":1069.0149,"confidence":0.9992918,"punctuated_word":"local","sentiment":"neutral","sentiment_score":0.22206515073776245},{"word":"solicitor","start":1069.0149,"end":1069.4149,"confidence":0.9982799,"punctuated_word":"solicitor","sentiment":"neutral","sentiment_score":0.24558286368846893},{"word":"and","start":1069.4149,"end":1069.575,"confidence":0.7095211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11782067269086838},{"word":"their","start":1069.575,"end":1069.735,"confidence":0.9959163,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.14366552233695984},{"word":"pricing","start":1069.735,"end":1070.0549,"confidence":0.9997987,"punctuated_word":"pricing","sentiment":"neutral","sentiment_score":0.11446640640497208},{"word":"if","start":1070.0549,"end":1070.215,"confidence":0.95181715,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2141646146774292},{"word":"you","start":1070.215,"end":1070.2949,"confidence":0.9993486,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2313792109489441},{"word":"ever","start":1070.2949,"end":1070.5349,"confidence":0.99938977,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.20632237195968628},{"word":"wanted","start":1070.5349,"end":1070.7749,"confidence":0.9995809,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.17452725768089294},{"word":"it","start":1070.7749,"end":1071.06,"confidence":0.8044603,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1914246380329132},{"word":"but","start":1071.54,"end":1071.7001,"confidence":0.7374973,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.23403428494930267},{"word":"also","start":1071.7001,"end":1071.9401,"confidence":0.99969435,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":0.2584322690963745},{"word":"if","start":1071.9401,"end":1072.02,"confidence":0.9997762,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.36735284328460693},{"word":"you","start":1072.02,"end":1072.1001,"confidence":0.999337,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3883817791938782},{"word":"find","start":1072.1001,"end":1072.3401,"confidence":0.9749205,"punctuated_word":"find","sentiment":"positive","sentiment_score":0.39999327063560486},{"word":"someone","start":1072.3401,"end":1072.66,"confidence":0.64938784,"punctuated_word":"someone","sentiment":"positive","sentiment_score":0.4043451249599457},{"word":"local","start":1072.66,"end":1072.9,"confidence":0.9898022,"punctuated_word":"local","sentiment":"positive","sentiment_score":0.45104652643203735},{"word":"that","start":1072.9,"end":1073.14,"confidence":0.9808442,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4412098824977875},{"word":"you're","start":1073.14,"end":1073.3,"confidence":0.998042,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5586516857147217},{"word":"happy","start":1073.3,"end":1073.54,"confidence":0.99983096,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5230743885040283},{"word":"with","start":1073.54,"end":1073.7001,"confidence":0.98478854,"punctuated_word":"with,","sentiment":"positive","sentiment_score":0.5201364159584045},{"word":"that's","start":1073.7001,"end":1073.8601,"confidence":0.9947483,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.6163403987884521},{"word":"more","start":1073.8601,"end":1074.02,"confidence":0.90381336,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.6961804032325745},{"word":"than","start":1074.02,"end":1074.18,"confidence":0.99272424,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.6253117918968201},{"word":"fine","start":1074.18,"end":1074.3401,"confidence":0.9949293,"punctuated_word":"fine","sentiment":"positive","sentiment_score":0.5198588967323303},{"word":"as","start":1074.3401,"end":1074.5,"confidence":0.99979824,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.44692572951316833},{"word":"well","start":1074.5,"end":1075.0,"confidence":0.99977916,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3488553762435913},{"word":"as","start":1075.3,"end":1075.38,"confidence":0.9824454,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.12809929251670835},{"word":"far","start":1075.38,"end":1075.54,"confidence":0.999864,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.05976579338312149},{"word":"as","start":1075.54,"end":1075.7001,"confidence":0.9992281,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05747540295124054},{"word":"the","start":1075.7001,"end":1075.8601,"confidence":0.9372516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.113204225897789},{"word":"remuneration","start":1075.8601,"end":1076.3601,"confidence":0.9983382,"punctuated_word":"remuneration","sentiment":"neutral","sentiment_score":0.07143709808588028},{"word":"fee","start":1076.42,"end":1076.5,"confidence":0.95438194,"punctuated_word":"fee,","sentiment":"neutral","sentiment_score":0.042313456535339355},{"word":"it","start":1076.5,"end":1076.5801,"confidence":0.98118365,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.050514861941337585},{"word":"is","start":1076.5801,"end":1076.7401,"confidence":0.9544167,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04289970174431801},{"word":"1.65%","start":1076.7401,"end":1077.9401,"confidence":0.9816047,"punctuated_word":"1.65%,","sentiment":"neutral","sentiment_score":0.0762442946434021},{"word":"which","start":1077.9401,"end":1078.18,"confidence":0.99977547,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.09507137537002563},{"word":"is","start":1078.18,"end":1078.42,"confidence":0.9995497,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.057546600699424744},{"word":"that","start":1078.42,"end":1078.66,"confidence":0.9167951,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09090065211057664},{"word":"$3,529","start":1078.66,"end":1080.7401,"confidence":0.9879153,"punctuated_word":"$3,529","sentiment":"neutral","sentiment_score":0.0779736265540123},{"word":"per","start":1080.7401,"end":1080.9801,"confidence":0.6361769,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.06469465792179108},{"word":"year's","start":1080.9801,"end":1081.2201,"confidence":0.89389133,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":0.07439463585615158},{"word":"worth","start":1081.2201,"end":1081.38,"confidence":0.97230273,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.060781367123126984},{"word":"of","start":1081.38,"end":1081.54,"confidence":0.9772649,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07249867916107178},{"word":"premiums","start":1081.54,"end":1081.8601,"confidence":0.8665101,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.06306079775094986},{"word":"with","start":1081.8601,"end":1082.02,"confidence":0.9904143,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07786332070827484},{"word":"growth","start":1082.02,"end":1082.52,"confidence":0.99311805,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.08898670971393585},{"word":"based","start":1082.7401,"end":1082.9801,"confidence":0.73460597,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.08544880151748657},{"word":"on","start":1082.9801,"end":1083.14,"confidence":0.97640413,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07399065047502518},{"word":"that","start":1083.14,"end":1083.3,"confidence":0.95241135,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06418278813362122},{"word":"percentage","start":1083.3,"end":1083.675,"confidence":0.76431566,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.06430862843990326},{"word":"fee","start":1083.675,"end":1083.915,"confidence":0.9506463,"punctuated_word":"fee.","sentiment":"neutral","sentiment_score":0.04520575702190399},{"word":"as","start":1083.915,"end":1084.035,"confidence":0.99899155,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.054324790835380554},{"word":"i","start":1084.035,"end":1084.155,"confidence":0.99902797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.051720455288887024},{"word":"said","start":1084.155,"end":1084.4751,"confidence":0.9864059,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.04910442978143692},{"word":"that","start":1084.4751,"end":1084.635,"confidence":0.99916804,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06313788890838623},{"word":"can","start":1084.635,"end":1084.875,"confidence":0.99972075,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04688579589128494},{"word":"fluctuate","start":1084.875,"end":1085.275,"confidence":0.9998975,"punctuated_word":"fluctuate","sentiment":"neutral","sentiment_score":0.042843516916036606},{"word":"with","start":1085.275,"end":1085.435,"confidence":0.99944586,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.022475771605968475},{"word":"the","start":1085.435,"end":1085.515,"confidence":0.9982981,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02268855646252632},{"word":"market","start":1085.515,"end":1085.8351,"confidence":0.6184167,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":0.009254125878214836},{"word":"so","start":1085.8351,"end":1085.995,"confidence":0.8087585,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.01195872202515602},{"word":"it","start":1085.995,"end":1086.155,"confidence":0.79278785,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03166532516479492},{"word":"goes","start":1086.155,"end":1086.4751,"confidence":0.90493536,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.045448869466781616},{"word":"up","start":1086.4751,"end":1086.555,"confidence":0.99982977,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.035316742956638336},{"word":"and","start":1086.555,"end":1086.7151,"confidence":0.9994363,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.019984036684036255},{"word":"down","start":1086.7151,"end":1086.9551,"confidence":0.9992957,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.015675004571676254},{"word":"with","start":1086.9551,"end":1087.115,"confidence":0.9991099,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0185183547437191},{"word":"the","start":1087.115,"end":1087.515,"confidence":0.80902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009624112397432327},{"word":"with","start":1087.675,"end":1087.915,"confidence":0.99972004,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.012372173368930817},{"word":"that","start":1087.915,"end":1088.3151,"confidence":0.99916255,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.019961263984441757},{"word":"on","start":1088.3151,"end":1088.4751,"confidence":0.79667693,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02406468614935875},{"word":"a","start":1088.4751,"end":1088.555,"confidence":0.9985102,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.013994550332427025},{"word":"monthly","start":1088.555,"end":1088.9551,"confidence":0.999539,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.02542783319950104},{"word":"basis","start":1088.9551,"end":1089.4551,"confidence":0.76068306,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.017665360122919083},{"word":"but","start":1089.995,"end":1090.2351,"confidence":0.9975314,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03763545677065849},{"word":"that's","start":1090.2351,"end":1090.395,"confidence":0.99915445,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05739612504839897},{"word":"just","start":1090.395,"end":1090.635,"confidence":0.9992724,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.059105660766363144},{"word":"the","start":1090.635,"end":1090.795,"confidence":0.9995447,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0669434443116188},{"word":"estimated","start":1090.795,"end":1091.1951,"confidence":0.99914455,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":0.09705649316310884},{"word":"fee","start":1091.1951,"end":1091.515,"confidence":0.9898157,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.08460552990436554},{"word":"based","start":1091.515,"end":1091.675,"confidence":0.99936587,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.07214798033237457},{"word":"on","start":1091.675,"end":1091.8351,"confidence":0.99986994,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12481918931007384},{"word":"the","start":1091.8351,"end":1091.915,"confidence":0.99954295,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.122431218624115},{"word":"recommendation","start":1091.915,"end":1092.415,"confidence":0.9994124,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.1315615028142929},{"word":"that","start":1092.635,"end":1092.7151,"confidence":0.9997719,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.128193661570549},{"word":"was","start":1092.7151,"end":1092.9551,"confidence":0.9999163,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.13616129755973816},{"word":"made","start":1092.9551,"end":1093.4551,"confidence":0.9973676,"punctuated_word":"made.","sentiment":"neutral","sentiment_score":0.11677034199237823},{"word":"from","start":1094.795,"end":1095.295,"confidence":0.94939506,"punctuated_word":"From","sentiment":"neutral","sentiment_score":0.10654263943433762},{"word":"there","start":1095.3551,"end":1095.8551,"confidence":0.9782542,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.09177873283624648},{"word":"obviously","start":1095.995,"end":1096.395,"confidence":0.99328417,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.1030011922121048},{"word":"you","start":1096.395,"end":1096.4751,"confidence":0.9980597,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12337123602628708},{"word":"know","start":1096.4751,"end":1096.635,"confidence":0.9948688,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.13606658577919006},{"word":"you","start":1096.635,"end":1096.875,"confidence":0.9828766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1999535858631134},{"word":"do","start":1096.875,"end":1096.9551,"confidence":0.9957699,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1394520401954651},{"word":"still","start":1096.9551,"end":1097.275,"confidence":0.9985904,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.14118865132331848},{"word":"have","start":1097.275,"end":1097.755,"confidence":0.99987006,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17493924498558044},{"word":"your","start":1097.755,"end":1097.995,"confidence":0.7740807,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15397296845912933},{"word":"annual","start":1097.995,"end":1098.2351,"confidence":0.6876861,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.16727876663208008},{"word":"review","start":1098.2351,"end":1098.555,"confidence":0.95815665,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.12248072028160097},{"word":"that","start":1098.555,"end":1098.7151,"confidence":0.96935016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1389617919921875},{"word":"we'll","start":1098.7151,"end":1098.9551,"confidence":0.78259796,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.16146206855773926},{"word":"we'll","start":1098.9551,"end":1099.38,"confidence":0.72342354,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1628524512052536},{"word":"touch","start":1099.46,"end":1099.7,"confidence":0.9346474,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.13583122193813324},{"word":"on","start":1099.7,"end":1099.86,"confidence":0.99917406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16930516064167023},{"word":"those","start":1099.86,"end":1100.18,"confidence":0.9992737,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1470639854669571},{"word":"as","start":1100.18,"end":1100.42,"confidence":0.99963117,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1287052184343338},{"word":"well","start":1100.42,"end":1100.82,"confidence":0.71339816,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.14257043600082395},{"word":"any","start":1100.82,"end":1101.14,"confidence":0.56686145,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08912056684494019},{"word":"concerns","start":1101.14,"end":1101.62,"confidence":0.9971686,"punctuated_word":"concerns","sentiment":"neutral","sentiment_score":0.00733446329832077},{"word":"you","start":1101.62,"end":1101.78,"confidence":0.9996301,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10859634727239607},{"word":"may","start":1101.78,"end":1101.9401,"confidence":0.99956757,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.029805663973093033},{"word":"have","start":1101.9401,"end":1102.4401,"confidence":0.88387585,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.051113106310367584},{"word":"but","start":1102.82,"end":1102.98,"confidence":0.9763629,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08196814358234406},{"word":"that","start":1102.98,"end":1103.14,"confidence":0.99886227,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1358894109725952},{"word":"is","start":1103.14,"end":1103.38,"confidence":0.9998869,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10480719804763794},{"word":"a","start":1103.38,"end":1103.54,"confidence":0.99954224,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14460331201553345},{"word":"really","start":1103.54,"end":1103.86,"confidence":0.99988353,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.1626693457365036},{"word":"brief","start":1103.86,"end":1104.36,"confidence":0.99977,"punctuated_word":"brief","sentiment":"neutral","sentiment_score":0.1341198980808258},{"word":"run","start":1104.42,"end":1104.66,"confidence":0.99879044,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.1397581845521927},{"word":"through","start":1104.66,"end":1105.16,"confidence":0.98315096,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14752472937107086},{"word":"of","start":1105.46,"end":1105.7,"confidence":0.9996439,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22484590113162992},{"word":"the","start":1105.7,"end":1105.86,"confidence":0.99900514,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17607849836349487},{"word":"advice","start":1105.86,"end":1106.18,"confidence":0.64264154,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1400441974401474},{"word":"there","start":1106.18,"end":1106.42,"confidence":0.771001,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.11325804889202118},{"word":"now","start":1106.42,"end":1106.58,"confidence":0.50960773,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.03680122643709183},{"word":"if","start":1106.58,"end":1106.74,"confidence":0.7726035,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.029724694788455963},{"word":"you","start":1106.74,"end":1106.9,"confidence":0.928285,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04546971619129181},{"word":"have","start":1106.9,"end":1106.98,"confidence":0.99484825,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03753172233700752},{"word":"any","start":1106.98,"end":1107.14,"confidence":0.99732345,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.031702540814876556},{"word":"questions","start":1107.14,"end":1107.54,"confidence":0.99927527,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.03410380333662033},{"word":"regarding","start":1107.54,"end":1107.9401,"confidence":0.999567,"punctuated_word":"regarding","sentiment":"neutral","sentiment_score":0.014463495463132858},{"word":"that","start":1107.9401,"end":1108.1,"confidence":0.9759595,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.021726693958044052},{"word":"the","start":1108.1,"end":1108.26,"confidence":0.99981207,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018807772547006607},{"word":"investment","start":1108.26,"end":1108.74,"confidence":0.9996346,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.017051268368959427},{"word":"recommendation","start":1108.74,"end":1109.24,"confidence":0.99915445,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":-0.021744832396507263},{"word":"or","start":1109.46,"end":1109.62,"confidence":0.5226129,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09704113006591795},{"word":"not","start":1111.635,"end":1111.795,"confidence":0.9865413,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.3749164342880249},{"word":"a","start":1111.795,"end":1111.875,"confidence":0.9990096,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.42364439368247986},{"word":"problem","start":1111.875,"end":1112.375,"confidence":0.9995763,"punctuated_word":"problem.","sentiment":"positive","sentiment_score":0.4318064749240875},{"word":"once","start":1112.435,"end":1112.675,"confidence":0.8481494,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.29062509536743164},{"word":"you","start":1112.675,"end":1112.835,"confidence":0.999183,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3154350519180298},{"word":"were","start":1112.835,"end":1112.995,"confidence":0.9412813,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.31618213653564453},{"word":"to","start":1112.995,"end":1113.0751,"confidence":0.9906809,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32254961133003235},{"word":"sign","start":1113.0751,"end":1113.3151,"confidence":0.9983551,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.23501989245414737},{"word":"that","start":1113.3151,"end":1113.475,"confidence":0.9962136,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2539825439453125},{"word":"document","start":1113.475,"end":1113.875,"confidence":0.99716747,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.25836116075515747},{"word":"they","start":1113.875,"end":1113.9551,"confidence":0.98086435,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.3079518973827362},{"word":"can","start":1113.9551,"end":1114.115,"confidence":0.99972373,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.28401342034339905},{"word":"start","start":1114.115,"end":1114.275,"confidence":0.9968431,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.2994905412197113},{"word":"the","start":1114.275,"end":1114.435,"confidence":0.99852556,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3237403631210327},{"word":"implementation","start":1114.435,"end":1114.935,"confidence":0.9998609,"punctuated_word":"implementation","sentiment":"neutral","sentiment_score":0.29676908254623413},{"word":"of","start":1114.995,"end":1115.0751,"confidence":0.9996916,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3002319931983948},{"word":"that","start":1115.0751,"end":1115.5751,"confidence":0.99783564,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.3156796097755432},{"word":"i","start":1115.875,"end":1116.035,"confidence":0.983781,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24793429672718048},{"word":"can","start":1116.035,"end":1116.1951,"confidence":0.9996916,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.25150787830352783},{"word":"make","start":1116.1951,"end":1116.355,"confidence":0.9999169,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3355102837085724},{"word":"a","start":1116.355,"end":1116.435,"confidence":0.99944216,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.36500710248947144},{"word":"note","start":1116.435,"end":1116.675,"confidence":0.99973875,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.2625519335269928},{"word":"of","start":1116.675,"end":1116.755,"confidence":0.97696805,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3146912753582001},{"word":"here","start":1116.755,"end":1116.995,"confidence":0.9831662,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.28988340497016907},{"word":"to","start":1116.995,"end":1117.235,"confidence":0.99771607,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.33332040905952454},{"word":"to","start":1117.235,"end":1117.3151,"confidence":0.988524,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32004085183143616},{"word":"send","start":1117.3151,"end":1117.555,"confidence":0.99969864,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.27235910296440125},{"word":"you","start":1117.555,"end":1117.715,"confidence":0.9920334,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30587735772132874},{"word":"your","start":1117.715,"end":1117.875,"confidence":0.7909488,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2710200548171997},{"word":"contribution","start":1117.875,"end":1118.375,"confidence":0.9992217,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.23800380527973175},{"word":"details","start":1118.435,"end":1118.675,"confidence":0.7703455,"punctuated_word":"details.","sentiment":"neutral","sentiment_score":0.2858376204967499},{"word":"so","start":1118.675,"end":1118.915,"confidence":0.99625754,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2138168066740036},{"word":"just","start":1118.915,"end":1119.0751,"confidence":0.9763406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22585009038448337},{"word":"so","start":1119.0751,"end":1119.235,"confidence":0.8213484,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.25702255964279175},{"word":"you","start":1119.235,"end":1119.3151,"confidence":0.99925977,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29536449909210205},{"word":"have","start":1119.3151,"end":1119.475,"confidence":0.99788123,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.28757593035697937},{"word":"that","start":1119.475,"end":1119.635,"confidence":0.99975985,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2791230082511902},{"word":"for","start":1119.635,"end":1119.795,"confidence":0.9931884,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22417576611042023},{"word":"when","start":1119.795,"end":1119.9551,"confidence":0.9984743,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2212089896202087},{"word":"you","start":1119.9551,"end":1120.035,"confidence":0.99754083,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21716342866420743},{"word":"run","start":1120.035,"end":1120.275,"confidence":0.942862,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.22803431749343872},{"word":"it","start":1120.275,"end":1120.355,"confidence":0.5558373,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2228727787733078},{"word":"start","start":1120.515,"end":1120.675,"confidence":0.99785525,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.18176966905593872},{"word":"doing","start":1120.675,"end":1120.915,"confidence":0.99980253,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.1955740600824356},{"word":"that","start":1120.915,"end":1121.0751,"confidence":0.75657326,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.2251024842262268},{"word":"if","start":1121.0751,"end":1121.235,"confidence":0.98544115,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.24880778789520264},{"word":"that's","start":1121.235,"end":1121.635,"confidence":0.85734546,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2574150562286377},{"word":"something","start":1121.635,"end":1121.9551,"confidence":0.98738503,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.30821871757507324},{"word":"you","start":1121.9551,"end":1122.035,"confidence":0.98473364,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3000960350036621},{"word":"wanted","start":1122.035,"end":1122.355,"confidence":0.9975447,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.2604893743991852},{"word":"to","start":1122.355,"end":1122.435,"confidence":0.99898833,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24310334026813507},{"word":"do","start":1122.435,"end":1122.595,"confidence":0.9343047,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.2508254051208496},{"word":"even","start":1122.595,"end":1122.755,"confidence":0.99963284,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.13968807458877563},{"word":"if","start":1122.755,"end":1122.915,"confidence":0.9994803,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1726156771183014},{"word":"you","start":1122.915,"end":1122.995,"confidence":0.99918073,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2230159044265747},{"word":"don't","start":1122.995,"end":1123.155,"confidence":0.9990481,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.15987849235534668},{"word":"proceed","start":1123.155,"end":1123.395,"confidence":0.9886833,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.07966497540473938},{"word":"with","start":1123.395,"end":1123.555,"confidence":0.9997867,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1314738392829895},{"word":"the","start":1123.555,"end":1123.635,"confidence":0.9988961,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11781127005815506},{"word":"advice","start":1123.635,"end":1123.9551,"confidence":0.9345916,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.08181282877922058},{"word":"if","start":1123.9551,"end":1124.035,"confidence":0.87991035,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19410061836242676},{"word":"you","start":1124.035,"end":1124.115,"confidence":0.9987405,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2836875319480896},{"word":"started","start":1124.115,"end":1124.355,"confidence":0.8570637,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.2529069483280182},{"word":"one","start":1124.355,"end":1124.515,"confidence":0.40251398,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2989675998687744},{"word":"of","start":1124.515,"end":1124.595,"confidence":0.6630133,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19371297955513},{"word":"putting","start":1124.595,"end":1124.835,"confidence":0.991197,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.2901151180267334},{"word":"some","start":1124.835,"end":1124.995,"confidence":0.9944905,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.29704517126083374},{"word":"money","start":1124.995,"end":1125.155,"confidence":0.999795,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.2363080382347107},{"word":"into","start":1125.155,"end":1125.475,"confidence":0.995261,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1988057792186737},{"word":"super","start":1125.475,"end":1125.975,"confidence":0.97733665,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.27875640988349915},{"word":"that's","start":1126.07,"end":1126.3099,"confidence":0.99990445,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.39458292722702026},{"word":"more","start":1126.3099,"end":1126.47,"confidence":0.9999306,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4074882566928863},{"word":"than","start":1126.47,"end":1126.63,"confidence":0.9998851,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.382529079914093},{"word":"fine","start":1126.63,"end":1127.13,"confidence":0.9973936,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.26943355798721313},{"word":"when","start":1127.19,"end":1127.35,"confidence":0.8808552,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.12150045484304428},{"word":"you","start":1127.35,"end":1127.4299,"confidence":0.99983287,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1328035593032837},{"word":"get","start":1127.4299,"end":1127.59,"confidence":0.9999664,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10753193497657776},{"word":"to","start":1127.59,"end":1127.67,"confidence":0.99954224,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14450311660766602},{"word":"the","start":1127.67,"end":1127.75,"confidence":0.999721,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11909247189760208},{"word":"end","start":1127.75,"end":1127.83,"confidence":0.99991584,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.11872045695781708},{"word":"of","start":1127.83,"end":1127.99,"confidence":0.9992188,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09277377277612686},{"word":"the","start":1127.99,"end":1128.07,"confidence":0.99908984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10522094368934631},{"word":"financial","start":1128.07,"end":1128.55,"confidence":0.9986425,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.08398135006427765},{"word":"year","start":1128.55,"end":1128.79,"confidence":0.9984791,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.07994106411933899},{"word":"feel","start":1128.79,"end":1128.95,"confidence":0.9995598,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.1344287395477295},{"word":"free","start":1128.95,"end":1129.11,"confidence":0.9998965,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.15491637587547302},{"word":"to","start":1129.11,"end":1129.19,"confidence":0.999542,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12417470663785934},{"word":"give","start":1129.19,"end":1129.35,"confidence":0.9997857,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.11938154697418212},{"word":"us","start":1129.35,"end":1129.4299,"confidence":0.9997029,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.11925611644983292},{"word":"a","start":1129.4299,"end":1129.51,"confidence":0.9988116,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13705095648765564},{"word":"call","start":1129.51,"end":1129.75,"confidence":0.9998159,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.14421208202838898},{"word":"if","start":1129.75,"end":1129.91,"confidence":0.94343233,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1467827558517456},{"word":"you","start":1129.91,"end":1129.99,"confidence":0.99923396,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1444804072380066},{"word":"do","start":1129.99,"end":1130.15,"confidence":0.9997203,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06896153092384338},{"word":"start","start":1130.15,"end":1130.3099,"confidence":0.9992048,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.09481114149093628},{"word":"doing","start":1130.3099,"end":1130.47,"confidence":0.99991846,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.13751527667045593},{"word":"that","start":1130.47,"end":1130.63,"confidence":0.89436865,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.10042685270309448},{"word":"but","start":1130.63,"end":1130.87,"confidence":0.9997162,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.026015467941761017},{"word":"don't","start":1130.87,"end":1130.95,"confidence":0.9998541,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.055190861225128174},{"word":"take","start":1130.95,"end":1131.11,"confidence":0.999954,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.0612434446811676},{"word":"on","start":1131.11,"end":1131.27,"confidence":0.99962115,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0580911785364151},{"word":"the","start":1131.27,"end":1131.4299,"confidence":0.9997248,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.003673017024993897},{"word":"advice","start":1131.4299,"end":1131.75,"confidence":0.99798214,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.09197650104761124},{"word":"just","start":1131.75,"end":1131.91,"confidence":0.9215347,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.031307339668273926},{"word":"so","start":1131.91,"end":1132.07,"confidence":0.9996569,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0011723116040229795},{"word":"we","start":1132.07,"end":1132.23,"confidence":0.99982196,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06749001890420914},{"word":"can","start":1132.23,"end":1132.39,"confidence":0.99978894,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10392114520072936},{"word":"look","start":1132.39,"end":1132.55,"confidence":0.9995977,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09678220748901369},{"word":"at","start":1132.55,"end":1132.95,"confidence":0.9988912,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08552558720111847},{"word":"options","start":1132.95,"end":1133.27,"confidence":0.99945205,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.07928401231765747},{"word":"if","start":1133.27,"end":1133.4299,"confidence":0.88638127,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05655323714017868},{"word":"you","start":1133.4299,"end":1133.51,"confidence":0.9998814,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08531944453716278},{"word":"wanna","start":1133.51,"end":1133.75,"confidence":0.9604583,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13017942011356354},{"word":"claim","start":1133.75,"end":1133.99,"confidence":0.9970626,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.05717829614877701},{"word":"notice","start":1133.99,"end":1134.3099,"confidence":0.8557932,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.05439305305480957},{"word":"of","start":1134.3099,"end":1134.39,"confidence":0.9781181,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03729731589555741},{"word":"intent","start":1134.39,"end":1134.71,"confidence":0.9322983,"punctuated_word":"intent,","sentiment":"neutral","sentiment_score":0.005500856786966324},{"word":"things","start":1134.71,"end":1134.87,"confidence":0.99893767,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.028223522007465363},{"word":"like","start":1134.87,"end":1135.03,"confidence":0.9996927,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.014571014791727066},{"word":"that","start":1135.03,"end":1135.27,"confidence":0.96730155,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.03845816105604172},{"word":"but","start":1135.27,"end":1135.35,"confidence":0.9957535,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0270344577729702},{"word":"given","start":1135.35,"end":1135.59,"confidence":0.9859446,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.04115176573395729},{"word":"you","start":1135.59,"end":1135.75,"confidence":0.99631554,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0039923712611198425},{"word":"aren't","start":1135.75,"end":1135.99,"confidence":0.98593795,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.014309659600257874},{"word":"working","start":1135.99,"end":1136.49,"confidence":0.9983422,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":-0.06718041002750397},{"word":"it","start":1136.55,"end":1136.79,"confidence":0.99959975,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.004895024001598358},{"word":"doesn't","start":1136.79,"end":1137.11,"confidence":0.9990084,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.012261624448001385},{"word":"make","start":1137.11,"end":1137.35,"confidence":0.99960715,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.029657475650310516},{"word":"a","start":1137.35,"end":1137.4299,"confidence":0.99893373,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.009310506284236908},{"word":"huge","start":1137.4299,"end":1137.83,"confidence":0.999985,"punctuated_word":"huge","sentiment":"neutral","sentiment_score":-0.012939542531967165},{"word":"difference","start":1137.83,"end":1138.23,"confidence":0.9997316,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.011277005076408386},{"word":"whether","start":1138.23,"end":1138.39,"confidence":0.9445113,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.008201994001865387},{"word":"you","start":1138.39,"end":1138.47,"confidence":0.9985228,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01179713010787964},{"word":"claim","start":1138.47,"end":1138.71,"confidence":0.955309,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.022134892642498016},{"word":"it","start":1138.71,"end":1138.87,"confidence":0.9741338,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.011626392602920532},{"word":"or","start":1138.87,"end":1138.95,"confidence":0.9874357,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02078867703676224},{"word":"not","start":1138.95,"end":1139.11,"confidence":0.9770141,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.04702810198068619},{"word":"it","start":1139.11,"end":1139.19,"confidence":0.9987956,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.03327685222029686},{"word":"doesn't","start":1139.19,"end":1139.51,"confidence":0.99987483,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.042846232652664185},{"word":"give","start":1139.51,"end":1139.67,"confidence":0.99986696,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.06102364510297775},{"word":"you","start":1139.67,"end":1139.83,"confidence":0.9995889,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.036312881857156754},{"word":"that","start":1139.83,"end":1139.99,"confidence":0.9997105,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.030467133969068527},{"word":"tax","start":1139.99,"end":1140.23,"confidence":0.99983907,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.11403004080057144},{"word":"benefit","start":1140.23,"end":1140.71,"confidence":0.99983406,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":-0.09684426337480544},{"word":"really","start":1140.71,"end":1141.155,"confidence":0.65797293,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.040458109229803085},{"word":"in","start":1141.635,"end":1141.875,"confidence":0.99923253,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.00797779019922018},{"word":"regards","start":1141.875,"end":1142.275,"confidence":0.9976792,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.033472880721092224},{"word":"to","start":1142.275,"end":1142.435,"confidence":0.9943657,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03878024220466614},{"word":"money","start":1142.435,"end":1142.755,"confidence":0.75245863,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.3043102025985718},{"word":"back","start":1142.755,"end":1143.255,"confidence":0.97594905,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.25629064440727234},{"word":"perfect","start":1144.035,"end":1144.535,"confidence":0.97596765,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6428716778755188},{"word":"but","start":1145.395,"end":1145.555,"confidence":0.93586093,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.14873267710208893},{"word":"any","start":1145.555,"end":1145.795,"confidence":0.9960602,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.09363700449466704},{"word":"questions","start":1145.795,"end":1146.1951,"confidence":0.96549714,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.05570314452052117},{"word":"concerns","start":1146.1951,"end":1146.595,"confidence":0.9998431,"punctuated_word":"concerns","sentiment":"neutral","sentiment_score":-0.03859245032072067},{"word":"for","start":1146.595,"end":1146.755,"confidence":0.973544,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.045626167207956314},{"word":"me","start":1146.755,"end":1146.915,"confidence":0.9969422,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04610459506511688},{"word":"now","start":1146.915,"end":1147.155,"confidence":0.72150385,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.05252686142921448},{"word":"obviously","start":1147.155,"end":1147.555,"confidence":0.8728163,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.06607984006404877},{"word":"it's","start":1147.555,"end":1147.7151,"confidence":0.99938786,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0946880429983139},{"word":"a","start":1147.7151,"end":1147.795,"confidence":0.9990896,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11670704185962676},{"word":"very","start":1147.795,"end":1148.035,"confidence":0.9996886,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.14873561263084412},{"word":"quick","start":1148.035,"end":1148.1951,"confidence":0.99971706,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.2100730538368225},{"word":"run","start":1148.1951,"end":1148.355,"confidence":0.9989201,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.129640132188797},{"word":"through","start":1148.355,"end":1148.675,"confidence":0.89667034,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.1441091001033783},{"word":"but","start":1148.675,"end":1149.0751,"confidence":0.9998386,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.13313722610473633},{"word":"anything","start":1149.0751,"end":1149.395,"confidence":0.9942794,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.08656055480241776},{"word":"else","start":1149.395,"end":1149.635,"confidence":0.9997191,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.06259548664093018},{"word":"that","start":1149.635,"end":1149.795,"confidence":0.99938667,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.052507903426885605},{"word":"you","start":1149.795,"end":1149.9551,"confidence":0.9998449,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034197140485048294},{"word":"want","start":1149.9551,"end":1150.1951,"confidence":0.48777992,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.02362046390771866},{"word":"to","start":1150.1951,"end":1150.275,"confidence":0.9851055,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03283232823014259},{"word":"touch","start":1150.275,"end":1150.435,"confidence":0.99971515,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.051926761865615845},{"word":"on","start":1150.435,"end":1150.675,"confidence":0.99925774,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07564432919025421},{"word":"while","start":1150.675,"end":1150.8351,"confidence":0.5765531,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.05409505218267441},{"word":"you've","start":1150.8351,"end":1151.0751,"confidence":0.99812746,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.06063325330615043},{"word":"got","start":1151.0751,"end":1151.235,"confidence":0.9995555,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04458186402916908},{"word":"me","start":1151.235,"end":1151.395,"confidence":0.9996037,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04354853928089142},{"word":"there","start":1151.395,"end":1151.895,"confidence":0.9909129,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.047325678169727325},{"word":"not","start":1159.49,"end":1159.65,"confidence":0.9982222,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.48363739252090454},{"word":"a","start":1159.65,"end":1159.81,"confidence":0.99947494,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3598151206970215},{"word":"problem","start":1159.81,"end":1160.05,"confidence":0.9996668,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.42270779609680176},{"word":"at","start":1160.05,"end":1160.13,"confidence":0.9981432,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4862714111804962},{"word":"all","start":1160.13,"end":1160.37,"confidence":0.9673476,"punctuated_word":"all,","sentiment":"positive","sentiment_score":0.4794299304485321},{"word":"nave","start":1160.37,"end":1160.6901,"confidence":0.67262644,"punctuated_word":"Nave.","sentiment":"positive","sentiment_score":0.5308899879455566},{"word":"well","start":1160.6901,"end":1160.8501,"confidence":0.9901335,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.7190687656402588},{"word":"you","start":1160.8501,"end":1161.01,"confidence":0.99925023,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7537311911582947},{"word":"enjoy","start":1161.01,"end":1161.49,"confidence":0.9988495,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.7796260714530945},{"word":"the","start":1161.49,"end":1161.65,"confidence":0.99947006,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.8101869821548462},{"word":"rest","start":1161.65,"end":1161.9701,"confidence":0.99986553,"punctuated_word":"rest","sentiment":"positive","sentiment_score":0.7962554097175598},{"word":"of","start":1161.9701,"end":1162.2101,"confidence":0.9954295,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.8488063216209412},{"word":"your","start":1162.2101,"end":1162.37,"confidence":0.9951238,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8322647213935852},{"word":"day","start":1162.37,"end":1162.53,"confidence":0.892545,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.8179299831390381},{"word":"thanks","start":1162.53,"end":1162.8501,"confidence":0.9993469,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.8166121244430542},{"word":"for","start":1162.8501,"end":1163.25,"confidence":0.99820113,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8018567562103271},{"word":"your","start":1163.25,"end":1163.41,"confidence":0.9861102,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7633365392684937},{"word":"time","start":1163.41,"end":1163.81,"confidence":0.7393594,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.7636581659317017},{"word":"and","start":1163.81,"end":1163.9701,"confidence":0.81835294,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2270284593105316},{"word":"any","start":1163.9701,"end":1164.2101,"confidence":0.9963013,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.174574077129364},{"word":"questions","start":1164.2101,"end":1164.61,"confidence":0.9899721,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.12502843141555786},{"word":"i'll","start":1164.61,"end":1164.8501,"confidence":0.99986756,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07681269198656082},{"word":"shoot","start":1164.8501,"end":1165.0901,"confidence":0.9998367,"punctuated_word":"shoot","sentiment":"neutral","sentiment_score":0.094249427318573},{"word":"you","start":1165.0901,"end":1165.17,"confidence":0.99912673,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13410907983779907},{"word":"through","start":1165.17,"end":1165.67,"confidence":0.99977094,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1835259050130844},{"word":"an","start":1166.075,"end":1166.235,"confidence":0.9877901,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1074664369225502},{"word":"email","start":1166.235,"end":1166.475,"confidence":0.87389255,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.10561112314462662},{"word":"and","start":1166.475,"end":1166.715,"confidence":0.99946016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10390722751617432},{"word":"you","start":1166.715,"end":1166.795,"confidence":0.9998311,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16887836158275604},{"word":"can","start":1166.795,"end":1166.875,"confidence":0.9997658,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15305644273757937},{"word":"just","start":1166.875,"end":1167.115,"confidence":0.99757844,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17410331964492798},{"word":"respond","start":1167.115,"end":1167.355,"confidence":0.9999175,"punctuated_word":"respond","sentiment":"neutral","sentiment_score":0.13899333775043488},{"word":"to","start":1167.355,"end":1167.435,"confidence":0.9972007,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19248072803020477},{"word":"that","start":1167.435,"end":1167.515,"confidence":0.9998889,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21050196886062625},{"word":"with","start":1167.515,"end":1167.675,"confidence":0.9996997,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21371832489967343},{"word":"any","start":1167.675,"end":1167.835,"confidence":0.9990677,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.12479883432388306},{"word":"questions","start":1167.835,"end":1168.155,"confidence":0.99952555,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.14943408966064453},{"word":"you","start":1168.155,"end":1168.3151,"confidence":0.99806327,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12475889921188354},{"word":"might","start":1168.3151,"end":1168.395,"confidence":0.9998387,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.07077592611312866},{"word":"have","start":1168.395,"end":1168.555,"confidence":0.99977785,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08782597631216049},{"word":"in","start":1168.555,"end":1168.715,"confidence":0.9983119,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06858097016811371},{"word":"regards","start":1168.715,"end":1169.035,"confidence":0.9916502,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.09679699689149857},{"word":"to","start":1169.035,"end":1169.115,"confidence":0.99210584,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05871526896953583},{"word":"that","start":1169.115,"end":1169.355,"confidence":0.99931145,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.008740916848182678},{"word":"document","start":1169.355,"end":1169.855,"confidence":0.99158967,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.1249457374215126},{"word":"so","start":1170.555,"end":1170.795,"confidence":0.38354936,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6536118984222412},{"word":"easy","start":1170.795,"end":1171.035,"confidence":0.5110707,"punctuated_word":"easy,","sentiment":"positive","sentiment_score":0.6910671591758728},{"word":"mate","start":1171.035,"end":1171.195,"confidence":0.9813516,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.385014533996582},{"word":"well","start":1171.195,"end":1171.515,"confidence":0.8720741,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.5251933336257935},{"word":"enjoy","start":1171.515,"end":1171.915,"confidence":0.9982608,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.6095622777938843},{"word":"the","start":1171.915,"end":1171.995,"confidence":0.99842143,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6161764860153198},{"word":"rest","start":1171.995,"end":1172.115,"confidence":0.9999391,"punctuated_word":"rest","sentiment":"positive","sentiment_score":0.5995883345603943},{"word":"of","start":1172.115,"end":1172.235,"confidence":0.9954737,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.7122223377227783},{"word":"your","start":1172.235,"end":1172.395,"confidence":0.9965072,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6673566102981567},{"word":"day","start":1172.395,"end":1172.555,"confidence":0.995574,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.6471115350723267},{"word":"good","start":1172.555,"end":1172.715,"confidence":0.99890006,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.636875331401825},{"word":"luck","start":1172.715,"end":1172.875,"confidence":0.9999336,"punctuated_word":"luck","sentiment":"positive","sentiment_score":0.6085172295570374},{"word":"with","start":1172.875,"end":1173.115,"confidence":0.99610776,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.7051495909690857},{"word":"you","start":1173.115,"end":1173.275,"confidence":0.65472126,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.6512517333030701},{"word":"imam","start":1173.275,"end":1173.595,"confidence":0.5982485,"punctuated_word":"Imam.","sentiment":"positive","sentiment_score":0.6533850431442261},{"word":"hopefully","start":1173.595,"end":1173.995,"confidence":0.6727693,"punctuated_word":"Hopefully,","sentiment":"positive","sentiment_score":0.3558039367198944},{"word":"everything","start":1173.995,"end":1174.3151,"confidence":0.9755436,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.443489283323288},{"word":"goes","start":1174.3151,"end":1174.635,"confidence":0.998716,"punctuated_word":"goes","sentiment":"positive","sentiment_score":0.49667659401893616},{"word":"well","start":1174.635,"end":1175.135,"confidence":0.99921155,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.10382089018821716},{"word":"thanks","start":1176.155,"end":1176.475,"confidence":0.73704714,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.6634311676025391},{"word":"mate","start":1176.475,"end":1176.715,"confidence":0.9898211,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.6199346780776978},{"word":"bye","start":1176.715,"end":1177.215,"confidence":0.9914767,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.12154532223939896}],"paragraphs":{"transcript":"\nGood afternoon, Nate. It's Carl calling from HP Financial. How are you today? That's good to hear. I've got you scheduled in for your straight statement of last presentation.\n\nIs now still a good time for you? If you're a little bit busy, I know you're sort of caring for your your mother at the the moment there, we can sort of make it pretty quick. And if you can have a read through it in your spare time, if you have any questions, you can come back. Perfect. Just to jump into that today, Nave, if I can just pass through security with your name, date of birth, and current address, we can get stuck into that today.\n\nYep. So just full name, date of birth, and card notice will get going. Perfect. And just given the time that has elapsed since we last sort of spoke to Naif, have anything in regards to your employment or anything changed at the moment? Yep.\n\nAnd then I know you did have that payout when you were made redundant there. Has that sort of mentioned all of you spent money much of that, or is that still sitting there? Yep. And just the the car that's here in the other asset at the moment? Perfect.\n\nAnything else that sort of changed in the the last few months since we last spoke? Not a problem. Yep. And have you looked into sort of, like, care support payments and things like that? Yeah.\n\nWell, in regards to that, I'm not a 100% sure on what, like, your eligibility would be given the the cash in the bank that you do have. But given that, like, it's not your, like, Centrelink entitlements in regards to, like, JobKeeper and things like that, you may be out of sort of contact Centrelink and have a conversation and see. But just for caring for your mother, if you're eligible for some form of carers allowance and things like that. Just if you're sort of still here and there between work and things like that. You know?\n\nIt does come with its own set of things in regards, like, estate planning, things like that being care for your parents can impact that. I know within regards to this advice as well, we are recommending going to see a low set up of wheels. So if you do have any questions regarding, like, how carers payments can impact, like, wills and estates and things like that as well, you can have a conversation with them as well. But in regards to this document here, I'll just be sending this to your email address there, nave underscore I'm gonna put you your last name, but then@hotmail.com. Is that still your correct email?\n\nPerfect. So this will be there shortly. As I said, you'll be able to sort of review the statement advice, the appendix there. You'll also the Ophi service guide and then the OP financial services guide as well as the PDFs for your current insurance there as well. As far as the advice goes, it is quite straightforward in terms of oh, I think it just didn't send, so I'm just gonna have to resend that.\n\nBut as far as the device itself, it is just an investment update in regards to, like, the obviously, the assets there and then also the contributions because you aren't working and aren't earning much of an income at the moment. Yeah. So bear with me. I'll just go to redo this document there because it's Sorry. Technology never works when you want it to.\n\nSo But just while I'm just finishing up that then, Naeve, do you have any questions or concerns at the moment that we sort of haven't discussed or haven't mentioned before jumping in that today? Yep. Yeah. I did include that in this document here as well. So now that I've got that read done there as well, Exactly.\n\nAnd I did include that in the the document. I didn't include the amount you could do given that you are really earning income and then what you get for that as well. So you should have that shortly there. While that's coming through there, Neve, in regards to just the best interest of you, obviously, we can't put you in a better position. We're not gonna sort of make the recommendation.\n\nI know, yeah, currently, you're not sort of working at the the the moment, but you are sort of doing a bit of work here and there. You're able to get by on you. So it's just redundancy payment as well as caring for your your mother. So you're on a bit of an in between stage. So at the moment, we just looked at reviewing the superannuation, make sure that your investments were adequate for your current situation.\n\nAnd then just at estate planning, make a recommendation for that, just making sure you have the adequate means in place as well. And I know sort of with caring for your mother and things like that as well, it might be worth sort of her, you know, visiting and getting things sorted just in the event that anything did occur suddenly that, you know, it is a lot easier on your yourself and any sort of other family members like your brother to be able to settle estates and things like that as well. We did also include that the contributions and what was sort of recommended in regards to that given that you aren't currently working there at the moment. Now what we looked at but didn't consider there is insurances. You currently don't have any.\n\nYou didn't wanna look at any. So within regards to that, just due to the the ADL definition that would have arisen there, you wanna remain sort of uninsured at the moment, so you might wanna revisit it in the future. But at the moment, you're happy sort of working towards being a bit more self insured. As far as the budgeting on the money you do have, you're happy managing that yourself. We can send you the OQ budget planner if you did wanna, you know, have that just for your own per purposes for, you know, budgeting for bills and expenses and things like that as well.\n\nNo problem. And then as far as employment, you know, you're happy, sort of amazing that yourself would doing work with your mates given that you are caring for your mother. It's a bit hard to go back to full time work. That's understandable. As far as the recommendation to you, we are recommending just staying with Netwealth, change those underlying investments.\n\nAs far as the lump sum contribution to Netwealth, it's sort of be done by the end of the the financial year. In regards to the strategy for that one, I'll run through it in a second. And then the beneficiaries, setting up beneficiaries, making sure your world's up to date and getting that sorted, and then having a power of attorney in place there as well. Now has that email come through, Niamh, in regards to that? No problem.\n\nAre you happy for me to just run through the recommendation and you review the documents later? No problem. Can you at least see that the emails popped up in regards to it to come through just to make sure you have received it? Perfect. So you will have that statement advice.\n\nYou can review on the attachments. And if you were happy with everything, you can click the link to sign. So I'll make this sort of quickly because that's the sort of main things, Heather, apart from the advice. So on page eight, you'll have your assets or, like, your current situation there. On the next page, I'll be over assets liabilities.\n\nIn regards to your risk profile, you did score growth, but we're keeping you in line with the high growth. Even though that you aren't working currently, you still wanna aim for those, you know, longer, higher returns over the the long term period, given your time to retirement. So you're happy maintaining that level of risk, and then sort of being in that high growth portfolio to make sure that you have the opportunity to to get those higher returns over the longer period of time, if that still makes sense. Perfect. As far as the recommendation, it being in your best interest there, we are looking at the investment update for yourself.\n\nSo within regards to that one, the Bennelong Fund wasn't performing for that one. So we're looking at removing that, updating that portfolio there to make sure that it's in your best interest moving forward, removing the underperforming asset, not having the active management moving forward. So with that one there, you won't have the ability to to try and outperform the market, but you will follow the indexes, still have the same allocation to growth assets, and with that, it'll come with less volatility. And then also with that being, you do have a bit of a lower risk tolerance. It does reduce a a level of risk there as well.\n\nEven though you still have the potential for those higher returns, it is sort of dictated by those market indices and not sort of a performance manager, which does reduce your costs there as well. Now with that, you know, you do have a lower ongoing cost, which helps sort of go to compounding and having money invested there as well, which also helps why you're not working, contributing. It doesn't mean we can't review it in the future. But overall, your lower investment costs, you'll have it in line with your risk profile. You'll still have access to all of both of your services there as well, and you'll be in in a portfolio that is in line with your your current risk tolerance.\n\nYep. Now the risk of that one is obviously during the changes and things like that as well. You do have the market risk of if things were changed while you sold down to cash that you may sort of forego potential gains. Also, the buy sell cost with switching investments there as well. Obviously, been along being that it did go down will offset some of that.\n\nBut in saying that in the future, like, it does change daily, so it can't be fully calculated. But in saying that, we did look at, you know, removing you from your your fund, putting into a different fund there as well. That might be a lower cost and have some other advantages. But it did show that, you know, if if you sold down everything, your capital gains would be up around nearly the know, just under the 6,000 mark. So we didn't wanna do a full sell down to make you sort of pay that upfront lump sum cost.\n\nSo within regards to the investments there, you will be out of Benelung. You still have exposure in Australia. Within regards to your new sort of exposures there as well, you'll be in Vanguard or World, so a bit outside The US as well just with how everything is going as well, having a bit of exposure outside of that. And then you'll also have some bonds just to replace the the bank hybrids you previously had just because they are phasing those out. So not a huge change with that.\n\nIt is a defensive asset. The rest of your portfolio will just sort of be adjusted in line with that rebalancing and then just removing all that key asset there. It's important to note that you will have a minimum cash balance that Netwealth does hold, which is 1.25% of your current balance there as well. So overall, it will reduce your exposure slightly. You'll be around 95% growth assets, around 5% defensive.\n\nNow it's important to note that your alternative growth assets does contain gold around 7%, and that can be considered a bit of a defensive asset as well depending on how the markets are doing. Obviously, in the past few years, it's grown so much that it's been considered a bit more of growth asset currently compared to what it previously has been, and that's how Oakview's decided to allocate it. In terms of the cost savings around the difference, when you include everything, including, like, you know, contributions, investment fees, adviser fees as well, It'll be around $770 in terms of fees you will be saving. That will go towards, you know, investment growth there as well. Fees are obviously projected to be based on, like, your performance there for twelve months as well, and it's just 1.65 of the balance.\n\nBut, obviously, if, you know, things keep going with the wall and I run thing, it might not be as high as what projected either with what is happening, if that all makes sense. Perfect. You'll be able to see those tables there on page seventeen and eighteen once you get a sense of go through that. It does show you some projections moving forward and what that might look like projected out based on the previous performance, but it's important to note that past performance isn't indicative of future performance there. As far as the contribution goes there, Niamh, recommend that you do a lump sum contribution of a thousand dollars.\n\nNow you can break that up into, like, you know, $50 a week over the next sort of few months until the end of the financial year. But if you were to contribute the thousand dollars there as a non concessional contribution there, you do get $500 for the government. So that means given that you aren't working as much and you're not sort of earning over that 40,000 a year currently, it just means that the government will co contribute under up to $500 because of the the thousand you have put in there. They'll match 50% of that, which means you get a little bit of free money there as well. Now given if you were to sort of start working and contributing more again or, you know, earning an income and sort of exceed those limitations with the co contribution scheme, it may mean you're not entitled to that $500.\n\nIf you obviously things do do change and you are working again and if you're earning over that sort of cap, it will reduce it and then sort of base on that until up until the point that you don't get any benefit from it. Now if you do wanna contribute more than that, you obviously can as well. This is through the non concessional arrangement. You would be contributing to the nontaxable portion of your superannuation. If you got any income coming in, you can sort of look to claim that as a concessional and convert that to get the tax rebate then as well if you do start full time employment as well, and you don't think you're gonna get any of the the funds for that.\n\nBut in the meantime, it'll help boost your super. We can give you your account details for that, and you'll be able to contribute as you sort of wish over that time frame. But it's important to note, like, when the the financial year is up and to hit that that thousand dollars, if that makes sense. Perfect. Do you have any questions in regards to that at all?\n\nYep. Perfect. So, yeah, once you get to, you know, the June 30 there or, like, you know, first slide, June 30, that's, like, where you cut off for that to make those contributions. And just confirming to then through your previous employment before you were made redundant, you sort of in the financial year, you wouldn't be over that that limit there? Yep.\n\nOkay. Perfect. Yeah. So from that, you should be eligible for that that $500 co contribution if you do make that thousand dollars. If you do contribute a bit less, it'll be less.\n\nAnd then if you always start earning an income, they'll proportionate down until you're sort of not eligible for any payment there as well. But it's not a bad thing. You still get money going into your super. You just might not get that co contribution, which is what you wanna do anyway, but a bit of free money never hurt to grow on your super as well. Perfect.\n\nNow with that as well, there are obviously risks that, you know, once you put in the superannuation, you can't get it back given that you aren't working. It's something to be mindful of, but given you do quite amount of savings as well, it does obviously help contribute to the balance. As far as the beneficiary nominations, we're recommending that you nominate a legal person representative once you get a will enforce with that one because you want to leave things to, you know, like brothers, you know, mother, if sort of worst case things like that as well, it sorta helps that they don't make a valid nomination with c CSAC for superannuation at the moment. So once your will is in place, you can leave your estate to the will, and it can be distributed per your wishes that way. It's important to sort of note that when it goes to the will, it's taxed differently.\n\nYou don't pay the Medicare levy, but then also it does open your superannuation up to claims should, you know, family start fighting over the money and who gets what. And it can sort of get eaten away at legal fees, that is sort of a risk of that. But given you don't have anyone that sort of makes a valid nomination currently apart from what your mother being dependent on you caring for at the moment, you know, if something were to happen to your your mother, you'd have to change it anyway. So if you write it all at all, it's all built to cover for those contingencies. It just means that, you know, everything distributed per your wishes over a longer period of time.\n\nSo do you have any questions in regards to that at all? Certainly. Obviously, we recommend you establish a will and a power of attorney in conjunction with that as well. I won't dwell on those sections too much. Feel free to read through that.\n\nWe obviously can't provide a will service in drawing up a will. We can have a conversation on how you might wanna structure a little bit. But given that, you know, you've got the the car and the savings, you know, have a huge amount of other, you know, property thing like that, and that might make it difficult. Yeah. So it should make it quite a simple process in regards to setting up that will.\n\nWe can refer you to a local solicitor and their pricing if you ever wanted it. But, also, if you find someone local that you're happy with, that's more than fine as well. As far as the remuneration fee, it is 1.65%, which is that $3,529 per year's worth of premiums with growth based on that percentage fee. As I said, that can fluctuate with the market, so it goes up and down with the with that on a monthly basis. But that's just the estimated fee based on the recommendation that was made.\n\nFrom there, obviously, you know, you do still have your annual review that we'll we'll touch on those as well, any concerns you may have. But that is a really brief run through of the advice there. Now if you have any questions regarding that, the investment recommendation or not a problem. Once you were to sign that document, they can start the implementation of that. I can make a note of here to to send you your contribution details.\n\nSo just so you have that for when you run it start doing that. If that's something you wanted to do, even if you don't proceed with the advice, if you started one of putting some money into super, that's more than fine. When you get to the end of the financial year, feel free to give us a call if you do start doing that, but don't take on the advice just so we can look at options if you wanna claim notice of intent, things like that. But given you aren't working, it doesn't make a huge difference whether you claim it or not. It doesn't give you that tax benefit really in regards to money back.\n\nPerfect. But any questions, concerns for me now? Obviously, it's a very quick run through, but anything else that you want to touch on while you've got me there? Not a problem at all, Nave. Well, you enjoy the rest of your day.\n\nThanks for your time. And any questions, I'll shoot you through an email, and you can just respond to that with any questions you might have in regards to that document. So easy, mate. Well, enjoy the rest of your day. Good luck with you, Imam.\n\nHopefully, everything goes well. Thanks, mate. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Nate.","start":3.12,"end":4.08,"sentiment":"positive","sentiment_score":0.36929500102996826},{"text":"It's Carl calling from HP Financial.","start":4.08,"end":5.68,"sentiment":"neutral","sentiment_score":0.217164176205794},{"text":"How are you today?","start":5.68,"end":6.58,"sentiment":"neutral","sentiment_score":0.25476548448204994},{"text":"That's good to hear.","start":8.16,"end":8.96,"sentiment":"positive","sentiment_score":0.7443222850561142},{"text":"I've got you scheduled in for your straight statement of last presentation.","start":8.96,"end":12.32,"sentiment":"positive","sentiment_score":0.38166215767463046}],"sentiment":"positive","sentiment_score":0.37886782864044455,"num_words":29,"start":3.12,"end":12.32},{"sentences":[{"text":"Is now still a good time for you?","start":12.32,"end":13.575,"sentiment":"positive","sentiment_score":0.35314298048615456},{"text":"If you're a little bit busy, I know you're sort of caring for your your mother at the the moment there, we can sort of make it pretty quick.","start":17.654999,"end":23.895,"sentiment":"neutral","sentiment_score":-0.02110224313520152},{"text":"And if you can have a read through it in your spare time, if you have any questions, you can come back.","start":23.895,"end":27.39,"sentiment":"neutral","sentiment_score":0.05380515686490319},{"text":"Perfect.","start":30.75,"end":31.25,"sentiment":"positive","sentiment_score":0.4495968222618103},{"text":"Just to jump into that today, Nave, if I can just pass through security with your name, date of birth, and current address, we can get stuck into that today.","start":32.19,"end":38.129997,"sentiment":"neutral","sentiment_score":0.2931913783152898}],"sentiment":"neutral","sentiment_score":0.14046922684129742,"num_words":90,"start":12.32,"end":38.129997},{"sentences":[{"text":"Yep.","start":41.004997,"end":41.405,"sentiment":"neutral","sentiment_score":0.1193205937743187},{"text":"So just full name, date of birth, and card notice will get going.","start":41.405,"end":44.065,"sentiment":"neutral","sentiment_score":0.14720968902111053},{"text":"Perfect.","start":49.805,"end":50.305,"sentiment":"positive","sentiment_score":0.3705505132675171},{"text":"And just given the time that has elapsed since we last sort of spoke to Naif, have anything in regards to your employment or anything changed at the moment?","start":50.445,"end":58.760002,"sentiment":"neutral","sentiment_score":0.05629271487223691},{"text":"Yep.","start":68.994995,"end":69.494995,"sentiment":"neutral","sentiment_score":-0.00846028234809637}],"sentiment":"neutral","sentiment_score":0.08950278918362325,"num_words":45,"start":41.004997,"end":69.494995},{"sentences":[{"text":"And then I know you did have that payout when you were made redundant there.","start":70.034996,"end":75.09499,"sentiment":"neutral","sentiment_score":-0.039530583346883454},{"text":"Has that sort of mentioned all of you spent money much of that, or is that still sitting there?","start":75.155,"end":79.174995,"sentiment":"neutral","sentiment_score":-0.050698057111156616},{"text":"Yep.","start":82.61,"end":83.11,"sentiment":"neutral","sentiment_score":0.01244250312447548},{"text":"And just the the car that's here in the other asset at the moment?","start":83.33,"end":86.15,"sentiment":"neutral","sentiment_score":-0.0014140585304370948},{"text":"Perfect.","start":87.97,"end":88.47,"sentiment":"neutral","sentiment_score":0.07000812888145447}],"sentiment":"neutral","sentiment_score":-0.029871360454708337,"num_words":50,"start":70.034996,"end":88.47},{"sentences":[{"text":"Anything else that sort of changed in the the last few months since we last spoke?","start":88.61,"end":92.295,"sentiment":"neutral","sentiment_score":-0.017411848297342658},{"text":"Not a problem.","start":94.055,"end":95.034996,"sentiment":"neutral","sentiment_score":-0.0673988548417886},{"text":"Yep.","start":111.27,"end":111.43,"sentiment":"neutral","sentiment_score":0.09472241252660751},{"text":"And have you looked into sort of, like, care support payments and things like that?","start":111.43,"end":116.17,"sentiment":"neutral","sentiment_score":0.014363043631116549},{"text":"Yeah.","start":127.204994,"end":127.704994,"sentiment":"neutral","sentiment_score":-0.2204982489347458}],"sentiment":"neutral","sentiment_score":-0.01086434220067329,"num_words":36,"start":88.61,"end":127.704994},{"sentences":[{"text":"Well, in regards to that, I'm not a 100% sure on what, like, your eligibility would be given the the cash in the bank that you do have.","start":127.84499,"end":134.37,"sentiment":"neutral","sentiment_score":-0.203963109425136},{"text":"But given that, like, it's not your, like, Centrelink entitlements in regards to, like, JobKeeper and things like that, you may be out of sort of contact Centrelink and have a conversation and see.","start":134.91,"end":144.045,"sentiment":"neutral","sentiment_score":-0.15825274608591022},{"text":"But just for caring for your mother, if you're eligible for some form of carers allowance and things like that.","start":144.125,"end":149.665,"sentiment":"neutral","sentiment_score":-0.008551393449306489},{"text":"Just if you're sort of still here and there between work and things like that.","start":152.525,"end":156.22499,"sentiment":"neutral","sentiment_score":-0.01599820926785469},{"text":"You know?","start":156.36499,"end":156.96,"sentiment":"neutral","sentiment_score":0.028925910592079163}],"sentiment":"neutral","sentiment_score":-0.11560312745095504,"num_words":99,"start":127.84499,"end":156.96},{"sentences":[{"text":"It does come with its own set of things in regards, like, estate planning, things like that being care for your parents can impact that.","start":157.84001,"end":163.38,"sentiment":"neutral","sentiment_score":-0.008387110233306884},{"text":"I know within regards to this advice as well, we are recommending going to see a low set up of wheels.","start":163.44,"end":167.44,"sentiment":"neutral","sentiment_score":0.1421678541671662},{"text":"So if you do have any questions regarding, like, how carers payments can impact, like, wills and estates and things like that as well, you can have a conversation with them as well.","start":167.44,"end":177.105,"sentiment":"neutral","sentiment_score":0.10539807785641063},{"text":"But in regards to this document here, I'll just be sending this to your email address there, nave underscore I'm gonna put you your last name, but then@hotmail.com.","start":178.765,"end":188.09999,"sentiment":"neutral","sentiment_score":0.060353827263627736},{"text":"Is that still your correct email?","start":188.09999,"end":189.48,"sentiment":"neutral","sentiment_score":0.0307588092982769}],"sentiment":"neutral","sentiment_score":0.07193313070894343,"num_words":113,"start":157.84001,"end":189.48},{"sentences":[{"text":"Perfect.","start":190.65999,"end":191.15999,"sentiment":"positive","sentiment_score":0.5212594866752625},{"text":"So this will be there shortly.","start":191.45999,"end":192.81999,"sentiment":"positive","sentiment_score":0.3626302480697632},{"text":"As I said, you'll be able to sort of review the statement advice, the appendix there.","start":192.81999,"end":196.9,"sentiment":"neutral","sentiment_score":0.23720315378159285},{"text":"You'll also the Ophi service guide and then the OP financial services guide as well as the PDFs for your current insurance there as well.","start":196.9,"end":203.355,"sentiment":"neutral","sentiment_score":0.1690547461807728},{"text":"As far as the advice goes, it is quite straightforward in terms of oh, I think it just didn't send, so I'm just gonna have to resend that.","start":203.495,"end":217.85,"sentiment":"neutral","sentiment_score":0.1495114268868097}],"sentiment":"neutral","sentiment_score":0.19611815845985947,"num_words":76,"start":190.65999,"end":217.85},{"sentences":[{"text":"But as far as the device itself, it is just an investment update in regards to, like, the obviously, the assets there and then also the contributions because you aren't working and aren't earning much of an income at the moment.","start":218.06999,"end":231.72499,"sentiment":"neutral","sentiment_score":-0.006800235044665453},{"text":"Yeah.","start":233.305,"end":233.705,"sentiment":"neutral","sentiment_score":0.10019528120756148},{"text":"So bear with me.","start":233.705,"end":234.905,"sentiment":"neutral","sentiment_score":0.10545135848224163},{"text":"I'll just go to redo this document there because it's Sorry.","start":234.905,"end":253.655,"sentiment":"neutral","sentiment_score":0.0932529213076288},{"text":"Technology never works when you want it to.","start":253.655,"end":255.655,"sentiment":"neutral","sentiment_score":-0.02438195701688528}],"sentiment":"neutral","sentiment_score":0.016521808562370448,"num_words":65,"start":218.06999,"end":255.655},{"sentences":[{"text":"So But just while I'm just finishing up that then, Naeve, do you have any questions or concerns at the moment that we sort of haven't discussed or haven't mentioned before jumping in that today?","start":255.655,"end":282.865,"sentiment":"neutral","sentiment_score":0.06778572529022182},{"text":"Yep.","start":299.755,"end":300.255,"sentiment":"neutral","sentiment_score":0.07442744821310043},{"text":"Yeah.","start":314.09003,"end":314.41,"sentiment":"neutral","sentiment_score":0.15160274505615234},{"text":"I did include that in this document here as well.","start":314.41,"end":317.85,"sentiment":"neutral","sentiment_score":0.21513456702232361},{"text":"So now that I've got that read done there as well, Exactly.","start":317.85,"end":340.29,"sentiment":"neutral","sentiment_score":0.17370286583900452}],"sentiment":"neutral","sentiment_score":0.11583577353759843,"num_words":59,"start":255.655,"end":340.29},{"sentences":[{"text":"And I did include that in the the document.","start":340.29,"end":342.13,"sentiment":"neutral","sentiment_score":0.21590831047958797},{"text":"I didn't include the amount you could do given that you are really earning income and then what you get for that as well.","start":342.13,"end":350.545,"sentiment":"neutral","sentiment_score":0.14898290624842048},{"text":"So you should have that shortly there.","start":350.545,"end":352.48502,"sentiment":"neutral","sentiment_score":0.24752976638930185},{"text":"While that's coming through there, Neve, in regards to just the best interest of you, obviously, we can't put you in a better position.","start":352.86502,"end":359.265,"sentiment":"neutral","sentiment_score":0.03843214440469941},{"text":"We're not gonna sort of make the recommendation.","start":359.265,"end":361.045,"sentiment":"neutral","sentiment_score":-0.25694140791893005}],"sentiment":"neutral","sentiment_score":0.08497657099117835,"num_words":72,"start":340.29,"end":361.045},{"sentences":[{"text":"I know, yeah, currently, you're not sort of working at the the the moment, but you are sort of doing a bit of work here and there.","start":362.07,"end":367.91,"sentiment":"neutral","sentiment_score":-0.12057584179220376},{"text":"You're able to get by on you.","start":367.91,"end":369.03,"sentiment":"neutral","sentiment_score":0.21383779602391378},{"text":"So it's just redundancy payment as well as caring for your your mother.","start":369.03,"end":372.15,"sentiment":"neutral","sentiment_score":0.09570425949417628},{"text":"So you're on a bit of an in between stage.","start":372.15,"end":373.83002,"sentiment":"neutral","sentiment_score":-0.016155169781995937},{"text":"So at the moment, we just looked at reviewing the superannuation, make sure that your investments were adequate for your current situation.","start":373.83002,"end":382.025,"sentiment":"neutral","sentiment_score":0.11625732244415717}],"sentiment":"neutral","sentiment_score":0.023817488774097277,"num_words":79,"start":362.07,"end":382.025},{"sentences":[{"text":"And then just at estate planning, make a recommendation for that, just making sure you have the adequate means in place as well.","start":382.56497,"end":388.50497,"sentiment":"neutral","sentiment_score":0.2528333340002143},{"text":"And I know sort of with caring for your mother and things like that as well, it might be worth sort of her, you know, visiting and getting things sorted just in the event that anything did occur suddenly that, you know, it is a lot easier on your yourself and any sort of other family members like your brother to be able to settle estates and things like that as well.","start":388.645,"end":404.955,"sentiment":"neutral","sentiment_score":0.21036445364976922},{"text":"We did also include that the contributions and what was sort of recommended in regards to that given that you aren't currently working there at the moment.","start":406.395,"end":414.41498,"sentiment":"neutral","sentiment_score":0.06441290924946468},{"text":"Now what we looked at but didn't consider there is insurances.","start":415.59497,"end":418.395,"sentiment":"neutral","sentiment_score":-0.08989576995372772},{"text":"You currently don't have any.","start":418.395,"end":419.435,"sentiment":"neutral","sentiment_score":-0.23817929923534392}],"sentiment":"neutral","sentiment_score":0.14870149223808793,"num_words":138,"start":382.56497,"end":419.435},{"sentences":[{"text":"You didn't wanna look at any.","start":419.435,"end":420.81497,"sentiment":"neutral","sentiment_score":-0.19428559641043344},{"text":"So within regards to that, just due to the the ADL definition that would have arisen there, you wanna remain sort of uninsured at the moment, so you might wanna revisit it in the future.","start":421.24,"end":429.96,"sentiment":"neutral","sentiment_score":-0.1738027321440833},{"text":"But at the moment, you're happy sort of working towards being a bit more self insured.","start":429.96,"end":433.095,"sentiment":"neutral","sentiment_score":0.29441291466355324},{"text":"As far as the budgeting on the money you do have, you're happy managing that yourself.","start":433.895,"end":437.095,"sentiment":"positive","sentiment_score":0.36072444915771484},{"text":"We can send you the OQ budget planner if you did wanna, you know, have that just for your own per purposes for, you know, budgeting for bills and expenses and things like that as well.","start":437.095,"end":445.38,"sentiment":"neutral","sentiment_score":0.2803325222598182}],"sentiment":"neutral","sentiment_score":0.1222510038439287,"num_words":109,"start":419.435,"end":445.38},{"sentences":[{"text":"No problem.","start":447.94,"end":448.6,"sentiment":"neutral","sentiment_score":0.3112836629152298},{"text":"And then as far as employment, you know, you're happy, sort of amazing that yourself would doing work with your mates given that you are caring for your mother.","start":448.66,"end":454.9,"sentiment":"positive","sentiment_score":0.49437350651313516},{"text":"It's a bit hard to go back to full time work.","start":454.9,"end":456.82,"sentiment":"neutral","sentiment_score":-0.1518893465399742},{"text":"That's understandable.","start":456.82,"end":457.56,"sentiment":"neutral","sentiment_score":-0.05610273964703083},{"text":"As far as the recommendation to you, we are recommending just staying with Netwealth, change those underlying investments.","start":459.575,"end":463.835,"sentiment":"neutral","sentiment_score":0.049290482265253864}],"sentiment":"neutral","sentiment_score":0.2268328936169705,"num_words":62,"start":447.94,"end":463.835},{"sentences":[{"text":"As far as the lump sum contribution to Netwealth, it's sort of be done by the end of the the financial year.","start":464.055,"end":469.595,"sentiment":"neutral","sentiment_score":0.0560521563007073},{"text":"In regards to the strategy for that one, I'll run through it in a second.","start":469.815,"end":473.47,"sentiment":"neutral","sentiment_score":0.058143924176692965},{"text":"And then the beneficiaries, setting up beneficiaries, making sure your world's up to date and getting that sorted, and then having a power of attorney in place there as well.","start":473.69,"end":481.39,"sentiment":"neutral","sentiment_score":0.1123004416624705},{"text":"Now has that email come through, Niamh, in regards to that?","start":482.01,"end":485.63,"sentiment":"neutral","sentiment_score":-0.04719726385718042},{"text":"No problem.","start":487.605,"end":488.325,"sentiment":"neutral","sentiment_score":0.1196666732430458}],"sentiment":"neutral","sentiment_score":0.06493103743996471,"num_words":80,"start":464.055,"end":488.325},{"sentences":[{"text":"Are you happy for me to just run through the recommendation and you review the documents later?","start":488.325,"end":492.105,"sentiment":"neutral","sentiment_score":0.2249857334091383},{"text":"No problem.","start":495.925,"end":496.645,"sentiment":"neutral","sentiment_score":0.11345836520195007},{"text":"Can you at least see that the emails popped up in regards to it to come through just to make sure you have received it?","start":496.645,"end":501.54498,"sentiment":"neutral","sentiment_score":0.09345022656023502},{"text":"Perfect.","start":532.03,"end":532.53,"sentiment":"positive","sentiment_score":0.46738576889038086},{"text":"So you will have that statement advice.","start":532.83,"end":534.35,"sentiment":"neutral","sentiment_score":0.2469698871885027}],"sentiment":"neutral","sentiment_score":0.1650789392610582,"num_words":52,"start":488.325,"end":534.35},{"sentences":[{"text":"You can review on the attachments.","start":534.35,"end":535.55,"sentiment":"neutral","sentiment_score":0.16487335413694382},{"text":"And if you were happy with everything, you can click the link to sign.","start":535.55,"end":538.45,"sentiment":"neutral","sentiment_score":0.19994431627648218},{"text":"So I'll make this sort of quickly because that's the sort of main things, Heather, apart from the advice.","start":539.315,"end":544.035,"sentiment":"neutral","sentiment_score":0.2304204639635588},{"text":"So on page eight, you'll have your assets or, like, your current situation there.","start":544.035,"end":548.45496,"sentiment":"neutral","sentiment_score":0.10074011236429214},{"text":"On the next page, I'll be over assets liabilities.","start":548.755,"end":550.77496,"sentiment":"neutral","sentiment_score":0.08433125499222013}],"sentiment":"neutral","sentiment_score":0.1667063263875823,"num_words":62,"start":534.35,"end":550.77496},{"sentences":[{"text":"In regards to your risk profile, you did score growth, but we're keeping you in line with the high growth.","start":551.075,"end":554.89996,"sentiment":"neutral","sentiment_score":0.17137678936123849},{"text":"Even though that you aren't working currently, you still wanna aim for those, you know, longer, higher returns over the the long term period, given your time to retirement.","start":554.89996,"end":563.54,"sentiment":"neutral","sentiment_score":0.15506723112073437},{"text":"So you're happy maintaining that level of risk, and then sort of being in that high growth portfolio to make sure that you have the opportunity to to get those higher returns over the longer period of time, if that still makes sense.","start":563.54,"end":575.575,"sentiment":"positive","sentiment_score":0.5314675562603529},{"text":"Perfect.","start":576.835,"end":577.335,"sentiment":"positive","sentiment_score":0.6866687536239624},{"text":"As far as the recommendation, it being in your best interest there, we are looking at the investment update for yourself.","start":577.73,"end":582.79,"sentiment":"neutral","sentiment_score":0.1531602522092206}],"sentiment":"neutral","sentiment_score":0.30421600402577925,"num_words":114,"start":551.075,"end":582.79},{"sentences":[{"text":"So within regards to that one, the Bennelong Fund wasn't performing for that one.","start":583.41,"end":588.44995,"sentiment":"neutral","sentiment_score":-0.16942696938557283},{"text":"So we're looking at removing that, updating that portfolio there to make sure that it's in your best interest moving forward, removing the underperforming asset, not having the active management moving forward.","start":588.44995,"end":599.575,"sentiment":"neutral","sentiment_score":0.015930468871374615},{"text":"So with that one there, you won't have the ability to to try and outperform the market, but you will follow the indexes, still have the same allocation to growth assets, and with that, it'll come with less volatility.","start":599.955,"end":610.2,"sentiment":"neutral","sentiment_score":0.3117966430309491},{"text":"And then also with that being, you do have a bit of a lower risk tolerance.","start":610.89996,"end":613.7,"sentiment":"positive","sentiment_score":0.3624416273087263},{"text":"It does reduce a a level of risk there as well.","start":613.7,"end":616.035,"sentiment":"neutral","sentiment_score":0.31879916109822015}],"sentiment":"neutral","sentiment_score":0.17503324392600916,"num_words":112,"start":583.41,"end":616.035},{"sentences":[{"text":"Even though you still have the potential for those higher returns, it is sort of dictated by those market indices and not sort of a performance manager, which does reduce your costs there as well.","start":616.115,"end":624.535,"sentiment":"neutral","sentiment_score":0.20209031743662698},{"text":"Now with that, you know, you do have a lower ongoing cost, which helps sort of go to compounding and having money invested there as well, which also helps why you're not working, contributing.","start":626.035,"end":634.54,"sentiment":"neutral","sentiment_score":0.21369874247295015},{"text":"It doesn't mean we can't review it in the future.","start":634.54,"end":636.48,"sentiment":"neutral","sentiment_score":0.05270729698240757},{"text":"But overall, your lower investment costs, you'll have it in line with your risk profile.","start":636.62,"end":640.56,"sentiment":"positive","sentiment_score":0.34581330021222434},{"text":"You'll still have access to all of both of your services there as well, and you'll be in in a portfolio that is in line with your your current risk tolerance.","start":640.7,"end":648.64496,"sentiment":"positive","sentiment_score":0.3635776797609945}],"sentiment":"neutral","sentiment_score":0.25059279119968414,"num_words":125,"start":616.115,"end":648.64496},{"sentences":[{"text":"Yep.","start":651.505,"end":652.005,"sentiment":"neutral","sentiment_score":0.1067093014717102},{"text":"Now the risk of that one is obviously during the changes and things like that as well.","start":652.14496,"end":655.105,"sentiment":"neutral","sentiment_score":-0.043717208592330706},{"text":"You do have the market risk of if things were changed while you sold down to cash that you may sort of forego potential gains.","start":655.105,"end":660.92,"sentiment":"neutral","sentiment_score":-0.1202256092429161},{"text":"Also, the buy sell cost with switching investments there as well.","start":660.98,"end":663.88,"sentiment":"neutral","sentiment_score":-0.017481704327193173},{"text":"Obviously, been along being that it did go down will offset some of that.","start":664.18,"end":667.88,"sentiment":"neutral","sentiment_score":0.035755163324730735}],"sentiment":"neutral","sentiment_score":-0.04902720495181925,"num_words":68,"start":651.505,"end":667.88},{"sentences":[{"text":"But in saying that in the future, like, it does change daily, so it can't be fully calculated.","start":668.18,"end":672.83997,"sentiment":"neutral","sentiment_score":-0.10739236221545273},{"text":"But in saying that, we did look at, you know, removing you from your your fund, putting into a different fund there as well.","start":673.365,"end":678.885,"sentiment":"neutral","sentiment_score":-0.04081212977568308},{"text":"That might be a lower cost and have some other advantages.","start":678.885,"end":681.145,"sentiment":"neutral","sentiment_score":0.1948504610495134},{"text":"But it did show that, you know, if if you sold down everything, your capital gains would be up around nearly the know, just under the 6,000 mark.","start":681.605,"end":688.35,"sentiment":"neutral","sentiment_score":0.15246464844260896},{"text":"So we didn't wanna do a full sell down to make you sort of pay that upfront lump sum cost.","start":688.35,"end":693.49,"sentiment":"neutral","sentiment_score":-0.07700318852439522}],"sentiment":"neutral","sentiment_score":0.019403443791636145,"num_words":101,"start":668.18,"end":693.49},{"sentences":[{"text":"So within regards to the investments there, you will be out of Benelung.","start":694.11,"end":699.14996,"sentiment":"neutral","sentiment_score":0.026244679322609536},{"text":"You still have exposure in Australia.","start":699.14996,"end":700.93,"sentiment":"neutral","sentiment_score":0.005173212227722009},{"text":"Within regards to your new sort of exposures there as well, you'll be in Vanguard or World, so a bit outside The US as well just with how everything is going as well, having a bit of exposure outside of that.","start":701.735,"end":713.115,"sentiment":"neutral","sentiment_score":0.07701162212505573},{"text":"And then you'll also have some bonds just to replace the the bank hybrids you previously had just because they are phasing those out.","start":713.175,"end":719.99,"sentiment":"neutral","sentiment_score":0.08895931672304869},{"text":"So not a huge change with that.","start":719.99,"end":721.11005,"sentiment":"neutral","sentiment_score":0.11747166833707265}],"sentiment":"neutral","sentiment_score":0.07128595485055185,"num_words":91,"start":694.11,"end":721.11005},{"sentences":[{"text":"It is a defensive asset.","start":721.11005,"end":722.49,"sentiment":"positive","sentiment_score":0.415219658613205},{"text":"The rest of your portfolio will just sort of be adjusted in line with that rebalancing and then just removing all that key asset there.","start":722.79004,"end":730.275,"sentiment":"neutral","sentiment_score":0.19672127634286882},{"text":"It's important to note that you will have a minimum cash balance that Netwealth does hold, which is 1.25% of your current balance there as well.","start":730.835,"end":737.41504,"sentiment":"neutral","sentiment_score":0.08603587646323901},{"text":"So overall, it will reduce your exposure slightly.","start":738.195,"end":740.67505,"sentiment":"neutral","sentiment_score":0.1153662521392107},{"text":"You'll be around 95% growth assets, around 5% defensive.","start":740.67505,"end":743.87006,"sentiment":"neutral","sentiment_score":0.26449719899230534}],"sentiment":"neutral","sentiment_score":0.17170503832501907,"num_words":73,"start":721.11005,"end":743.87006},{"sentences":[{"text":"Now it's important to note that your alternative growth assets does contain gold around 7%, and that can be considered a bit of a defensive asset as well depending on how the markets are doing.","start":743.87006,"end":752.51,"sentiment":"neutral","sentiment_score":0.17533837429114751},{"text":"Obviously, in the past few years, it's grown so much that it's been considered a bit more of growth asset currently compared to what it previously has been, and that's how Oakview's decided to allocate it.","start":752.51,"end":761.835,"sentiment":"neutral","sentiment_score":0.22026848937902185},{"text":"In terms of the cost savings around the difference, when you include everything, including, like, you know, contributions, investment fees, adviser fees as well, It'll be around $770 in terms of fees you will be saving.","start":762.455,"end":774.25,"sentiment":"neutral","sentiment_score":0.21818693644470638},{"text":"That will go towards, you know, investment growth there as well.","start":774.31,"end":777.29,"sentiment":"neutral","sentiment_score":0.279912993311882},{"text":"Fees are obviously projected to be based on, like, your performance there for twelve months as well, and it's just 1.65 of the balance.","start":778.70996,"end":785.26495,"sentiment":"neutral","sentiment_score":0.06758008028070132}],"sentiment":"neutral","sentiment_score":0.18748030480994304,"num_words":142,"start":743.87006,"end":785.26495},{"sentences":[{"text":"But, obviously, if, you know, things keep going with the wall and I run thing, it might not be as high as what projected either with what is happening, if that all makes sense.","start":785.26495,"end":792.56494,"sentiment":"neutral","sentiment_score":-0.24542605778311982},{"text":"Perfect.","start":794.06494,"end":794.545,"sentiment":"positive","sentiment_score":0.6584362983703613},{"text":"You'll be able to see those tables there on page seventeen and eighteen once you get a sense of go through that.","start":794.545,"end":799.32,"sentiment":"positive","sentiment_score":0.47795377942648803},{"text":"It does show you some projections moving forward and what that might look like projected out based on the previous performance, but it's important to note that past performance isn't indicative of future performance there.","start":799.48,"end":808.22003,"sentiment":"neutral","sentiment_score":0.1659853542489665},{"text":"As far as the contribution goes there, Niamh, recommend that you do a lump sum contribution of a thousand dollars.","start":809.48,"end":814.95496,"sentiment":"neutral","sentiment_score":0.11252860967069864}],"sentiment":"neutral","sentiment_score":0.09722315243977521,"num_words":112,"start":785.26495,"end":814.95496},{"sentences":[{"text":"Now you can break that up into, like, you know, $50 a week over the next sort of few months until the end of the financial year.","start":814.95496,"end":821.195,"sentiment":"neutral","sentiment_score":0.10531574929202045},{"text":"But if you were to contribute the thousand dollars there as a non concessional contribution there, you do get $500 for the government.","start":821.195,"end":828.24,"sentiment":"neutral","sentiment_score":0.06871671278191649},{"text":"So that means given that you aren't working as much and you're not sort of earning over that 40,000 a year currently, it just means that the government will co contribute under up to $500 because of the the thousand you have put in there.","start":828.24,"end":840.90497,"sentiment":"neutral","sentiment_score":0.09142541645301713},{"text":"They'll match 50% of that, which means you get a little bit of free money there as well.","start":840.90497,"end":845.165,"sentiment":"positive","sentiment_score":0.37866562770472634},{"text":"Now given if you were to sort of start working and contributing more again or, you know, earning an income and sort of exceed those limitations with the co contribution scheme, it may mean you're not entitled to that $500.","start":845.225,"end":857.94,"sentiment":"neutral","sentiment_score":-0.2659347282722592}],"sentiment":"neutral","sentiment_score":0.030828402176791548,"num_words":153,"start":814.95496,"end":857.94},{"sentences":[{"text":"If you obviously things do do change and you are working again and if you're earning over that sort of cap, it will reduce it and then sort of base on that until up until the point that you don't get any benefit from it.","start":858.32,"end":871.425,"sentiment":"neutral","sentiment_score":-0.2042107183072302},{"text":"Now if you do wanna contribute more than that, you obviously can as well.","start":871.425,"end":874.385,"sentiment":"neutral","sentiment_score":0.1037310031907899},{"text":"This is through the non concessional arrangement.","start":874.385,"end":876.625,"sentiment":"neutral","sentiment_score":0.05303438912544932},{"text":"You would be contributing to the nontaxable portion of your superannuation.","start":876.625,"end":880.22003,"sentiment":"neutral","sentiment_score":0.0961429870433428},{"text":"If you got any income coming in, you can sort of look to claim that as a concessional and convert that to get the tax rebate then as well if you do start full time employment as well, and you don't think you're gonna get any of the the funds for that.","start":880.84,"end":894.045,"sentiment":"neutral","sentiment_score":0.16845388466922137}],"sentiment":"neutral","sentiment_score":0.019001296937985475,"num_words":129,"start":858.32,"end":894.045},{"sentences":[{"text":"But in the meantime, it'll help boost your super.","start":894.76495,"end":896.52496,"sentiment":"positive","sentiment_score":0.5675083531273736},{"text":"We can give you your account details for that, and you'll be able to contribute as you sort of wish over that time frame.","start":896.52496,"end":903.805,"sentiment":"positive","sentiment_score":0.45730629314978916},{"text":"But it's important to note, like, when the the financial year is up and to hit that that thousand dollars, if that makes sense.","start":903.805,"end":909.48,"sentiment":"neutral","sentiment_score":0.07005582936108112},{"text":"Perfect.","start":912.12,"end":912.51996,"sentiment":"positive","sentiment_score":0.5712258815765381},{"text":"Do you have any questions in regards to that at all?","start":912.51996,"end":914.62,"sentiment":"neutral","sentiment_score":0.2315444052219391}],"sentiment":"neutral","sentiment_score":0.30264464431050897,"num_words":69,"start":894.76495,"end":914.62},{"sentences":[{"text":"Yep.","start":916.92,"end":917.42,"sentiment":"neutral","sentiment_score":0.18095481395721436},{"text":"Perfect.","start":917.56,"end":918.06,"sentiment":"positive","sentiment_score":0.41815006732940674},{"text":"So, yeah, once you get to, you know, the June 30 there or, like, you know, first slide, June 30, that's, like, where you cut off for that to make those contributions.","start":918.44,"end":928.495,"sentiment":"neutral","sentiment_score":0.07039024645928293},{"text":"And just confirming to then through your previous employment before you were made redundant, you sort of in the financial year, you wouldn't be over that that limit there?","start":928.955,"end":937.68,"sentiment":"neutral","sentiment_score":0.0060569638835972755},{"text":"Yep.","start":939.83997,"end":940.16,"sentiment":"neutral","sentiment_score":0.03965608403086662}],"sentiment":"neutral","sentiment_score":0.04792032507248223,"num_words":64,"start":916.92,"end":940.16},{"sentences":[{"text":"Okay.","start":940.16,"end":940.56,"sentiment":"neutral","sentiment_score":0.19698086380958557},{"text":"Perfect.","start":940.56,"end":941.06,"sentiment":"positive","sentiment_score":0.4039820730686188},{"text":"Yeah.","start":941.52,"end":941.76,"sentiment":"neutral","sentiment_score":0.2574673295021057},{"text":"So from that, you should be eligible for that that $500 co contribution if you do make that thousand dollars.","start":941.76,"end":947.38,"sentiment":"neutral","sentiment_score":0.20217167623341084},{"text":"If you do contribute a bit less, it'll be less.","start":947.52,"end":949.36,"sentiment":"neutral","sentiment_score":0.0703704658895731}],"sentiment":"neutral","sentiment_score":0.16986571060437144,"num_words":33,"start":940.16,"end":949.36},{"sentences":[{"text":"And then if you always start earning an income, they'll proportionate down until you're sort of not eligible for any payment there as well.","start":949.36,"end":955.71497,"sentiment":"neutral","sentiment_score":0.10022254815946023},{"text":"But it's not a bad thing.","start":955.71497,"end":956.595,"sentiment":"positive","sentiment_score":0.37044694026311237},{"text":"You still get money going into your super.","start":956.595,"end":957.955,"sentiment":"positive","sentiment_score":0.5574903413653374},{"text":"You just might not get that co contribution, which is what you wanna do anyway, but a bit of free money never hurt to grow on your super as well.","start":957.955,"end":964.29,"sentiment":"positive","sentiment_score":0.41797736088434856},{"text":"Perfect.","start":966.29,"end":966.79,"sentiment":"positive","sentiment_score":0.4973819851875305}],"sentiment":"neutral","sentiment_score":0.3206470773919769,"num_words":69,"start":949.36,"end":966.79},{"sentences":[{"text":"Now with that as well, there are obviously risks that, you know, once you put in the superannuation, you can't get it back given that you aren't working.","start":967.73,"end":973.88995,"sentiment":"neutral","sentiment_score":-0.10982403212359973},{"text":"It's something to be mindful of, but given you do quite amount of savings as well, it does obviously help contribute to the balance.","start":973.88995,"end":979.54504,"sentiment":"neutral","sentiment_score":0.23298671934753656},{"text":"As far as the beneficiary nominations, we're recommending that you nominate a legal person representative once you get a will enforce with that one because you want to leave things to, you know, like brothers, you know, mother, if sort of worst case things like that as well, it sorta helps that they don't make a valid nomination with c CSAC for superannuation at the moment.","start":980.16504,"end":998.52997,"sentiment":"neutral","sentiment_score":0.06836706811957287},{"text":"So once your will is in place, you can leave your estate to the will, and it can be distributed per your wishes that way.","start":998.82996,"end":1003.87,"sentiment":"neutral","sentiment_score":0.3301428115367889},{"text":"It's important to sort of note that when it goes to the will, it's taxed differently.","start":1003.87,"end":1007.455,"sentiment":"neutral","sentiment_score":-0.0168758996296674}],"sentiment":"neutral","sentiment_score":0.09441755191897447,"num_words":159,"start":967.73,"end":1007.455},{"sentences":[{"text":"You don't pay the Medicare levy, but then also it does open your superannuation up to claims should, you know, family start fighting over the money and who gets what.","start":1007.455,"end":1016.34,"sentiment":"neutral","sentiment_score":-0.15139958932995795},{"text":"And it can sort of get eaten away at legal fees, that is sort of a risk of that.","start":1016.82,"end":1019.86005,"sentiment":"negative","sentiment_score":-0.4076593779027462},{"text":"But given you don't have anyone that sort of makes a valid nomination currently apart from what your mother being dependent on you caring for at the moment, you know, if something were to happen to your your mother, you'd have to change it anyway.","start":1019.86005,"end":1030.1,"sentiment":"neutral","sentiment_score":-0.27444364892111883},{"text":"So if you write it all at all, it's all built to cover for those contingencies.","start":1030.1,"end":1032.915,"sentiment":"neutral","sentiment_score":-0.027773765265010297},{"text":"It just means that, you know, everything distributed per your wishes over a longer period of time.","start":1033.855,"end":1039.155,"sentiment":"neutral","sentiment_score":0.17577873345683603}],"sentiment":"neutral","sentiment_score":-0.1739655262753954,"num_words":127,"start":1007.455,"end":1039.155},{"sentences":[{"text":"So do you have any questions in regards to that at all?","start":1040.735,"end":1043.155,"sentiment":"neutral","sentiment_score":0.05519973486661911},{"text":"Certainly.","start":1044.75,"end":1045.25,"sentiment":"neutral","sentiment_score":-0.08727323263883591},{"text":"Obviously, we recommend you establish a will and a power of attorney in conjunction with that as well.","start":1045.39,"end":1048.99,"sentiment":"neutral","sentiment_score":0.04498675144794914},{"text":"I won't dwell on those sections too much.","start":1048.99,"end":1050.51,"sentiment":"neutral","sentiment_score":-0.10323119256645441},{"text":"Feel free to read through that.","start":1050.51,"end":1051.79,"sentiment":"neutral","sentiment_score":0.03418840654194355}],"sentiment":"neutral","sentiment_score":0.0169814669009712,"num_words":45,"start":1040.735,"end":1051.79},{"sentences":[{"text":"We obviously can't provide a will service in drawing up a will.","start":1051.79,"end":1054.1901,"sentiment":"neutral","sentiment_score":-0.0973668737957875},{"text":"We can have a conversation on how you might wanna structure a little bit.","start":1054.1901,"end":1056.5901,"sentiment":"neutral","sentiment_score":0.03698759951761791},{"text":"But given that, you know, you've got the the car and the savings, you know, have a huge amount of other, you know, property thing like that, and that might make it difficult.","start":1056.5901,"end":1063.835,"sentiment":"neutral","sentiment_score":-0.13156268847259608},{"text":"Yeah.","start":1064.5349,"end":1064.7749,"sentiment":"neutral","sentiment_score":0.22578895092010495},{"text":"So it should make it quite a simple process in regards to setting up that will.","start":1064.7749,"end":1067.815,"sentiment":"positive","sentiment_score":0.37407484045252204}],"sentiment":"neutral","sentiment_score":0.01603738929292089,"num_words":76,"start":1051.79,"end":1067.815},{"sentences":[{"text":"We can refer you to a local solicitor and their pricing if you ever wanted it.","start":1067.815,"end":1071.06,"sentiment":"neutral","sentiment_score":0.20652242843061686},{"text":"But, also, if you find someone local that you're happy with, that's more than fine as well.","start":1071.54,"end":1075.0,"sentiment":"positive","sentiment_score":0.4588312392725664},{"text":"As far as the remuneration fee, it is 1.65%, which is that $3,529 per year's worth of premiums with growth based on that percentage fee.","start":1075.3,"end":1083.915,"sentiment":"neutral","sentiment_score":0.07195452705025673},{"text":"As I said, that can fluctuate with the market, so it goes up and down with the with that on a monthly basis.","start":1083.915,"end":1089.4551,"sentiment":"neutral","sentiment_score":0.02783456185589666},{"text":"But that's just the estimated fee based on the recommendation that was made.","start":1089.995,"end":1093.4551,"sentiment":"neutral","sentiment_score":0.0949867617052335}],"sentiment":"neutral","sentiment_score":0.15721676514503805,"num_words":94,"start":1067.815,"end":1093.4551},{"sentences":[{"text":"From there, obviously, you know, you do still have your annual review that we'll we'll touch on those as well, any concerns you may have.","start":1094.795,"end":1102.4401,"sentiment":"neutral","sentiment_score":0.1253099538385868},{"text":"But that is a really brief run through of the advice there.","start":1102.82,"end":1106.42,"sentiment":"neutral","sentiment_score":0.14213057234883308},{"text":"Now if you have any questions regarding that, the investment recommendation or not a problem.","start":1106.42,"end":1112.375,"sentiment":"neutral","sentiment_score":0.10620310232043266},{"text":"Once you were to sign that document, they can start the implementation of that.","start":1112.435,"end":1115.5751,"sentiment":"neutral","sentiment_score":0.29428802856377195},{"text":"I can make a note of here to to send you your contribution details.","start":1115.875,"end":1118.675,"sentiment":"neutral","sentiment_score":0.29239609837532043}],"sentiment":"neutral","sentiment_score":0.18306175032630562,"num_words":80,"start":1094.795,"end":1118.675},{"sentences":[{"text":"So just so you have that for when you run it start doing that.","start":1118.675,"end":1121.0751,"sentiment":"neutral","sentiment_score":0.2339038848876953},{"text":"If that's something you wanted to do, even if you don't proceed with the advice, if you started one of putting some money into super, that's more than fine.","start":1121.0751,"end":1127.13,"sentiment":"neutral","sentiment_score":0.23977092396596383},{"text":"When you get to the end of the financial year, feel free to give us a call if you do start doing that, but don't take on the advice just so we can look at options if you wanna claim notice of intent, things like that.","start":1127.19,"end":1135.27,"sentiment":"neutral","sentiment_score":0.0738880509591621},{"text":"But given you aren't working, it doesn't make a huge difference whether you claim it or not.","start":1135.27,"end":1139.11,"sentiment":"neutral","sentiment_score":-0.011753927423235248},{"text":"It doesn't give you that tax benefit really in regards to money back.","start":1139.11,"end":1143.255,"sentiment":"neutral","sentiment_score":0.0142748154556522}],"sentiment":"neutral","sentiment_score":0.11439174254025732,"num_words":119,"start":1118.675,"end":1143.255},{"sentences":[{"text":"Perfect.","start":1144.035,"end":1144.535,"sentiment":"positive","sentiment_score":0.6428716778755188},{"text":"But any questions, concerns for me now?","start":1145.395,"end":1147.155,"sentiment":"neutral","sentiment_score":0.05767685707126345},{"text":"Obviously, it's a very quick run through, but anything else that you want to touch on while you've got me there?","start":1147.155,"end":1151.895,"sentiment":"neutral","sentiment_score":0.08158282882400922},{"text":"Not a problem at all, Nave.","start":1159.49,"end":1160.6901,"sentiment":"positive","sentiment_score":0.4604586064815521},{"text":"Well, you enjoy the rest of your day.","start":1160.6901,"end":1162.53,"sentiment":"positive","sentiment_score":0.7947336807847023}],"sentiment":"neutral","sentiment_score":0.27629000390338343,"num_words":43,"start":1144.035,"end":1162.53},{"sentences":[{"text":"Thanks for your time.","start":1162.53,"end":1163.81,"sentiment":"positive","sentiment_score":0.7863658964633942},{"text":"And any questions, I'll shoot you through an email, and you can just respond to that with any questions you might have in regards to that document.","start":1163.81,"end":1169.855,"sentiment":"neutral","sentiment_score":0.12461135508837523},{"text":"So easy, mate.","start":1170.555,"end":1171.195,"sentiment":"positive","sentiment_score":0.5765645305315653},{"text":"Well, enjoy the rest of your day.","start":1171.195,"end":1172.555,"sentiment":"positive","sentiment_score":0.6253158450126648},{"text":"Good luck with you, Imam.","start":1172.555,"end":1173.595,"sentiment":"positive","sentiment_score":0.6510357856750488}],"sentiment":"positive","sentiment_score":0.3450446436586587,"num_words":46,"start":1162.53,"end":1173.595},{"sentences":[{"text":"Hopefully, everything goes well.","start":1173.595,"end":1175.135,"sentiment":"positive","sentiment_score":0.3499476760625839},{"text":"Thanks, mate.","start":1176.155,"end":1176.715,"sentiment":"positive","sentiment_score":0.6416829228401184},{"text":"Bye.","start":1176.715,"end":1177.215,"sentiment":"neutral","sentiment_score":-0.12154532223939896}],"sentiment":"positive","sentiment_score":0.36594446109873907,"num_words":7,"start":1173.595,"end":1177.215}]}}]},{"alternatives":[{"transcript":"Not bad. Thanks. Yeah. How long is this gonna take? Roughly. Yeah. Yeah. Yeah. Yep. 9 7. 10/2072. 12 Bowbrook Avenue, Amy Plains. Not really. I'm just, like, doing couple of days here and there just, like, with my mates. Like, just give me a day here, a day there. Other than that, nothing really. Yep. No. I still got some. I still got most of it. Yeah. Yeah. No. Not really. Not really. No. Just looking after my mom. My mom is, like, having problems. She might have an operation soon. She's got, like, like, she does not remembering heaps of stuff, so I've been taking her to doctors now. I've got a specialist on Thursday. Been taking it to all these testing and stuff like that. Not really. Because I don't know. Like, because I've got money in the bank and that money that I've got, and I don't know if anyone like, if they'll give me anything. Fuck. Yeah. Yeah. No worries. I'll have a look into it. Yeah. No worries. That's correct. Yep. Yep. Yep. So good. No. No. Not really. Not really. Other than that, like, I spoke I spoke I don't know if it was you or somebody. And I said, look. If I can contribute myself, and you said give it six months. And then, like I said, maybe I can pull $50 a week from my own money into it and just just put in. And you said you're gonna look into it and and, like, maybe give me something where I can just put into it, like, $50 a week or something just so I can still contribute a little bit if I, you know, if I can manage. You know what I mean? Yeah. Just, like, if you give me, like, where where I need to put in or what, and then, you know, whenever I've got, like, if, you know, every week or every second week, if I can, you know, if I can put just something in there and, you know, if it helps, it's not gonna do any harm. Yeah. Yeah. That's right. Like I said. Yeah. No worries. Yes. No. No. I'm fine. Thanks. I'm alright. Yeah. Yeah. Yeah. I'm not sure. I'm on the phone, so I haven't really looked at it. Yeah. Yeah. Yeah. And then I'll have a look at it when when I hang up. And when I got time, I'll have a look at it. Yeah. Yeah. It's come through. Yep. Yep. Yes. Yep. Yep. Yes. Yep. No. No. No. All good. No. No. Not a problem. Yes. Yes. Yes. No. No. No. No. No. No. No. Nothing else. No. No. No. All good. All good. No worries. Yeah. Yeah. Yeah. No. It's all good. No. No. No. All good. All good. I'll just have a look at it when I when I got time. I'll read everything and sign it and everything. Not a problem. No worries. Thank you. No worries. Thank you. Bye.","confidence":0.99105185,"words":[{"word":"not","start":6.96,"end":7.12,"confidence":0.71897525,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.4727420210838318},{"word":"bad","start":7.12,"end":7.3599997,"confidence":0.99629295,"punctuated_word":"bad.","sentiment":"positive","sentiment_score":0.3958217799663544},{"word":"thanks","start":7.3599997,"end":7.8599997,"confidence":0.9993337,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.6558519005775452},{"word":"yeah","start":13.84,"end":14.16,"confidence":0.9916807,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.023560356348752975},{"word":"how","start":14.16,"end":14.32,"confidence":0.9773982,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.03588050976395607},{"word":"long","start":14.32,"end":14.48,"confidence":0.9996995,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.018473230302333832},{"word":"is","start":14.48,"end":14.639999,"confidence":0.8804445,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04941795393824577},{"word":"this","start":14.639999,"end":14.719999,"confidence":0.9828021,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.02784477174282074},{"word":"gonna","start":14.719999,"end":15.04,"confidence":0.996271,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.04275691509246826},{"word":"take","start":15.04,"end":15.54,"confidence":0.79917955,"punctuated_word":"take?","sentiment":"neutral","sentiment_score":-0.040722426027059555},{"word":"roughly","start":15.745,"end":16.244999,"confidence":0.97366005,"punctuated_word":"Roughly.","sentiment":"neutral","sentiment_score":-0.06377111375331879},{"word":"yeah","start":27.665,"end":27.985,"confidence":0.99105185,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06826914846897125},{"word":"yeah","start":27.985,"end":28.305,"confidence":0.99724734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09079448878765106},{"word":"yeah","start":28.305,"end":28.805,"confidence":0.9884187,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15952879190444946},{"word":"yep","start":38.39,"end":38.89,"confidence":0.89543736,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13926032185554504},{"word":"9","start":43.295002,"end":43.615,"confidence":0.25868154,"punctuated_word":"9","sentiment":"neutral","sentiment_score":0.16810332238674164},{"word":"7","start":43.615,"end":44.115,"confidence":0.29479623,"punctuated_word":"7.","sentiment":"neutral","sentiment_score":0.02373346127569675},{"word":"10/2072","start":44.495003,"end":46.515,"confidence":0.93927777,"punctuated_word":"10/2072.","sentiment":"neutral","sentiment_score":0.023028675466775898},{"word":"12","start":46.895,"end":47.215,"confidence":0.5827732,"punctuated_word":"12","sentiment":"neutral","sentiment_score":0.02210219204425812},{"word":"bowbrook","start":47.215,"end":47.695,"confidence":0.46032965,"punctuated_word":"Bowbrook","sentiment":"neutral","sentiment_score":0.03263147175312042},{"word":"avenue","start":47.695,"end":48.015,"confidence":0.9290926,"punctuated_word":"Avenue,","sentiment":"neutral","sentiment_score":0.03165227174758911},{"word":"amy","start":48.015,"end":48.335003,"confidence":0.79555243,"punctuated_word":"Amy","sentiment":"neutral","sentiment_score":0.06872958689928055},{"word":"plains","start":48.335003,"end":48.835003,"confidence":0.8854378,"punctuated_word":"Plains.","sentiment":"neutral","sentiment_score":0.06633758544921875},{"word":"not","start":59.25,"end":59.41,"confidence":0.69500625,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.13983769714832306},{"word":"really","start":59.41,"end":59.81,"confidence":0.9964719,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.1712997555732727},{"word":"i'm","start":59.81,"end":59.97,"confidence":0.99856055,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.17928862571716309},{"word":"just","start":59.97,"end":60.21,"confidence":0.86877394,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":-0.21316294372081757},{"word":"like","start":60.21,"end":60.45,"confidence":0.9984945,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.15821582078933716},{"word":"doing","start":60.45,"end":60.95,"confidence":0.99890244,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.1489354819059372},{"word":"couple","start":61.25,"end":61.57,"confidence":0.8038424,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.14951860904693604},{"word":"of","start":61.57,"end":61.65,"confidence":0.8289112,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1541423350572586},{"word":"days","start":61.65,"end":61.89,"confidence":0.9983682,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.1064743474125862},{"word":"here","start":61.89,"end":62.13,"confidence":0.9984579,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.14679011702537537},{"word":"and","start":62.13,"end":62.29,"confidence":0.9932765,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.18278811872005463},{"word":"there","start":62.29,"end":62.53,"confidence":0.99789834,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1809736341238022},{"word":"just","start":62.53,"end":62.85,"confidence":0.62747574,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":-0.17421403527259827},{"word":"like","start":62.85,"end":63.35,"confidence":0.99760735,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.17565122246742249},{"word":"with","start":63.41,"end":63.73,"confidence":0.99953616,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.17957636713981628},{"word":"my","start":63.73,"end":63.97,"confidence":0.9998097,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.20133234560489657},{"word":"mates","start":63.97,"end":64.47,"confidence":0.8662555,"punctuated_word":"mates.","sentiment":"neutral","sentiment_score":-0.15407229959964752},{"word":"like","start":64.61,"end":64.85,"confidence":0.9741568,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.1566958129405975},{"word":"just","start":64.85,"end":65.09,"confidence":0.9917252,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.16863524913787842},{"word":"give","start":65.09,"end":65.25,"confidence":0.99226403,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.22146441042423248},{"word":"me","start":65.25,"end":65.41,"confidence":0.998055,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.176648810505867},{"word":"a","start":65.41,"end":65.57,"confidence":0.98449916,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15055717527866364},{"word":"day","start":65.57,"end":65.89,"confidence":0.61375165,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.09664619714021684},{"word":"here","start":65.89,"end":66.13,"confidence":0.8332849,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":-0.15655669569969177},{"word":"a","start":66.13,"end":66.29,"confidence":0.9357316,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16239586472511292},{"word":"day","start":66.29,"end":66.45,"confidence":0.9997484,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.10737841576337814},{"word":"there","start":66.45,"end":66.69,"confidence":0.9563181,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.16065213084220886},{"word":"other","start":66.69,"end":66.93,"confidence":0.9971973,"punctuated_word":"Other","sentiment":"neutral","sentiment_score":-0.16566863656044006},{"word":"than","start":66.93,"end":67.09,"confidence":0.99923944,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.14077915251255035},{"word":"that","start":67.09,"end":67.25,"confidence":0.9959387,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.16244328022003174},{"word":"nothing","start":67.25,"end":67.65,"confidence":0.9972071,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.14544633030891418},{"word":"really","start":67.65,"end":68.15,"confidence":0.9310919,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.11799590289592744},{"word":"yep","start":75.465,"end":75.965,"confidence":0.9976697,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.02989315614104271},{"word":"no","start":79.545,"end":79.704994,"confidence":0.9831875,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11577486246824265},{"word":"i","start":79.704994,"end":79.865,"confidence":0.9381915,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1031205803155899},{"word":"still","start":79.865,"end":80.104996,"confidence":0.9561756,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.08474382013082504},{"word":"got","start":80.104996,"end":80.345,"confidence":0.9993789,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.08712965995073318},{"word":"some","start":80.345,"end":80.585,"confidence":0.9898155,"punctuated_word":"some.","sentiment":"neutral","sentiment_score":-0.09722024202346802},{"word":"i","start":80.585,"end":80.66499,"confidence":0.9989054,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09357047080993652},{"word":"still","start":80.66499,"end":80.905,"confidence":0.9795181,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.023762091994285583},{"word":"got","start":80.905,"end":81.064995,"confidence":0.9990883,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.029575403779745105},{"word":"most","start":81.064995,"end":81.384995,"confidence":0.999275,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.03847700357437134},{"word":"of","start":81.384995,"end":81.465,"confidence":0.9997069,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03944943845272064},{"word":"it","start":81.465,"end":81.9,"confidence":0.9959855,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.03016083501279354},{"word":"yeah","start":86.06,"end":86.380005,"confidence":0.9958424,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.018752310425043103},{"word":"yeah","start":86.380005,"end":86.880005,"confidence":0.9965608,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.038753073662519455},{"word":"no","start":91.26,"end":91.66,"confidence":0.94580823,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06822673976421356},{"word":"not","start":91.66,"end":91.9,"confidence":0.9967206,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.07491657137870789},{"word":"really","start":91.9,"end":92.4,"confidence":0.99906915,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.07931970059871674},{"word":"not","start":92.700005,"end":92.94,"confidence":0.997081,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.09187953919172288},{"word":"really","start":92.94,"end":93.44,"confidence":0.999759,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.08026441186666489},{"word":"no","start":94.315,"end":94.395,"confidence":0.9490028,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07250989973545074},{"word":"just","start":94.395,"end":94.555,"confidence":0.53609186,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.08170376718044281},{"word":"looking","start":94.555,"end":94.875,"confidence":0.99067396,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.12710697948932648},{"word":"after","start":94.875,"end":95.195,"confidence":0.95157874,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.16427601873874664},{"word":"my","start":95.195,"end":95.354996,"confidence":0.9945682,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.14103886485099792},{"word":"mom","start":95.354996,"end":95.595,"confidence":0.9537938,"punctuated_word":"mom.","sentiment":"neutral","sentiment_score":-0.13886883854866028},{"word":"my","start":95.595,"end":95.674995,"confidence":0.9990711,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.2057642936706543},{"word":"mom","start":95.674995,"end":95.994995,"confidence":0.9959726,"punctuated_word":"mom","sentiment":"neutral","sentiment_score":-0.3098735809326172},{"word":"is","start":95.994995,"end":96.075,"confidence":0.6751838,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.2374128699302673},{"word":"like","start":96.075,"end":96.575,"confidence":0.9995289,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.21545901894569397},{"word":"having","start":97.195,"end":97.515,"confidence":0.9993274,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.24396879971027377},{"word":"problems","start":97.515,"end":98.015,"confidence":0.96825016,"punctuated_word":"problems.","sentiment":"neutral","sentiment_score":-0.2038506120443344},{"word":"she","start":98.475,"end":98.635,"confidence":0.98027855,"punctuated_word":"She","sentiment":"neutral","sentiment_score":-0.15988661348819733},{"word":"might","start":98.635,"end":98.875,"confidence":0.96338207,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.2058587372303009},{"word":"have","start":98.875,"end":99.034996,"confidence":0.99175006,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.19186916947364807},{"word":"an","start":99.034996,"end":99.195,"confidence":0.9958949,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.18643341958522797},{"word":"operation","start":99.195,"end":99.674995,"confidence":0.98975694,"punctuated_word":"operation","sentiment":"neutral","sentiment_score":-0.2234320491552353},{"word":"soon","start":99.674995,"end":99.994995,"confidence":0.99411166,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":-0.17985019087791443},{"word":"she's","start":99.994995,"end":100.235,"confidence":0.9994184,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":-0.16181021928787231},{"word":"got","start":100.235,"end":100.395,"confidence":0.9108278,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":-0.15828049182891846},{"word":"like","start":100.395,"end":100.895,"confidence":0.7899381,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.15001539885997772},{"word":"like","start":101.835,"end":102.075,"confidence":0.474877,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.12542054057121277},{"word":"she","start":102.075,"end":102.315,"confidence":0.8618717,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.15821336209774017},{"word":"does","start":102.315,"end":102.475,"confidence":0.6117508,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.1628852337598801},{"word":"not","start":102.475,"end":102.715,"confidence":0.86364555,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.15597042441368103},{"word":"remembering","start":102.715,"end":103.115,"confidence":0.9713397,"punctuated_word":"remembering","sentiment":"neutral","sentiment_score":-0.15901687741279602},{"word":"heaps","start":103.115,"end":103.354996,"confidence":0.9853539,"punctuated_word":"heaps","sentiment":"neutral","sentiment_score":-0.1952240765094757},{"word":"of","start":103.354996,"end":103.515,"confidence":0.9635483,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19418999552726743},{"word":"stuff","start":103.515,"end":103.674995,"confidence":0.7849849,"punctuated_word":"stuff,","sentiment":"neutral","sentiment_score":-0.19565972685813904},{"word":"so","start":103.674995,"end":103.835,"confidence":0.99370426,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.13855956494808197},{"word":"i've","start":103.835,"end":103.915,"confidence":0.92041266,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.16891199350357056},{"word":"been","start":103.915,"end":104.075,"confidence":0.99345785,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.16985578835010529},{"word":"taking","start":104.075,"end":104.315,"confidence":0.96677655,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.20904485881328583},{"word":"her","start":104.315,"end":104.475,"confidence":0.6091015,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.1793719381093979},{"word":"to","start":104.475,"end":104.634995,"confidence":0.9956768,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20773504674434665},{"word":"doctors","start":104.634995,"end":105.034996,"confidence":0.9394435,"punctuated_word":"doctors","sentiment":"neutral","sentiment_score":-0.14174285531044006},{"word":"now","start":105.034996,"end":105.275,"confidence":0.76294184,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.1400393545627594},{"word":"i've","start":105.275,"end":105.354996,"confidence":0.80289626,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.06924580782651901},{"word":"got","start":105.354996,"end":105.515,"confidence":0.99859947,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.08069556206464767},{"word":"a","start":105.515,"end":105.595,"confidence":0.9807793,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07142237573862076},{"word":"specialist","start":105.595,"end":105.994995,"confidence":0.99196166,"punctuated_word":"specialist","sentiment":"neutral","sentiment_score":-0.0905596762895584},{"word":"on","start":105.994995,"end":106.235,"confidence":0.9882869,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03353855758905411},{"word":"thursday","start":106.235,"end":106.735,"confidence":0.75593257,"punctuated_word":"Thursday.","sentiment":"neutral","sentiment_score":-0.06064557284116745},{"word":"been","start":107.07,"end":107.310005,"confidence":0.9410095,"punctuated_word":"Been","sentiment":"neutral","sentiment_score":-0.04723016917705536},{"word":"taking","start":107.310005,"end":107.590004,"confidence":0.98481673,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.0725959986448288},{"word":"it","start":107.590004,"end":107.87,"confidence":0.93215686,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08175528794527054},{"word":"to","start":107.87,"end":108.19,"confidence":0.99796665,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05370798707008362},{"word":"all","start":108.19,"end":108.43,"confidence":0.99301744,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.04990450292825699},{"word":"these","start":108.43,"end":108.93,"confidence":0.9836556,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.05333820730447769},{"word":"testing","start":109.07,"end":109.47,"confidence":0.99551564,"punctuated_word":"testing","sentiment":"neutral","sentiment_score":-0.05227590352296829},{"word":"and","start":109.47,"end":109.79,"confidence":0.9962889,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08660708367824554},{"word":"stuff","start":109.79,"end":110.03,"confidence":0.99912745,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.12195347994565964},{"word":"like","start":110.03,"end":110.270004,"confidence":0.9855254,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.09841616451740264},{"word":"that","start":110.270004,"end":110.770004,"confidence":0.99947876,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.043652210384607315},{"word":"not","start":117.15,"end":117.39,"confidence":0.90826184,"punctuated_word":"Not","sentiment":"negative","sentiment_score":-0.3910590410232544},{"word":"really","start":117.39,"end":117.71,"confidence":0.7112367,"punctuated_word":"really.","sentiment":"negative","sentiment_score":-0.3520600497722626},{"word":"because","start":117.71,"end":118.21,"confidence":0.98389536,"punctuated_word":"Because","sentiment":"negative","sentiment_score":-0.33700278401374817},{"word":"i","start":118.270004,"end":118.35,"confidence":0.52832985,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.35628852248191833},{"word":"don't","start":118.35,"end":118.51,"confidence":0.9661733,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.4035601019859314},{"word":"know","start":118.51,"end":118.67,"confidence":0.740214,"punctuated_word":"know.","sentiment":"negative","sentiment_score":-0.3431841731071472},{"word":"like","start":118.67,"end":118.83,"confidence":0.810092,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.2919522523880005},{"word":"because","start":118.83,"end":119.07,"confidence":0.98784477,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.28313755989074707},{"word":"i've","start":119.07,"end":119.23,"confidence":0.9266336,"punctuated_word":"I've","sentiment":"negative","sentiment_score":-0.345782607793808},{"word":"got","start":119.23,"end":119.39,"confidence":0.99972326,"punctuated_word":"got","sentiment":"negative","sentiment_score":-0.3853614330291748},{"word":"money","start":119.39,"end":119.55,"confidence":0.9998876,"punctuated_word":"money","sentiment":"negative","sentiment_score":-0.36005955934524536},{"word":"in","start":119.55,"end":119.71,"confidence":0.99983203,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4095908999443054},{"word":"the","start":119.71,"end":119.87,"confidence":0.99984515,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4271035790443421},{"word":"bank","start":119.87,"end":120.37,"confidence":0.9997335,"punctuated_word":"bank","sentiment":"negative","sentiment_score":-0.4698697328567505},{"word":"and","start":120.67,"end":120.91,"confidence":0.42394418,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.28402233123779297},{"word":"that","start":120.91,"end":121.15,"confidence":0.99943405,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3971306979656219},{"word":"money","start":121.15,"end":121.39,"confidence":0.9999527,"punctuated_word":"money","sentiment":"negative","sentiment_score":-0.3550311028957367},{"word":"that","start":121.39,"end":121.55,"confidence":0.99961627,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.28060656785964966},{"word":"i've","start":121.55,"end":121.79,"confidence":0.8133205,"punctuated_word":"I've","sentiment":"negative","sentiment_score":-0.3450692296028137},{"word":"got","start":121.79,"end":121.950005,"confidence":0.6930061,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":-0.31426146626472473},{"word":"and","start":121.950005,"end":122.450005,"confidence":0.9766342,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2982902228832245},{"word":"i","start":122.885,"end":123.045,"confidence":0.9973476,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.41328126192092896},{"word":"don't","start":123.045,"end":123.205,"confidence":0.99631596,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.396883487701416},{"word":"know","start":123.205,"end":123.285,"confidence":0.9981261,"punctuated_word":"know","sentiment":"negative","sentiment_score":-0.3602258563041687},{"word":"if","start":123.285,"end":123.605,"confidence":0.9984004,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.40970751643180847},{"word":"anyone","start":123.605,"end":123.805,"confidence":0.99330056,"punctuated_word":"anyone","sentiment":"negative","sentiment_score":-0.4415452480316162},{"word":"like","start":124.005,"end":124.245,"confidence":0.95576906,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.38737255334854126},{"word":"if","start":124.245,"end":124.405,"confidence":0.9964682,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.4558616876602173},{"word":"they'll","start":124.405,"end":124.565,"confidence":0.9639627,"punctuated_word":"they'll","sentiment":"negative","sentiment_score":-0.46041417121887207},{"word":"give","start":124.565,"end":124.725,"confidence":0.99759465,"punctuated_word":"give","sentiment":"negative","sentiment_score":-0.505401074886322},{"word":"me","start":124.725,"end":124.965,"confidence":0.99882907,"punctuated_word":"me","sentiment":"negative","sentiment_score":-0.4714181423187256},{"word":"anything","start":124.965,"end":125.445,"confidence":0.7209687,"punctuated_word":"anything.","sentiment":"negative","sentiment_score":-0.4044006466865539},{"word":"fuck","start":125.445,"end":125.945,"confidence":0.9817322,"punctuated_word":"Fuck.","sentiment":"negative","sentiment_score":-0.6007612943649292},{"word":"yeah","start":134.885,"end":135.33,"confidence":0.8712628,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08364448696374893},{"word":"yeah","start":149.915,"end":150.155,"confidence":0.91143566,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07387788593769073},{"word":"no","start":150.155,"end":150.395,"confidence":0.99080324,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.14373604953289032},{"word":"worries","start":150.395,"end":150.715,"confidence":0.99705666,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.15378758311271667},{"word":"i'll","start":150.715,"end":150.875,"confidence":0.849066,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1855165809392929},{"word":"have","start":150.875,"end":151.035,"confidence":0.99919504,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23250353336334229},{"word":"a","start":151.035,"end":151.115,"confidence":0.9613397,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2306247651576996},{"word":"look","start":151.115,"end":151.275,"confidence":0.99969137,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14484219253063202},{"word":"into","start":151.275,"end":151.515,"confidence":0.9974026,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.17097899317741394},{"word":"it","start":151.515,"end":152.015,"confidence":0.99803984,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14127589762210846},{"word":"yeah","start":156.475,"end":156.975,"confidence":0.9633001,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.041156426072120667},{"word":"no","start":177.26,"end":177.5,"confidence":0.9095819,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.11852959543466568},{"word":"worries","start":177.5,"end":178.0,"confidence":0.9925772,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.11755411326885223},{"word":"that's","start":188.72499,"end":189.045,"confidence":0.97253203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.033378854393959045},{"word":"correct","start":189.045,"end":189.545,"confidence":0.9992349,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.10078243911266328},{"word":"yep","start":189.765,"end":190.26,"confidence":0.72386575,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2453741878271103},{"word":"yep","start":220.45,"end":220.95,"confidence":0.8568064,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07496052235364914},{"word":"yep","start":232.04999,"end":232.54999,"confidence":0.94391024,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09050168097019196},{"word":"so","start":256.52002,"end":256.76,"confidence":0.30851817,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5535508394241333},{"word":"good","start":256.76,"end":257.26,"confidence":0.9505287,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5077773928642273},{"word":"no","start":283.33,"end":283.56998,"confidence":0.7980001,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13826946914196014},{"word":"no","start":283.56998,"end":283.81,"confidence":0.9810178,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1459183543920517},{"word":"not","start":283.81,"end":284.05,"confidence":0.9942567,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.16018891334533691},{"word":"really","start":284.05,"end":284.44998,"confidence":0.9934634,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.15779370069503784},{"word":"not","start":284.44998,"end":284.77,"confidence":0.9982162,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.219081312417984},{"word":"really","start":284.77,"end":285.16998,"confidence":0.99958575,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.19797328114509585},{"word":"other","start":285.16998,"end":285.40997,"confidence":0.9984536,"punctuated_word":"Other","sentiment":"neutral","sentiment_score":-0.1232702061533928},{"word":"than","start":285.40997,"end":285.56998,"confidence":0.99919206,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.10623829811811449},{"word":"that","start":285.56998,"end":285.72998,"confidence":0.95933807,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.07692165672779083},{"word":"like","start":285.72998,"end":285.97,"confidence":0.8903094,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.07672767341136932},{"word":"i","start":285.97,"end":286.12997,"confidence":0.9868854,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04510653764009476},{"word":"spoke","start":286.12997,"end":286.62997,"confidence":0.9450138,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":-0.038306113332509995},{"word":"i","start":287.00998,"end":287.09,"confidence":0.5557391,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07813282310962677},{"word":"spoke","start":287.09,"end":287.19,"confidence":0.77737194,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":-0.1032143235206604},{"word":"i","start":287.28998,"end":287.38998,"confidence":0.927614,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09595516324043274},{"word":"don't","start":287.38998,"end":287.49,"confidence":0.9806299,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.11471983045339584},{"word":"know","start":287.49,"end":287.65,"confidence":0.9969614,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.14332114160060885},{"word":"if","start":287.65,"end":287.72998,"confidence":0.9967867,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.15462152659893036},{"word":"it","start":287.72998,"end":287.81,"confidence":0.98616135,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13257485628128052},{"word":"was","start":287.81,"end":288.05,"confidence":0.9959478,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.12025986611843108},{"word":"you","start":288.05,"end":288.21,"confidence":0.9991146,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10458846390247344},{"word":"or","start":288.21,"end":288.44998,"confidence":0.9978956,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.14083722233772278},{"word":"somebody","start":288.44998,"end":288.84998,"confidence":0.76893353,"punctuated_word":"somebody.","sentiment":"neutral","sentiment_score":-0.18223699927330017},{"word":"and","start":288.84998,"end":289.00998,"confidence":0.6825352,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.042164236307144165},{"word":"i","start":289.00998,"end":289.16998,"confidence":0.9967945,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01470009982585907},{"word":"said","start":289.16998,"end":289.40997,"confidence":0.9490595,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.010583586990833282},{"word":"look","start":289.40997,"end":289.785,"confidence":0.7505237,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.004353776574134827},{"word":"if","start":290.98502,"end":291.305,"confidence":0.9928322,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.07028898596763611},{"word":"i","start":291.305,"end":291.465,"confidence":0.9994553,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.036850444972515106},{"word":"can","start":291.465,"end":291.70502,"confidence":0.9965072,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07453983277082443},{"word":"contribute","start":291.70502,"end":292.20502,"confidence":0.9998877,"punctuated_word":"contribute","sentiment":"neutral","sentiment_score":0.01085631549358368},{"word":"myself","start":292.265,"end":292.665,"confidence":0.71480906,"punctuated_word":"myself,","sentiment":"neutral","sentiment_score":0.0525127612054348},{"word":"and","start":292.665,"end":292.825,"confidence":0.99642915,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03031826764345169},{"word":"you","start":292.825,"end":292.98502,"confidence":0.9996213,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02047950029373169},{"word":"said","start":292.98502,"end":293.48502,"confidence":0.9994301,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.04037756472826004},{"word":"give","start":293.545,"end":293.865,"confidence":0.6502335,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.019200727343559265},{"word":"it","start":293.865,"end":293.945,"confidence":0.74529284,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.002828158438205719},{"word":"six","start":293.945,"end":294.185,"confidence":0.9986223,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.013769276440143583},{"word":"months","start":294.185,"end":294.42502,"confidence":0.62445784,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.009899191558361052},{"word":"and","start":294.42502,"end":294.665,"confidence":0.993363,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04956672340631485},{"word":"then","start":294.665,"end":294.905,"confidence":0.73915267,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.06532801687717438},{"word":"like","start":294.905,"end":295.065,"confidence":0.9964186,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.020320318639278412},{"word":"i","start":295.065,"end":295.225,"confidence":0.9408457,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03986714035272598},{"word":"said","start":295.225,"end":295.725,"confidence":0.976827,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.06091301888227463},{"word":"maybe","start":295.785,"end":296.185,"confidence":0.9193788,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.09013409167528152},{"word":"i","start":296.185,"end":296.265,"confidence":0.99728,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08082098513841629},{"word":"can","start":296.265,"end":296.42502,"confidence":0.99799275,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1041022688150406},{"word":"pull","start":296.42502,"end":296.665,"confidence":0.57290643,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.07274795323610306},{"word":"$50","start":296.665,"end":297.305,"confidence":0.9995925,"punctuated_word":"$50","sentiment":"neutral","sentiment_score":0.07604885846376419},{"word":"a","start":297.305,"end":297.385,"confidence":0.998425,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08061695098876953},{"word":"week","start":297.385,"end":297.625,"confidence":0.99985576,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.07353115826845169},{"word":"from","start":297.625,"end":297.865,"confidence":0.92924535,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.030892767012119293},{"word":"my","start":297.865,"end":297.945,"confidence":0.86415094,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.04546655714511871},{"word":"own","start":297.945,"end":298.105,"confidence":0.9941298,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.016451016068458557},{"word":"money","start":298.105,"end":298.505,"confidence":0.9997819,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.03022231161594391},{"word":"into","start":298.505,"end":298.745,"confidence":0.9916121,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.06230282783508301},{"word":"it","start":298.745,"end":299.245,"confidence":0.99650663,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.050729066133499146},{"word":"and","start":299.545,"end":299.785,"confidence":0.8299841,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.051342807710170746},{"word":"just","start":299.785,"end":300.105,"confidence":0.9993925,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07052966207265854},{"word":"just","start":300.105,"end":300.425,"confidence":0.991143,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07578898221254349},{"word":"put","start":300.425,"end":300.585,"confidence":0.9983005,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.06053391098976135},{"word":"in","start":300.585,"end":300.825,"confidence":0.82399416,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.04509695619344711},{"word":"and","start":300.825,"end":301.325,"confidence":0.9986854,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07334305346012115},{"word":"you","start":301.465,"end":301.625,"confidence":0.9963301,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0460999459028244},{"word":"said","start":301.625,"end":301.865,"confidence":0.9998591,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.08930739015340805},{"word":"you're","start":301.865,"end":302.025,"confidence":0.932376,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09491633623838425},{"word":"gonna","start":302.025,"end":302.525,"confidence":0.99285007,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.12840330600738523},{"word":"look","start":303.145,"end":303.305,"confidence":0.8190834,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09704018384218216},{"word":"into","start":303.305,"end":303.625,"confidence":0.99965787,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.15838594734668732},{"word":"it","start":303.625,"end":303.785,"confidence":0.99858236,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11607687920331956},{"word":"and","start":303.785,"end":304.26,"confidence":0.7248611,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09359470754861832},{"word":"and","start":304.5,"end":304.66,"confidence":0.8601401,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.10818572342395782},{"word":"like","start":304.66,"end":304.98,"confidence":0.9711822,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11538480222225188},{"word":"maybe","start":304.98,"end":305.22,"confidence":0.99915004,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.15046043694019318},{"word":"give","start":305.22,"end":305.38,"confidence":0.9960322,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.12624531984329224},{"word":"me","start":305.38,"end":305.54,"confidence":0.99895453,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.15254703164100647},{"word":"something","start":305.54,"end":305.94,"confidence":0.99972695,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.1500268280506134},{"word":"where","start":305.94,"end":306.18002,"confidence":0.99679214,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.173395037651062},{"word":"i","start":306.18002,"end":306.26,"confidence":0.9994215,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1474882960319519},{"word":"can","start":306.26,"end":306.5,"confidence":0.99524766,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19795814156532288},{"word":"just","start":306.5,"end":307.0,"confidence":0.9992111,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17731019854545593},{"word":"put","start":307.06,"end":307.30002,"confidence":0.99904805,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.1947187632322311},{"word":"into","start":307.30002,"end":307.62,"confidence":0.98396605,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.16989389061927795},{"word":"it","start":307.62,"end":307.7,"confidence":0.707922,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.12452921271324158},{"word":"like","start":307.7,"end":307.94,"confidence":0.98423827,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10902046412229538},{"word":"$50","start":307.94,"end":308.5,"confidence":0.9795147,"punctuated_word":"$50","sentiment":"neutral","sentiment_score":0.1563943326473236},{"word":"a","start":308.5,"end":308.58002,"confidence":0.9992341,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15656346082687378},{"word":"week","start":308.58002,"end":308.82,"confidence":0.99995315,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.12501859664916992},{"word":"or","start":308.82,"end":308.98,"confidence":0.99441576,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1578570306301117},{"word":"something","start":308.98,"end":309.22,"confidence":0.9998331,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.08440456539392471},{"word":"just","start":309.22,"end":309.46002,"confidence":0.5184742,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08767400681972504},{"word":"so","start":309.46002,"end":309.62,"confidence":0.9942485,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12194133549928664},{"word":"i","start":309.62,"end":309.7,"confidence":0.99642664,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14296214282512665},{"word":"can","start":309.7,"end":309.94,"confidence":0.9982175,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15759503841400146},{"word":"still","start":309.94,"end":310.18002,"confidence":0.9994867,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.20399823784828183},{"word":"contribute","start":310.18002,"end":310.66,"confidence":0.9998247,"punctuated_word":"contribute","sentiment":"neutral","sentiment_score":0.12540066242218018},{"word":"a","start":310.66,"end":310.74002,"confidence":0.9979937,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16542154550552368},{"word":"little","start":310.74002,"end":310.98,"confidence":0.9999349,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1858925819396973},{"word":"bit","start":310.98,"end":311.38,"confidence":0.99932396,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2089962512254715},{"word":"if","start":311.38,"end":311.54,"confidence":0.90372854,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13307081162929535},{"word":"i","start":311.54,"end":311.7,"confidence":0.9408495,"punctuated_word":"I,","sentiment":"neutral","sentiment_score":0.08446140587329865},{"word":"you","start":311.7,"end":311.86002,"confidence":0.9996358,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025842487812042236},{"word":"know","start":311.86002,"end":312.02002,"confidence":0.99850714,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.04396779835224152},{"word":"if","start":312.02002,"end":312.18002,"confidence":0.9992094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08842362463474274},{"word":"i","start":312.18002,"end":312.26,"confidence":0.9996309,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03348164260387421},{"word":"can","start":312.26,"end":312.42,"confidence":0.9917067,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0722133070230484},{"word":"manage","start":312.42,"end":312.74002,"confidence":0.95916563,"punctuated_word":"manage.","sentiment":"neutral","sentiment_score":0.00834890827536583},{"word":"you","start":312.74002,"end":312.90002,"confidence":0.9770173,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.00978771597146988},{"word":"know","start":312.90002,"end":313.06,"confidence":0.9998264,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.00536847859621048},{"word":"what","start":313.06,"end":313.22,"confidence":0.9977102,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.010013125836849213},{"word":"i","start":313.22,"end":313.38,"confidence":0.9992699,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0011425837874412537},{"word":"mean","start":313.38,"end":313.88,"confidence":0.9993605,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":0.023474445566534996},{"word":"yeah","start":324.155,"end":324.395,"confidence":0.8028006,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.165703147649765},{"word":"just","start":324.395,"end":324.63498,"confidence":0.745758,"punctuated_word":"Just,","sentiment":"neutral","sentiment_score":0.17835819721221924},{"word":"like","start":324.63498,"end":324.79498,"confidence":0.98963726,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.19054162502288816},{"word":"if","start":324.79498,"end":324.955,"confidence":0.9984377,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.22422221302986145},{"word":"you","start":324.955,"end":325.115,"confidence":0.9995863,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18819913268089297},{"word":"give","start":325.115,"end":325.275,"confidence":0.9804074,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.15629515051841736},{"word":"me","start":325.275,"end":325.51498,"confidence":0.9711057,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.16917623579502106},{"word":"like","start":325.51498,"end":326.01498,"confidence":0.9978962,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.14359799027442932},{"word":"where","start":326.07498,"end":326.395,"confidence":0.99958855,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.13080084323883057},{"word":"where","start":326.395,"end":326.715,"confidence":0.9950299,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.08724847435951233},{"word":"i","start":326.715,"end":326.875,"confidence":0.99832135,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10509903728961945},{"word":"need","start":326.875,"end":327.115,"confidence":0.9896417,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.10539669543504716},{"word":"to","start":327.115,"end":327.19498,"confidence":0.99948585,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0911794900894165},{"word":"put","start":327.19498,"end":327.435,"confidence":0.99985063,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.07520875334739685},{"word":"in","start":327.435,"end":327.675,"confidence":0.994919,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07866556942462921},{"word":"or","start":327.675,"end":327.995,"confidence":0.99049205,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11013632267713548},{"word":"what","start":327.995,"end":328.315,"confidence":0.72102714,"punctuated_word":"what,","sentiment":"neutral","sentiment_score":0.10619035363197328},{"word":"and","start":328.315,"end":328.47498,"confidence":0.9974764,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1173298954963684},{"word":"then","start":328.47498,"end":328.97498,"confidence":0.97565544,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.1523301601409912},{"word":"you","start":329.115,"end":329.19498,"confidence":0.9996587,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1068853959441185},{"word":"know","start":329.19498,"end":329.51498,"confidence":0.99597824,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.11217831820249556},{"word":"whenever","start":329.51498,"end":329.91498,"confidence":0.99321496,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.1522185355424881},{"word":"i've","start":329.91498,"end":330.155,"confidence":0.8196596,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.14321336150169373},{"word":"got","start":330.155,"end":330.315,"confidence":0.8903894,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.15950855612754822},{"word":"like","start":330.315,"end":330.555,"confidence":0.96851474,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1442113220691681},{"word":"if","start":330.555,"end":330.715,"confidence":0.6777354,"punctuated_word":"if,","sentiment":"neutral","sentiment_score":0.18372252583503723},{"word":"you","start":330.715,"end":330.79498,"confidence":0.9987803,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12798507511615753},{"word":"know","start":330.79498,"end":331.035,"confidence":0.9984287,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.12999945878982544},{"word":"every","start":331.035,"end":331.35498,"confidence":0.9991352,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.16258040070533752},{"word":"week","start":331.35498,"end":331.51498,"confidence":0.9997962,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.13020774722099304},{"word":"or","start":331.51498,"end":331.675,"confidence":0.6935804,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.198085755109787},{"word":"every","start":331.675,"end":331.835,"confidence":0.9975182,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.17735646665096283},{"word":"second","start":331.835,"end":332.155,"confidence":0.99499846,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.18567319214344025},{"word":"week","start":332.155,"end":332.315,"confidence":0.83603275,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.1995403915643692},{"word":"if","start":332.315,"end":332.47498,"confidence":0.79520375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2419840395450592},{"word":"i","start":332.47498,"end":332.555,"confidence":0.98514,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1968681812286377},{"word":"can","start":332.555,"end":332.97,"confidence":0.99162525,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.23573581874370575},{"word":"you","start":333.05,"end":333.21,"confidence":0.9995889,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18376097083091736},{"word":"know","start":333.21,"end":333.37,"confidence":0.9855404,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2101412862539291},{"word":"if","start":333.37,"end":333.45,"confidence":0.99712497,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.27245599031448364},{"word":"i","start":333.45,"end":333.53,"confidence":0.9993017,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24514293670654297},{"word":"can","start":333.53,"end":333.85,"confidence":0.99728155,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2488664537668228},{"word":"put","start":333.85,"end":334.17,"confidence":0.99785596,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.23520393669605255},{"word":"just","start":334.17,"end":334.41,"confidence":0.88160574,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2248774766921997},{"word":"something","start":334.41,"end":334.81,"confidence":0.99579054,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.2508047819137573},{"word":"in","start":334.81,"end":334.97,"confidence":0.9994161,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2005455642938614},{"word":"there","start":334.97,"end":335.21,"confidence":0.999778,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2600829005241394},{"word":"and","start":335.21,"end":335.37,"confidence":0.58277875,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.28149861097335815},{"word":"you","start":335.37,"end":335.45,"confidence":0.9923889,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2530892789363861},{"word":"know","start":335.45,"end":335.61002,"confidence":0.9993439,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.269775390625},{"word":"if","start":335.61002,"end":335.77,"confidence":0.9881493,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4090108275413513},{"word":"it","start":335.77,"end":336.01,"confidence":0.9974349,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3971807062625885},{"word":"helps","start":336.01,"end":336.51,"confidence":0.9846827,"punctuated_word":"helps,","sentiment":"positive","sentiment_score":0.3987728953361511},{"word":"it's","start":336.89,"end":337.05,"confidence":0.9938808,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.32022032141685486},{"word":"not","start":337.05,"end":337.21,"confidence":0.9997639,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.18904033303260803},{"word":"gonna","start":337.21,"end":337.45,"confidence":0.9638503,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.17129823565483093},{"word":"do","start":337.45,"end":337.61002,"confidence":0.99676824,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06935520470142365},{"word":"any","start":337.61002,"end":338.11002,"confidence":0.997767,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.11405585706233978},{"word":"harm","start":338.25,"end":338.75,"confidence":0.9967319,"punctuated_word":"harm.","sentiment":"neutral","sentiment_score":0.0738048106431961},{"word":"yeah","start":345.85,"end":346.17,"confidence":0.96761215,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14007055759429932},{"word":"yeah","start":346.17,"end":346.33,"confidence":0.9974586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19196717441082},{"word":"that's","start":346.33,"end":346.65,"confidence":0.9995529,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.25135907530784607},{"word":"right","start":346.65,"end":346.97,"confidence":0.92628783,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.23111584782600403},{"word":"like","start":346.97,"end":347.13,"confidence":0.9988846,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":0.13257071375846863},{"word":"i","start":347.13,"end":347.29,"confidence":0.9971131,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10129344463348389},{"word":"said","start":347.29,"end":347.79,"confidence":0.77048504,"punctuated_word":"said.","sentiment":"neutral","sentiment_score":0.05913263559341431},{"word":"yeah","start":402.935,"end":403.435,"confidence":0.78051764,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07779184728860855},{"word":"no","start":405.495,"end":405.735,"confidence":0.99039054,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.08749149739742279},{"word":"worries","start":405.735,"end":406.235,"confidence":0.99855494,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.11407549679279327},{"word":"yes","start":431.555,"end":432.055,"confidence":0.8045764,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.3751269578933716},{"word":"no","start":445.39502,"end":445.635,"confidence":0.9264593,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08946847170591354},{"word":"no","start":445.635,"end":445.795,"confidence":0.9612487,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.077794149518013},{"word":"i'm","start":445.795,"end":445.95502,"confidence":0.9932761,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4336858987808227},{"word":"fine","start":445.95502,"end":446.195,"confidence":0.9972601,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.5193936824798584},{"word":"thanks","start":446.195,"end":446.67502,"confidence":0.9978312,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.6662077903747559},{"word":"i'm","start":446.67502,"end":446.915,"confidence":0.9897674,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3850674033164978},{"word":"alright","start":446.915,"end":447.415,"confidence":0.9962356,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.3275482654571533},{"word":"yeah","start":457.13,"end":457.45,"confidence":0.98767126,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.042207956314086914},{"word":"yeah","start":457.45,"end":457.77002,"confidence":0.9948523,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03551789000630379},{"word":"yeah","start":457.77002,"end":458.27002,"confidence":0.98168886,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03408493846654892},{"word":"i'm","start":484.41998,"end":484.58,"confidence":0.8065206,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.07948395609855652},{"word":"not","start":484.58,"end":484.82,"confidence":0.99890804,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.060071490705013275},{"word":"sure","start":484.82,"end":485.13998,"confidence":0.9893291,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.08218324184417725},{"word":"i'm","start":485.13998,"end":485.3,"confidence":0.9995364,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06596481800079346},{"word":"on","start":485.3,"end":485.46,"confidence":0.9995608,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04700986668467522},{"word":"the","start":485.46,"end":485.54,"confidence":0.99972683,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0627371221780777},{"word":"phone","start":485.54,"end":485.78,"confidence":0.7890635,"punctuated_word":"phone,","sentiment":"neutral","sentiment_score":-0.05604499951004982},{"word":"so","start":485.78,"end":485.94,"confidence":0.9990085,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.05678700655698776},{"word":"i","start":485.94,"end":486.02,"confidence":0.99809605,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05543818324804306},{"word":"haven't","start":486.02,"end":486.34,"confidence":0.99874866,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.04756683856248856},{"word":"really","start":486.34,"end":486.58,"confidence":0.99741685,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.051693305373191833},{"word":"looked","start":486.58,"end":486.82,"confidence":0.9848155,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.05674576759338379},{"word":"at","start":486.82,"end":486.97998,"confidence":0.9992248,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08580103516578674},{"word":"it","start":486.97998,"end":487.47998,"confidence":0.99929,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.06378856301307678},{"word":"yeah","start":491.055,"end":491.375,"confidence":0.8802116,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10675283521413804},{"word":"yeah","start":491.375,"end":491.535,"confidence":0.99886584,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06859105825424194},{"word":"yeah","start":491.535,"end":491.775,"confidence":0.99790776,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04520445317029953},{"word":"and","start":491.775,"end":491.935,"confidence":0.9896277,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0681740790605545},{"word":"then","start":491.935,"end":492.015,"confidence":0.9995616,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08614560961723328},{"word":"i'll","start":492.015,"end":492.175,"confidence":0.9916661,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08085541427135468},{"word":"have","start":492.175,"end":492.29498,"confidence":0.9995939,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07733407616615295},{"word":"a","start":492.29498,"end":492.415,"confidence":0.9888433,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1051647961139679},{"word":"look","start":492.415,"end":492.575,"confidence":0.9998652,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08380408585071564},{"word":"at","start":492.575,"end":492.655,"confidence":0.99878985,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11524011194705965},{"word":"it","start":492.655,"end":492.815,"confidence":0.9699467,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11884970963001253},{"word":"when","start":492.815,"end":493.055,"confidence":0.7430308,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.09706471860408784},{"word":"when","start":493.055,"end":493.295,"confidence":0.7378585,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.07127214223146439},{"word":"i","start":493.295,"end":493.455,"confidence":0.9937477,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06512404978275299},{"word":"hang","start":493.455,"end":493.615,"confidence":0.9801364,"punctuated_word":"hang","sentiment":"neutral","sentiment_score":0.04008980840444565},{"word":"up","start":493.615,"end":493.695,"confidence":0.6863425,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.06728740781545639},{"word":"and","start":493.695,"end":493.935,"confidence":0.99454933,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10023796558380128},{"word":"when","start":493.935,"end":494.175,"confidence":0.9912124,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.068367138504982},{"word":"i","start":494.175,"end":494.255,"confidence":0.9988298,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07368679344654083},{"word":"got","start":494.255,"end":494.495,"confidence":0.78357035,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06738752126693726},{"word":"time","start":494.495,"end":494.655,"confidence":0.98661363,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.08137127757072449},{"word":"i'll","start":494.655,"end":494.815,"confidence":0.9995388,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08333652466535568},{"word":"have","start":494.815,"end":494.975,"confidence":0.9995396,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07375102490186691},{"word":"a","start":494.975,"end":495.055,"confidence":0.9897395,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09346923232078552},{"word":"look","start":495.055,"end":495.215,"confidence":0.99966276,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07907873392105103},{"word":"at","start":495.215,"end":495.375,"confidence":0.99956256,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09689977765083312},{"word":"it","start":495.375,"end":495.875,"confidence":0.99909246,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.08959905803203583},{"word":"yeah","start":500.415,"end":500.915,"confidence":0.89631605,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03316343575716019},{"word":"yeah","start":530.33,"end":530.65,"confidence":0.8525367,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10363457351922988},{"word":"it's","start":530.65,"end":530.81,"confidence":0.9333428,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1225328892469406},{"word":"come","start":530.81,"end":531.13,"confidence":0.9736656,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.1258174180984497},{"word":"through","start":531.13,"end":531.63,"confidence":0.9937258,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.156817689538002},{"word":"yep","start":561.36,"end":561.86,"confidence":0.70543665,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05092431977391243},{"word":"yep","start":565.76,"end":566.26,"confidence":0.9087955,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.5511128902435303},{"word":"yes","start":576.10504,"end":576.60504,"confidence":0.89378667,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.5490012168884277},{"word":"yep","start":650.44495,"end":650.94495,"confidence":0.9042155,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12210525572299956},{"word":"yep","start":792.975,"end":793.475,"confidence":0.80210614,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.30575382709503174},{"word":"yes","start":909.765,"end":910.085,"confidence":0.772053,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.20734232664108276},{"word":"yep","start":910.085,"end":910.585,"confidence":0.8816733,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2894396185874939},{"word":"no","start":914.72504,"end":914.965,"confidence":0.95609176,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11042778193950652},{"word":"no","start":914.965,"end":915.205,"confidence":0.98660266,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10102596879005432},{"word":"no","start":915.205,"end":915.445,"confidence":0.75041616,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11947688460350037},{"word":"all","start":915.445,"end":915.605,"confidence":0.9443032,"punctuated_word":"All","sentiment":"neutral","sentiment_score":-0.006324321031570435},{"word":"good","start":915.605,"end":916.105,"confidence":0.9933099,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.03870738297700882},{"word":"no","start":938.475,"end":938.63495,"confidence":0.8806639,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14790737628936768},{"word":"no","start":938.63495,"end":939.13495,"confidence":0.93964744,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.074198417365551},{"word":"not","start":964.875,"end":965.195,"confidence":0.68465954,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.37203872203826904},{"word":"a","start":965.195,"end":965.27496,"confidence":0.97517234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2431514263153076},{"word":"problem","start":965.27496,"end":965.77496,"confidence":0.9976943,"punctuated_word":"problem.","sentiment":"positive","sentiment_score":0.39970242977142334},{"word":"yes","start":1016.99,"end":1017.31,"confidence":0.85229486,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.01316414400935173},{"word":"yes","start":1017.31,"end":1017.81,"confidence":0.75570035,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0961478278040886},{"word":"yes","start":1034.495,"end":1034.995,"confidence":0.7608752,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1466865837574005},{"word":"no","start":1043.3301,"end":1043.49,"confidence":0.75893676,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.19307219982147217},{"word":"no","start":1043.49,"end":1043.99,"confidence":0.78761625,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1380089521408081},{"word":"no","start":1061.8151,"end":1062.135,"confidence":0.85229623,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.19491305947303772},{"word":"no","start":1062.135,"end":1062.375,"confidence":0.9523896,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.32536646723747253},{"word":"no","start":1062.375,"end":1062.875,"confidence":0.9606931,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.38439881801605225},{"word":"no","start":1063.015,"end":1063.095,"confidence":0.82947874,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.28077757358551025},{"word":"no","start":1063.095,"end":1063.255,"confidence":0.7626656,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.20974349975585935},{"word":"nothing","start":1063.255,"end":1063.755,"confidence":0.5169881,"punctuated_word":"Nothing","sentiment":"neutral","sentiment_score":-0.07899035513401031},{"word":"else","start":1063.8151,"end":1064.3151,"confidence":0.9312712,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":0.033345386385917664},{"word":"no","start":1108.6649,"end":1108.9049,"confidence":0.9546318,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03221810609102249},{"word":"no","start":1108.9049,"end":1109.065,"confidence":0.99516225,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08174420893192291},{"word":"no","start":1109.065,"end":1109.3849,"confidence":0.9900985,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1224975362420082},{"word":"all","start":1109.3849,"end":1109.625,"confidence":0.62599677,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.053918153047561646},{"word":"good","start":1109.625,"end":1110.0249,"confidence":0.9981725,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2371945083141327},{"word":"all","start":1110.0249,"end":1110.345,"confidence":0.93047726,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5347484946250916},{"word":"good","start":1110.345,"end":1110.845,"confidence":0.9925935,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4681480526924134},{"word":"no","start":1135.895,"end":1136.135,"confidence":0.7387625,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.1178395301103592},{"word":"worries","start":1136.135,"end":1136.635,"confidence":0.97988296,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":-0.03949212655425072},{"word":"yeah","start":1141.5199,"end":1141.76,"confidence":0.7199285,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017871813848614693},{"word":"yeah","start":1141.76,"end":1141.9199,"confidence":0.97682816,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.037783537060022354},{"word":"yeah","start":1141.9199,"end":1142.1599,"confidence":0.97715807,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06725780665874481},{"word":"no","start":1142.1599,"end":1142.3999,"confidence":0.85135996,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.03060053661465645},{"word":"it's","start":1142.3999,"end":1142.5599,"confidence":0.88603365,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.17938527464866638},{"word":"all","start":1142.5599,"end":1142.7999,"confidence":0.88636667,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.3243417739868164},{"word":"good","start":1142.7999,"end":1143.2999,"confidence":0.99767774,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5773873329162598},{"word":"no","start":1152.325,"end":1152.485,"confidence":0.7455567,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14243046939373016},{"word":"no","start":1152.485,"end":1152.725,"confidence":0.9954119,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.16852636635303497},{"word":"no","start":1152.725,"end":1152.965,"confidence":0.99194646,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12542036175727844},{"word":"all","start":1152.965,"end":1153.125,"confidence":0.9902569,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.29879266023635864},{"word":"good","start":1153.125,"end":1153.365,"confidence":0.9966312,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.23026858270168304},{"word":"all","start":1153.365,"end":1153.525,"confidence":0.9979151,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4771505892276764},{"word":"good","start":1153.525,"end":1153.9249,"confidence":0.99990237,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4430983364582062},{"word":"i'll","start":1153.9249,"end":1154.085,"confidence":0.9987633,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2414996325969696},{"word":"just","start":1154.085,"end":1154.245,"confidence":0.99983144,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.25479912757873535},{"word":"have","start":1154.245,"end":1154.405,"confidence":0.99923,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2798512279987335},{"word":"a","start":1154.405,"end":1154.485,"confidence":0.99216884,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2548198699951172},{"word":"look","start":1154.485,"end":1154.645,"confidence":0.9998852,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1787903755903244},{"word":"at","start":1154.645,"end":1154.8049,"confidence":0.9994313,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2413820922374725},{"word":"it","start":1154.8049,"end":1154.885,"confidence":0.9981493,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.29023459553718567},{"word":"when","start":1154.885,"end":1155.125,"confidence":0.87751496,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1191837415099144},{"word":"i","start":1155.125,"end":1155.365,"confidence":0.9855092,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15775801241397858},{"word":"when","start":1155.365,"end":1155.605,"confidence":0.89774245,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.12439675629138948},{"word":"i","start":1155.605,"end":1155.765,"confidence":0.9987949,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1671527475118637},{"word":"got","start":1155.765,"end":1156.005,"confidence":0.8798674,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.12520404160022736},{"word":"time","start":1156.005,"end":1156.245,"confidence":0.910074,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.03768292814493179},{"word":"i'll","start":1156.245,"end":1156.405,"confidence":0.9751612,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2928512692451477},{"word":"read","start":1156.405,"end":1156.645,"confidence":0.98052305,"punctuated_word":"read","sentiment":"positive","sentiment_score":0.3591591715812683},{"word":"everything","start":1156.645,"end":1156.965,"confidence":0.99905854,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2830377221107483},{"word":"and","start":1156.965,"end":1157.465,"confidence":0.92726606,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1891821324825287},{"word":"sign","start":1157.605,"end":1157.9249,"confidence":0.98138785,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.283054918050766},{"word":"it","start":1157.9249,"end":1158.165,"confidence":0.8205235,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3269588351249695},{"word":"and","start":1158.165,"end":1158.245,"confidence":0.46330702,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19466906785964969},{"word":"everything","start":1158.245,"end":1158.745,"confidence":0.9987017,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.2192501723766327},{"word":"not","start":1164.325,"end":1164.565,"confidence":0.8723634,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.102629154920578},{"word":"a","start":1164.565,"end":1164.645,"confidence":0.99161327,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06109144538640976},{"word":"problem","start":1164.645,"end":1165.145,"confidence":0.99881494,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.06937418133020401},{"word":"no","start":1168.88,"end":1169.2001,"confidence":0.89976144,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.008454054594039917},{"word":"worries","start":1169.2001,"end":1169.7001,"confidence":0.9993032,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.018124263733625412},{"word":"thank","start":1170.4801,"end":1170.8,"confidence":0.5388756,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6148660182952881},{"word":"you","start":1170.8,"end":1171.3,"confidence":0.9989983,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5997929573059082},{"word":"no","start":1174.56,"end":1174.8,"confidence":0.95743567,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.07317015528678894},{"word":"worries","start":1174.8,"end":1175.12,"confidence":0.9989194,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.02862548828125},{"word":"thank","start":1175.12,"end":1175.36,"confidence":0.9883748,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.4707835912704468},{"word":"you","start":1175.36,"end":1175.6001,"confidence":0.9992629,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.47096309065818787},{"word":"bye","start":1175.6001,"end":1176.1001,"confidence":0.9932725,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.3006850481033325}],"paragraphs":{"transcript":"\nNot bad. Thanks. Yeah. How long is this gonna take? Roughly.\n\nYeah. Yeah. Yeah. Yep. 9 7.\n\n10/2072. 12 Bowbrook Avenue, Amy Plains. Not really. I'm just, like, doing couple of days here and there just, like, with my mates. Like, just give me a day here, a day there.\n\nOther than that, nothing really. Yep. No. I still got some. I still got most of it.\n\nYeah. Yeah. No. Not really. Not really.\n\nNo. Just looking after my mom. My mom is, like, having problems. She might have an operation soon. She's got, like, like, she does not remembering heaps of stuff, so I've been taking her to doctors now.\n\nI've got a specialist on Thursday. Been taking it to all these testing and stuff like that. Not really. Because I don't know. Like, because I've got money in the bank and that money that I've got, and I don't know if anyone like, if they'll give me anything.\n\nFuck. Yeah. Yeah. No worries. I'll have a look into it.\n\nYeah. No worries. That's correct. Yep. Yep.\n\nYep. So good. No. No. Not really.\n\nNot really. Other than that, like, I spoke I spoke I don't know if it was you or somebody. And I said, look. If I can contribute myself, and you said give it six months. And then, like I said, maybe I can pull $50 a week from my own money into it and just just put in.\n\nAnd you said you're gonna look into it and and, like, maybe give me something where I can just put into it, like, $50 a week or something just so I can still contribute a little bit if I, you know, if I can manage. You know what I mean? Yeah. Just, like, if you give me, like, where where I need to put in or what, and then, you know, whenever I've got, like, if, you know, every week or every second week, if I can, you know, if I can put just something in there and, you know, if it helps, it's not gonna do any harm. Yeah.\n\nYeah. That's right. Like I said. Yeah. No worries.\n\nYes. No. No. I'm fine. Thanks.\n\nI'm alright. Yeah. Yeah. Yeah. I'm not sure.\n\nI'm on the phone, so I haven't really looked at it. Yeah. Yeah. Yeah. And then I'll have a look at it when when I hang up.\n\nAnd when I got time, I'll have a look at it. Yeah. Yeah. It's come through. Yep.\n\nYep. Yes. Yep. Yep. Yes.\n\nYep. No. No. No. All good.\n\nNo. No. Not a problem. Yes. Yes.\n\nYes. No. No. No. No.\n\nNo. No. No. Nothing else. No.\n\nNo. No. All good. All good. No worries.\n\nYeah. Yeah. Yeah. No. It's all good.\n\nNo. No. No. All good. All good.\n\nI'll just have a look at it when I when I got time. I'll read everything and sign it and everything. Not a problem. No worries. Thank you.\n\nNo worries. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Not bad.","start":6.96,"end":7.3599997,"sentiment":"positive","sentiment_score":0.4342819005250931},{"text":"Thanks.","start":7.3599997,"end":7.8599997,"sentiment":"positive","sentiment_score":0.6558519005775452},{"text":"Yeah.","start":13.84,"end":14.16,"sentiment":"neutral","sentiment_score":0.023560356348752975},{"text":"How long is this gonna take?","start":14.16,"end":15.54,"sentiment":"neutral","sentiment_score":-0.035849301144480705},{"text":"Roughly.","start":15.745,"end":16.244999,"sentiment":"neutral","sentiment_score":-0.06377111375331879}],"sentiment":"neutral","sentiment_score":0.11537355794148012,"num_words":11,"start":6.96,"end":16.244999},{"sentences":[{"text":"Yeah.","start":27.665,"end":27.985,"sentiment":"neutral","sentiment_score":0.06826914846897125},{"text":"Yeah.","start":27.985,"end":28.305,"sentiment":"neutral","sentiment_score":0.09079448878765106},{"text":"Yeah.","start":28.305,"end":28.805,"sentiment":"neutral","sentiment_score":0.15952879190444946},{"text":"Yep.","start":38.39,"end":38.89,"sentiment":"neutral","sentiment_score":0.13926032185554504},{"text":"9 7.","start":43.295002,"end":44.115,"sentiment":"neutral","sentiment_score":0.0959183918312192}],"sentiment":"neutral","sentiment_score":0.10828158911317587,"num_words":6,"start":27.665,"end":44.115},{"sentences":[{"text":"10/2072.","start":44.495003,"end":46.515,"sentiment":"neutral","sentiment_score":0.023028675466775898},{"text":"12 Bowbrook Avenue, Amy Plains.","start":46.895,"end":48.835003,"sentiment":"neutral","sentiment_score":0.04429062157869339},{"text":"Not really.","start":59.25,"end":59.81,"sentiment":"neutral","sentiment_score":-0.15556872636079788},{"text":"I'm just, like, doing couple of days here and there just, like, with my mates.","start":59.81,"end":64.47,"sentiment":"neutral","sentiment_score":-0.16700908690690994},{"text":"Like, just give me a day here, a day there.","start":64.61,"end":66.69,"sentiment":"neutral","sentiment_score":-0.15576307624578475}],"sentiment":"neutral","sentiment_score":-0.1251340222855409,"num_words":33,"start":44.495003,"end":66.69},{"sentences":[{"text":"Other than that, nothing really.","start":66.69,"end":68.15,"sentiment":"neutral","sentiment_score":-0.14646666049957274},{"text":"Yep.","start":75.465,"end":75.965,"sentiment":"neutral","sentiment_score":-0.02989315614104271},{"text":"No.","start":79.545,"end":79.704994,"sentiment":"neutral","sentiment_score":-0.11577486246824265},{"text":"I still got some.","start":79.704994,"end":80.585,"sentiment":"neutral","sentiment_score":-0.09305357560515404},{"text":"I still got most of it.","start":80.585,"end":81.9,"sentiment":"neutral","sentiment_score":-0.042499207270642124}],"sentiment":"neutral","sentiment_score":-0.08854181571480106,"num_words":17,"start":66.69,"end":81.9},{"sentences":[{"text":"Yeah.","start":86.06,"end":86.380005,"sentiment":"neutral","sentiment_score":0.018752310425043103},{"text":"Yeah.","start":86.380005,"end":86.880005,"sentiment":"neutral","sentiment_score":0.038753073662519455},{"text":"No.","start":91.26,"end":91.66,"sentiment":"neutral","sentiment_score":-0.06822673976421356},{"text":"Not really.","start":91.66,"end":92.4,"sentiment":"neutral","sentiment_score":-0.07711813598871231},{"text":"Not really.","start":92.700005,"end":93.44,"sentiment":"neutral","sentiment_score":-0.08607197552919388}],"sentiment":"neutral","sentiment_score":-0.04815736838749477,"num_words":7,"start":86.06,"end":93.44},{"sentences":[{"text":"No.","start":94.315,"end":94.395,"sentiment":"neutral","sentiment_score":-0.07250989973545074},{"text":"Just looking after my mom.","start":94.395,"end":95.595,"sentiment":"neutral","sentiment_score":-0.13059889376163483},{"text":"My mom is, like, having problems.","start":95.595,"end":98.015,"sentiment":"neutral","sentiment_score":-0.23605486253897348},{"text":"She might have an operation soon.","start":98.475,"end":99.994995,"sentiment":"neutral","sentiment_score":-0.19122169663508734},{"text":"She's got, like, like, she does not remembering heaps of stuff, so I've been taking her to doctors now.","start":99.994995,"end":105.275,"sentiment":"neutral","sentiment_score":-0.16694461828783938}],"sentiment":"neutral","sentiment_score":-0.17462463435289022,"num_words":37,"start":94.315,"end":105.275},{"sentences":[{"text":"I've got a specialist on Thursday.","start":105.275,"end":106.735,"sentiment":"neutral","sentiment_score":-0.06768459205826123},{"text":"Been taking it to all these testing and stuff like that.","start":107.07,"end":110.770004,"sentiment":"neutral","sentiment_score":-0.06922154501080513},{"text":"Not really.","start":117.15,"end":117.71,"sentiment":"negative","sentiment_score":-0.3715595453977585},{"text":"Because I don't know.","start":117.71,"end":118.67,"sentiment":"negative","sentiment_score":-0.3600088953971863},{"text":"Like, because I've got money in the bank and that money that I've got, and I don't know if anyone like, if they'll give me anything.","start":118.67,"end":125.445,"sentiment":"negative","sentiment_score":-0.38283772651965803}],"sentiment":"neutral","sentiment_score":-0.2715200022319142,"num_words":49,"start":105.275,"end":125.445},{"sentences":[{"text":"Fuck.","start":125.445,"end":125.945,"sentiment":"negative","sentiment_score":-0.6007612943649292},{"text":"Yeah.","start":134.885,"end":135.33,"sentiment":"neutral","sentiment_score":-0.08364448696374893},{"text":"Yeah.","start":149.915,"end":150.155,"sentiment":"neutral","sentiment_score":0.07387788593769073},{"text":"No worries.","start":150.155,"end":150.715,"sentiment":"neutral","sentiment_score":0.1487618163228035},{"text":"I'll have a look into it.","start":150.715,"end":152.015,"sentiment":"neutral","sentiment_score":0.1842903271317482}],"sentiment":"neutral","sentiment_score":0.07206706364046443,"num_words":11,"start":125.445,"end":152.015},{"sentences":[{"text":"Yeah.","start":156.475,"end":156.975,"sentiment":"neutral","sentiment_score":0.041156426072120667},{"text":"No worries.","start":177.26,"end":178.0,"sentiment":"neutral","sentiment_score":0.11804185435175896},{"text":"That's correct.","start":188.72499,"end":189.545,"sentiment":"neutral","sentiment_score":0.06708064675331116},{"text":"Yep.","start":189.765,"end":190.26,"sentiment":"neutral","sentiment_score":0.2453741878271103},{"text":"Yep.","start":220.45,"end":220.95,"sentiment":"neutral","sentiment_score":0.07496052235364914}],"sentiment":"neutral","sentiment_score":0.10453373406614576,"num_words":7,"start":156.475,"end":220.95},{"sentences":[{"text":"Yep.","start":232.04999,"end":232.54999,"sentiment":"neutral","sentiment_score":0.09050168097019196},{"text":"So good.","start":256.52002,"end":257.26,"sentiment":"positive","sentiment_score":0.5306641161441803},{"text":"No.","start":283.33,"end":283.56998,"sentiment":"neutral","sentiment_score":-0.13826946914196014},{"text":"No.","start":283.56998,"end":283.81,"sentiment":"neutral","sentiment_score":-0.1459183543920517},{"text":"Not really.","start":283.81,"end":284.44998,"sentiment":"neutral","sentiment_score":-0.15899130702018738}],"sentiment":"neutral","sentiment_score":0.07852278224059514,"num_words":7,"start":232.04999,"end":284.44998},{"sentences":[{"text":"Not really.","start":284.44998,"end":285.16998,"sentiment":"neutral","sentiment_score":-0.20852729678153992},{"text":"Other than that, like, I spoke I spoke I don't know if it was you or somebody.","start":285.16998,"end":288.84998,"sentiment":"neutral","sentiment_score":-0.1080607471658903},{"text":"And I said, look.","start":288.84998,"end":289.785,"sentiment":"neutral","sentiment_score":-0.012658631429076195},{"text":"If I can contribute myself, and you said give it six months.","start":290.98502,"end":294.42502,"sentiment":"neutral","sentiment_score":0.0318267522379756},{"text":"And then, like I said, maybe I can pull $50 a week from my own money into it and just just put in.","start":294.42502,"end":300.825,"sentiment":"neutral","sentiment_score":0.058841493466626045}],"sentiment":"neutral","sentiment_score":-0.00981804214674851,"num_words":58,"start":284.44998,"end":300.825},{"sentences":[{"text":"And you said you're gonna look into it and and, like, maybe give me something where I can just put into it, like, $50 a week or something just so I can still contribute a little bit if I, you know, if I can manage.","start":300.825,"end":312.74002,"sentiment":"neutral","sentiment_score":0.12365025935901536},{"text":"You know what I mean?","start":312.74002,"end":313.88,"sentiment":"neutral","sentiment_score":0.005585150048136711},{"text":"Yeah.","start":324.155,"end":324.395,"sentiment":"neutral","sentiment_score":0.165703147649765},{"text":"Just, like, if you give me, like, where where I need to put in or what, and then, you know, whenever I've got, like, if, you know, every week or every second week, if I can, you know, if I can put just something in there and, you know, if it helps, it's not gonna do any harm.","start":324.395,"end":338.75,"sentiment":"neutral","sentiment_score":0.18408474917041845},{"text":"Yeah.","start":345.85,"end":346.17,"sentiment":"neutral","sentiment_score":0.14007055759429932}],"sentiment":"neutral","sentiment_score":0.15068069616840643,"num_words":110,"start":300.825,"end":346.17},{"sentences":[{"text":"Yeah.","start":346.17,"end":346.33,"sentiment":"neutral","sentiment_score":0.19196717441082},{"text":"That's right.","start":346.33,"end":346.97,"sentiment":"neutral","sentiment_score":0.24123746156692505},{"text":"Like I said.","start":346.97,"end":347.79,"sentiment":"neutral","sentiment_score":0.09766559799512227},{"text":"Yeah.","start":402.935,"end":403.435,"sentiment":"neutral","sentiment_score":0.07779184728860855},{"text":"No worries.","start":405.495,"end":406.235,"sentiment":"neutral","sentiment_score":0.10078349709510803}],"sentiment":"neutral","sentiment_score":0.13853308144542906,"num_words":9,"start":346.17,"end":406.235},{"sentences":[{"text":"Yes.","start":431.555,"end":432.055,"sentiment":"positive","sentiment_score":0.3751269578933716},{"text":"No.","start":445.39502,"end":445.635,"sentiment":"neutral","sentiment_score":-0.08946847170591354},{"text":"No.","start":445.635,"end":445.795,"sentiment":"neutral","sentiment_score":-0.077794149518013},{"text":"I'm fine.","start":445.795,"end":446.195,"sentiment":"positive","sentiment_score":0.4765397906303406},{"text":"Thanks.","start":446.195,"end":446.67502,"sentiment":"positive","sentiment_score":0.6662077903747559}],"sentiment":"neutral","sentiment_score":0.30452528471748036,"num_words":6,"start":431.555,"end":446.67502},{"sentences":[{"text":"I'm alright.","start":446.67502,"end":447.415,"sentiment":"positive","sentiment_score":0.35630783438682556},{"text":"Yeah.","start":457.13,"end":457.45,"sentiment":"neutral","sentiment_score":0.042207956314086914},{"text":"Yeah.","start":457.45,"end":457.77002,"sentiment":"neutral","sentiment_score":0.03551789000630379},{"text":"Yeah.","start":457.77002,"end":458.27002,"sentiment":"neutral","sentiment_score":0.03408493846654892},{"text":"I'm not sure.","start":484.41998,"end":485.13998,"sentiment":"neutral","sentiment_score":-0.07391289621591568}],"sentiment":"neutral","sentiment_score":0.07533597061410546,"num_words":8,"start":446.67502,"end":485.13998},{"sentences":[{"text":"I'm on the phone, so I haven't really looked at it.","start":485.13998,"end":487.47998,"sentiment":"neutral","sentiment_score":-0.059052500535141335},{"text":"Yeah.","start":491.055,"end":491.375,"sentiment":"neutral","sentiment_score":0.10675283521413804},{"text":"Yeah.","start":491.375,"end":491.535,"sentiment":"neutral","sentiment_score":0.06859105825424194},{"text":"Yeah.","start":491.535,"end":491.775,"sentiment":"neutral","sentiment_score":0.04520445317029953},{"text":"And then I'll have a look at it when when I hang up.","start":491.775,"end":493.695,"sentiment":"neutral","sentiment_score":0.08280046226886603}],"sentiment":"neutral","sentiment_score":0.02397692037953271,"num_words":27,"start":485.13998,"end":493.695},{"sentences":[{"text":"And when I got time, I'll have a look at it.","start":493.695,"end":495.875,"sentiment":"neutral","sentiment_score":0.08247136798771945},{"text":"Yeah.","start":500.415,"end":500.915,"sentiment":"neutral","sentiment_score":0.03316343575716019},{"text":"Yeah.","start":530.33,"end":530.65,"sentiment":"neutral","sentiment_score":0.10363457351922988},{"text":"It's come through.","start":530.65,"end":531.63,"sentiment":"neutral","sentiment_score":0.13505599896113077},{"text":"Yep.","start":561.36,"end":561.86,"sentiment":"neutral","sentiment_score":0.05092431977391243}],"sentiment":"neutral","sentiment_score":0.0882397278705064,"num_words":17,"start":493.695,"end":561.86},{"sentences":[{"text":"Yep.","start":565.76,"end":566.26,"sentiment":"positive","sentiment_score":0.5511128902435303},{"text":"Yes.","start":576.10504,"end":576.60504,"sentiment":"positive","sentiment_score":0.5490012168884277},{"text":"Yep.","start":650.44495,"end":650.94495,"sentiment":"neutral","sentiment_score":0.12210525572299956},{"text":"Yep.","start":792.975,"end":793.475,"sentiment":"neutral","sentiment_score":0.30575382709503174},{"text":"Yes.","start":909.765,"end":910.085,"sentiment":"neutral","sentiment_score":0.20734232664108276}],"sentiment":"positive","sentiment_score":0.34706310331821444,"num_words":5,"start":565.76,"end":910.085},{"sentences":[{"text":"Yep.","start":910.085,"end":910.585,"sentiment":"neutral","sentiment_score":0.2894396185874939},{"text":"No.","start":914.72504,"end":914.965,"sentiment":"neutral","sentiment_score":-0.11042778193950652},{"text":"No.","start":914.965,"end":915.205,"sentiment":"neutral","sentiment_score":-0.10102596879005432},{"text":"No.","start":915.205,"end":915.445,"sentiment":"neutral","sentiment_score":-0.11947688460350037},{"text":"All good.","start":915.445,"end":916.105,"sentiment":"neutral","sentiment_score":0.016191530972719193}],"sentiment":"neutral","sentiment_score":-0.0015179924666881561,"num_words":6,"start":910.085,"end":916.105},{"sentences":[{"text":"No.","start":938.475,"end":938.63495,"sentiment":"neutral","sentiment_score":-0.14790737628936768},{"text":"No.","start":938.63495,"end":939.13495,"sentiment":"neutral","sentiment_score":-0.074198417365551},{"text":"Not a problem.","start":964.875,"end":965.77496,"sentiment":"positive","sentiment_score":0.3382975260416667},{"text":"Yes.","start":1016.99,"end":1017.31,"sentiment":"neutral","sentiment_score":-0.01316414400935173},{"text":"Yes.","start":1017.31,"end":1017.81,"sentiment":"neutral","sentiment_score":-0.0961478278040886}],"sentiment":"neutral","sentiment_score":0.09763925895094872,"num_words":7,"start":938.475,"end":1017.81},{"sentences":[{"text":"Yes.","start":1034.495,"end":1034.995,"sentiment":"neutral","sentiment_score":0.1466865837574005},{"text":"No.","start":1043.3301,"end":1043.49,"sentiment":"neutral","sentiment_score":-0.19307219982147217},{"text":"No.","start":1043.49,"end":1043.99,"sentiment":"neutral","sentiment_score":-0.1380089521408081},{"text":"No.","start":1061.8151,"end":1062.135,"sentiment":"neutral","sentiment_score":-0.19491305947303772},{"text":"No.","start":1062.135,"end":1062.375,"sentiment":"neutral","sentiment_score":-0.32536646723747253}],"sentiment":"neutral","sentiment_score":-0.140934818983078,"num_words":5,"start":1034.495,"end":1062.375},{"sentences":[{"text":"No.","start":1062.375,"end":1062.875,"sentiment":"negative","sentiment_score":-0.38439881801605225},{"text":"No.","start":1063.015,"end":1063.095,"sentiment":"neutral","sentiment_score":-0.28077757358551025},{"text":"No.","start":1063.095,"end":1063.255,"sentiment":"neutral","sentiment_score":-0.20974349975585935},{"text":"Nothing else.","start":1063.255,"end":1064.3151,"sentiment":"neutral","sentiment_score":-0.022822484374046326},{"text":"No.","start":1108.6649,"end":1108.9049,"sentiment":"neutral","sentiment_score":-0.03221810609102249}],"sentiment":"neutral","sentiment_score":-0.15879716103275618,"num_words":6,"start":1062.375,"end":1108.9049},{"sentences":[{"text":"No.","start":1108.9049,"end":1109.065,"sentiment":"neutral","sentiment_score":-0.08174420893192291},{"text":"No.","start":1109.065,"end":1109.3849,"sentiment":"neutral","sentiment_score":-0.1224975362420082},{"text":"All good.","start":1109.3849,"end":1110.0249,"sentiment":"neutral","sentiment_score":0.14555633068084717},{"text":"All good.","start":1110.0249,"end":1110.845,"sentiment":"positive","sentiment_score":0.5014482736587524},{"text":"No worries.","start":1135.895,"end":1136.635,"sentiment":"neutral","sentiment_score":-0.07866582833230495}],"sentiment":"neutral","sentiment_score":0.11655447585508227,"num_words":8,"start":1108.9049,"end":1136.635},{"sentences":[{"text":"Yeah.","start":1141.5199,"end":1141.76,"sentiment":"neutral","sentiment_score":0.017871813848614693},{"text":"Yeah.","start":1141.76,"end":1141.9199,"sentiment":"neutral","sentiment_score":0.037783537060022354},{"text":"Yeah.","start":1141.9199,"end":1142.1599,"sentiment":"neutral","sentiment_score":0.06725780665874481},{"text":"No.","start":1142.1599,"end":1142.3999,"sentiment":"neutral","sentiment_score":0.03060053661465645},{"text":"It's all good.","start":1142.3999,"end":1143.2999,"sentiment":"positive","sentiment_score":0.3603714605172475}],"sentiment":"neutral","sentiment_score":0.17637543939054012,"num_words":7,"start":1141.5199,"end":1143.2999},{"sentences":[{"text":"No.","start":1152.325,"end":1152.485,"sentiment":"neutral","sentiment_score":-0.14243046939373016},{"text":"No.","start":1152.485,"end":1152.725,"sentiment":"neutral","sentiment_score":-0.16852636635303497},{"text":"No.","start":1152.725,"end":1152.965,"sentiment":"neutral","sentiment_score":-0.12542036175727844},{"text":"All good.","start":1152.965,"end":1153.365,"sentiment":"neutral","sentiment_score":0.26453062146902084},{"text":"All good.","start":1153.365,"end":1153.9249,"sentiment":"positive","sentiment_score":0.4601244628429413}],"sentiment":"neutral","sentiment_score":0.14470471015998296,"num_words":7,"start":1152.325,"end":1153.9249},{"sentences":[{"text":"I'll just have a look at it when I when I got time.","start":1153.9249,"end":1156.245,"sentiment":"neutral","sentiment_score":0.19021193453898796},{"text":"I'll read everything and sign it and everything.","start":1156.245,"end":1158.745,"sentiment":"neutral","sentiment_score":0.26852041110396385},{"text":"Not a problem.","start":1164.325,"end":1165.145,"sentiment":"neutral","sentiment_score":0.07769826054573059},{"text":"No worries.","start":1168.88,"end":1169.7001,"sentiment":"neutral","sentiment_score":0.013289159163832664},{"text":"Thank you.","start":1170.4801,"end":1171.3,"sentiment":"positive","sentiment_score":0.6073294878005981}],"sentiment":"neutral","sentiment_score":0.21768751833587885,"num_words":28,"start":1153.9249,"end":1171.3},{"sentences":[{"text":"No worries.","start":1174.56,"end":1175.12,"sentiment":"neutral","sentiment_score":0.05089782178401947},{"text":"Thank you.","start":1175.12,"end":1175.6001,"sentiment":"positive","sentiment_score":0.4708733409643173},{"text":"Bye.","start":1175.6001,"end":1176.1001,"sentiment":"neutral","sentiment_score":0.3006850481033325}],"sentiment":"neutral","sentiment_score":0.2688454747200012,"num_words":5,"start":1174.56,"end":1176.1001}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Nate. It's Carl calling from HP Financial. How are you today?\n\nChannel 1: Not bad. Thanks.\n\nChannel 0: That's good to hear. I've got you scheduled in for your straight statement of last presentation. Is now still a good time for you?\n\nChannel 1: Yeah. How long is this gonna take? Roughly.\n\nChannel 0: If you're a little bit busy, I know you're sort of caring for your your mother at the the moment there, we can sort of make it pretty quick. And if you can have a read through it in your spare time, if you have any questions, you can come back.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Perfect. Just to jump into that today, Nave, if I can just pass through security with your name, date of birth, and current address, we can get stuck into that today.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So just full name, date of birth, and card notice will\n\nChannel 1: 9\n\nChannel 0: get going.\n\nChannel 1: 7. 10/2072. 12 Bowbrook Avenue, Amy Plains.\n\nChannel 0: Perfect. And just given the time that has elapsed since we last sort of spoke to Naif, have anything in regards to your employment or anything changed at the moment?\n\nChannel 1: Not really. I'm just, like, doing couple of days here and there just, like, with my mates. Like, just give me a day here, a day there. Other than that, nothing really.\n\nChannel 0: Yep. And then I know you did have that payout when you were made redundant there. Has that\n\nChannel 1: Yep.\n\nChannel 0: sort of mentioned all of you spent money much of that, or is that still sitting there?\n\nChannel 1: No. I still got some. I still got most of it.\n\nChannel 0: Yep. And just the the car that's here in the other asset at the moment?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Perfect. Anything else that sort of changed in the the last few months\n\nChannel 1: No.\n\nChannel 0: since we last\n\nChannel 1: Not\n\nChannel 0: spoke?\n\nChannel 1: really. Not really.\n\nChannel 0: Not a\n\nChannel 1: No. Just\n\nChannel 0: problem.\n\nChannel 1: looking after my mom. My mom is, like, having problems. She might have an operation soon. She's got, like, like, she does not remembering heaps of stuff, so I've been taking her to doctors now. I've got a specialist on Thursday.\n\nBeen taking it to all these testing and stuff like that.\n\nChannel 0: Yep. And have you looked into sort of, like, care support payments and things like that?\n\nChannel 1: Not really. Because I don't know. Like, because I've got money in the bank and that money that I've got, and I don't know if anyone like, if they'll give me anything. Fuck.\n\nChannel 0: Yeah. Well, in regards to that, I'm not a 100% sure on what, like, your eligibility would be given the the cash in the bank that you do have.\n\nChannel 1: Yeah.\n\nChannel 0: But given that, like, it's not your, like, Centrelink entitlements in regards to, like, JobKeeper and things like that, you may be out of sort of contact Centrelink and have a conversation and see. But just for caring for your mother, if you're eligible for some form of carers allowance and things like that.\n\nChannel 1: Yeah. No worries. I'll have a look into it.\n\nChannel 0: Just if you're sort of still here and there between work and things like that. You\n\nChannel 1: Yeah.\n\nChannel 0: know? It does come with its own set of things in regards, like, estate planning, things like that being care for your parents can impact that. I know within regards to this advice as well, we are recommending going to see a low set up of wheels. So if you do have any questions regarding, like, how carers payments can impact, like, wills and estates and things like that as well, you can have a conversation with them as well.\n\nChannel 1: No worries.\n\nChannel 0: But in regards to this document here, I'll just be sending this to your email address there, nave underscore I'm gonna put you your last name, but then@hotmail.com. Is that still your\n\nChannel 1: That's\n\nChannel 0: correct email?\n\nChannel 1: correct. Yep.\n\nChannel 0: Perfect. So this will be there shortly. As I said, you'll be able to sort of review the statement advice, the appendix there. You'll also the Ophi service guide and then the OP financial services guide as well as the PDFs for your current insurance there as well. As far as the advice goes, it is quite straightforward in terms of oh, I think it just didn't send, so I'm just gonna have to resend that.\n\nBut as far as the\n\nChannel 1: Yep.\n\nChannel 0: device itself, it is just an investment update in regards to, like, the obviously, the assets there and then also the contributions because you aren't working and aren't earning much of an income at the moment.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So bear with me. I'll just go to redo this document there because it's Sorry. Technology never works when you want it to. So\n\nChannel 1: So good.\n\nChannel 0: But just while I'm just finishing up that then, Naeve, do you have any questions or concerns at the moment that we sort of haven't discussed or haven't mentioned before jumping in that today?\n\nChannel 1: No. No. Not really. Not really. Other than that, like, I spoke I spoke I don't know if it was you or somebody.\n\nAnd I said, look. If I can contribute myself, and you said give it six months. And then, like I said, maybe I can pull $50 a week from my own money into it and\n\nChannel 0: Yep.\n\nChannel 1: just just put in. And you said you're gonna look into it and and, like, maybe give me something where I can just put into it, like, $50 a week or something just so I can still contribute a little bit if I, you know, if I can manage. You know what I mean?\n\nChannel 0: Yeah. I did include that in this document here as well. So now that I've got that read done there as well,\n\nChannel 1: Yeah. Just, like, if you give me, like, where where I need to put in or what, and then, you know, whenever I've got, like, if, you know, every week or every second week, if I can, you know, if I can put just something in there and, you know, if it helps, it's not gonna do any harm.\n\nChannel 0: Exactly. And I did include that in the the document. I didn't include the amount you could do given that you are\n\nChannel 1: Yeah.\n\nChannel 0: really\n\nChannel 1: Yeah. That's right. Like I said.\n\nChannel 0: earning income and then what you get for that as well. So you should have that shortly there. While that's coming through there, Neve, in regards to just the best interest of you, obviously, we can't put you in a better position. We're not gonna sort of make the recommendation. I know, yeah, currently, you're not sort of working at the the the moment, but you are sort of doing a bit of work here and there.\n\nYou're able to get by on you. So it's just redundancy payment as well as caring for your your mother. So you're on a bit of an in between stage. So at the moment, we just looked at reviewing the superannuation, make sure that your investments were adequate for your current situation. And then just at estate planning, make a recommendation for that, just making sure you have the adequate means in place as well.\n\nAnd I know sort of with caring for your mother and things like that as well, it might be worth sort of her, you know, visiting and getting things sorted just in the event that anything did occur suddenly that, you know, it is a lot easier on your yourself and any sort of other family members like your brother to be able to settle\n\nChannel 1: Yeah.\n\nChannel 0: estates and things like that as well.\n\nChannel 1: No worries.\n\nChannel 0: We did also include that the contributions and what was sort of recommended in regards to that given that you aren't currently working there at the moment. Now what we looked at but didn't consider there is insurances. You currently don't have any. You didn't wanna look at any. So within regards to that, just due to the the ADL definition that would have arisen there, you wanna remain sort of uninsured at the moment, so you might wanna revisit it in the future.\n\nBut at the moment, you're happy sort of working towards\n\nChannel 1: Yes.\n\nChannel 0: being a bit more self insured. As far as the budgeting on the money you do have, you're happy managing that yourself. We can send you the OQ budget planner if you did wanna, you know, have that just for your own per purposes for, you know, budgeting for bills and expenses and things like that as well.\n\nChannel 1: No. No. I'm fine. Thanks. I'm alright.\n\nChannel 0: No problem. And then as far as employment, you know, you're happy, sort of amazing that yourself would doing work with your mates given that you are caring for your mother. It's a bit hard to go back to full time work. That's understandable.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: As far as the recommendation to you, we are recommending just staying with Netwealth, change those underlying investments. As far as the lump sum contribution to Netwealth, it's sort of be done by the end of the the financial year. In regards to the strategy for that one, I'll run through it in a second. And then the beneficiaries, setting up beneficiaries, making sure your world's up to date and getting that sorted, and then having a power of attorney in place there as well. Now has that email come through, Niamh, in regards\n\nChannel 1: I'm not sure.\n\nChannel 0: to that?\n\nChannel 1: I'm on the phone, so I haven't really looked at it.\n\nChannel 0: No problem. Are you happy for me to just run through the recommendation and you review the\n\nChannel 1: Yeah.\n\nChannel 0: documents\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: later?\n\nChannel 1: And then I'll have a look at it when when I hang up. And when I got time, I'll have a look at it.\n\nChannel 0: No problem. Can you at least see that the emails popped up in regards to it to come through just to make sure you\n\nChannel 1: Yeah.\n\nChannel 0: have received it?\n\nChannel 1: Yeah. It's come through.\n\nChannel 0: Perfect. So you will have that statement advice. You can review on the attachments. And if you were happy with everything, you can click the link to sign. So I'll make this sort of quickly because that's the sort of main things, Heather, apart from the advice.\n\nSo on page eight, you'll have your assets or, like, your current situation there. On the next page, I'll be over assets liabilities. In regards to your risk profile, you did score growth, but we're keeping you in line with the high growth. Even though that you aren't working currently, you still wanna aim for those, you know, longer, higher returns over the the long\n\nChannel 1: Yep.\n\nChannel 0: term period, given your time to retirement. So you're happy maintaining that level of risk,\n\nChannel 1: Yep.\n\nChannel 0: and then sort of being in that high growth portfolio to make sure that you have the opportunity to to get those higher returns over the longer period of time, if that still makes sense.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. As far as the recommendation, it being in your best interest there, we are looking at the investment update for yourself. So within regards to that one, the Bennelong Fund wasn't performing for that one. So we're looking at removing that, updating that portfolio there to make sure that it's in your best interest moving forward, removing the underperforming asset, not having the active management moving forward. So with that one there, you won't have the ability to to try and outperform the market, but you will follow the indexes, still have the same allocation to growth assets, and with that, it'll come with less volatility.\n\nAnd then also with that being, you do have a bit of a lower risk tolerance. It does reduce a a level of risk there as well. Even though you still have the potential for those higher returns, it is sort of dictated by those market indices and not sort of a performance manager, which does reduce your costs there as well. Now with that, you know, you do have a lower ongoing cost, which helps sort of go to compounding and having money invested there as well, which also helps why you're not working, contributing. It doesn't mean we can't review it in the future.\n\nBut overall, your lower investment costs, you'll have it in line with your risk profile. You'll still have access to all of both of your services there as well, and you'll be in in a portfolio that is in line with your your current risk tolerance.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now the risk of that one is obviously during the changes and things like that as well. You do have the market risk of if things were changed while you sold down to cash that you may sort of forego potential gains. Also, the buy sell cost with switching investments there as well. Obviously, been along being that it did go down will offset some of that.\n\nBut in saying that in the future, like, it does change daily, so it can't be fully calculated. But in saying that, we did look at, you know, removing you from your your fund, putting into a different fund there as well. That might be a lower cost and have some other advantages. But it did show that, you know, if if you sold down everything, your capital gains would be up around nearly the know, just under the 6,000 mark. So we didn't wanna do a full sell down to make you sort of pay that upfront lump sum cost.\n\nSo within regards to the investments there, you will be out of Benelung. You still have exposure in Australia. Within regards to your new sort of exposures there as well, you'll be in Vanguard or World, so a bit outside The US as well just with how everything is going as well, having a bit of exposure outside of that. And then you'll also have some bonds just to replace the the bank hybrids you previously had just because they are phasing those out. So not a huge change with that.\n\nIt is a defensive asset. The rest of your portfolio will just sort of be adjusted in line with that rebalancing and then just removing all that key asset there. It's important to note that you will have a minimum cash balance that Netwealth does hold, which is 1.25% of your current balance there as well. So overall, it will reduce your exposure slightly. You'll be around 95% growth assets, around 5% defensive.\n\nNow it's important to note that your alternative growth assets does contain gold around 7%, and that can be considered a bit of a defensive asset as well depending on how the markets are doing. Obviously, in the past few years, it's grown so much that it's been considered a bit more of growth asset currently compared to what it previously has been, and that's how Oakview's decided to allocate it. In terms of the cost savings around the difference, when you include everything, including, like, you know, contributions, investment fees, adviser fees as well, It'll be around $770 in terms of fees you will be saving. That will go towards, you know, investment growth there as well. Fees are obviously projected to be based on, like, your performance there for twelve months as well, and it's just 1.65 of the balance.\n\nBut, obviously, if, you know, things keep going with the wall and I run thing, it might not be as high as what projected either with what is happening, if that all makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. You'll be able to see those tables there on page seventeen and eighteen once you get a sense of go through that. It does show you some projections moving forward and what that might look like projected out based on the previous performance, but it's important to note that past performance isn't indicative of future performance there. As far as the contribution goes there, Niamh, recommend that you do a lump sum contribution of a thousand dollars. Now you can break that up into, like, you know, $50 a week over the next sort of few months until the end of the financial year.\n\nBut if you were to contribute the thousand dollars there as a non concessional contribution there, you do get $500 for the government. So that means given that you aren't working as much and you're not sort of earning over that 40,000 a year currently, it just means that the government will co contribute under up to $500 because of the the thousand you have put in there. They'll match 50% of that, which means you get a little bit of free money there as well. Now given if you were to sort of start working and contributing more again or, you know, earning an income and sort of exceed those limitations with the co contribution scheme, it may mean you're not entitled to that $500. If you obviously things do do change and you are working again and if you're earning over that sort of cap, it will reduce it and then sort of base on that until up until the point that you don't get any benefit from it.\n\nNow if you do wanna contribute more than that, you obviously can as well. This is through the non concessional arrangement. You would be contributing to the nontaxable portion of your superannuation. If you got any income coming in, you can sort of look to claim that as a concessional and convert that to get the tax rebate then as well if you do start full time employment as well, and you don't think you're gonna get any of the the funds for that. But in the meantime, it'll help boost your super.\n\nWe can give you your account details for that, and you'll be able to contribute as you sort of wish over that time frame. But it's important to note, like, when the the financial year is up and to hit that that thousand dollars, if that makes sense.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect. Do you have any questions in regards to that at all?\n\nChannel 1: No. No. No. All good.\n\nChannel 0: Yep. Perfect. So, yeah, once you get to, you know, the June 30 there or, like, you know, first slide, June 30, that's, like, where you cut off for that to make those contributions. And just confirming to then through your previous employment before you were made redundant, you sort of in the financial year, you wouldn't be over that that limit there?\n\nChannel 1: No. No.\n\nChannel 0: Yep. Okay. Perfect. Yeah. So from that, you should be eligible for that that $500 co contribution if you do make that thousand dollars.\n\nIf you do contribute a bit less, it'll be less. And then if you always start earning an income, they'll proportionate down until you're sort of not eligible for any payment there as well. But it's not a bad thing. You still get money going into your super. You just might not get that co contribution, which is what you wanna do anyway, but a bit of free money never hurt to grow on your super as well.\n\nChannel 1: Not a problem.\n\nChannel 0: Perfect. Now with that as well, there are obviously risks that, you know, once you put in the superannuation, you can't get it back given that you aren't working. It's something to be mindful of, but given you do quite amount of savings as well, it does obviously help contribute to the balance. As far as the beneficiary nominations, we're recommending that you nominate a legal person representative once you get a will enforce with that one because you want to leave things to, you know, like brothers, you know, mother, if sort of worst case things like that as well, it sorta helps that they don't make a valid nomination with c CSAC for superannuation at the moment. So once your will is in place, you can leave your estate to the will, and it can be distributed per your wishes that way.\n\nIt's important to sort of note that when it goes to the will, it's taxed differently. You don't pay the Medicare levy, but then also it does open your superannuation up to claims should, you know, family start fighting over the money and who gets what. And it can\n\nChannel 1: Yes.\n\nChannel 0: sort\n\nChannel 1: Yes.\n\nChannel 0: of get eaten away at legal fees, that is sort of a risk of that. But given you don't have anyone that sort of makes a valid nomination currently apart from what your mother being dependent on you caring for at the moment, you know, if something were to happen to your your mother, you'd have to change it anyway. So if you write it all at all, it's all built to cover for those contingencies. It just means\n\nChannel 1: Yes.\n\nChannel 0: that, you know, everything distributed per your wishes over a longer period of time. So do you have any questions in regards to that at all?\n\nChannel 1: No. No.\n\nChannel 0: Certainly. Obviously, we recommend you establish a will and a power of attorney in conjunction with that as well. I won't dwell on those sections too much. Feel free to read through that. We obviously can't provide a will service in drawing up a will.\n\nWe can have a conversation on how you might wanna structure a little bit. But given that, you know, you've got the the car and the savings, you know, have a huge amount of other, you know, property\n\nChannel 1: No.\n\nChannel 0: thing\n\nChannel 1: No.\n\nChannel 0: like\n\nChannel 1: No.\n\nChannel 0: that, and that might make\n\nChannel 1: No. No.\n\nChannel 0: it\n\nChannel 1: Nothing\n\nChannel 0: difficult.\n\nChannel 1: else.\n\nChannel 0: Yeah. So it should make it quite a simple process in regards to setting up that will. We can refer you to a local solicitor and their pricing if you ever wanted it. But, also, if you find someone local that you're happy with, that's more than fine as well. As far as the remuneration fee, it is 1.65%, which is that $3,529 per year's worth of premiums with growth based on that percentage fee.\n\nAs I said, that can fluctuate with the market, so it goes up and down with the with that on a monthly basis. But that's just the estimated fee based on the recommendation that was made. From there, obviously, you know, you do still have your annual review that we'll we'll touch on those as well, any concerns you may have. But that is a really brief run through of the advice there. Now if you have any questions regarding that, the investment\n\nChannel 1: No.\n\nChannel 0: recommendation\n\nChannel 1: No. No. All\n\nChannel 0: or\n\nChannel 1: good. All good.\n\nChannel 0: not a problem. Once you were to sign that document, they can start the implementation of that. I can make a note of here to to send you your contribution details. So just so you have that for when you run it start doing that. If that's something you wanted to do, even if you don't proceed with the advice, if you started one of putting some money into super, that's more than fine.\n\nWhen you get to the end of the financial year, feel free to give us a call if you do start doing that, but don't take on the advice just so we can look at options if you wanna claim notice of intent, things like that. But given you aren't\n\nChannel 1: No\n\nChannel 0: working,\n\nChannel 1: worries.\n\nChannel 0: it doesn't make a huge difference whether you claim it or not. It doesn't give you that tax benefit really\n\nChannel 1: Yeah.\n\nChannel 0: in\n\nChannel 1: Yeah.\n\nChannel 0: regards\n\nChannel 1: Yeah. No.\n\nChannel 0: to\n\nChannel 1: It's\n\nChannel 0: money\n\nChannel 1: all\n\nChannel 0: back.\n\nChannel 1: good.\n\nChannel 0: Perfect. But any questions, concerns for me now? Obviously, it's a very quick run through, but anything else that you want to touch on while you've got me there?\n\nChannel 1: No. No. No. All good. All good.\n\nI'll just have a look at it when I when I got time. I'll read everything and sign it and everything.\n\nChannel 0: Not a problem at all, Nave. Well, you enjoy the rest of your day. Thanks for your time. And any questions,\n\nChannel 1: Not a\n\nChannel 0: I'll\n\nChannel 1: problem.\n\nChannel 0: shoot you through an email, and you can just respond to that with any questions you might have in regards\n\nChannel 1: No\n\nChannel 0: to that\n\nChannel 1: worries.\n\nChannel 0: document.\n\nChannel 1: Thank\n\nChannel 0: So easy,\n\nChannel 1: you.\n\nChannel 0: mate. Well, enjoy the rest of your day. Good luck with you, Imam. Hopefully, everything goes\n\nChannel 1: No\n\nChannel 0: well.\n\nChannel 1: worries. Thank you. Bye.\n\nChannel 0: Thanks, mate. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Nate.","start":3.12,"end":4.08,"sentiment":"positive","sentiment_score":0.36929500102996826},{"text":"It's Carl calling from HP Financial.","start":4.08,"end":5.68,"sentiment":"neutral","sentiment_score":0.217164176205794},{"text":"How are you today?","start":5.68,"end":6.58,"sentiment":"neutral","sentiment_score":0.25476548448204994}],"sentiment":"neutral","sentiment_score":0.26384092294252837,"channel":0,"num_words":13,"start":3.12,"end":6.58},{"sentences":[{"text":"Not bad.","start":6.96,"end":7.3599997,"sentiment":"positive","sentiment_score":0.4342819005250931},{"text":"Thanks.","start":7.3599997,"end":7.8599997,"sentiment":"positive","sentiment_score":0.6558519005775452}],"sentiment":"positive","sentiment_score":0.5081385672092438,"channel":1,"num_words":3,"start":6.96,"end":7.8599997},{"sentences":[{"text":"That's good to hear.","start":8.16,"end":8.96,"sentiment":"positive","sentiment_score":0.7443222850561142},{"text":"I've got you scheduled in for your straight statement of last presentation.","start":8.96,"end":12.32,"sentiment":"positive","sentiment_score":0.38166215767463046},{"text":"Is now still a good time for you?","start":12.32,"end":13.575,"sentiment":"positive","sentiment_score":0.35314298048615456}],"sentiment":"positive","sentiment_score":0.43259911984205246,"channel":0,"num_words":24,"start":8.16,"end":13.575},{"sentences":[{"text":"Yeah.","start":13.84,"end":14.16,"sentiment":"neutral","sentiment_score":0.023560356348752975},{"text":"How long is this gonna take?","start":14.16,"end":15.54,"sentiment":"neutral","sentiment_score":-0.035849301144480705},{"text":"Roughly.","start":15.745,"end":16.244999,"sentiment":"neutral","sentiment_score":-0.06377111375331879}],"sentiment":"neutral","sentiment_score":-0.031913320533931255,"channel":1,"num_words":8,"start":13.84,"end":16.244999},{"sentences":[{"text":"If you're a little bit busy, I know you're sort of caring for your your mother at the the moment there, we can sort of make it pretty quick.","start":17.654999,"end":23.895,"sentiment":"neutral","sentiment_score":-0.02110224313520152},{"text":"And if you can have a read through it in your spare time, if you have any questions, you can come back.","start":23.895,"end":27.39,"sentiment":"neutral","sentiment_score":0.05380515686490319}],"sentiment":"neutral","sentiment_score":0.011210752943275022,"channel":0,"num_words":51,"start":17.654999,"end":27.39},{"sentences":[{"text":"Yeah.","start":27.665,"end":27.985,"sentiment":"neutral","sentiment_score":0.06826914846897125},{"text":"Yeah.","start":27.985,"end":28.305,"sentiment":"neutral","sentiment_score":0.09079448878765106},{"text":"Yeah.","start":28.305,"end":28.805,"sentiment":"neutral","sentiment_score":0.15952879190444946}],"sentiment":"neutral","sentiment_score":0.10619747638702393,"channel":1,"num_words":3,"start":27.665,"end":28.805},{"sentences":[{"text":"Perfect.","start":30.75,"end":31.25,"sentiment":"positive","sentiment_score":0.4495968222618103},{"text":"Just to jump into that today, Nave, if I can just pass through security with your name, date of birth, and current address, we can get stuck into that today.","start":32.19,"end":38.129997,"sentiment":"neutral","sentiment_score":0.2931913783152898}],"sentiment":"neutral","sentiment_score":0.29823671521679046,"channel":0,"num_words":31,"start":30.75,"end":38.129997},{"sentences":[{"text":"Yep.","start":38.39,"end":38.89,"sentiment":"neutral","sentiment_score":0.13926032185554504}],"sentiment":"neutral","sentiment_score":0.13926032185554504,"channel":1,"num_words":1,"start":38.39,"end":38.89},{"sentences":[{"text":"Yep.","start":41.004997,"end":41.405,"sentiment":"neutral","sentiment_score":0.1193205937743187},{"text":"So just full name, date of birth, and card notice will","start":41.405,"end":43.405,"sentiment":"neutral","sentiment_score":0.1494238484989513}],"sentiment":"neutral","sentiment_score":0.14691524393856525,"channel":0,"num_words":12,"start":41.004997,"end":43.405},{"sentences":[{"text":"9","start":43.295002,"end":43.615,"sentiment":"neutral","sentiment_score":0.16810332238674164}],"sentiment":"neutral","sentiment_score":0.16810332238674164,"channel":1,"num_words":1,"start":43.295002,"end":43.615},{"sentences":[{"text":"get going.","start":43.405,"end":44.065,"sentiment":"neutral","sentiment_score":0.1350318118929863}],"sentiment":"neutral","sentiment_score":0.1350318118929863,"channel":0,"num_words":2,"start":43.405,"end":44.065},{"sentences":[{"text":"7.","start":43.615,"end":44.115,"sentiment":"neutral","sentiment_score":0.02373346127569675},{"text":"10/2072.","start":44.495003,"end":46.515,"sentiment":"neutral","sentiment_score":0.023028675466775898},{"text":"12 Bowbrook Avenue, Amy Plains.","start":46.895,"end":48.835003,"sentiment":"neutral","sentiment_score":0.04429062157869339}],"sentiment":"neutral","sentiment_score":0.03831646351941994,"channel":1,"num_words":7,"start":43.615,"end":48.835003},{"sentences":[{"text":"Perfect.","start":49.805,"end":50.305,"sentiment":"positive","sentiment_score":0.3705505132675171},{"text":"And just given the time that has elapsed since we last sort of spoke to Naif, have anything in regards to your employment or anything changed at the moment?","start":50.445,"end":58.760002,"sentiment":"neutral","sentiment_score":0.05629271487223691}],"sentiment":"neutral","sentiment_score":0.06676797481874625,"channel":0,"num_words":30,"start":49.805,"end":58.760002},{"sentences":[{"text":"Not really.","start":59.25,"end":59.81,"sentiment":"neutral","sentiment_score":-0.15556872636079788},{"text":"I'm just, like, doing couple of days here and there just, like, with my mates.","start":59.81,"end":64.47,"sentiment":"neutral","sentiment_score":-0.16700908690690994},{"text":"Like, just give me a day here, a day there.","start":64.61,"end":66.69,"sentiment":"neutral","sentiment_score":-0.15576307624578475},{"text":"Other than that, nothing really.","start":66.69,"end":68.15,"sentiment":"neutral","sentiment_score":-0.14646666049957274}],"sentiment":"neutral","sentiment_score":-0.15956993191502988,"channel":1,"num_words":32,"start":59.25,"end":68.15},{"sentences":[{"text":"Yep.","start":68.994995,"end":69.494995,"sentiment":"neutral","sentiment_score":-0.00846028234809637},{"text":"And then I know you did have that payout when you were made redundant there.","start":70.034996,"end":75.09499,"sentiment":"neutral","sentiment_score":-0.039530583346883454},{"text":"Has that","start":75.155,"end":75.55499,"sentiment":"neutral","sentiment_score":-0.028801525942981243}],"sentiment":"neutral","sentiment_score":-0.03661233802429504,"channel":0,"num_words":18,"start":68.994995,"end":75.55499},{"sentences":[{"text":"Yep.","start":75.465,"end":75.965,"sentiment":"neutral","sentiment_score":-0.02989315614104271}],"sentiment":"neutral","sentiment_score":-0.02989315614104271,"channel":1,"num_words":1,"start":75.465,"end":75.965},{"sentences":[{"text":"sort of mentioned all of you spent money much of that, or is that still sitting there?","start":75.55499,"end":79.174995,"sentiment":"neutral","sentiment_score":-0.05327411960153019}],"sentiment":"neutral","sentiment_score":-0.05327411960153019,"channel":0,"num_words":17,"start":75.55499,"end":79.174995},{"sentences":[{"text":"No.","start":79.545,"end":79.704994,"sentiment":"neutral","sentiment_score":-0.11577486246824265},{"text":"I still got some.","start":79.704994,"end":80.585,"sentiment":"neutral","sentiment_score":-0.09305357560515404},{"text":"I still got most of it.","start":80.585,"end":81.9,"sentiment":"neutral","sentiment_score":-0.042499207270642124}],"sentiment":"neutral","sentiment_score":-0.06754403713751923,"channel":1,"num_words":11,"start":79.545,"end":81.9},{"sentences":[{"text":"Yep.","start":82.61,"end":83.11,"sentiment":"neutral","sentiment_score":0.01244250312447548},{"text":"And just the the car that's here in the other asset at the moment?","start":83.33,"end":86.15,"sentiment":"neutral","sentiment_score":-0.0014140585304370948}],"sentiment":"neutral","sentiment_score":-0.0004902877534429232,"channel":0,"num_words":15,"start":82.61,"end":86.15},{"sentences":[{"text":"Yeah.","start":86.06,"end":86.380005,"sentiment":"neutral","sentiment_score":0.018752310425043103},{"text":"Yeah.","start":86.380005,"end":86.880005,"sentiment":"neutral","sentiment_score":0.038753073662519455}],"sentiment":"neutral","sentiment_score":0.02875269204378128,"channel":1,"num_words":2,"start":86.06,"end":86.880005},{"sentences":[{"text":"Perfect.","start":87.97,"end":88.47,"sentiment":"neutral","sentiment_score":0.07000812888145447},{"text":"Anything else that sort of changed in the the last few months","start":88.61,"end":91.33,"sentiment":"neutral","sentiment_score":0.001855171285569668}],"sentiment":"neutral","sentiment_score":0.007097706485253114,"channel":0,"num_words":13,"start":87.97,"end":91.33},{"sentences":[{"text":"No.","start":91.26,"end":91.66,"sentiment":"neutral","sentiment_score":-0.06822673976421356}],"sentiment":"neutral","sentiment_score":-0.06822673976421356,"channel":1,"num_words":1,"start":91.26,"end":91.66},{"sentences":[{"text":"since we last","start":91.33,"end":91.89,"sentiment":"neutral","sentiment_score":-0.07026509940624237}],"sentiment":"neutral","sentiment_score":-0.07026509940624237,"channel":0,"num_words":3,"start":91.33,"end":91.89},{"sentences":[{"text":"Not","start":91.66,"end":91.9,"sentiment":"neutral","sentiment_score":-0.07491657137870789}],"sentiment":"neutral","sentiment_score":-0.07491657137870789,"channel":1,"num_words":1,"start":91.66,"end":91.9},{"sentences":[{"text":"spoke?","start":91.89,"end":92.295,"sentiment":"neutral","sentiment_score":-0.09005632996559143}],"sentiment":"neutral","sentiment_score":-0.09005632996559143,"channel":0,"num_words":1,"start":91.89,"end":92.295},{"sentences":[{"text":"really.","start":91.9,"end":92.4,"sentiment":"neutral","sentiment_score":-0.07931970059871674},{"text":"Not really.","start":92.700005,"end":93.44,"sentiment":"neutral","sentiment_score":-0.08607197552919388}],"sentiment":"neutral","sentiment_score":-0.08382121721903484,"channel":1,"num_words":3,"start":91.9,"end":93.44},{"sentences":[{"text":"Not a","start":94.055,"end":94.534996,"sentiment":"neutral","sentiment_score":-0.06044050492346287}],"sentiment":"neutral","sentiment_score":-0.06044050492346287,"channel":0,"num_words":2,"start":94.055,"end":94.534996},{"sentences":[{"text":"No.","start":94.315,"end":94.395,"sentiment":"neutral","sentiment_score":-0.07250989973545074},{"text":"Just","start":94.395,"end":94.555,"sentiment":"neutral","sentiment_score":-0.08170376718044281}],"sentiment":"neutral","sentiment_score":-0.07710683345794678,"channel":1,"num_words":2,"start":94.315,"end":94.555},{"sentences":[{"text":"problem.","start":94.534996,"end":95.034996,"sentiment":"neutral","sentiment_score":-0.0813155546784401}],"sentiment":"neutral","sentiment_score":-0.0813155546784401,"channel":0,"num_words":1,"start":94.534996,"end":95.034996},{"sentences":[{"text":"looking after my mom.","start":94.555,"end":95.595,"sentiment":"neutral","sentiment_score":-0.14282267540693283},{"text":"My mom is, like, having problems.","start":95.595,"end":98.015,"sentiment":"neutral","sentiment_score":-0.23605486253897348},{"text":"She might have an operation soon.","start":98.475,"end":99.994995,"sentiment":"neutral","sentiment_score":-0.19122169663508734},{"text":"She's got, like, like, she does not remembering heaps of stuff, so I've been taking her to doctors now.","start":99.994995,"end":105.275,"sentiment":"neutral","sentiment_score":-0.16694461828783938},{"text":"I've got a specialist on Thursday.","start":105.275,"end":106.735,"sentiment":"neutral","sentiment_score":-0.06768459205826123}],"sentiment":"neutral","sentiment_score":-0.16373183796318566,"channel":1,"num_words":41,"start":94.555,"end":106.735},{"sentences":[{"text":"Been taking it to all these testing and stuff like that.","start":107.07,"end":110.770004,"sentiment":"neutral","sentiment_score":-0.06922154501080513}],"sentiment":"neutral","sentiment_score":-0.06922154501080513,"channel":1,"num_words":11,"start":107.07,"end":110.770004},{"sentences":[{"text":"Yep.","start":111.27,"end":111.43,"sentiment":"neutral","sentiment_score":0.09472241252660751},{"text":"And have you looked into sort of, like, care support payments and things like that?","start":111.43,"end":116.17,"sentiment":"neutral","sentiment_score":0.014363043631116549}],"sentiment":"neutral","sentiment_score":0.019385504187084734,"channel":0,"num_words":16,"start":111.27,"end":116.17},{"sentences":[{"text":"Not really.","start":117.15,"end":117.71,"sentiment":"negative","sentiment_score":-0.3715595453977585},{"text":"Because I don't know.","start":117.71,"end":118.67,"sentiment":"negative","sentiment_score":-0.3600088953971863},{"text":"Like, because I've got money in the bank and that money that I've got, and I don't know if anyone like, if they'll give me anything.","start":118.67,"end":125.445,"sentiment":"negative","sentiment_score":-0.38283772651965803},{"text":"Fuck.","start":125.445,"end":125.945,"sentiment":"negative","sentiment_score":-0.6007612943649292}],"sentiment":"negative","sentiment_score":-0.3859908138260697,"channel":1,"num_words":33,"start":117.15,"end":125.945},{"sentences":[{"text":"Yeah.","start":127.204994,"end":127.704994,"sentiment":"neutral","sentiment_score":-0.2204982489347458},{"text":"Well, in regards to that, I'm not a 100% sure on what, like, your eligibility would be given the the cash in the bank that you do have.","start":127.84499,"end":134.37,"sentiment":"neutral","sentiment_score":-0.203963109425136}],"sentiment":"neutral","sentiment_score":-0.20453328664960532,"channel":0,"num_words":29,"start":127.204994,"end":134.37},{"sentences":[{"text":"Yeah.","start":134.885,"end":135.33,"sentiment":"neutral","sentiment_score":-0.08364448696374893}],"sentiment":"neutral","sentiment_score":-0.08364448696374893,"channel":1,"num_words":1,"start":134.885,"end":135.33},{"sentences":[{"text":"But given that, like, it's not your, like, Centrelink entitlements in regards to, like, JobKeeper and things like that, you may be out of sort of contact Centrelink and have a conversation and see.","start":134.91,"end":144.045,"sentiment":"neutral","sentiment_score":-0.15825274608591022},{"text":"But just for caring for your mother, if you're eligible for some form of carers allowance and things like that.","start":144.125,"end":149.665,"sentiment":"neutral","sentiment_score":-0.008551393449306489}],"sentiment":"neutral","sentiment_score":-0.10280780066494588,"channel":0,"num_words":54,"start":134.91,"end":149.665},{"sentences":[{"text":"Yeah.","start":149.915,"end":150.155,"sentiment":"neutral","sentiment_score":0.07387788593769073},{"text":"No worries.","start":150.155,"end":150.715,"sentiment":"neutral","sentiment_score":0.1487618163228035},{"text":"I'll have a look into it.","start":150.715,"end":152.015,"sentiment":"neutral","sentiment_score":0.1842903271317482}],"sentiment":"neutral","sentiment_score":0.16412705348597634,"channel":1,"num_words":9,"start":149.915,"end":152.015},{"sentences":[{"text":"Just if you're sort of still here and there between work and things like that.","start":152.525,"end":156.22499,"sentiment":"neutral","sentiment_score":-0.01599820926785469},{"text":"You","start":156.36499,"end":156.525,"sentiment":"neutral","sentiment_score":0.02367030829191208}],"sentiment":"neutral","sentiment_score":-0.013518926920369267,"channel":0,"num_words":16,"start":152.525,"end":156.525},{"sentences":[{"text":"Yeah.","start":156.475,"end":156.975,"sentiment":"neutral","sentiment_score":0.041156426072120667}],"sentiment":"neutral","sentiment_score":0.041156426072120667,"channel":1,"num_words":1,"start":156.475,"end":156.975},{"sentences":[{"text":"know?","start":156.525,"end":156.96,"sentiment":"neutral","sentiment_score":0.034181512892246246},{"text":"It does come with its own set of things in regards, like, estate planning, things like that being care for your parents can impact that.","start":157.84001,"end":163.38,"sentiment":"neutral","sentiment_score":-0.008387110233306884},{"text":"I know within regards to this advice as well, we are recommending going to see a low set up of wheels.","start":163.44,"end":167.44,"sentiment":"neutral","sentiment_score":0.1421678541671662},{"text":"So if you do have any questions regarding, like, how carers payments can impact, like, wills and estates and things like that as well, you can have a conversation with them as well.","start":167.44,"end":177.105,"sentiment":"neutral","sentiment_score":0.10539807785641063}],"sentiment":"neutral","sentiment_score":0.0786020657978952,"channel":0,"num_words":80,"start":156.525,"end":177.105},{"sentences":[{"text":"No worries.","start":177.26,"end":178.0,"sentiment":"neutral","sentiment_score":0.11804185435175896}],"sentiment":"neutral","sentiment_score":0.11804185435175896,"channel":1,"num_words":2,"start":177.26,"end":178.0},{"sentences":[{"text":"But in regards to this document here, I'll just be sending this to your email address there, nave underscore I'm gonna put you your last name, but then@hotmail.com.","start":178.765,"end":188.09999,"sentiment":"neutral","sentiment_score":0.060353827263627736},{"text":"Is that still your","start":188.09999,"end":188.73999,"sentiment":"neutral","sentiment_score":0.022722828201949596}],"sentiment":"neutral","sentiment_score":0.055649952380917966,"channel":0,"num_words":32,"start":178.765,"end":188.73999},{"sentences":[{"text":"That's","start":188.72499,"end":189.045,"sentiment":"neutral","sentiment_score":0.033378854393959045}],"sentiment":"neutral","sentiment_score":0.033378854393959045,"channel":1,"num_words":1,"start":188.72499,"end":189.045},{"sentences":[{"text":"correct email?","start":188.73999,"end":189.48,"sentiment":"neutral","sentiment_score":0.04683077149093151}],"sentiment":"neutral","sentiment_score":0.04683077149093151,"channel":0,"num_words":2,"start":188.73999,"end":189.48},{"sentences":[{"text":"correct.","start":189.045,"end":189.545,"sentiment":"neutral","sentiment_score":0.10078243911266328},{"text":"Yep.","start":189.765,"end":190.26,"sentiment":"neutral","sentiment_score":0.2453741878271103}],"sentiment":"neutral","sentiment_score":0.17307831346988678,"channel":1,"num_words":2,"start":189.045,"end":190.26},{"sentences":[{"text":"Perfect.","start":190.65999,"end":191.15999,"sentiment":"positive","sentiment_score":0.5212594866752625},{"text":"So this will be there shortly.","start":191.45999,"end":192.81999,"sentiment":"positive","sentiment_score":0.3626302480697632},{"text":"As I said, you'll be able to sort of review the statement advice, the appendix there.","start":192.81999,"end":196.9,"sentiment":"neutral","sentiment_score":0.23720315378159285},{"text":"You'll also the Ophi service guide and then the OP financial services guide as well as the PDFs for your current insurance there as well.","start":196.9,"end":203.355,"sentiment":"neutral","sentiment_score":0.1690547461807728},{"text":"As far as the advice goes, it is quite straightforward in terms of oh, I think it just didn't send, so I'm just gonna have to resend that.","start":203.495,"end":217.85,"sentiment":"neutral","sentiment_score":0.1495114268868097}],"sentiment":"neutral","sentiment_score":0.19611815845985947,"channel":0,"num_words":76,"start":190.65999,"end":217.85},{"sentences":[{"text":"But as far as the","start":218.06999,"end":220.47,"sentiment":"neutral","sentiment_score":0.057219187170267104}],"sentiment":"neutral","sentiment_score":0.057219187170267104,"channel":0,"num_words":5,"start":218.06999,"end":220.47},{"sentences":[{"text":"Yep.","start":220.45,"end":220.95,"sentiment":"neutral","sentiment_score":0.07496052235364914}],"sentiment":"neutral","sentiment_score":0.07496052235364914,"channel":1,"num_words":1,"start":220.45,"end":220.95},{"sentences":[{"text":"device itself, it is just an investment update in regards to, like, the obviously, the assets there and then also the contributions because you aren't working and aren't earning much of an income at the moment.","start":220.47,"end":231.72499,"sentiment":"neutral","sentiment_score":-0.015691821463406086}],"sentiment":"neutral","sentiment_score":-0.015691821463406086,"channel":0,"num_words":36,"start":220.47,"end":231.72499},{"sentences":[{"text":"Yep.","start":232.04999,"end":232.54999,"sentiment":"neutral","sentiment_score":0.09050168097019196}],"sentiment":"neutral","sentiment_score":0.09050168097019196,"channel":1,"num_words":1,"start":232.04999,"end":232.54999},{"sentences":[{"text":"Yeah.","start":233.305,"end":233.705,"sentiment":"neutral","sentiment_score":0.10019528120756148},{"text":"So bear with me.","start":233.705,"end":234.905,"sentiment":"neutral","sentiment_score":0.10545135848224163},{"text":"I'll just go to redo this document there because it's Sorry.","start":234.905,"end":253.655,"sentiment":"neutral","sentiment_score":0.0932529213076288},{"text":"Technology never works when you want it to.","start":253.655,"end":255.655,"sentiment":"neutral","sentiment_score":-0.02438195701688528},{"text":"So","start":255.655,"end":256.155,"sentiment":"positive","sentiment_score":0.3376651704311371}],"sentiment":"neutral","sentiment_score":0.06761569455265999,"channel":0,"num_words":25,"start":233.305,"end":256.155},{"sentences":[{"text":"So good.","start":256.52002,"end":257.26,"sentiment":"positive","sentiment_score":0.5306641161441803}],"sentiment":"positive","sentiment_score":0.5306641161441803,"channel":1,"num_words":2,"start":256.52002,"end":257.26},{"sentences":[{"text":"But just while I'm just finishing up that then, Naeve, do you have any questions or concerns at the moment that we sort of haven't discussed or haven't mentioned before jumping in that today?","start":273.19,"end":282.865,"sentiment":"neutral","sentiment_score":0.059848094550783146}],"sentiment":"neutral","sentiment_score":0.059848094550783146,"channel":0,"num_words":34,"start":273.19,"end":282.865},{"sentences":[{"text":"No.","start":283.33,"end":283.56998,"sentiment":"neutral","sentiment_score":-0.13826946914196014},{"text":"No.","start":283.56998,"end":283.81,"sentiment":"neutral","sentiment_score":-0.1459183543920517},{"text":"Not really.","start":283.81,"end":284.44998,"sentiment":"neutral","sentiment_score":-0.15899130702018738},{"text":"Not really.","start":284.44998,"end":285.16998,"sentiment":"neutral","sentiment_score":-0.20852729678153992},{"text":"Other than that, like, I spoke I spoke I don't know if it was you or somebody.","start":285.16998,"end":288.84998,"sentiment":"neutral","sentiment_score":-0.1080607471658903}],"sentiment":"neutral","sentiment_score":-0.12418511882424355,"channel":1,"num_words":23,"start":283.33,"end":288.84998},{"sentences":[{"text":"And I said, look.","start":288.84998,"end":289.785,"sentiment":"neutral","sentiment_score":-0.012658631429076195},{"text":"If I can contribute myself, and you said give it six months.","start":290.98502,"end":294.42502,"sentiment":"neutral","sentiment_score":0.0318267522379756},{"text":"And then, like I said, maybe I can pull $50 a week from my own money into it and","start":294.42502,"end":299.785,"sentiment":"neutral","sentiment_score":0.057968675698104655}],"sentiment":"neutral","sentiment_score":0.04093403826866831,"channel":1,"num_words":35,"start":288.84998,"end":299.785},{"sentences":[{"text":"Yep.","start":299.755,"end":300.255,"sentiment":"neutral","sentiment_score":0.07442744821310043}],"sentiment":"neutral","sentiment_score":0.07442744821310043,"channel":0,"num_words":1,"start":299.755,"end":300.255},{"sentences":[{"text":"just just put in.","start":299.785,"end":300.825,"sentiment":"neutral","sentiment_score":0.06298737786710262},{"text":"And you said you're gonna look into it and and, like, maybe give me something where I can just put into it, like, $50 a week or something just so I can still contribute a little bit if I, you know, if I can manage.","start":300.825,"end":312.74002,"sentiment":"neutral","sentiment_score":0.12365025935901536},{"text":"You know what I mean?","start":312.74002,"end":313.88,"sentiment":"neutral","sentiment_score":0.005585150048136711}],"sentiment":"neutral","sentiment_score":0.10822475801601454,"channel":1,"num_words":54,"start":299.785,"end":313.88},{"sentences":[{"text":"Yeah.","start":314.09003,"end":314.41,"sentiment":"neutral","sentiment_score":0.15160274505615234},{"text":"I did include that in this document here as well.","start":314.41,"end":317.85,"sentiment":"neutral","sentiment_score":0.21513456702232361},{"text":"So now that I've got that read done there as well,","start":317.85,"end":322.27002,"sentiment":"neutral","sentiment_score":0.16952235319397665}],"sentiment":"neutral","sentiment_score":0.18944065001877872,"channel":0,"num_words":22,"start":314.09003,"end":322.27002},{"sentences":[{"text":"Yeah.","start":324.155,"end":324.395,"sentiment":"neutral","sentiment_score":0.165703147649765},{"text":"Just, like, if you give me, like, where where I need to put in or what, and then, you know, whenever I've got, like, if, you know, every week or every second week, if I can, you know, if I can put just something in there and, you know, if it helps, it's not gonna do any harm.","start":324.395,"end":338.75,"sentiment":"neutral","sentiment_score":0.18408474917041845}],"sentiment":"neutral","sentiment_score":0.1837731966022718,"channel":1,"num_words":59,"start":324.155,"end":338.75},{"sentences":[{"text":"Exactly.","start":339.97,"end":340.29,"sentiment":"neutral","sentiment_score":0.2196885049343109},{"text":"And I did include that in the the document.","start":340.29,"end":342.13,"sentiment":"neutral","sentiment_score":0.21590831047958797},{"text":"I didn't include the amount you could do given that you are","start":342.13,"end":345.35,"sentiment":"neutral","sentiment_score":0.0828712834045291}],"sentiment":"neutral","sentiment_score":0.1435144863684069,"channel":0,"num_words":22,"start":339.97,"end":345.35},{"sentences":[{"text":"Yeah.","start":345.85,"end":346.17,"sentiment":"neutral","sentiment_score":0.14007055759429932}],"sentiment":"neutral","sentiment_score":0.14007055759429932,"channel":1,"num_words":1,"start":345.85,"end":346.17},{"sentences":[{"text":"really","start":345.89,"end":346.39,"sentiment":"neutral","sentiment_score":0.171174556016922}],"sentiment":"neutral","sentiment_score":0.171174556016922,"channel":0,"num_words":1,"start":345.89,"end":346.39},{"sentences":[{"text":"Yeah.","start":346.17,"end":346.33,"sentiment":"neutral","sentiment_score":0.19196717441082},{"text":"That's right.","start":346.33,"end":346.97,"sentiment":"neutral","sentiment_score":0.24123746156692505},{"text":"Like I said.","start":346.97,"end":347.79,"sentiment":"neutral","sentiment_score":0.09766559799512227}],"sentiment":"neutral","sentiment_score":0.16123981525500616,"channel":1,"num_words":6,"start":346.17,"end":347.79},{"sentences":[{"text":"earning income and then what you get for that as well.","start":347.42502,"end":350.545,"sentiment":"neutral","sentiment_score":0.2190872539173473},{"text":"So you should have that shortly there.","start":350.545,"end":352.48502,"sentiment":"neutral","sentiment_score":0.24752976638930185},{"text":"While that's coming through there, Neve, in regards to just the best interest of you, obviously, we can't put you in a better position.","start":352.86502,"end":359.265,"sentiment":"neutral","sentiment_score":0.03843214440469941},{"text":"We're not gonna sort of make the recommendation.","start":359.265,"end":361.045,"sentiment":"neutral","sentiment_score":-0.25694140791893005},{"text":"I know, yeah, currently, you're not sort of working at the the the moment, but you are sort of doing a bit of work here and there.","start":362.07,"end":367.91,"sentiment":"neutral","sentiment_score":-0.12057584179220376}],"sentiment":"neutral","sentiment_score":-0.003195316470288611,"channel":0,"num_words":77,"start":347.42502,"end":367.91},{"sentences":[{"text":"You're able to get by on you.","start":367.91,"end":369.03,"sentiment":"neutral","sentiment_score":0.21383779602391378},{"text":"So it's just redundancy payment as well as caring for your your mother.","start":369.03,"end":372.15,"sentiment":"neutral","sentiment_score":0.09570425949417628},{"text":"So you're on a bit of an in between stage.","start":372.15,"end":373.83002,"sentiment":"neutral","sentiment_score":-0.016155169781995937},{"text":"So at the moment, we just looked at reviewing the superannuation, make sure that your investments were adequate for your current situation.","start":373.83002,"end":382.025,"sentiment":"neutral","sentiment_score":0.11625732244415717},{"text":"And then just at estate planning, make a recommendation for that, just making sure you have the adequate means in place as well.","start":382.56497,"end":388.50497,"sentiment":"neutral","sentiment_score":0.2528333340002143}],"sentiment":"neutral","sentiment_score":0.1460306136473082,"channel":0,"num_words":75,"start":367.91,"end":388.50497},{"sentences":[{"text":"And I know sort of with caring for your mother and things like that as well, it might be worth sort of her, you know, visiting and getting things sorted just in the event that anything did occur suddenly that, you know, it is a lot easier on your yourself and any sort of other family members like your brother to be able to settle","start":388.645,"end":403.31,"sentiment":"neutral","sentiment_score":0.2268261901461161}],"sentiment":"neutral","sentiment_score":0.2268261901461161,"channel":0,"num_words":65,"start":388.645,"end":403.31},{"sentences":[{"text":"Yeah.","start":402.935,"end":403.435,"sentiment":"neutral","sentiment_score":0.07779184728860855}],"sentiment":"neutral","sentiment_score":0.07779184728860855,"channel":1,"num_words":1,"start":402.935,"end":403.435},{"sentences":[{"text":"estates and things like that as well.","start":403.31,"end":404.955,"sentiment":"neutral","sentiment_score":0.05750547189797674}],"sentiment":"neutral","sentiment_score":0.05750547189797674,"channel":0,"num_words":7,"start":403.31,"end":404.955},{"sentences":[{"text":"No worries.","start":405.495,"end":406.235,"sentiment":"neutral","sentiment_score":0.10078349709510803}],"sentiment":"neutral","sentiment_score":0.10078349709510803,"channel":1,"num_words":2,"start":405.495,"end":406.235},{"sentences":[{"text":"We did also include that the contributions and what was sort of recommended in regards to that given that you aren't currently working there at the moment.","start":406.395,"end":414.41498,"sentiment":"neutral","sentiment_score":0.06441290924946468},{"text":"Now what we looked at but didn't consider there is insurances.","start":415.59497,"end":418.395,"sentiment":"neutral","sentiment_score":-0.08989576995372772},{"text":"You currently don't have any.","start":418.395,"end":419.435,"sentiment":"neutral","sentiment_score":-0.23817929923534392},{"text":"You didn't wanna look at any.","start":419.435,"end":420.81497,"sentiment":"neutral","sentiment_score":-0.19428559641043344},{"text":"So within regards to that, just due to the the ADL definition that would have arisen there, you wanna remain sort of uninsured at the moment, so you might wanna revisit it in the future.","start":421.24,"end":429.96,"sentiment":"neutral","sentiment_score":-0.1738027321440833}],"sentiment":"neutral","sentiment_score":-0.0915406026123535,"channel":0,"num_words":84,"start":406.395,"end":429.96},{"sentences":[{"text":"But at the moment, you're happy sort of working towards","start":429.96,"end":431.8,"sentiment":"neutral","sentiment_score":0.26581755876541135}],"sentiment":"neutral","sentiment_score":0.26581755876541135,"channel":0,"num_words":10,"start":429.96,"end":431.8},{"sentences":[{"text":"Yes.","start":431.555,"end":432.055,"sentiment":"positive","sentiment_score":0.3751269578933716}],"sentiment":"positive","sentiment_score":0.3751269578933716,"channel":1,"num_words":1,"start":431.555,"end":432.055},{"sentences":[{"text":"being a bit more self insured.","start":431.8,"end":433.095,"sentiment":"positive","sentiment_score":0.34207184116045636},{"text":"As far as the budgeting on the money you do have, you're happy managing that yourself.","start":433.895,"end":437.095,"sentiment":"positive","sentiment_score":0.36072444915771484},{"text":"We can send you the OQ budget planner if you did wanna, you know, have that just for your own per purposes for, you know, budgeting for bills and expenses and things like that as well.","start":437.095,"end":445.38,"sentiment":"neutral","sentiment_score":0.2803325222598182}],"sentiment":"neutral","sentiment_score":0.30889643163516606,"channel":0,"num_words":58,"start":431.8,"end":445.38},{"sentences":[{"text":"No.","start":445.39502,"end":445.635,"sentiment":"neutral","sentiment_score":-0.08946847170591354},{"text":"No.","start":445.635,"end":445.795,"sentiment":"neutral","sentiment_score":-0.077794149518013},{"text":"I'm fine.","start":445.795,"end":446.195,"sentiment":"positive","sentiment_score":0.4765397906303406},{"text":"Thanks.","start":446.195,"end":446.67502,"sentiment":"positive","sentiment_score":0.6662077903747559},{"text":"I'm alright.","start":446.67502,"end":447.415,"sentiment":"positive","sentiment_score":0.35630783438682556}],"sentiment":"neutral","sentiment_score":0.3092343455978802,"channel":1,"num_words":7,"start":445.39502,"end":447.415},{"sentences":[{"text":"No problem.","start":447.94,"end":448.6,"sentiment":"neutral","sentiment_score":0.3112836629152298},{"text":"And then as far as employment, you know, you're happy, sort of amazing that yourself would doing work with your mates given that you are caring for your mother.","start":448.66,"end":454.9,"sentiment":"positive","sentiment_score":0.49437350651313516},{"text":"It's a bit hard to go back to full time work.","start":454.9,"end":456.82,"sentiment":"neutral","sentiment_score":-0.1518893465399742},{"text":"That's understandable.","start":456.82,"end":457.56,"sentiment":"neutral","sentiment_score":-0.05610273964703083}],"sentiment":"neutral","sentiment_score":0.2994638800790364,"channel":0,"num_words":44,"start":447.94,"end":457.56},{"sentences":[{"text":"Yeah.","start":457.13,"end":457.45,"sentiment":"neutral","sentiment_score":0.042207956314086914},{"text":"Yeah.","start":457.45,"end":457.77002,"sentiment":"neutral","sentiment_score":0.03551789000630379},{"text":"Yeah.","start":457.77002,"end":458.27002,"sentiment":"neutral","sentiment_score":0.03408493846654892}],"sentiment":"neutral","sentiment_score":0.03727026159564654,"channel":1,"num_words":3,"start":457.13,"end":458.27002},{"sentences":[{"text":"As far as the recommendation to you, we are recommending just staying with Netwealth, change those underlying investments.","start":459.575,"end":463.835,"sentiment":"neutral","sentiment_score":0.049290482265253864},{"text":"As far as the lump sum contribution to Netwealth, it's sort of be done by the end of the the financial year.","start":464.055,"end":469.595,"sentiment":"neutral","sentiment_score":0.0560521563007073},{"text":"In regards to the strategy for that one, I'll run through it in a second.","start":469.815,"end":473.47,"sentiment":"neutral","sentiment_score":0.058143924176692965},{"text":"And then the beneficiaries, setting up beneficiaries, making sure your world's up to date and getting that sorted, and then having a power of attorney in place there as well.","start":473.69,"end":481.39,"sentiment":"neutral","sentiment_score":0.1123004416624705},{"text":"Now has that email come through, Niamh, in regards","start":482.01,"end":484.83,"sentiment":"neutral","sentiment_score":-0.043704478070139885}],"sentiment":"neutral","sentiment_score":0.06349157371578064,"channel":0,"num_words":94,"start":459.575,"end":484.83},{"sentences":[{"text":"I'm not sure.","start":484.41998,"end":485.13998,"sentiment":"neutral","sentiment_score":-0.07391289621591568}],"sentiment":"neutral","sentiment_score":-0.07391289621591568,"channel":1,"num_words":3,"start":484.41998,"end":485.13998},{"sentences":[{"text":"to that?","start":484.89,"end":485.63,"sentiment":"neutral","sentiment_score":-0.06291479989886284}],"sentiment":"neutral","sentiment_score":-0.06291479989886284,"channel":0,"num_words":2,"start":484.89,"end":485.63},{"sentences":[{"text":"I'm on the phone, so I haven't really looked at it.","start":485.13998,"end":487.47998,"sentiment":"neutral","sentiment_score":-0.059052500535141335}],"sentiment":"neutral","sentiment_score":-0.059052500535141335,"channel":1,"num_words":11,"start":485.13998,"end":487.47998},{"sentences":[{"text":"No problem.","start":487.605,"end":488.325,"sentiment":"neutral","sentiment_score":0.1196666732430458},{"text":"Are you happy for me to just run through the recommendation and you review the","start":488.325,"end":491.205,"sentiment":"neutral","sentiment_score":0.24442537824312846}],"sentiment":"neutral","sentiment_score":0.22974788353723638,"channel":0,"num_words":17,"start":487.605,"end":491.205},{"sentences":[{"text":"Yeah.","start":491.055,"end":491.375,"sentiment":"neutral","sentiment_score":0.10675283521413804}],"sentiment":"neutral","sentiment_score":0.10675283521413804,"channel":1,"num_words":1,"start":491.055,"end":491.375},{"sentences":[{"text":"documents","start":491.205,"end":491.605,"sentiment":"neutral","sentiment_score":0.10764849185943604}],"sentiment":"neutral","sentiment_score":0.10764849185943604,"channel":0,"num_words":1,"start":491.205,"end":491.605},{"sentences":[{"text":"Yeah.","start":491.375,"end":491.535,"sentiment":"neutral","sentiment_score":0.06859105825424194},{"text":"Yeah.","start":491.535,"end":491.775,"sentiment":"neutral","sentiment_score":0.04520445317029953}],"sentiment":"neutral","sentiment_score":0.05689775571227074,"channel":1,"num_words":2,"start":491.375,"end":491.775},{"sentences":[{"text":"later?","start":491.605,"end":492.105,"sentiment":"neutral","sentiment_score":0.05072830244898796}],"sentiment":"neutral","sentiment_score":0.05072830244898796,"channel":0,"num_words":1,"start":491.605,"end":492.105},{"sentences":[{"text":"And then I'll have a look at it when when I hang up.","start":491.775,"end":493.695,"sentiment":"neutral","sentiment_score":0.08280046226886603},{"text":"And when I got time, I'll have a look at it.","start":493.695,"end":495.875,"sentiment":"neutral","sentiment_score":0.08247136798771945}],"sentiment":"neutral","sentiment_score":0.08264962739000718,"channel":1,"num_words":24,"start":491.775,"end":495.875},{"sentences":[{"text":"No problem.","start":495.925,"end":496.645,"sentiment":"neutral","sentiment_score":0.11345836520195007},{"text":"Can you at least see that the emails popped up in regards to it to come through just to make sure you","start":496.645,"end":500.485,"sentiment":"neutral","sentiment_score":0.10058383338830688}],"sentiment":"neutral","sentiment_score":0.1016567110394438,"channel":0,"num_words":24,"start":495.925,"end":500.485},{"sentences":[{"text":"Yeah.","start":500.415,"end":500.915,"sentiment":"neutral","sentiment_score":0.03316343575716019}],"sentiment":"neutral","sentiment_score":0.03316343575716019,"channel":1,"num_words":1,"start":500.415,"end":500.915},{"sentences":[{"text":"have received it?","start":500.485,"end":501.54498,"sentiment":"neutral","sentiment_score":0.04113710982104143}],"sentiment":"neutral","sentiment_score":0.04113710982104143,"channel":0,"num_words":3,"start":500.485,"end":501.54498},{"sentences":[{"text":"Yeah.","start":530.33,"end":530.65,"sentiment":"neutral","sentiment_score":0.10363457351922988},{"text":"It's come through.","start":530.65,"end":531.63,"sentiment":"neutral","sentiment_score":0.13505599896113077}],"sentiment":"neutral","sentiment_score":0.12720064260065556,"channel":1,"num_words":4,"start":530.33,"end":531.63},{"sentences":[{"text":"Perfect.","start":532.03,"end":532.53,"sentiment":"positive","sentiment_score":0.46738576889038086},{"text":"So you will have that statement advice.","start":532.83,"end":534.35,"sentiment":"neutral","sentiment_score":0.2469698871885027},{"text":"You can review on the attachments.","start":534.35,"end":535.55,"sentiment":"neutral","sentiment_score":0.16487335413694382},{"text":"And if you were happy with everything, you can click the link to sign.","start":535.55,"end":538.45,"sentiment":"neutral","sentiment_score":0.19994431627648218},{"text":"So I'll make this sort of quickly because that's the sort of main things, Heather, apart from the advice.","start":539.315,"end":544.035,"sentiment":"neutral","sentiment_score":0.2304204639635588}],"sentiment":"neutral","sentiment_score":0.220481369089573,"channel":0,"num_words":47,"start":532.03,"end":544.035},{"sentences":[{"text":"So on page eight, you'll have your assets or, like, your current situation there.","start":544.035,"end":548.45496,"sentiment":"neutral","sentiment_score":0.10074011236429214},{"text":"On the next page, I'll be over assets liabilities.","start":548.755,"end":550.77496,"sentiment":"neutral","sentiment_score":0.08433125499222013},{"text":"In regards to your risk profile, you did score growth, but we're keeping you in line with the high growth.","start":551.075,"end":554.89996,"sentiment":"neutral","sentiment_score":0.17137678936123849},{"text":"Even though that you aren't working currently, you still wanna aim for those, you know, longer, higher returns over the the long","start":554.89996,"end":561.45996,"sentiment":"neutral","sentiment_score":0.16823151098056274}],"sentiment":"neutral","sentiment_score":0.14304572148964956,"channel":0,"num_words":65,"start":544.035,"end":561.45996},{"sentences":[{"text":"Yep.","start":561.36,"end":561.86,"sentiment":"neutral","sentiment_score":0.05092431977391243}],"sentiment":"neutral","sentiment_score":0.05092431977391243,"channel":1,"num_words":1,"start":561.36,"end":561.86},{"sentences":[{"text":"term period, given your time to retirement.","start":561.45996,"end":563.54,"sentiment":"neutral","sentiment_score":0.11369378013270241},{"text":"So you're happy maintaining that level of risk,","start":563.54,"end":565.395,"sentiment":"positive","sentiment_score":0.5477457270026207}],"sentiment":"positive","sentiment_score":0.34518815179665885,"channel":0,"num_words":15,"start":561.45996,"end":565.395},{"sentences":[{"text":"Yep.","start":565.76,"end":566.26,"sentiment":"positive","sentiment_score":0.5511128902435303}],"sentiment":"positive","sentiment_score":0.5511128902435303,"channel":1,"num_words":1,"start":565.76,"end":566.26},{"sentences":[{"text":"and then sort of being in that high growth portfolio to make sure that you have the opportunity to to get those higher returns over the longer period of time, if that still makes sense.","start":566.03503,"end":575.575,"sentiment":"positive","sentiment_score":0.5277468315192632}],"sentiment":"positive","sentiment_score":0.5277468315192632,"channel":0,"num_words":35,"start":566.03503,"end":575.575},{"sentences":[{"text":"Yes.","start":576.10504,"end":576.60504,"sentiment":"positive","sentiment_score":0.5490012168884277}],"sentiment":"positive","sentiment_score":0.5490012168884277,"channel":1,"num_words":1,"start":576.10504,"end":576.60504},{"sentences":[{"text":"Perfect.","start":576.835,"end":577.335,"sentiment":"positive","sentiment_score":0.6866687536239624},{"text":"As far as the recommendation, it being in your best interest there, we are looking at the investment update for yourself.","start":577.73,"end":582.79,"sentiment":"neutral","sentiment_score":0.1531602522092206},{"text":"So within regards to that one, the Bennelong Fund wasn't performing for that one.","start":583.41,"end":588.44995,"sentiment":"neutral","sentiment_score":-0.16942696938557283},{"text":"So we're looking at removing that, updating that portfolio there to make sure that it's in your best interest moving forward, removing the underperforming asset, not having the active management moving forward.","start":588.44995,"end":599.575,"sentiment":"neutral","sentiment_score":0.015930468871374615},{"text":"So with that one there, you won't have the ability to to try and outperform the market, but you will follow the indexes, still have the same allocation to growth assets, and with that, it'll come with less volatility.","start":599.955,"end":610.2,"sentiment":"neutral","sentiment_score":0.3117966430309491}],"sentiment":"neutral","sentiment_score":0.13271869682907084,"channel":0,"num_words":107,"start":576.835,"end":610.2},{"sentences":[{"text":"And then also with that being, you do have a bit of a lower risk tolerance.","start":610.89996,"end":613.7,"sentiment":"positive","sentiment_score":0.3624416273087263},{"text":"It does reduce a a level of risk there as well.","start":613.7,"end":616.035,"sentiment":"neutral","sentiment_score":0.31879916109822015},{"text":"Even though you still have the potential for those higher returns, it is sort of dictated by those market indices and not sort of a performance manager, which does reduce your costs there as well.","start":616.115,"end":624.535,"sentiment":"neutral","sentiment_score":0.20209031743662698},{"text":"Now with that, you know, you do have a lower ongoing cost, which helps sort of go to compounding and having money invested there as well, which also helps why you're not working, contributing.","start":626.035,"end":634.54,"sentiment":"neutral","sentiment_score":0.21369874247295015},{"text":"It doesn't mean we can't review it in the future.","start":634.54,"end":636.48,"sentiment":"neutral","sentiment_score":0.05270729698240757}],"sentiment":"neutral","sentiment_score":0.2280363031434563,"channel":0,"num_words":106,"start":610.89996,"end":636.48},{"sentences":[{"text":"But overall, your lower investment costs, you'll have it in line with your risk profile.","start":636.62,"end":640.56,"sentiment":"positive","sentiment_score":0.34581330021222434},{"text":"You'll still have access to all of both of your services there as well, and you'll be in in a portfolio that is in line with your your current risk tolerance.","start":640.7,"end":648.64496,"sentiment":"positive","sentiment_score":0.3635776797609945}],"sentiment":"positive","sentiment_score":0.357784947299439,"channel":0,"num_words":46,"start":636.62,"end":648.64496},{"sentences":[{"text":"Yep.","start":650.44495,"end":650.94495,"sentiment":"neutral","sentiment_score":0.12210525572299956}],"sentiment":"neutral","sentiment_score":0.12210525572299956,"channel":1,"num_words":1,"start":650.44495,"end":650.94495},{"sentences":[{"text":"Yep.","start":651.505,"end":652.005,"sentiment":"neutral","sentiment_score":0.1067093014717102},{"text":"Now the risk of that one is obviously during the changes and things like that as well.","start":652.14496,"end":655.105,"sentiment":"neutral","sentiment_score":-0.043717208592330706},{"text":"You do have the market risk of if things were changed while you sold down to cash that you may sort of forego potential gains.","start":655.105,"end":660.92,"sentiment":"neutral","sentiment_score":-0.1202256092429161},{"text":"Also, the buy sell cost with switching investments there as well.","start":660.98,"end":663.88,"sentiment":"neutral","sentiment_score":-0.017481704327193173},{"text":"Obviously, been along being that it did go down will offset some of that.","start":664.18,"end":667.88,"sentiment":"neutral","sentiment_score":0.035755163324730735}],"sentiment":"neutral","sentiment_score":-0.04902720495181925,"channel":0,"num_words":68,"start":651.505,"end":667.88},{"sentences":[{"text":"But in saying that in the future, like, it does change daily, so it can't be fully calculated.","start":668.18,"end":672.83997,"sentiment":"neutral","sentiment_score":-0.10739236221545273},{"text":"But in saying that, we did look at, you know, removing you from your your fund, putting into a different fund there as well.","start":673.365,"end":678.885,"sentiment":"neutral","sentiment_score":-0.04081212977568308},{"text":"That might be a lower cost and have some other advantages.","start":678.885,"end":681.145,"sentiment":"neutral","sentiment_score":0.1948504610495134},{"text":"But it did show that, you know, if if you sold down everything, your capital gains would be up around nearly the know, just under the 6,000 mark.","start":681.605,"end":688.35,"sentiment":"neutral","sentiment_score":0.15246464844260896},{"text":"So we didn't wanna do a full sell down to make you sort of pay that upfront lump sum cost.","start":688.35,"end":693.49,"sentiment":"neutral","sentiment_score":-0.07700318852439522}],"sentiment":"neutral","sentiment_score":0.019403443791636145,"channel":0,"num_words":101,"start":668.18,"end":693.49},{"sentences":[{"text":"So within regards to the investments there, you will be out of Benelung.","start":694.11,"end":699.14996,"sentiment":"neutral","sentiment_score":0.026244679322609536},{"text":"You still have exposure in Australia.","start":699.14996,"end":700.93,"sentiment":"neutral","sentiment_score":0.005173212227722009},{"text":"Within regards to your new sort of exposures there as well, you'll be in Vanguard or World, so a bit outside The US as well just with how everything is going as well, having a bit of exposure outside of that.","start":701.735,"end":713.115,"sentiment":"neutral","sentiment_score":0.07701162212505573},{"text":"And then you'll also have some bonds just to replace the the bank hybrids you previously had just because they are phasing those out.","start":713.175,"end":719.99,"sentiment":"neutral","sentiment_score":0.08895931672304869},{"text":"So not a huge change with that.","start":719.99,"end":721.11005,"sentiment":"neutral","sentiment_score":0.11747166833707265}],"sentiment":"neutral","sentiment_score":0.07128595485055185,"channel":0,"num_words":91,"start":694.11,"end":721.11005},{"sentences":[{"text":"It is a defensive asset.","start":721.11005,"end":722.49,"sentiment":"positive","sentiment_score":0.415219658613205},{"text":"The rest of your portfolio will just sort of be adjusted in line with that rebalancing and then just removing all that key asset there.","start":722.79004,"end":730.275,"sentiment":"neutral","sentiment_score":0.19672127634286882},{"text":"It's important to note that you will have a minimum cash balance that Netwealth does hold, which is 1.25% of your current balance there as well.","start":730.835,"end":737.41504,"sentiment":"neutral","sentiment_score":0.08603587646323901},{"text":"So overall, it will reduce your exposure slightly.","start":738.195,"end":740.67505,"sentiment":"neutral","sentiment_score":0.1153662521392107},{"text":"You'll be around 95% growth assets, around 5% defensive.","start":740.67505,"end":743.87006,"sentiment":"neutral","sentiment_score":0.26449719899230534}],"sentiment":"neutral","sentiment_score":0.17170503832501907,"channel":0,"num_words":73,"start":721.11005,"end":743.87006},{"sentences":[{"text":"Now it's important to note that your alternative growth assets does contain gold around 7%, and that can be considered a bit of a defensive asset as well depending on how the markets are doing.","start":743.87006,"end":752.51,"sentiment":"neutral","sentiment_score":0.17533837429114751},{"text":"Obviously, in the past few years, it's grown so much that it's been considered a bit more of growth asset currently compared to what it previously has been, and that's how Oakview's decided to allocate it.","start":752.51,"end":761.835,"sentiment":"neutral","sentiment_score":0.22026848937902185},{"text":"In terms of the cost savings around the difference, when you include everything, including, like, you know, contributions, investment fees, adviser fees as well, It'll be around $770 in terms of fees you will be saving.","start":762.455,"end":774.25,"sentiment":"neutral","sentiment_score":0.21818693644470638},{"text":"That will go towards, you know, investment growth there as well.","start":774.31,"end":777.29,"sentiment":"neutral","sentiment_score":0.279912993311882},{"text":"Fees are obviously projected to be based on, like, your performance there for twelve months as well, and it's just 1.65 of the balance.","start":778.70996,"end":785.26495,"sentiment":"neutral","sentiment_score":0.06758008028070132}],"sentiment":"neutral","sentiment_score":0.18748030480994304,"channel":0,"num_words":142,"start":743.87006,"end":785.26495},{"sentences":[{"text":"But, obviously, if, you know, things keep going with the wall and I run thing, it might not be as high as what projected either with what is happening, if that all makes sense.","start":785.26495,"end":792.56494,"sentiment":"neutral","sentiment_score":-0.24542605778311982}],"sentiment":"neutral","sentiment_score":-0.24542605778311982,"channel":0,"num_words":34,"start":785.26495,"end":792.56494},{"sentences":[{"text":"Yep.","start":792.975,"end":793.475,"sentiment":"neutral","sentiment_score":0.30575382709503174}],"sentiment":"neutral","sentiment_score":0.30575382709503174,"channel":1,"num_words":1,"start":792.975,"end":793.475},{"sentences":[{"text":"Perfect.","start":794.06494,"end":794.545,"sentiment":"positive","sentiment_score":0.6584362983703613},{"text":"You'll be able to see those tables there on page seventeen and eighteen once you get a sense of go through that.","start":794.545,"end":799.32,"sentiment":"positive","sentiment_score":0.47795377942648803},{"text":"It does show you some projections moving forward and what that might look like projected out based on the previous performance, but it's important to note that past performance isn't indicative of future performance there.","start":799.48,"end":808.22003,"sentiment":"neutral","sentiment_score":0.1659853542489665},{"text":"As far as the contribution goes there, Niamh, recommend that you do a lump sum contribution of a thousand dollars.","start":809.48,"end":814.95496,"sentiment":"neutral","sentiment_score":0.11252860967069864},{"text":"Now you can break that up into, like, you know, $50 a week over the next sort of few months until the end of the financial year.","start":814.95496,"end":821.195,"sentiment":"neutral","sentiment_score":0.10531574929202045}],"sentiment":"neutral","sentiment_score":0.2102571835120519,"channel":0,"num_words":105,"start":794.06494,"end":821.195},{"sentences":[{"text":"But if you were to contribute the thousand dollars there as a non concessional contribution there, you do get $500 for the government.","start":821.195,"end":828.24,"sentiment":"neutral","sentiment_score":0.06871671278191649},{"text":"So that means given that you aren't working as much and you're not sort of earning over that 40,000 a year currently, it just means that the government will co contribute under up to $500 because of the the thousand you have put in there.","start":828.24,"end":840.90497,"sentiment":"neutral","sentiment_score":0.09142541645301713},{"text":"They'll match 50% of that, which means you get a little bit of free money there as well.","start":840.90497,"end":845.165,"sentiment":"positive","sentiment_score":0.37866562770472634},{"text":"Now given if you were to sort of start working and contributing more again or, you know, earning an income and sort of exceed those limitations with the co contribution scheme, it may mean you're not entitled to that $500.","start":845.225,"end":857.94,"sentiment":"neutral","sentiment_score":-0.2659347282722592},{"text":"If you obviously things do do change and you are working again and if you're earning over that sort of cap, it will reduce it and then sort of base on that until up until the point that you don't get any benefit from it.","start":858.32,"end":871.425,"sentiment":"neutral","sentiment_score":-0.2042107183072302}],"sentiment":"neutral","sentiment_score":-0.04278515802140821,"channel":0,"num_words":171,"start":821.195,"end":871.425},{"sentences":[{"text":"Now if you do wanna contribute more than that, you obviously can as well.","start":871.425,"end":874.385,"sentiment":"neutral","sentiment_score":0.1037310031907899},{"text":"This is through the non concessional arrangement.","start":874.385,"end":876.625,"sentiment":"neutral","sentiment_score":0.05303438912544932},{"text":"You would be contributing to the nontaxable portion of your superannuation.","start":876.625,"end":880.22003,"sentiment":"neutral","sentiment_score":0.0961429870433428},{"text":"If you got any income coming in, you can sort of look to claim that as a concessional and convert that to get the tax rebate then as well if you do start full time employment as well, and you don't think you're gonna get any of the the funds for that.","start":880.84,"end":894.045,"sentiment":"neutral","sentiment_score":0.16845388466922137},{"text":"But in the meantime, it'll help boost your super.","start":894.76495,"end":896.52496,"sentiment":"positive","sentiment_score":0.5675083531273736}],"sentiment":"neutral","sentiment_score":0.18008843878464353,"channel":0,"num_words":93,"start":871.425,"end":896.52496},{"sentences":[{"text":"We can give you your account details for that, and you'll be able to contribute as you sort of wish over that time frame.","start":896.52496,"end":903.805,"sentiment":"positive","sentiment_score":0.45730629314978916},{"text":"But it's important to note, like, when the the financial year is up and to hit that that thousand dollars, if that makes sense.","start":903.805,"end":909.48,"sentiment":"neutral","sentiment_score":0.07005582936108112}],"sentiment":"neutral","sentiment_score":0.26368106125543517,"channel":0,"num_words":48,"start":896.52496,"end":909.48},{"sentences":[{"text":"Yes.","start":909.765,"end":910.085,"sentiment":"neutral","sentiment_score":0.20734232664108276},{"text":"Yep.","start":910.085,"end":910.585,"sentiment":"neutral","sentiment_score":0.2894396185874939}],"sentiment":"neutral","sentiment_score":0.24839097261428833,"channel":1,"num_words":2,"start":909.765,"end":910.585},{"sentences":[{"text":"Perfect.","start":912.12,"end":912.51996,"sentiment":"positive","sentiment_score":0.5712258815765381},{"text":"Do you have any questions in regards to that at all?","start":912.51996,"end":914.62,"sentiment":"neutral","sentiment_score":0.2315444052219391}],"sentiment":"neutral","sentiment_score":0.25985119491815567,"channel":0,"num_words":12,"start":912.12,"end":914.62},{"sentences":[{"text":"No.","start":914.72504,"end":914.965,"sentiment":"neutral","sentiment_score":-0.11042778193950652},{"text":"No.","start":914.965,"end":915.205,"sentiment":"neutral","sentiment_score":-0.10102596879005432},{"text":"No.","start":915.205,"end":915.445,"sentiment":"neutral","sentiment_score":-0.11947688460350037},{"text":"All good.","start":915.445,"end":916.105,"sentiment":"neutral","sentiment_score":0.016191530972719193}],"sentiment":"neutral","sentiment_score":-0.05970951467752457,"channel":1,"num_words":5,"start":914.72504,"end":916.105},{"sentences":[{"text":"Yep.","start":916.92,"end":917.42,"sentiment":"neutral","sentiment_score":0.18095481395721436},{"text":"Perfect.","start":917.56,"end":918.06,"sentiment":"positive","sentiment_score":0.41815006732940674},{"text":"So, yeah, once you get to, you know, the June 30 there or, like, you know, first slide, June 30, that's, like, where you cut off for that to make those contributions.","start":918.44,"end":928.495,"sentiment":"neutral","sentiment_score":0.07039024645928293},{"text":"And just confirming to then through your previous employment before you were made redundant, you sort of in the financial year, you wouldn't be over that that limit there?","start":928.955,"end":937.68,"sentiment":"neutral","sentiment_score":0.0060569638835972755}],"sentiment":"neutral","sentiment_score":0.04805150350171422,"channel":0,"num_words":63,"start":916.92,"end":937.68},{"sentences":[{"text":"No.","start":938.475,"end":938.63495,"sentiment":"neutral","sentiment_score":-0.14790737628936768},{"text":"No.","start":938.63495,"end":939.13495,"sentiment":"neutral","sentiment_score":-0.074198417365551}],"sentiment":"neutral","sentiment_score":-0.11105289682745934,"channel":1,"num_words":2,"start":938.475,"end":939.13495},{"sentences":[{"text":"Yep.","start":939.83997,"end":940.16,"sentiment":"neutral","sentiment_score":0.03965608403086662},{"text":"Okay.","start":940.16,"end":940.56,"sentiment":"neutral","sentiment_score":0.19698086380958557},{"text":"Perfect.","start":940.56,"end":941.06,"sentiment":"positive","sentiment_score":0.4039820730686188},{"text":"Yeah.","start":941.52,"end":941.76,"sentiment":"neutral","sentiment_score":0.2574673295021057},{"text":"So from that, you should be eligible for that that $500 co contribution if you do make that thousand dollars.","start":941.76,"end":947.38,"sentiment":"neutral","sentiment_score":0.20217167623341084}],"sentiment":"neutral","sentiment_score":0.2058966614616414,"channel":0,"num_words":24,"start":939.83997,"end":947.38},{"sentences":[{"text":"If you do contribute a bit less, it'll be less.","start":947.52,"end":949.36,"sentiment":"neutral","sentiment_score":0.0703704658895731},{"text":"And then if you always start earning an income, they'll proportionate down until you're sort of not eligible for any payment there as well.","start":949.36,"end":955.71497,"sentiment":"neutral","sentiment_score":0.10022254815946023},{"text":"But it's not a bad thing.","start":955.71497,"end":956.595,"sentiment":"positive","sentiment_score":0.37044694026311237},{"text":"You still get money going into your super.","start":956.595,"end":957.955,"sentiment":"positive","sentiment_score":0.5574903413653374},{"text":"You just might not get that co contribution, which is what you wanna do anyway, but a bit of free money never hurt to grow on your super as well.","start":957.955,"end":964.29,"sentiment":"positive","sentiment_score":0.41797736088434856}],"sentiment":"neutral","sentiment_score":0.2862945001763411,"channel":0,"num_words":78,"start":947.52,"end":964.29},{"sentences":[{"text":"Not a problem.","start":964.875,"end":965.77496,"sentiment":"positive","sentiment_score":0.3382975260416667}],"sentiment":"positive","sentiment_score":0.3382975260416667,"channel":1,"num_words":3,"start":964.875,"end":965.77496},{"sentences":[{"text":"Perfect.","start":966.29,"end":966.79,"sentiment":"positive","sentiment_score":0.4973819851875305},{"text":"Now with that as well, there are obviously risks that, you know, once you put in the superannuation, you can't get it back given that you aren't working.","start":967.73,"end":973.88995,"sentiment":"neutral","sentiment_score":-0.10982403212359973},{"text":"It's something to be mindful of, but given you do quite amount of savings as well, it does obviously help contribute to the balance.","start":973.88995,"end":979.54504,"sentiment":"neutral","sentiment_score":0.23298671934753656},{"text":"As far as the beneficiary nominations, we're recommending that you nominate a legal person representative once you get a will enforce with that one because you want to leave things to, you know, like brothers, you know, mother, if sort of worst case things like that as well, it sorta helps that they don't make a valid nomination with c CSAC for superannuation at the moment.","start":980.16504,"end":998.52997,"sentiment":"neutral","sentiment_score":0.06836706811957287},{"text":"So once your will is in place, you can leave your estate to the will, and it can be distributed per your wishes that way.","start":998.82996,"end":1003.87,"sentiment":"neutral","sentiment_score":0.3301428115367889}],"sentiment":"neutral","sentiment_score":0.1095818550998552,"channel":0,"num_words":144,"start":966.29,"end":1003.87},{"sentences":[{"text":"It's important to sort of note that when it goes to the will, it's taxed differently.","start":1003.87,"end":1007.455,"sentiment":"neutral","sentiment_score":-0.0168758996296674},{"text":"You don't pay the Medicare levy, but then also it does open your superannuation up to claims should, you know, family start fighting over the money and who gets what.","start":1007.455,"end":1016.34,"sentiment":"neutral","sentiment_score":-0.15139958932995795},{"text":"And it can","start":1016.82,"end":1017.22003,"sentiment":"neutral","sentiment_score":-0.02253892521063487}],"sentiment":"neutral","sentiment_score":-0.09958405815521065,"channel":0,"num_words":49,"start":1003.87,"end":1017.22003},{"sentences":[{"text":"Yes.","start":1016.99,"end":1017.31,"sentiment":"neutral","sentiment_score":-0.01316414400935173}],"sentiment":"neutral","sentiment_score":-0.01316414400935173,"channel":1,"num_words":1,"start":1016.99,"end":1017.31},{"sentences":[{"text":"sort","start":1017.22003,"end":1017.38,"sentiment":"neutral","sentiment_score":-0.06121564283967018}],"sentiment":"neutral","sentiment_score":-0.06121564283967018,"channel":0,"num_words":1,"start":1017.22003,"end":1017.38},{"sentences":[{"text":"Yes.","start":1017.31,"end":1017.81,"sentiment":"neutral","sentiment_score":-0.0961478278040886}],"sentiment":"neutral","sentiment_score":-0.0961478278040886,"channel":1,"num_words":1,"start":1017.31,"end":1017.81},{"sentences":[{"text":"of get eaten away at legal fees, that is sort of a risk of that.","start":1017.38,"end":1019.86005,"sentiment":"negative","sentiment_score":-0.5077797174453735},{"text":"But given you don't have anyone that sort of makes a valid nomination currently apart from what your mother being dependent on you caring for at the moment, you know, if something were to happen to your your mother, you'd have to change it anyway.","start":1019.86005,"end":1030.1,"sentiment":"neutral","sentiment_score":-0.27444364892111883},{"text":"So if you write it all at all, it's all built to cover for those contingencies.","start":1030.1,"end":1032.915,"sentiment":"neutral","sentiment_score":-0.027773765265010297},{"text":"It just means","start":1033.855,"end":1034.5751,"sentiment":"neutral","sentiment_score":0.08054600656032562}],"sentiment":"neutral","sentiment_score":-0.2553088884517739,"channel":0,"num_words":79,"start":1017.38,"end":1034.5751},{"sentences":[{"text":"Yes.","start":1034.495,"end":1034.995,"sentiment":"neutral","sentiment_score":0.1466865837574005}],"sentiment":"neutral","sentiment_score":0.1466865837574005,"channel":1,"num_words":1,"start":1034.495,"end":1034.995},{"sentences":[{"text":"that, you know, everything distributed per your wishes over a longer period of time.","start":1034.5751,"end":1039.155,"sentiment":"neutral","sentiment_score":0.1961857463632311},{"text":"So do you have any questions in regards to that at all?","start":1040.735,"end":1043.155,"sentiment":"neutral","sentiment_score":0.05519973486661911}],"sentiment":"neutral","sentiment_score":0.13111527951864096,"channel":0,"num_words":26,"start":1034.5751,"end":1043.155},{"sentences":[{"text":"No.","start":1043.3301,"end":1043.49,"sentiment":"neutral","sentiment_score":-0.19307219982147217},{"text":"No.","start":1043.49,"end":1043.99,"sentiment":"neutral","sentiment_score":-0.1380089521408081}],"sentiment":"neutral","sentiment_score":-0.16554057598114014,"channel":1,"num_words":2,"start":1043.3301,"end":1043.99},{"sentences":[{"text":"Certainly.","start":1044.75,"end":1045.25,"sentiment":"neutral","sentiment_score":-0.08727323263883591},{"text":"Obviously, we recommend you establish a will and a power of attorney in conjunction with that as well.","start":1045.39,"end":1048.99,"sentiment":"neutral","sentiment_score":0.04498675144794914},{"text":"I won't dwell on those sections too much.","start":1048.99,"end":1050.51,"sentiment":"neutral","sentiment_score":-0.10323119256645441},{"text":"Feel free to read through that.","start":1050.51,"end":1051.79,"sentiment":"neutral","sentiment_score":0.03418840654194355},{"text":"We obviously can't provide a will service in drawing up a will.","start":1051.79,"end":1054.1901,"sentiment":"neutral","sentiment_score":-0.0973668737957875}],"sentiment":"neutral","sentiment_score":-0.02370296207567056,"channel":0,"num_words":45,"start":1044.75,"end":1054.1901},{"sentences":[{"text":"We can have a conversation on how you might wanna structure a little bit.","start":1054.1901,"end":1056.5901,"sentiment":"neutral","sentiment_score":0.03698759951761791},{"text":"But given that, you know, you've got the the car and the savings, you know, have a huge amount of other, you know, property","start":1056.5901,"end":1062.0549,"sentiment":"neutral","sentiment_score":-0.09079791372641921}],"sentiment":"neutral","sentiment_score":-0.043719040425984484,"channel":0,"num_words":38,"start":1054.1901,"end":1062.0549},{"sentences":[{"text":"No.","start":1061.8151,"end":1062.135,"sentiment":"neutral","sentiment_score":-0.19491305947303772}],"sentiment":"neutral","sentiment_score":-0.19491305947303772,"channel":1,"num_words":1,"start":1061.8151,"end":1062.135},{"sentences":[{"text":"thing","start":1062.0549,"end":1062.215,"sentiment":"neutral","sentiment_score":-0.1558958739042282}],"sentiment":"neutral","sentiment_score":-0.1558958739042282,"channel":0,"num_words":1,"start":1062.0549,"end":1062.215},{"sentences":[{"text":"No.","start":1062.135,"end":1062.375,"sentiment":"neutral","sentiment_score":-0.32536646723747253}],"sentiment":"neutral","sentiment_score":-0.32536646723747253,"channel":1,"num_words":1,"start":1062.135,"end":1062.375},{"sentences":[{"text":"like","start":1062.215,"end":1062.375,"sentiment":"negative","sentiment_score":-0.3358091115951538}],"sentiment":"negative","sentiment_score":-0.3358091115951538,"channel":0,"num_words":1,"start":1062.215,"end":1062.375},{"sentences":[{"text":"No.","start":1062.375,"end":1062.875,"sentiment":"negative","sentiment_score":-0.38439881801605225}],"sentiment":"negative","sentiment_score":-0.38439881801605225,"channel":1,"num_words":1,"start":1062.375,"end":1062.875},{"sentences":[{"text":"that, and that might make","start":1062.375,"end":1063.1749,"sentiment":"neutral","sentiment_score":-0.28786401748657225}],"sentiment":"neutral","sentiment_score":-0.28786401748657225,"channel":0,"num_words":5,"start":1062.375,"end":1063.1749},{"sentences":[{"text":"No.","start":1063.015,"end":1063.095,"sentiment":"neutral","sentiment_score":-0.28077757358551025},{"text":"No.","start":1063.095,"end":1063.255,"sentiment":"neutral","sentiment_score":-0.20974349975585935}],"sentiment":"neutral","sentiment_score":-0.24526053667068481,"channel":1,"num_words":2,"start":1063.015,"end":1063.255},{"sentences":[{"text":"it","start":1063.1749,"end":1063.335,"sentiment":"neutral","sentiment_score":-0.15198498964309692}],"sentiment":"neutral","sentiment_score":-0.15198498964309692,"channel":0,"num_words":1,"start":1063.1749,"end":1063.335},{"sentences":[{"text":"Nothing","start":1063.255,"end":1063.755,"sentiment":"neutral","sentiment_score":-0.07899035513401031}],"sentiment":"neutral","sentiment_score":-0.07899035513401031,"channel":1,"num_words":1,"start":1063.255,"end":1063.755},{"sentences":[{"text":"difficult.","start":1063.335,"end":1063.835,"sentiment":"neutral","sentiment_score":-0.07940872758626938}],"sentiment":"neutral","sentiment_score":-0.07940872758626938,"channel":0,"num_words":1,"start":1063.335,"end":1063.835},{"sentences":[{"text":"else.","start":1063.8151,"end":1064.3151,"sentiment":"neutral","sentiment_score":0.033345386385917664}],"sentiment":"neutral","sentiment_score":0.033345386385917664,"channel":1,"num_words":1,"start":1063.8151,"end":1064.3151},{"sentences":[{"text":"Yeah.","start":1064.5349,"end":1064.7749,"sentiment":"neutral","sentiment_score":0.22578895092010495},{"text":"So it should make it quite a simple process in regards to setting up that will.","start":1064.7749,"end":1067.815,"sentiment":"positive","sentiment_score":0.37407484045252204},{"text":"We can refer you to a local solicitor and their pricing if you ever wanted it.","start":1067.815,"end":1071.06,"sentiment":"neutral","sentiment_score":0.20652242843061686},{"text":"But, also, if you find someone local that you're happy with, that's more than fine as well.","start":1071.54,"end":1075.0,"sentiment":"positive","sentiment_score":0.4588312392725664},{"text":"As far as the remuneration fee, it is 1.65%, which is that $3,529 per year's worth of premiums with growth based on that percentage fee.","start":1075.3,"end":1083.915,"sentiment":"neutral","sentiment_score":0.07195452705025673}],"sentiment":"neutral","sentiment_score":0.254857859959205,"channel":0,"num_words":75,"start":1064.5349,"end":1083.915},{"sentences":[{"text":"As I said, that can fluctuate with the market, so it goes up and down with the with that on a monthly basis.","start":1083.915,"end":1089.4551,"sentiment":"neutral","sentiment_score":0.02783456185589666},{"text":"But that's just the estimated fee based on the recommendation that was made.","start":1089.995,"end":1093.4551,"sentiment":"neutral","sentiment_score":0.0949867617052335},{"text":"From there, obviously, you know, you do still have your annual review that we'll we'll touch on those as well, any concerns you may have.","start":1094.795,"end":1102.4401,"sentiment":"neutral","sentiment_score":0.1253099538385868},{"text":"But that is a really brief run through of the advice there.","start":1102.82,"end":1106.42,"sentiment":"neutral","sentiment_score":0.14213057234883308},{"text":"Now if you have any questions regarding that, the investment","start":1106.42,"end":1108.74,"sentiment":"neutral","sentiment_score":0.028738293424248697}],"sentiment":"neutral","sentiment_score":0.08434604184634714,"channel":0,"num_words":83,"start":1083.915,"end":1108.74},{"sentences":[{"text":"No.","start":1108.6649,"end":1108.9049,"sentiment":"neutral","sentiment_score":-0.03221810609102249}],"sentiment":"neutral","sentiment_score":-0.03221810609102249,"channel":1,"num_words":1,"start":1108.6649,"end":1108.9049},{"sentences":[{"text":"recommendation","start":1108.74,"end":1109.24,"sentiment":"neutral","sentiment_score":-0.021744832396507263}],"sentiment":"neutral","sentiment_score":-0.021744832396507263,"channel":0,"num_words":1,"start":1108.74,"end":1109.24},{"sentences":[{"text":"No.","start":1108.9049,"end":1109.065,"sentiment":"neutral","sentiment_score":-0.08174420893192291},{"text":"No.","start":1109.065,"end":1109.3849,"sentiment":"neutral","sentiment_score":-0.1224975362420082},{"text":"All","start":1109.3849,"end":1109.625,"sentiment":"neutral","sentiment_score":0.053918153047561646}],"sentiment":"neutral","sentiment_score":-0.05010786404212316,"channel":1,"num_words":3,"start":1108.9049,"end":1109.625},{"sentences":[{"text":"or","start":1109.46,"end":1109.62,"sentiment":"neutral","sentiment_score":0.09704113006591795}],"sentiment":"neutral","sentiment_score":0.09704113006591795,"channel":0,"num_words":1,"start":1109.46,"end":1109.62},{"sentences":[{"text":"good.","start":1109.625,"end":1110.0249,"sentiment":"neutral","sentiment_score":0.2371945083141327},{"text":"All good.","start":1110.0249,"end":1110.845,"sentiment":"positive","sentiment_score":0.5014482736587524}],"sentiment":"positive","sentiment_score":0.41336368521054584,"channel":1,"num_words":3,"start":1109.625,"end":1110.845},{"sentences":[{"text":"not a problem.","start":1111.635,"end":1112.375,"sentiment":"positive","sentiment_score":0.41012243429819745},{"text":"Once you were to sign that document, they can start the implementation of that.","start":1112.435,"end":1115.5751,"sentiment":"neutral","sentiment_score":0.29428802856377195},{"text":"I can make a note of here to to send you your contribution details.","start":1115.875,"end":1118.675,"sentiment":"neutral","sentiment_score":0.29239609837532043},{"text":"So just so you have that for when you run it start doing that.","start":1118.675,"end":1121.0751,"sentiment":"neutral","sentiment_score":0.2339038848876953},{"text":"If that's something you wanted to do, even if you don't proceed with the advice, if you started one of putting some money into super, that's more than fine.","start":1121.0751,"end":1127.13,"sentiment":"neutral","sentiment_score":0.23977092396596383}],"sentiment":"neutral","sentiment_score":0.26583724680381854,"channel":0,"num_words":74,"start":1111.635,"end":1127.13},{"sentences":[{"text":"When you get to the end of the financial year, feel free to give us a call if you do start doing that, but don't take on the advice just so we can look at options if you wanna claim notice of intent, things like that.","start":1127.19,"end":1135.27,"sentiment":"neutral","sentiment_score":0.0738880509591621},{"text":"But given you aren't","start":1135.27,"end":1135.99,"sentiment":"neutral","sentiment_score":-0.0061086490750312805}],"sentiment":"neutral","sentiment_score":0.06748831495642663,"channel":0,"num_words":50,"start":1127.19,"end":1135.99},{"sentences":[{"text":"No","start":1135.895,"end":1136.135,"sentiment":"neutral","sentiment_score":-0.1178395301103592}],"sentiment":"neutral","sentiment_score":-0.1178395301103592,"channel":1,"num_words":1,"start":1135.895,"end":1136.135},{"sentences":[{"text":"working,","start":1135.99,"end":1136.49,"sentiment":"neutral","sentiment_score":-0.06718041002750397}],"sentiment":"neutral","sentiment_score":-0.06718041002750397,"channel":0,"num_words":1,"start":1135.99,"end":1136.49},{"sentences":[{"text":"worries.","start":1136.135,"end":1136.635,"sentiment":"neutral","sentiment_score":-0.03949212655425072}],"sentiment":"neutral","sentiment_score":-0.03949212655425072,"channel":1,"num_words":1,"start":1136.135,"end":1136.635},{"sentences":[{"text":"it doesn't make a huge difference whether you claim it or not.","start":1136.55,"end":1139.11,"sentiment":"neutral","sentiment_score":-0.009016813322280845},{"text":"It doesn't give you that tax benefit really","start":1139.11,"end":1141.155,"sentiment":"neutral","sentiment_score":-0.05690739490091801}],"sentiment":"neutral","sentiment_score":-0.02817304595373571,"channel":0,"num_words":20,"start":1136.55,"end":1141.155},{"sentences":[{"text":"Yeah.","start":1141.5199,"end":1141.76,"sentiment":"neutral","sentiment_score":0.017871813848614693}],"sentiment":"neutral","sentiment_score":0.017871813848614693,"channel":1,"num_words":1,"start":1141.5199,"end":1141.76},{"sentences":[{"text":"in","start":1141.635,"end":1141.875,"sentiment":"neutral","sentiment_score":0.00797779019922018}],"sentiment":"neutral","sentiment_score":0.00797779019922018,"channel":0,"num_words":1,"start":1141.635,"end":1141.875},{"sentences":[{"text":"Yeah.","start":1141.76,"end":1141.9199,"sentiment":"neutral","sentiment_score":0.037783537060022354}],"sentiment":"neutral","sentiment_score":0.037783537060022354,"channel":1,"num_words":1,"start":1141.76,"end":1141.9199},{"sentences":[{"text":"regards","start":1141.875,"end":1142.275,"sentiment":"neutral","sentiment_score":0.033472880721092224}],"sentiment":"neutral","sentiment_score":0.033472880721092224,"channel":0,"num_words":1,"start":1141.875,"end":1142.275},{"sentences":[{"text":"Yeah.","start":1141.9199,"end":1142.1599,"sentiment":"neutral","sentiment_score":0.06725780665874481},{"text":"No.","start":1142.1599,"end":1142.3999,"sentiment":"neutral","sentiment_score":0.03060053661465645}],"sentiment":"neutral","sentiment_score":0.04892917163670063,"channel":1,"num_words":2,"start":1141.9199,"end":1142.3999},{"sentences":[{"text":"to","start":1142.275,"end":1142.435,"sentiment":"neutral","sentiment_score":0.03878024220466614}],"sentiment":"neutral","sentiment_score":0.03878024220466614,"channel":0,"num_words":1,"start":1142.275,"end":1142.435},{"sentences":[{"text":"It's","start":1142.3999,"end":1142.5599,"sentiment":"neutral","sentiment_score":0.17938527464866638}],"sentiment":"neutral","sentiment_score":0.17938527464866638,"channel":1,"num_words":1,"start":1142.3999,"end":1142.5599},{"sentences":[{"text":"money","start":1142.435,"end":1142.755,"sentiment":"neutral","sentiment_score":0.3043102025985718}],"sentiment":"neutral","sentiment_score":0.3043102025985718,"channel":0,"num_words":1,"start":1142.435,"end":1142.755},{"sentences":[{"text":"all","start":1142.5599,"end":1142.7999,"sentiment":"neutral","sentiment_score":0.3243417739868164}],"sentiment":"neutral","sentiment_score":0.3243417739868164,"channel":1,"num_words":1,"start":1142.5599,"end":1142.7999},{"sentences":[{"text":"back.","start":1142.755,"end":1143.255,"sentiment":"neutral","sentiment_score":0.25629064440727234}],"sentiment":"neutral","sentiment_score":0.25629064440727234,"channel":0,"num_words":1,"start":1142.755,"end":1143.255},{"sentences":[{"text":"good.","start":1142.7999,"end":1143.2999,"sentiment":"positive","sentiment_score":0.5773873329162598}],"sentiment":"positive","sentiment_score":0.5773873329162598,"channel":1,"num_words":1,"start":1142.7999,"end":1143.2999},{"sentences":[{"text":"Perfect.","start":1144.035,"end":1144.535,"sentiment":"positive","sentiment_score":0.6428716778755188},{"text":"But any questions, concerns for me now?","start":1145.395,"end":1147.155,"sentiment":"neutral","sentiment_score":0.05767685707126345},{"text":"Obviously, it's a very quick run through, but anything else that you want to touch on while you've got me there?","start":1147.155,"end":1151.895,"sentiment":"neutral","sentiment_score":0.08158282882400922}],"sentiment":"neutral","sentiment_score":0.09516720974753642,"channel":0,"num_words":29,"start":1144.035,"end":1151.895},{"sentences":[{"text":"No.","start":1152.325,"end":1152.485,"sentiment":"neutral","sentiment_score":-0.14243046939373016},{"text":"No.","start":1152.485,"end":1152.725,"sentiment":"neutral","sentiment_score":-0.16852636635303497},{"text":"No.","start":1152.725,"end":1152.965,"sentiment":"neutral","sentiment_score":-0.12542036175727844},{"text":"All good.","start":1152.965,"end":1153.365,"sentiment":"neutral","sentiment_score":0.26453062146902084},{"text":"All good.","start":1153.365,"end":1153.9249,"sentiment":"positive","sentiment_score":0.4601244628429413}],"sentiment":"neutral","sentiment_score":0.14470471015998296,"channel":1,"num_words":7,"start":1152.325,"end":1153.9249},{"sentences":[{"text":"I'll just have a look at it when I when I got time.","start":1153.9249,"end":1156.245,"sentiment":"neutral","sentiment_score":0.19021193453898796},{"text":"I'll read everything and sign it and everything.","start":1156.245,"end":1158.745,"sentiment":"neutral","sentiment_score":0.26852041110396385}],"sentiment":"neutral","sentiment_score":0.22004373513516925,"channel":1,"num_words":21,"start":1153.9249,"end":1158.745},{"sentences":[{"text":"Not a problem at all, Nave.","start":1159.49,"end":1160.6901,"sentiment":"positive","sentiment_score":0.4604586064815521},{"text":"Well, you enjoy the rest of your day.","start":1160.6901,"end":1162.53,"sentiment":"positive","sentiment_score":0.7947336807847023},{"text":"Thanks for your time.","start":1162.53,"end":1163.81,"sentiment":"positive","sentiment_score":0.7863658964633942},{"text":"And any questions,","start":1163.81,"end":1164.61,"sentiment":"neutral","sentiment_score":0.17554365595181784}],"sentiment":"positive","sentiment_score":0.6091769351845696,"channel":0,"num_words":21,"start":1159.49,"end":1164.61},{"sentences":[{"text":"Not a","start":1164.325,"end":1164.645,"sentiment":"neutral","sentiment_score":0.08186030015349388}],"sentiment":"neutral","sentiment_score":0.08186030015349388,"channel":1,"num_words":2,"start":1164.325,"end":1164.645},{"sentences":[{"text":"I'll","start":1164.61,"end":1164.8501,"sentiment":"neutral","sentiment_score":0.07681269198656082}],"sentiment":"neutral","sentiment_score":0.07681269198656082,"channel":0,"num_words":1,"start":1164.61,"end":1164.8501},{"sentences":[{"text":"problem.","start":1164.645,"end":1165.145,"sentiment":"neutral","sentiment_score":0.06937418133020401}],"sentiment":"neutral","sentiment_score":0.06937418133020401,"channel":1,"num_words":1,"start":1164.645,"end":1165.145},{"sentences":[{"text":"shoot you through an email, and you can just respond to that with any questions you might have in regards","start":1164.8501,"end":1169.035,"sentiment":"neutral","sentiment_score":0.13517866879701615}],"sentiment":"neutral","sentiment_score":0.13517866879701615,"channel":0,"num_words":20,"start":1164.8501,"end":1169.035},{"sentences":[{"text":"No","start":1168.88,"end":1169.2001,"sentiment":"neutral","sentiment_score":0.008454054594039917}],"sentiment":"neutral","sentiment_score":0.008454054594039917,"channel":1,"num_words":1,"start":1168.88,"end":1169.2001},{"sentences":[{"text":"to that","start":1169.035,"end":1169.355,"sentiment":"neutral","sentiment_score":-0.03372809290885925}],"sentiment":"neutral","sentiment_score":-0.03372809290885925,"channel":0,"num_words":2,"start":1169.035,"end":1169.355},{"sentences":[{"text":"worries.","start":1169.2001,"end":1169.7001,"sentiment":"neutral","sentiment_score":0.018124263733625412}],"sentiment":"neutral","sentiment_score":0.018124263733625412,"channel":1,"num_words":1,"start":1169.2001,"end":1169.7001},{"sentences":[{"text":"document.","start":1169.355,"end":1169.855,"sentiment":"neutral","sentiment_score":0.1249457374215126}],"sentiment":"neutral","sentiment_score":0.1249457374215126,"channel":0,"num_words":1,"start":1169.355,"end":1169.855},{"sentences":[{"text":"Thank","start":1170.4801,"end":1170.8,"sentiment":"positive","sentiment_score":0.6148660182952881}],"sentiment":"positive","sentiment_score":0.6148660182952881,"channel":1,"num_words":1,"start":1170.4801,"end":1170.8},{"sentences":[{"text":"So easy,","start":1170.555,"end":1171.035,"sentiment":"positive","sentiment_score":0.672339528799057}],"sentiment":"positive","sentiment_score":0.672339528799057,"channel":0,"num_words":2,"start":1170.555,"end":1171.035},{"sentences":[{"text":"you.","start":1170.8,"end":1171.3,"sentiment":"positive","sentiment_score":0.5997929573059082}],"sentiment":"positive","sentiment_score":0.5997929573059082,"channel":1,"num_words":1,"start":1170.8,"end":1171.3},{"sentences":[{"text":"mate.","start":1171.035,"end":1171.195,"sentiment":"positive","sentiment_score":0.385014533996582},{"text":"Well, enjoy the rest of your day.","start":1171.195,"end":1172.555,"sentiment":"positive","sentiment_score":0.6253158450126648},{"text":"Good luck with you, Imam.","start":1172.555,"end":1173.595,"sentiment":"positive","sentiment_score":0.6510357856750488},{"text":"Hopefully, everything goes","start":1173.595,"end":1174.635,"sentiment":"positive","sentiment_score":0.4319899380207062}],"sentiment":"positive","sentiment_score":0.5820858869701624,"channel":0,"num_words":16,"start":1171.035,"end":1174.635},{"sentences":[{"text":"No","start":1174.56,"end":1174.8,"sentiment":"neutral","sentiment_score":0.07317015528678894}],"sentiment":"neutral","sentiment_score":0.07317015528678894,"channel":1,"num_words":1,"start":1174.56,"end":1174.8},{"sentences":[{"text":"well.","start":1174.635,"end":1175.135,"sentiment":"neutral","sentiment_score":0.10382089018821716}],"sentiment":"neutral","sentiment_score":0.10382089018821716,"channel":0,"num_words":1,"start":1174.635,"end":1175.135},{"sentences":[{"text":"worries.","start":1174.8,"end":1175.12,"sentiment":"neutral","sentiment_score":0.02862548828125},{"text":"Thank you.","start":1175.12,"end":1175.6001,"sentiment":"positive","sentiment_score":0.4708733409643173},{"text":"Bye.","start":1175.6001,"end":1176.1001,"sentiment":"neutral","sentiment_score":0.3006850481033325}],"sentiment":"neutral","sentiment_score":0.3177643045783043,"channel":1,"num_words":4,"start":1174.8,"end":1176.1001},{"sentences":[{"text":"Thanks, mate.","start":1176.155,"end":1176.715,"sentiment":"positive","sentiment_score":0.6416829228401184},{"text":"Bye.","start":1176.715,"end":1177.215,"sentiment":"neutral","sentiment_score":-0.12154532223939896}],"sentiment":"positive","sentiment_score":0.38727350781361264,"channel":0,"num_words":3,"start":1176.155,"end":1177.215}]},"summary":{"result":"success","short":"Representatives from HP Financial call Nate to discuss his employment and payroll, as well as the potential impact of carers on his income. They recommend low set-up of wheels and low set-up of wheels to reduce risk, and emphasize the importance of caring for one's mother. The retirement strategy is discussed, including updating one's portfolio and removing underperforming assets, and emphasizing risk management and long-term returns. The speaker provides information on investment updates and savings from retirement strategies, and suggests nominating a legal representative for beneficiary nominations. The conversation ends with the speaker offering to answer any further questions and wishing the caller a good day."},"intents":{"segments":[{"text":"I've got you scheduled in for your straight statement of last presentation. Is now still a good time for you?","start_word":20,"end_word":39,"intents":[{"intent":"Schedule presentation","confidence_score":0.64004356}]},{"text":"Just to jump into that today, Nave, if I can just pass through security with your name, date of birth, and current address, we can get stuck into that today. Yep.","start_word":103,"end_word":133,"intents":[{"intent":"Pass through security","confidence_score":0.68863636}]},{"text":"And just given the time that has elapsed since we last sort of spoke to Naif, have anything in regards to your employment or anything changed at the moment?","start_word":157,"end_word":185,"intents":[{"intent":"Discuss employment changes","confidence_score":0.046210438}]},{"text":"sort of mentioned all of you spent money much of that, or is that still sitting there? No. I still got some.","start_word":237,"end_word":258,"intents":[{"intent":"Discuss expenditure","confidence_score":0.0007234969}]},{"text":"As far as the advice goes, it is quite straightforward in terms of oh, I think it just didn't send, so I'm just gonna have to resend that. But as far as the Yep.","start_word":688,"end_word":721,"intents":[{"intent":"Resend advice","confidence_score":0.1078185}]},{"text":"As far as the advice goes, it is quite straightforward in terms of oh, I think it just didn't send, so I'm just gonna have to resend that. But as far as the Yep. device itself, it is just an investment update in regards to, like, the obviously, the assets there and then also the contributions because you aren't working and aren't earning much of an income at the moment. Yep.","start_word":688,"end_word":758,"intents":[{"intent":"Resolve investment issue","confidence_score":0.010726452}]},{"text":"device itself, it is just an investment update in regards to, like, the obviously, the assets there and then also the contributions because you aren't working and aren't earning much of an income at the moment. Yep. Yeah.","start_word":721,"end_word":758,"intents":[{"intent":"Provide update","confidence_score":0.00014492782}]},{"text":"If I can contribute myself, and you said give it six months.","start_word":846,"end_word":857,"intents":[{"intent":"Discuss contributing options","confidence_score":0.018381864}]},{"text":"Just, like, if you give me, like, where where I need to put in or what, and then, you know, whenever I've got, like, if, you know, every week or every second week, if I can, you know, if I can put just something in there and, you know, if it helps, it's not gonna do any harm. Exactly.","start_word":955,"end_word":1013,"intents":[{"intent":"Provide information for management","confidence_score":0.0000048449965}]},{"text":"earning income and then what you get for that as well.","start_word":1044,"end_word":1054,"intents":[{"intent":"Provide income","confidence_score":0.045657568}]},{"text":"So at the moment, we just looked at reviewing the superannuation, make sure that your investments were adequate for your current situation.","start_word":1150,"end_word":1171,"intents":[{"intent":"Review superannuation","confidence_score":0.52617115},{"intent":"Review investments","confidence_score":0.26979628}]},{"text":"We did also include that the contributions and what was sort of recommended in regards to that given that you aren't currently working there at the moment.","start_word":1270,"end_word":1296,"intents":[{"intent":"Include contributions","confidence_score":0.078227416}]},{"text":"As far as the budgeting on the money you do have, you're happy managing that yourself.","start_word":1371,"end_word":1386,"intents":[{"intent":"Manage money","confidence_score":0.3884293}]},{"text":"We can send you the OQ budget planner if you did wanna, you know, have that just for your own per purposes for, you know, budgeting for bills and expenses and things like that as well. No.","start_word":1387,"end_word":1423,"intents":[{"intent":"Send budget planner","confidence_score":0.85981756}]},{"text":"As far as the recommendation to you, we are recommending just staying with Netwealth, change those underlying investments.","start_word":1477,"end_word":1494,"intents":[{"intent":"Recommend staying with netwealth","confidence_score":0.65252364}]},{"text":"Are you happy for me to just run through the recommendation and you review the Yeah. documents Yeah.","start_word":1589,"end_word":1606,"intents":[{"intent":"Review documents","confidence_score":0.04898224},{"intent":"Review portfolios","confidence_score":0.026230253}]},{"text":"Can you at least see that the emails popped up in regards to it to come through just to make sure you Yeah. have received it?","start_word":1635,"end_word":1660,"intents":[{"intent":"Check email receipt","confidence_score":0.00043206097},{"intent":"Check status of statements","confidence_score":0.000012155538},{"intent":"Confirm receipt of recommendations","confidence_score":0.001559537}]},{"text":"So you will have that statement advice. You can review on the attachments. And if you were happy with everything, you can click the link to sign.","start_word":1666,"end_word":1692,"intents":[{"intent":"Review attachments","confidence_score":0.72072196},{"intent":"Review attachments","confidence_score":0.5037566}]},{"text":"So on page eight, you'll have your assets or, like, your current situation there. On the next page, I'll be over assets liabilities. In regards to your risk profile, you did score growth, but we're keeping you in line with the high growth. Even though that you aren't working currently, you still wanna aim for those, you know, longer, higher returns over the the long Yep.","start_word":1712,"end_word":1777,"intents":[{"intent":"Discuss asset performance","confidence_score":0.000026355445}]},{"text":"In regards to your risk profile, you did score growth, but we're keeping you in line with the high growth. Even though that you aren't working currently, you still wanna aim for those, you know, longer, higher returns over the the long Yep.","start_word":1735,"end_word":1777,"intents":[{"intent":"Discuss risk profile","confidence_score":0.14363928}]},{"text":"Even though that you aren't working currently, you still wanna aim for those, you know, longer, higher returns over the the long Yep.","start_word":1755,"end_word":1777,"intents":[{"intent":"Discuss higher returns","confidence_score":0.16121997}]},{"text":"As far as the recommendation, it being in your best interest there, we are looking at the investment update for yourself. So within regards to that one, the Bennelong Fund wasn't performing for that one. So we're looking at removing that, updating that portfolio there to make sure that it's in your best interest moving forward, removing the underperforming asset, not having the active management moving forward.","start_word":1831,"end_word":1897,"intents":[{"intent":"Update portfolio","confidence_score":0.25317755}]},{"text":"So we're looking at removing that, updating that portfolio there to make sure that it's in your best interest moving forward, removing the underperforming asset, not having the active management moving forward.","start_word":1866,"end_word":1897,"intents":[{"intent":"Remove underperforming asset","confidence_score":0.48144057}]},{"text":"It does reduce a a level of risk there as well.","start_word":1953,"end_word":1963,"intents":[{"intent":"Reduce risk","confidence_score":0.67635614}]},{"text":"You'll still have access to all of both of your services there as well, and you'll be in in a portfolio that is in line with your your current risk tolerance.","start_word":2058,"end_word":2088,"intents":[{"intent":"Access services","confidence_score":0.7477088}]},{"text":"Obviously, been along being that it did go down will offset some of that.","start_word":2144,"end_word":2157,"intents":[{"intent":"Compensate costs","confidence_score":0.0037679838}]},{"text":"The rest of your portfolio will just sort of be adjusted in line with that rebalancing and then just removing all that key asset there.","start_word":2355,"end_word":2379,"intents":[{"intent":"Consolidate portfolio contributions","confidence_score":4.6304712e-7}]},{"text":"As far as the contribution goes there, Niamh, recommend that you do a lump sum contribution of a thousand dollars.","start_word":2658,"end_word":2677,"intents":[{"intent":"Discuss contributions","confidence_score":0.0053660083}]},{"text":"We can give you your account details for that, and you'll be able to contribute as you sort of wish over that time frame.","start_word":2969,"end_word":2992,"intents":[{"intent":"Make contributions","confidence_score":0.009391863}]},{"text":"But it's important to note, like, when the the financial year is up and to hit that that thousand dollars, if that makes sense. Yes. Yep.","start_word":2993,"end_word":3018,"intents":[{"intent":"Calculate financial milestone","confidence_score":0.0000044516773}]},{"text":"You still get money going into your super. You just might not get that co contribution, which is what you wanna do anyway, but a bit of free money never hurt to grow on your super as well. Not a problem.","start_word":3165,"end_word":3205,"intents":[{"intent":"Consider retirement","confidence_score":0.00007265303}]},{"text":"Now with that as well, there are obviously risks that, you know, once you put in the superannuation, you can't get it back given that you aren't working. It's something to be mindful of, but given you do quite amount of savings as well, it does obviously help contribute to the balance.","start_word":3207,"end_word":3258,"intents":[{"intent":"Consider costs","confidence_score":0.0015290282},{"intent":"Assure minimizing costs","confidence_score":1.4160945e-8},{"intent":"Remind about risks","confidence_score":0.011568852}]},{"text":"As far as the beneficiary nominations, we're recommending that you nominate a legal person representative once you get a will enforce with that one because you want to leave things to, you know, like brothers, you know, mother, if sort of worst case things like that as well, it sorta helps that they don't make a valid nomination with c CSAC for superannuation at the moment.","start_word":3260,"end_word":3325,"intents":[{"intent":"Nominate representative","confidence_score":0.028126659}]},{"text":"So once your will is in place, you can leave your estate to the will, and it can be distributed per your wishes that way.","start_word":3325,"end_word":3349,"intents":[{"intent":"Leave estate","confidence_score":0.75477827}]},{"text":"Obviously, we recommend you establish a will and a power of attorney in conjunction with that as well.","start_word":3511,"end_word":3528,"intents":[{"intent":"Confirm will","confidence_score":0.024383185}]},{"text":"We obviously can't provide a will service in drawing up a will.","start_word":3543,"end_word":3554,"intents":[{"intent":"Provide will service","confidence_score":0.03350061}]},{"text":"So it should make it quite a simple process in regards to setting up that will.","start_word":3610,"end_word":3625,"intents":[{"intent":"Structure will","confidence_score":0.42409873}]},{"text":"We can refer you to a local solicitor and their pricing if you ever wanted it.","start_word":3627,"end_word":3642,"intents":[{"intent":"Refer to local solicitor","confidence_score":0.21588619}]},{"text":"As far as the remuneration fee, it is 1.65%, which is that $3,529 per year's worth of premiums with growth based on that percentage fee.","start_word":3659,"end_word":3683,"intents":[{"intent":"Discuss fee","confidence_score":0.5464531}]},{"text":"Now if you have any questions regarding that, the investment No. recommendation No. No.","start_word":3757,"end_word":3770,"intents":[{"intent":"Obtain investment recommendations","confidence_score":0.00035203004}]},{"text":"Once you were to sign that document, they can start the implementation of that.","start_word":3779,"end_word":3792,"intents":[{"intent":"Review document","confidence_score":0.07121344}]},{"text":"I can make a note of here to to send you your contribution details.","start_word":3793,"end_word":3806,"intents":[{"intent":"Send contribution details","confidence_score":0.8077373}]},{"text":"But any questions, concerns for me now? Obviously, it's a very quick run through, but anything else that you want to touch on while you've got me there? No.","start_word":3936,"end_word":3964,"intents":[{"intent":"Address concerns","confidence_score":0.21233939}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Nate.","start_word":0,"end_word":2,"sentiment":"positive","sentiment_score":0.366070032119751},{"text":"It's Carl calling from HP Financial. How are you today?","start_word":3,"end_word":12,"sentiment":"neutral","sentiment_score":0.24458153545856476},{"text":"Not bad. Thanks. That's good to hear. I've got you scheduled in for your straight statement of last presentation. Is now still a good time for you?","start_word":13,"end_word":39,"sentiment":"positive","sentiment_score":0.46076005697250366},{"text":"Yeah. How long is this gonna take? Roughly. If you're a little bit busy, I know you're sort of caring for your your mother at the the moment there, we can sort of make it pretty quick. And if you can have a read through it in your spare time, if you have any questions, you can come back. Yeah. Yeah. Yeah.","start_word":40,"end_word":101,"sentiment":"neutral","sentiment_score":0.007031483110040426},{"text":"Perfect.","start_word":102,"end_word":102,"sentiment":"positive","sentiment_score":0.4495968222618103},{"text":"Just to jump into that today, Nave, if I can just pass through security with your name, date of birth, and current address, we can get stuck into that today. Yep. Yep. So just full name, date of birth, and card notice will 9 get going. 7. 10/2072. 12 Bowbrook Avenue, Amy Plains.","start_word":103,"end_word":155,"sentiment":"neutral","sentiment_score":0.19971498847007751},{"text":"Perfect.","start_word":156,"end_word":156,"sentiment":"positive","sentiment_score":0.3705505132675171},{"text":"And just given the time that has elapsed since we last sort of spoke to Naif, have anything in regards to your employment or anything changed at the moment? Not really. I'm just, like, doing couple of days here and there just, like, with my mates. Like, just give me a day here, a day there. Other than that, nothing really. Yep. And then I know you did have that payout when you were made redundant there. Has that Yep. sort of mentioned all of you spent money much of that, or is that still sitting there? No. I still got some. I still got most of it. Yep. And just the the car that's here in the other asset at the moment? Yeah. Yeah. Perfect. Anything else that sort of changed in the the last few months No. since we last Not spoke? really. Not really. Not a No. Just problem. looking after my mom. My mom is, like, having problems. She might have an operation soon. She's got, like, like, she does not remembering heaps of stuff, so I've been taking her to doctors now. I've got a specialist on Thursday. Been taking it to all these testing and stuff like that. Yep. And have you looked into sort of, like, care support payments and things like that?","start_word":157,"end_word":376,"sentiment":"neutral","sentiment_score":-0.06739693127826533},{"text":"Not really. Because I don't know. Like, because I've got money in the bank and that money that I've got, and I don't know if anyone like, if they'll give me anything. Fuck.","start_word":377,"end_word":409,"sentiment":"negative","sentiment_score":-0.3924799859523773},{"text":"Yeah. Well, in regards to that, I'm not a 100% sure on what, like, your eligibility would be given the the cash in the bank that you do have. Yeah. But given that, like, it's not your, like, Centrelink entitlements in regards to, like, JobKeeper and things like that, you may be out of sort of contact Centrelink and have a conversation and see. But just for caring for your mother, if you're eligible for some form of carers allowance and things like that. Yeah. No worries. I'll have a look into it. Just if you're sort of still here and there between work and things like that. You Yeah. know? It does come with its own set of things in regards, like, estate planning, things like that being care for your parents can impact that. I know within regards to this advice as well, we are recommending going to see a low set up of wheels. So if you do have any questions regarding, like, how carers payments can impact, like, wills and estates and things like that as well, you can have a conversation with them as well. No worries. But in regards to this document here, I'll just be sending this to your email address there, nave underscore I'm gonna put you your last name, but then@hotmail.com. Is that still your That's correct email? correct. Yep.","start_word":410,"end_word":638,"sentiment":"neutral","sentiment_score":-0.004536587744951248},{"text":"Perfect. So this will be there shortly.","start_word":639,"end_word":645,"sentiment":"positive","sentiment_score":0.39689576625823975},{"text":"As I said, you'll be able to sort of review the statement advice, the appendix there. You'll also the Ophi service guide and then the OP financial services guide as well as the PDFs for your current insurance there as well. As far as the advice goes, it is quite straightforward in terms of oh, I think it just didn't send, so I'm just gonna have to resend that. But as far as the Yep. device itself, it is just an investment update in regards to, like, the obviously, the assets there and then also the contributions because you aren't working and aren't earning much of an income at the moment. Yep. Yeah. So bear with me. I'll just go to redo this document there because it's Sorry. Technology never works when you want it to.","start_word":646,"end_word":781,"sentiment":"neutral","sentiment_score":0.09716748750275549},{"text":"So So good.","start_word":782,"end_word":784,"sentiment":"positive","sentiment_score":0.47669270634651184},{"text":"But just while I'm just finishing up that then, Naeve, do you have any questions or concerns at the moment that we sort of haven't discussed or haven't mentioned before jumping in that today? No. No. Not really. Not really. Other than that, like, I spoke I spoke I don't know if it was you or somebody. And I said, look. If I can contribute myself, and you said give it six months. And then, like I said, maybe I can pull $50 a week from my own money into it and Yep. just just put in. And you said you're gonna look into it and and, like, maybe give me something where I can just put into it, like, $50 a week or something just so I can still contribute a little bit if I, you know, if I can manage. You know what I mean? Yeah. I did include that in this document here as well. So now that I've got that read done there as well, Yeah. Just, like, if you give me, like, where where I need to put in or what, and then, you know, whenever I've got, like, if, you know, every week or every second week, if I can, you know, if I can put just something in there and, you know, if it helps, it's not gonna do any harm. Exactly. And I did include that in the the document. I didn't include the amount you could do given that you are Yeah. really Yeah. That's right. Like I said. earning income and then what you get for that as well. So you should have that shortly there. While that's coming through there, Neve, in regards to just the best interest of you, obviously, we can't put you in a better position. We're not gonna sort of make the recommendation. I know, yeah, currently, you're not sort of working at the the the moment, but you are sort of doing a bit of work here and there. You're able to get by on you. So it's just redundancy payment as well as caring for your your mother. So you're on a bit of an in between stage. So at the moment, we just looked at reviewing the superannuation, make sure that your investments were adequate for your current situation. And then just at estate planning, make a recommendation for that, just making sure you have the adequate means in place as well. And I know sort of with caring for your mother and things like that as well, it might be worth sort of her, you know, visiting and getting things sorted just in the event that anything did occur suddenly that, you know, it is a lot easier on your yourself and any sort of other family members like your brother to be able to settle Yeah. estates and things like that as well. No worries. We did also include that the contributions and what was sort of recommended in regards to that given that you aren't currently working there at the moment. Now what we looked at but didn't consider there is insurances. You currently don't have any. You didn't wanna look at any. So within regards to that, just due to the the ADL definition that would have arisen there, you wanna remain sort of uninsured at the moment, so you might wanna revisit it in the future. But at the moment, you're happy sort of working towards Yes.","start_word":785,"end_word":1364,"sentiment":"neutral","sentiment_score":0.07626439639977341},{"text":"being a bit more self insured. As far as the budgeting on the money you do have, you're happy managing that yourself.","start_word":1365,"end_word":1386,"sentiment":"positive","sentiment_score":0.362749308347702},{"text":"We can send you the OQ budget planner if you did wanna, you know, have that just for your own per purposes for, you know, budgeting for bills and expenses and things like that as well. No. No.","start_word":1387,"end_word":1424,"sentiment":"neutral","sentiment_score":0.2503005266189575},{"text":"I'm fine. Thanks. I'm alright.","start_word":1425,"end_word":1429,"sentiment":"positive","sentiment_score":0.4469314217567444},{"text":"No problem.","start_word":1430,"end_word":1431,"sentiment":"neutral","sentiment_score":0.3208572566509247},{"text":"And then as far as employment, you know, you're happy, sort of amazing that yourself would doing work with your mates given that you are caring for your mother.","start_word":1432,"end_word":1460,"sentiment":"positive","sentiment_score":0.4842316806316376},{"text":"It's a bit hard to go back to full time work. That's understandable. Yeah. Yeah. Yeah. As far as the recommendation to you, we are recommending just staying with Netwealth, change those underlying investments. As far as the lump sum contribution to Netwealth, it's sort of be done by the end of the the financial year. In regards to the strategy for that one, I'll run through it in a second. And then the beneficiaries, setting up beneficiaries, making sure your world's up to date and getting that sorted, and then having a power of attorney in place there as well. Now has that email come through, Niamh, in regards I'm not sure. to that? I'm on the phone, so I haven't really looked at it. No problem. Are you happy for me to just run through the recommendation and you review the Yeah. documents Yeah. Yeah. later? And then I'll have a look at it when when I hang up. And when I got time, I'll have a look at it. No problem. Can you at least see that the emails popped up in regards to it to come through just to make sure you Yeah. have received it? Yeah. It's come through.","start_word":1461,"end_word":1664,"sentiment":"neutral","sentiment_score":0.054047372192144394},{"text":"Perfect.","start_word":1665,"end_word":1665,"sentiment":"positive","sentiment_score":0.46738576889038086},{"text":"So you will have that statement advice. You can review on the attachments. And if you were happy with everything, you can click the link to sign. So I'll make this sort of quickly because that's the sort of main things, Heather, apart from the advice. So on page eight, you'll have your assets or, like, your current situation there. On the next page, I'll be over assets liabilities. In regards to your risk profile, you did score growth, but we're keeping you in line with the high growth. Even though that you aren't working currently, you still wanna aim for those, you know, longer, higher returns over the the long Yep. term period, given your time to retirement.","start_word":1666,"end_word":1784,"sentiment":"neutral","sentiment_score":0.16505677428315668},{"text":"So you're happy maintaining that level of risk, Yep. and then sort of being in that high growth portfolio to make sure that you have the opportunity to to get those higher returns over the longer period of time, if that still makes sense. Yes. Perfect.","start_word":1785,"end_word":1830,"sentiment":"positive","sentiment_score":0.5352234244346619},{"text":"As far as the recommendation, it being in your best interest there, we are looking at the investment update for yourself. So within regards to that one, the Bennelong Fund wasn't performing for that one. So we're looking at removing that, updating that portfolio there to make sure that it's in your best interest moving forward, removing the underperforming asset, not having the active management moving forward. So with that one there, you won't have the ability to to try and outperform the market, but you will follow the indexes, still have the same allocation to growth assets, and with that, it'll come with less volatility.","start_word":1831,"end_word":1936,"sentiment":"neutral","sentiment_score":0.1209082454442978},{"text":"And then also with that being, you do have a bit of a lower risk tolerance.","start_word":1937,"end_word":1952,"sentiment":"positive","sentiment_score":0.3641374707221985},{"text":"It does reduce a a level of risk there as well. Even though you still have the potential for those higher returns, it is sort of dictated by those market indices and not sort of a performance manager, which does reduce your costs there as well. Now with that, you know, you do have a lower ongoing cost, which helps sort of go to compounding and having money invested there as well, which also helps why you're not working, contributing. It doesn't mean we can't review it in the future.","start_word":1953,"end_word":2042,"sentiment":"neutral","sentiment_score":0.19792328774929047},{"text":"But overall, your lower investment costs, you'll have it in line with your risk profile. You'll still have access to all of both of your services there as well, and you'll be in in a portfolio that is in line with your your current risk tolerance.","start_word":2043,"end_word":2088,"sentiment":"positive","sentiment_score":0.36348217725753784},{"text":"Yep. Yep. Now the risk of that one is obviously during the changes and things like that as well. You do have the market risk of if things were changed while you sold down to cash that you may sort of forego potential gains. Also, the buy sell cost with switching investments there as well. Obviously, been along being that it did go down will offset some of that. But in saying that in the future, like, it does change daily, so it can't be fully calculated. But in saying that, we did look at, you know, removing you from your your fund, putting into a different fund there as well. That might be a lower cost and have some other advantages. But it did show that, you know, if if you sold down everything, your capital gains would be up around nearly the know, just under the 6,000 mark. So we didn't wanna do a full sell down to make you sort of pay that upfront lump sum cost. So within regards to the investments there, you will be out of Benelung. You still have exposure in Australia. Within regards to your new sort of exposures there as well, you'll be in Vanguard or World, so a bit outside The US as well just with how everything is going as well, having a bit of exposure outside of that. And then you'll also have some bonds just to replace the the bank hybrids you previously had just because they are phasing those out. So not a huge change with that.","start_word":2089,"end_word":2349,"sentiment":"neutral","sentiment_score":0.02089290209542746},{"text":"It is a defensive asset.","start_word":2350,"end_word":2354,"sentiment":"positive","sentiment_score":0.4261764883995056},{"text":"The rest of your portfolio will just sort of be adjusted in line with that rebalancing and then just removing all that key asset there. It's important to note that you will have a minimum cash balance that Netwealth does hold, which is 1.25% of your current balance there as well. So overall, it will reduce your exposure slightly. You'll be around 95% growth assets, around 5% defensive. Now it's important to note that your alternative growth assets does contain gold around 7%, and that can be considered a bit of a defensive asset as well depending on how the markets are doing. Obviously, in the past few years, it's grown so much that it's been considered a bit more of growth asset currently compared to what it previously has been, and that's how Oakview's decided to allocate it. In terms of the cost savings around the difference, when you include everything, including, like, you know, contributions, investment fees, adviser fees as well, It'll be around $770 in terms of fees you will be saving. That will go towards, you know, investment growth there as well. Fees are obviously projected to be based on, like, your performance there for twelve months as well, and it's just 1.65 of the balance. But, obviously, if, you know, things keep going with the wall and I run thing, it might not be as high as what projected either with what is happening, if that all makes sense. Yep.","start_word":2355,"end_word":2599,"sentiment":"neutral","sentiment_score":0.12784748524427414},{"text":"Perfect. You'll be able to see those tables there on page seventeen and eighteen once you get a sense of go through that.","start_word":2600,"end_word":2622,"sentiment":"positive","sentiment_score":0.4915158450603485},{"text":"It does show you some projections moving forward and what that might look like projected out based on the previous performance, but it's important to note that past performance isn't indicative of future performance there. As far as the contribution goes there, Niamh, recommend that you do a lump sum contribution of a thousand dollars. Now you can break that up into, like, you know, $50 a week over the next sort of few months until the end of the financial year. But if you were to contribute the thousand dollars there as a non concessional contribution there, you do get $500 for the government. So that means given that you aren't working as much and you're not sort of earning over that 40,000 a year currently, it just means that the government will co contribute under up to $500 because of the the thousand you have put in there.","start_word":2623,"end_word":2772,"sentiment":"neutral","sentiment_score":0.10411372780799866},{"text":"They'll match 50% of that, which means you get a little bit of free money there as well.","start_word":2773,"end_word":2790,"sentiment":"positive","sentiment_score":0.3631983697414398},{"text":"Now given if you were to sort of start working and contributing more again or, you know, earning an income and sort of exceed those limitations with the co contribution scheme, it may mean you're not entitled to that $500. If you obviously things do do change and you are working again and if you're earning over that sort of cap, it will reduce it and then sort of base on that until up until the point that you don't get any benefit from it. Now if you do wanna contribute more than that, you obviously can as well. This is through the non concessional arrangement. You would be contributing to the nontaxable portion of your superannuation. If you got any income coming in, you can sort of look to claim that as a concessional and convert that to get the tax rebate then as well if you do start full time employment as well, and you don't think you're gonna get any of the the funds for that.","start_word":2791,"end_word":2959,"sentiment":"neutral","sentiment_score":-0.03852584270330576},{"text":"But in the meantime, it'll help boost your super. We can give you your account details for that, and you'll be able to contribute as you sort of wish over that time frame.","start_word":2960,"end_word":2992,"sentiment":"positive","sentiment_score":0.4885241389274597},{"text":"But it's important to note, like, when the the financial year is up and to hit that that thousand dollars, if that makes sense. Yes. Yep.","start_word":2993,"end_word":3018,"sentiment":"neutral","sentiment_score":0.09808694571256638},{"text":"Perfect.","start_word":3019,"end_word":3019,"sentiment":"positive","sentiment_score":0.5712258815765381},{"text":"Do you have any questions in regards to that at all? No. No. No. All good. Yep.","start_word":3020,"end_word":3036,"sentiment":"neutral","sentiment_score":0.11390181630849838},{"text":"Perfect.","start_word":3037,"end_word":3037,"sentiment":"positive","sentiment_score":0.41815006732940674},{"text":"So, yeah, once you get to, you know, the June 30 there or, like, you know, first slide, June 30, that's, like, where you cut off for that to make those contributions. And just confirming to then through your previous employment before you were made redundant, you sort of in the financial year, you wouldn't be over that that limit there? No. No. Yep. Okay.","start_word":3038,"end_word":3102,"sentiment":"neutral","sentiment_score":0.036886345595121384},{"text":"Perfect.","start_word":3103,"end_word":3103,"sentiment":"positive","sentiment_score":0.4039820730686188},{"text":"Yeah. So from that, you should be eligible for that that $500 co contribution if you do make that thousand dollars. If you do contribute a bit less, it'll be less. And then if you always start earning an income, they'll proportionate down until you're sort of not eligible for any payment there as well.","start_word":3104,"end_word":3158,"sentiment":"neutral","sentiment_score":0.13163477182388306},{"text":"But it's not a bad thing. You still get money going into your super. You just might not get that co contribution, which is what you wanna do anyway, but a bit of free money never hurt to grow on your super as well.","start_word":3159,"end_word":3202,"sentiment":"positive","sentiment_score":0.4275396764278412},{"text":"Not a problem.","start_word":3203,"end_word":3205,"sentiment":"neutral","sentiment_score":0.3315492570400238},{"text":"Perfect.","start_word":3206,"end_word":3206,"sentiment":"positive","sentiment_score":0.4973819851875305},{"text":"Now with that as well, there are obviously risks that, you know, once you put in the superannuation, you can't get it back given that you aren't working. It's something to be mindful of, but given you do quite amount of savings as well, it does obviously help contribute to the balance. As far as the beneficiary nominations, we're recommending that you nominate a legal person representative once you get a will enforce with that one because you want to leave things to, you know, like brothers, you know, mother, if sort of worst case things like that as well, it sorta helps that they don't make a valid nomination with c CSAC for superannuation at the moment. So once your will is in place, you can leave your estate to the will, and it can be distributed per your wishes that way. It's important to sort of note that when it goes to the will, it's taxed differently. You don't pay the Medicare levy, but then also it does open your superannuation up to claims should, you know, family start fighting over the money and who gets what. And it can Yes. sort Yes.","start_word":3207,"end_word":3401,"sentiment":"neutral","sentiment_score":0.04149811714887619},{"text":"of get eaten away at legal fees, that is sort of a risk of that.","start_word":3402,"end_word":3416,"sentiment":"negative","sentiment_score":-0.5115337371826172},{"text":"But given you don't have anyone that sort of makes a valid nomination currently apart from what your mother being dependent on you caring for at the moment, you know, if something were to happen to your your mother, you'd have to change it anyway. So if you write it all at all, it's all built to cover for those contingencies. It just means Yes. that, you know, everything distributed per your wishes over a longer period of time. So do you have any questions in regards to that at all? No. No. Certainly. Obviously, we recommend you establish a will and a power of attorney in conjunction with that as well. I won't dwell on those sections too much. Feel free to read through that. We obviously can't provide a will service in drawing up a will. We can have a conversation on how you might wanna structure a little bit. But given that, you know, you've got the the car and the savings, you know, have a huge amount of other, you know, property No. thing No.","start_word":3417,"end_word":3595,"sentiment":"neutral","sentiment_score":-0.07276800274848938},{"text":"like that, No.","start_word":3596,"end_word":3598,"sentiment":"negative","sentiment_score":-0.3401891887187958},{"text":"and that might make No. No. it Nothing difficult. else. Yeah.","start_word":3599,"end_word":3609,"sentiment":"neutral","sentiment_score":-0.12460729479789734},{"text":"So it should make it quite a simple process in regards to setting up that will.","start_word":3610,"end_word":3625,"sentiment":"positive","sentiment_score":0.3831339478492737},{"text":"We can refer you to a local solicitor and their pricing if you ever wanted it.","start_word":3626,"end_word":3641,"sentiment":"neutral","sentiment_score":0.209451362490654},{"text":"But, also, if you find someone local that you're happy with, that's more than fine as well.","start_word":3642,"end_word":3658,"sentiment":"positive","sentiment_score":0.4568817913532257},{"text":"As far as the remuneration fee, it is 1.65%, which is that $3,529 per year's worth of premiums with growth based on that percentage fee. As I said, that can fluctuate with the market, so it goes up and down with the with that on a monthly basis. But that's just the estimated fee based on the recommendation that was made. From there, obviously, you know, you do still have your annual review that we'll we'll touch on those as well, any concerns you may have. But that is a really brief run through of the advice there. Now if you have any questions regarding that, the investment No. recommendation No. No. All or good.","start_word":3659,"end_word":3773,"sentiment":"neutral","sentiment_score":0.07632236927747726},{"text":"All good. not a problem.","start_word":3774,"end_word":3778,"sentiment":"positive","sentiment_score":0.4446078538894654},{"text":"Once you were to sign that document, they can start the implementation of that. I can make a note of here to to send you your contribution details. So just so you have that for when you run it start doing that. If that's something you wanted to do, even if you don't proceed with the advice, if you started one of putting some money into super, that's more than fine. When you get to the end of the financial year, feel free to give us a call if you do start doing that, but don't take on the advice just so we can look at options if you wanna claim notice of intent, things like that. But given you aren't No working, worries. it doesn't make a huge difference whether you claim it or not. It doesn't give you that tax benefit really Yeah. in Yeah. regards Yeah. No. to It's money all back.","start_word":3779,"end_word":3933,"sentiment":"neutral","sentiment_score":0.13917629420757294},{"text":"good. Perfect.","start_word":3934,"end_word":3935,"sentiment":"positive","sentiment_score":0.6101294755935669},{"text":"But any questions, concerns for me now? Obviously, it's a very quick run through, but anything else that you want to touch on while you've got me there? No. No. No. All good.","start_word":3936,"end_word":3968,"sentiment":"neutral","sentiment_score":0.05964013934135437},{"text":"All good.","start_word":3969,"end_word":3970,"sentiment":"positive","sentiment_score":0.4544491171836853},{"text":"I'll just have a look at it when I when I got time. I'll read everything and sign it and everything.","start_word":3971,"end_word":3991,"sentiment":"neutral","sentiment_score":0.228221085809526},{"text":"Not a problem at all, Nave. Well, you enjoy the rest of your day. Thanks for your time.","start_word":3992,"end_word":4009,"sentiment":"positive","sentiment_score":0.6587105989456177},{"text":"And any questions, Not a I'll problem. shoot you through an email, and you can just respond to that with any questions you might have in regards No to that worries. document.","start_word":4010,"end_word":4041,"sentiment":"neutral","sentiment_score":0.10704950243234634},{"text":"Thank So easy, you. mate. Well, enjoy the rest of your day. Good luck with you, Imam.","start_word":4042,"end_word":4058,"sentiment":"positive","sentiment_score":0.60645991563797},{"text":"Hopefully, everything goes No well. worries.","start_word":4059,"end_word":4064,"sentiment":"neutral","sentiment_score":0.2345640659332275},{"text":"Thank you.","start_word":4065,"end_word":4066,"sentiment":"positive","sentiment_score":0.4709032475948334},{"text":"Bye.","start_word":4067,"end_word":4067,"sentiment":"neutral","sentiment_score":0.3006850481033325},{"text":"Thanks, mate. Bye.","start_word":4068,"end_word":4070,"sentiment":"positive","sentiment_score":0.5514564514160156}],"average":{"sentiment":"neutral","sentiment_score":0.0975037747203644}}}}