{"metadata":{"transaction_key":"deprecated","request_id":"d389abbc-32aa-4c5f-821a-8f3582bbdfe9","sha256":"a474f31befbb3bf2694637d391deb53867576b233fbe4402a1ecb4d713b9758b","created":"2026-03-25T02:59:21.118Z","duration":1547.856,"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":5969,"output_tokens":111},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6565,"output_tokens":6578},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6565,"output_tokens":1134}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Jesse. It's Dana from Mercy Financial. How are you this afternoon? That's good. I had you booked in today just to run through your updated statement advice. Do you have some time now? Yeah. All good. How was fishing yesterday? Did you catch anything? Oh, no. I all good. I do need to send through an email to you with the advice document there. Do you happen to have access to your emails at the moment, or did you just want me to run through the updated recommendations and you can review it later? What would you prefer? Yeah. No. Not a problem at all. Jesse, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Moving forward, are you comfortable with that? Yeah. Beautiful. And as to the security day with you as well, I do need to just confirm your full name, address, and date of birth I should have. Yep. Yep. Beautiful. Thank you so much for that. I have sent the documents through to your email address there as well. So when you do get some time later on, I'll get you to have a good review of those. Just run through the things that we've discussed today. Let me know if you do have any questions. If you're happy to proceed with the updated advice, we'll just get you to sign and return those back to me. Okay? Beautiful. Now this is sort of in relation to your last annual review that you have completed there. We did look at just wanting to update the advice. You wanted to retain the insurances that you did have within BusQ there, and we just need to sort of update to reflect the the retention strategy to make sure it was all still working for you. I did go back and have a look at the investments as well. There has been some changes in market conditions, so we have made some alterations to the investments, and I'll go through those recommendations as well. Okay? When you first look at this front the front page there, it will not statement the device with your lovely name on the front there, and it also has my name. So the advice was provided by myself and my beautiful team here at Oakview Financial. My authorized representative number with ASIC is 1304394, and you'll see that there you can also look us up. It's important that I do note that any advice provided has been provided under your under best interest. We're here to help you working towards your financial goals. With this advice, since we are working towards your super goals at the moment, though you still have a lot of time ahead of you. Okay? With the scope of the advice for this one here, we have scoped it to superannuation, so you're hoping to be able to retire at the age of 60. We did discuss a rep an average income of about $1,000 per week in retirement. We know that could definitely change down the track there, but this is essentially the goal we are working towards at the moment there for you. I've also factored in the estate planning side of things for you. So it looks like we don't have beneficiaries on file, so we wanna make sure that they are up to date and reflect your wishes. Okay? Where we are not sort of seeking advice or limited advice areas is the personal insurance side of things. So if you are happy with the level of cover that you had, you didn't really wanna change anything, you had noted that it adequately suited your needs for the time being, we can always review that down the track if you would like to. But for the moment, we are reflective just retaining those insurances and in relation to those now. Okay? Areas that were scoped out is regards to trauma and cash on budgeting. So you were trying to save some money on a regular basis. I know it has been a bit difficult with the the way, yeah, every cost of living has been going. We're not making any additional recommendations or providing advice in the way of cash flow and budgeting or trauma insurances. You were comfortable not having trauma at this point in time. We can look and provide additional advice in those areas down the track if you would like us to. You're right. Sorry. So trauma is an out of pocket cost, and it covers you for things like heart attacks, certain strokes, Parkinson's, neurological conditions, cancer's probably a big one. You can be covered for as little as, you know, $50,000, or you can have a certain amount to cover any particular goal you have, whether it be your mortgage or just a couple of years of income replacement. It is an out of pocket. It cost when we spoke last time you didn't really wanna look at doing that. But if you do wanna down the track, you absolutely can. We can talk about it, and we can always update the advice to reflect. It's up to you. Yeah. That's okay. It's not a problem at all. This is a limited advice document, so we do scope in and out areas that we are providing advice on and those that we are not. I'll get you to have a read to that document prior to signing it. If you do find you have additional questions, you are welcome to let me know there. Okay? When it comes to this working of as a will and power of attorney and things like that, we can refer you a solicitor for the drafting of those documents. However, we are not solicited, so we can't draft them for you. We do provide advice around insurances like life, safety, and income protection. However, we don't cover insurances around home motor, home incontents, and certain business liability insurances. They're more general, and we can refer you to a general insurance broker should you need one. And it's also important that I do know that we can, under our license, provide tax financial advice. However, we're not accountants, so we can refer you to an accountant should you need one, but we don't do your tax return for you. Okay? Beautiful. As you're going through that one, you'll see we have got your assets and liabilities noted there. Just when you rise over those, when you do see them, if there's any major changes, please let me know. If this is all as per your last annual review, I know there can be some fluctuations and changes in those. The changes in the assets and liabilities has no reflection on the advice, which is good, but it's also good to have our records up to date for you. Okay? To make it nice and easy, essentially, with the recommendations, what I am recommending is that we do retain both your super funds at the moment, the BASQ and the HUB twenty four super funds. Retaining the bus queue and rolling over all but 10,000, leaving 10,000 in bus queue there to retain your insurances in place. You'll continue to make your contributions from your employer into your bus queue fund, and then we'll just, every year when we do reviews with you, roll over all but 10,000. So most of your money is in hub twenty four working harder there for you. Okay? I do wish to also make sure we have an opt in in place. So we'll make sure that we do have that signed. It doesn't look like there is one apply, but an opt in, essentially, if anything happens and you were to stop working for a period of time or not get contributions, just acts as a secondary security to make sure your insurance is staying in force for you. Okay? When we looked at the investments within the different funds there, the between the two funds, you are, sorry, invested in a high growth portfolio, which is where your comfort level's at. However, we have seen in hub twenty four that there is a couple of options that we wanted to remove out. So you have the Benelon Australian equity, sorry, portion in your Hub twenty four account that we are going to sell completely. Unfortunately, in the last few months, Benelon has had some underlying issues with some of the investments they have invested in, and they have now been underperforming. So we flagged that when we did the advice for you, and we just wanna have that removed out of there. There's no point having underperforming funds there. So we are gonna sell off all of the Bannalong. We're also selling off all of the bank hybrids for you. They are being phased out in the future. And then we're just gonna rebalance your battery and lithium tech and your physical gold there so that your portfolio remains in line with your high growth portfolio. Because we're removing all of the BAN along Australian equities due to having been underperformed, we're actually gonna buy into the beta shares Australian 200. So this is more of a passively managed fund. It's still giving you access to the top 200 companies in Australia. It's still giving you Australian equities exposure. It's actually just a bit cheaper as a fund, which means you actually do reduce the investment cost that you'll be paying for, and it's it has performed greater over the past. So we hope that it does better in the future, but it kind of underperformed as much as Benelon has recently as well. By removing the bank hybrids, that's more of a defensive sort of lower risk investment. We are gonna keep and move the money into what the iShares core composite bond. It is just giving you a bit of the sorry. It is just making sure and giving you a bit of the the defensive investments, which is there for lower risk and for income producing. So, essentially, making those small changes to your portfolio has a much greater difference there. It keeps you invested in line with the the growth portfolio that you're after, the asset allocation that you're after. But when I looked at the phase of make making these differences, by removing the underperforming investment and making a bit of a rebalance there, we can actually see that we save you about $463 on investment fees, which is fantastic to see. So it's really important that sorry. You're right. Yeah. Yeah. So we're selling off some of the investments and rebalancing other ones and moving the money into other investments. Yes. There can be. The portfolio we have you in may have some of those in the underlying, but we haven't specifically focused on those sorts of areas because they are seen as extremely risky. They are very volatile as well. So we kinda stick to investments that have seen a greater track record that have gone through the market ups and downs and the volatility that we have seen through. When you sort of have a look at this, you'll look there at page number 19. You'll see exactly what we have you in. But, realistically, once we kind of finish this, you'll see about 7% of your portfolio invested in battery and lithium tech to still give you good access to those other sorts of minerals there and tech sector. You'll have 6% of physical gold because gold has still done really well. It is still very good to hold on to. You'll have 7% in cybersecurity, which is still a great area to see. You'll have some funds in the iShares core composite bond. We'll also see the S and P 500 because The US is still a really good place to be invested in even though it is seeing the volatility at the moment. We'll still see some VanEck properties. The property is a great asset for diversification. You'll see some Rafi 200 there, so giving you exposure to high, low, and mid stock companies on the ASX. And then the beta shares a 200, so giving you access to the top 200 companies in Australia there. So it's about making sure that you are invested in a portfolio that has seen a great track record. This portfolio that we're moving into is saving you investment fees. When we did the research to change the portfolio, you'll see in the investment table, we can actually save you $463 in investment fees for the year. So you'll be paying $463 less in investment fees out of your super fund, which means more money stays there invested for you. Okay? With your bus queue sorry. You're right? Yeah. Wow. That's insane, isn't it? That's crazy. Wow. Yeah. Wow. That is pretty cool. That is pretty cool. Yeah. Absolutely. Absolutely. We'll also just not make any changes to your Basque. You're in a high growth portfolio in Basque. There's no need to change the investments within there by leaving 10,000 in there. And looking at the aligned asset allocation between the two funds, it still works within the portfolio you're after and gives you the asset allocation in line with your risk tolerance. Okay? The other really good thing to note is that the difference in the performance. So by making those changes to your to your investment profiles within your super fund and altering, you know, re switching the underlying investments that haven't been performing very well and rebalancing your portfolio. The newer portfolio has actually seen a greater average return over the past three to five years than your current portfolio has. So if the market performs the way it has moving forward, then we can definitely see you in a greater position by making these changes as well as lowering the investment fees, which is important as well. Okay? Beautiful. I've also made a recommendation that with your beneficiary nominations, with your hub twenty four, that we do add a binding, non lapsing beneficiary nomination onto your spouse. This essentially means that you've found the trustee to follow your direction, and non lapsing means you only have to fill the form out once, which is positive. At the moment, we don't have any beneficiary nominations applied. So if in the event you would have passed away, your super fund has to go through a bit of a probate process. So having the beneficiary nominations in place are really there for to protect you and your family. So if anything did happen to you, your partner can then come back and claim the funds, and it's a much easier process. Everything gets handed to her to continue looking after your family. With bus queue, they don't allow a binding, non lapsing option. They have a binding lapsing, which means it has to be updated every three years. We will help and organize to make sure the nomination is set up and completed correctly, and then we will keep a record on file of exactly when that nomination lapses so we can help you to have it refilled out every couple of years. Okay? It's also really important we do kind of go through and make sure that you do also set up a will and power of attorney. I have made a recommendation in here that if you haven't got a solicitor that we can certainly refer you through to one, And that just setting up a will and power of attorney is really important for all the other assets you have, your cars, your savings, and things like that. So your sleepers and in life insurance is covered by the beneficiary nominations, but everything else needs to be done through the estate planning and having a will. And a power of attorney is really important as well because if you weren't able to make medical or financial decisions for yourself, having someone nominated that you trust and that knows what your wishes are to act on your behalf is really important as well. Okay? Oh, good. Look. That is basically all I kind of needed to go through with you. It is a lot, and I do apologize. I do have sent the email to you. So have a read through the document, have a look at the changes that we are making there. It's really important. Benelung has been underperforming, so we do wanna get that out of your out of your super funds really quickly. So if you can have a look through that one and sign it and return it back to me, I can have the changes made in your portfolio ASAP. The only other thing I probably forgot to make mention of was the CGT. So by making these changes, we did check the capital gains consequences, and it looks like there's absolutely none. So because Benelon has been underperforming, it offsets any capital gains that would be made by altering the rest of your portfolio. So there's no CGT consequences there for your fund, which is a positive sign for yourself. And sorry. One more thing. And, yeah, just retaining bus queue to make sure your insurances remain in place until you need to alter or change those moving forward. We still keep any reviews and wanna make sure we do catch ups with you to make sure you stay on track in meeting your goals, and that we're working forward and altering this advice regularly with you as well. There's no implementation or upfront fees for the advice we do provide. It is all part of you being an ongoing service client, so you pay an ongoing service fee for our services for having us look after everything for you. And so it means that we provide all this advice for you. Basically, complimentary. It's all part of the service that we provide in trying to keep you on track. Okay? Easy. Yeah. Okay. Yeah. Yeah. So you wanna do compassionate grounds? Yeah. Yeah. Oh, no. Yeah. Right. Yeah. Yeah. Yeah. Yeah. No. Fair enough. So you absolutely can. Have you spoken to a dentist and gotten a quote on how much it's gonna cost you? Yeah. That's okay. What I'll get you to do is in order to to do pack Compassionate Grounds, you essentially need to be able to get a quote on how much it's gonna cost to have the work done. So contact dentists and find out how much it's gonna be, get them to print you out a quote, and then you just apply for Compassionate grounds through your myGov account. It goes direct to the ATO. They're just wanting to make sure and confirm that you can't pay for this any other way. And as long as you've got the evidence of how much it's gonna cost, they'll look at the the eligibility for you and haven't seen a lot of them unapproved not approved. But they'll just want the quote to show how much it's gonna cost that you, you know, you're telling them you can't to the pay if there's any other way, and the ATO made the decision. They if they approve the claim, we'll let your super fund know, and your super fund will let us know, and then we'll be able to make sure we help you with the withdrawal out. Because you are under because you are under the age of 60, your super fund can and does withhold tax for the withdrawal because there is technically, the amount pulled out of super is considered part of your assessable income. It's added to your assessable income, but your tax sorry. You're at no. You can't. No. No. No. The the amount you withdraw out of your super fund on the compassionate grounds is added to your assessable income. But the super fund withholds a certain amount of tax, so it's part of your assessable income, but it's not your assessable taxable income. It's a little bit confusing the way they do it. The super fund works out or the ACO and the super fund work out essentially how much tax should be paid on that, and they try to withhold the amount required. And then if there's any additional adjustments to tax time, then that can be made. But they normally hold up with the up to 22%, so they do hold a larger amount of tax. And you still get the amount you need. They work out how much you need, the tax on top of that, so you can still draw down the amount you need to have the work done. Does that make sense? Yeah. It's a little bit confusing. But, essentially, all you need to do first is go and see your dentist, get them to do you up a quote to show how much it's gonna cost to get the work done, and then go into your myGov account, and you'll apply for Compassionate Grounds through your myGov account. And then from there, the ACO will assess it for you. They'll let the Superfund know when they approve it, and the Superfund will contact us because we look after it for you, and we'll help you with the withdrawal. Okay? Yeah. Oh, good. Did you have any other questions? I know it's a lot to kinda go through when you're not looking at the advice document. But when you've got some time, if you can open up your email, sit down, have a really good look at that one for me. Let me know if there is any questions in relation to any of it, and if you're just happy to go ahead and make those changes, I'll just get you to, sign it and send it back to me. Okay? Easy. Do you have any questions at the moment at all, Jesse? For power of attorney? Yeah. Really good question. We do have some information on a local solicitor, so CJM. If you like, I can send that email to you after the call. It's just it's not really an introduction. It's more just giving you their information. I can send the costing through what it cost to do up a will and power of attorney so you can kinda have a look at that. Would that be okay? Hi. Good. Thanks. How are you? Yeah. Okay. Yeah. Yes. Yeah. Absolutely. Yes. So sorry. I the phone cut out a little bit. We're about to be doing the free will through. Yeah. That's okay. Safe will. Okay. That's okay. You've got a good missus. I'll tell you what. As long as you can catch the fish, you'll be right. Yeah. That's okay. So I'm just having a quick look at them now. Okay. Yeah. So SafeWell is currently offering free wills online. They're usually about a $160. They did them in Australia and New Zealand. It's often in partnership with certain charities during the promotional weeks. The legal solicitor reviewed wills can be created under twenty minutes and free updates available once a year. So it's honestly fine. It does look like they do have them reviewed by a solicitor. As long as the directions are followed, these are the will kits that are absolutely great to do. They can be more cost effective than going and seeing a solicitor. However, they can also be a little bit more contestable. So just making sure that you are following the instructions that you do have them, you know, signed and witnessed and lodged correctly, then they can be absolutely fine. I would definitely suggest print out a copy. Once it's all been lodged and signed and witnessed, if they send you a a final copy, put it out somewhere and let, you know, your beneficiaries know where it's located. So if anything does happen to you, they know where to go to get your will, and what's in it and things like that. So the biggest thing comes down to communication with your family members and your beneficiaries. But these safe wills are often quite good. It's just about promoting trying to get estate planning working because a lot of people don't have any of this done, and so many people do pass away with no estate planning, no wills set up, and then everything goes through probate. And it's probably one of the hardest times for your family to go through. But from what I'm looking at here, there's nothing wrong with that in any way, shape, or form. It is solicited or reviewed. It's just utilizing the websites and trying to sort of promote getting the estate planning working for you guys. Yeah. Yeah. Yes. Yep. Yes. Yeah. Yeah. Yeah. Yeah. No. It is really one of the most important things to do. We, unfortunately, as financial advisers, do see a lot of the estate planning side of things, and we do deal with a lot of the estates after people have passed away. And it is a really difficult time for most people. Most people don't have a will in place or have never really thought about having a will in place. And going through probate is a long lengthy and can be a costly pros a process. So you're definitely doing the right thing. Would you still like me just to send that referral email through to you just to give you an idea on on how CGM what CGM do and the costing of a will on their end? Yeah. Absolutely. Perfect. I'll get that one done up for you now, and I'll shoot that through to Jesse's email for you. Yes. From it looks like there isn't one on there. So with the recommendations I'm making, we are making the recommendation that he update those, and we will make sure and help him to have them filled out. Yeah. So we'll we'll get the beneficiaries all done up and send them to him, and then he's just gonna get them signed and witness them back to us, and we'll have them applied to each of those funds. Yeah. That's okay. Not a problem at all. Easy, Jesse. The email's there for you. I'll get this next email out with the CJM information. And if you have any questions, just let me know. Easy. No worries. You have a good day. Thanks, Jessie. See you later.","confidence":0.99750465,"words":[{"word":"hi","start":2.3999999,"end":2.6399999,"confidence":0.77411824,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.18404793739318848},{"word":"jesse","start":2.6399999,"end":3.04,"confidence":0.74980044,"punctuated_word":"Jesse.","sentiment":"neutral","sentiment_score":0.20326177775859833},{"word":"it's","start":3.04,"end":3.28,"confidence":0.9993547,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2116640657186508},{"word":"dana","start":3.28,"end":3.52,"confidence":0.8437316,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.18963205814361572},{"word":"from","start":3.52,"end":3.6799998,"confidence":0.9750192,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2253163456916809},{"word":"mercy","start":3.6799998,"end":4.0,"confidence":0.27410316,"punctuated_word":"Mercy","sentiment":"neutral","sentiment_score":0.21683520078659055},{"word":"financial","start":4.0,"end":4.5,"confidence":0.9991075,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.20590892434120175},{"word":"how","start":4.64,"end":4.7999997,"confidence":0.99992275,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2820923626422882},{"word":"are","start":4.7999997,"end":4.88,"confidence":0.9996381,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.26471906900405884},{"word":"you","start":4.88,"end":5.12,"confidence":0.99988854,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2953207492828369},{"word":"this","start":5.12,"end":5.3599997,"confidence":0.9998412,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.3082623779773712},{"word":"afternoon","start":5.3599997,"end":5.8599997,"confidence":0.99995357,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":0.2714995741844177},{"word":"that's","start":7.52,"end":7.8399997,"confidence":0.9977186,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6926974058151245},{"word":"good","start":7.8399997,"end":8.24,"confidence":0.99989617,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7030293345451355},{"word":"i","start":8.24,"end":8.4,"confidence":0.9997384,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3738127052783966},{"word":"had","start":8.4,"end":8.559999,"confidence":0.9937733,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.3735790550708771},{"word":"you","start":8.559999,"end":8.72,"confidence":0.9927375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23230965435504913},{"word":"booked","start":8.72,"end":8.88,"confidence":0.9954462,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.3271881341934204},{"word":"in","start":8.88,"end":9.12,"confidence":0.997715,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3369831442832947},{"word":"today","start":9.12,"end":9.28,"confidence":0.99925095,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.27544304728507996},{"word":"just","start":9.28,"end":9.5199995,"confidence":0.9878699,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24350257217884064},{"word":"to","start":9.5199995,"end":9.599999,"confidence":0.9976877,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1926998794078827},{"word":"run","start":9.599999,"end":9.76,"confidence":0.99744046,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.2325851023197174},{"word":"through","start":9.76,"end":10.0,"confidence":0.99558324,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2745860815048218},{"word":"your","start":10.0,"end":10.16,"confidence":0.9993093,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22829581797122955},{"word":"updated","start":10.16,"end":10.559999,"confidence":0.9993012,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2841780483722687},{"word":"statement","start":10.559999,"end":10.96,"confidence":0.9995097,"punctuated_word":"statement","sentiment":"positive","sentiment_score":0.35033759474754333},{"word":"advice","start":10.96,"end":11.36,"confidence":0.9174527,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.2513549327850342},{"word":"do","start":11.36,"end":11.5199995,"confidence":0.9998665,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.06661120802164078},{"word":"you","start":11.5199995,"end":11.679999,"confidence":0.999889,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0876149982213974},{"word":"have","start":11.679999,"end":11.92,"confidence":0.9999155,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08913970738649368},{"word":"some","start":11.92,"end":12.08,"confidence":0.99828374,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08650197088718414},{"word":"time","start":12.08,"end":12.32,"confidence":0.9999757,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.10386601090431212},{"word":"now","start":12.32,"end":12.82,"confidence":0.9999336,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.11728796362876892},{"word":"yeah","start":14.095,"end":14.495001,"confidence":0.9872074,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15568983554840088},{"word":"all","start":14.495001,"end":14.735001,"confidence":0.84368217,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.3101383447647095},{"word":"good","start":14.735001,"end":15.055,"confidence":0.9996669,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2911764979362488},{"word":"how","start":15.055,"end":15.295,"confidence":0.99967885,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.17217841744422913},{"word":"was","start":15.295,"end":15.455,"confidence":0.991629,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.14083121716976166},{"word":"fishing","start":15.455,"end":15.8550005,"confidence":0.9365523,"punctuated_word":"fishing","sentiment":"neutral","sentiment_score":0.199689120054245},{"word":"yesterday","start":15.8550005,"end":16.175,"confidence":0.9986932,"punctuated_word":"yesterday?","sentiment":"neutral","sentiment_score":0.12052807211875916},{"word":"did","start":16.175,"end":16.335001,"confidence":0.9759148,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.03989478200674057},{"word":"you","start":16.335001,"end":16.415,"confidence":0.99882334,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04837239533662796},{"word":"catch","start":16.415,"end":16.655,"confidence":0.99960977,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.07608106732368469},{"word":"anything","start":16.655,"end":17.155,"confidence":0.9998502,"punctuated_word":"anything?","sentiment":"neutral","sentiment_score":0.035626526921987534},{"word":"oh","start":19.855,"end":20.355,"confidence":0.9789516,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.12645283341407776},{"word":"no","start":20.655,"end":21.155,"confidence":0.8678689,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.12548664212226868},{"word":"i","start":21.335,"end":21.835,"confidence":0.38014665,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.046467557549476624},{"word":"all","start":22.255001,"end":22.415,"confidence":0.7641855,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07571253180503845},{"word":"good","start":22.415,"end":22.915,"confidence":0.9995941,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.04949464648962021},{"word":"i","start":23.135,"end":23.295,"confidence":0.80750847,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.003573179244995117},{"word":"do","start":23.295,"end":23.455,"confidence":0.98596096,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0019130781292915344},{"word":"need","start":23.455,"end":23.615,"confidence":0.9997551,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0237937793135643},{"word":"to","start":23.615,"end":23.695,"confidence":0.99808013,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008057590574026108},{"word":"send","start":23.695,"end":23.935001,"confidence":0.98386854,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.006615441292524338},{"word":"through","start":23.935001,"end":24.015,"confidence":0.8617117,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.012712396681308746},{"word":"an","start":24.015,"end":24.175,"confidence":0.9983525,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.004722334444522858},{"word":"email","start":24.175,"end":24.415,"confidence":0.99947375,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.0005687102675437927},{"word":"to","start":24.415,"end":24.654999,"confidence":0.90080667,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017071232199668884},{"word":"you","start":24.654999,"end":24.735,"confidence":0.99893683,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.001871265470981598},{"word":"with","start":24.735,"end":24.895,"confidence":0.9989182,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.029646389186382297},{"word":"the","start":24.895,"end":24.975,"confidence":0.9896236,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.040774572640657425},{"word":"advice","start":24.975,"end":25.41,"confidence":0.9685083,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.023493226617574692},{"word":"document","start":25.49,"end":25.81,"confidence":0.523338,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.053376104682683945},{"word":"there","start":25.81,"end":25.89,"confidence":0.98483807,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.02744830958545208},{"word":"do","start":25.89,"end":26.13,"confidence":0.9996123,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.004491325467824936},{"word":"you","start":26.13,"end":26.289999,"confidence":0.9992692,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011611554771661758},{"word":"happen","start":26.289999,"end":26.61,"confidence":0.99971205,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.02075057663023472},{"word":"to","start":26.61,"end":26.77,"confidence":0.99958533,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016440588980913162},{"word":"have","start":26.77,"end":27.09,"confidence":0.9996569,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.012450182810425758},{"word":"access","start":27.09,"end":27.33,"confidence":0.9973923,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.007657615467905998},{"word":"to","start":27.33,"end":27.49,"confidence":0.98179287,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008946776390075684},{"word":"your","start":27.49,"end":27.65,"confidence":0.5099678,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01435416005551815},{"word":"emails","start":27.65,"end":27.97,"confidence":0.95278764,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.006643969565629959},{"word":"at","start":27.97,"end":28.05,"confidence":0.9973573,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.00010150298476219176},{"word":"the","start":28.05,"end":28.13,"confidence":0.99964535,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0030368566513061523},{"word":"moment","start":28.13,"end":28.45,"confidence":0.89043254,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.005524130538105965},{"word":"or","start":28.45,"end":28.529999,"confidence":0.9997255,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.004080675542354584},{"word":"did","start":28.529999,"end":28.69,"confidence":0.984611,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.006468594074249268},{"word":"you","start":28.69,"end":28.85,"confidence":0.98843133,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011125775054097176},{"word":"just","start":28.85,"end":29.01,"confidence":0.996104,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.011776696890592577},{"word":"want","start":29.01,"end":29.09,"confidence":0.99597,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.016258414834737778},{"word":"me","start":29.09,"end":29.17,"confidence":0.9979963,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.032503508031368256},{"word":"to","start":29.17,"end":29.25,"confidence":0.9983348,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01992598921060562},{"word":"run","start":29.25,"end":29.49,"confidence":0.9995414,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.014211855828762054},{"word":"through","start":29.49,"end":29.65,"confidence":0.98462707,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.030559442937374115},{"word":"the","start":29.65,"end":29.73,"confidence":0.99786323,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011406309902668},{"word":"updated","start":29.73,"end":30.21,"confidence":0.9706664,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.01502878963947296},{"word":"recommendations","start":30.21,"end":30.71,"confidence":0.99085075,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":-0.01250498741865158},{"word":"and","start":30.93,"end":31.01,"confidence":0.7343373,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.030999433249235153},{"word":"you","start":31.01,"end":31.17,"confidence":0.997999,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017193540930747986},{"word":"can","start":31.17,"end":31.41,"confidence":0.9997414,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.01918434351682663},{"word":"review","start":31.41,"end":31.73,"confidence":0.99964106,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.00007633864879608154},{"word":"it","start":31.73,"end":31.81,"confidence":0.99929607,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.021992485970258713},{"word":"later","start":31.81,"end":32.13,"confidence":0.9977553,"punctuated_word":"later?","sentiment":"neutral","sentiment_score":-0.01184503547847271},{"word":"what","start":32.13,"end":32.29,"confidence":0.9998215,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.022811349481344223},{"word":"would","start":32.29,"end":32.53,"confidence":0.9998938,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.009361451491713524},{"word":"you","start":32.53,"end":32.69,"confidence":0.99893814,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011707670986652374},{"word":"prefer","start":32.69,"end":33.19,"confidence":0.9998362,"punctuated_word":"prefer?","sentiment":"neutral","sentiment_score":-0.018363628536462784},{"word":"yeah","start":36.45,"end":36.77,"confidence":0.9978982,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016871998086571693},{"word":"no","start":36.77,"end":37.09,"confidence":0.9948013,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.06062394380569458},{"word":"not","start":37.09,"end":37.33,"confidence":0.9941151,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.14022426307201383},{"word":"a","start":37.33,"end":37.41,"confidence":0.99819994,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12410973012447356},{"word":"problem","start":37.41,"end":37.809998,"confidence":0.9989874,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.17646628618240356},{"word":"at","start":37.809998,"end":37.97,"confidence":0.9974306,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14186683297157288},{"word":"all","start":37.97,"end":38.47,"confidence":0.9986978,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.1979624629020691},{"word":"jesse","start":38.77,"end":39.17,"confidence":0.8209481,"punctuated_word":"Jesse,","sentiment":"neutral","sentiment_score":0.10496073961257936},{"word":"before","start":39.17,"end":39.489998,"confidence":0.9992712,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.08566543459892273},{"word":"we","start":39.489998,"end":39.57,"confidence":0.9941843,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09504522383213045},{"word":"jump","start":39.57,"end":39.73,"confidence":0.99307585,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.12942364811897278},{"word":"into","start":39.73,"end":39.97,"confidence":0.97869134,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.11810651421546936},{"word":"the","start":39.97,"end":40.155,"confidence":0.9358408,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10672317445278168},{"word":"call","start":40.155,"end":40.395,"confidence":0.9814366,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.08215813338756561},{"word":"just","start":40.395,"end":40.475,"confidence":0.9993079,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08342002332210541},{"word":"to","start":40.475,"end":40.555,"confidence":0.99765694,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08361920714378357},{"word":"let","start":40.555,"end":40.595,"confidence":0.99996793,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.06729431450366974},{"word":"you","start":40.595,"end":40.635,"confidence":0.9996939,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0801628977060318},{"word":"know","start":40.635,"end":40.875,"confidence":0.9990477,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.082765132188797},{"word":"we","start":40.875,"end":41.114998,"confidence":0.5694273,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11009355634450912},{"word":"do","start":41.114998,"end":41.195,"confidence":0.9979625,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08177720755338669},{"word":"record","start":41.195,"end":41.515,"confidence":0.9986518,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.06057758256793022},{"word":"our","start":41.515,"end":41.675,"confidence":0.99757594,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.04776865616440773},{"word":"calls","start":41.675,"end":41.914997,"confidence":0.99037814,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.0678921639919281},{"word":"for","start":41.914997,"end":41.995,"confidence":0.99748224,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06341393291950226},{"word":"quality","start":41.995,"end":42.235,"confidence":0.99994326,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.04694377630949021},{"word":"and","start":42.235,"end":42.475,"confidence":0.9998122,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0440417043864727},{"word":"training","start":42.475,"end":42.795,"confidence":0.9999527,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.04364580288529396},{"word":"purposes","start":42.795,"end":43.295,"confidence":0.8392432,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.056140899658203125},{"word":"moving","start":43.355,"end":43.675,"confidence":0.9985989,"punctuated_word":"Moving","sentiment":"neutral","sentiment_score":0.098873533308506},{"word":"forward","start":43.675,"end":43.914997,"confidence":0.98978174,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.09657972306013109},{"word":"are","start":43.914997,"end":43.995,"confidence":0.9711476,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06527724117040634},{"word":"you","start":43.995,"end":44.155,"confidence":0.9998462,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08124414086341858},{"word":"comfortable","start":44.155,"end":44.635,"confidence":0.9955713,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.05771397426724434},{"word":"with","start":44.635,"end":44.795,"confidence":0.9999012,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0701177716255188},{"word":"that","start":44.795,"end":45.295,"confidence":0.9994955,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.08983394503593445},{"word":"yeah","start":46.635,"end":47.035,"confidence":0.9585736,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1907244622707367},{"word":"beautiful","start":47.035,"end":47.355,"confidence":0.9982079,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.33569806814193726},{"word":"and","start":47.355,"end":47.515,"confidence":0.97717285,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17682954668998718},{"word":"as","start":47.515,"end":47.594997,"confidence":0.45529583,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13581562042236328},{"word":"to","start":47.594997,"end":47.754997,"confidence":0.86545414,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13289810717105863},{"word":"the","start":47.754997,"end":47.914997,"confidence":0.9083495,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1434439867734909},{"word":"security","start":47.914997,"end":48.394997,"confidence":0.9960525,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.114295095205307},{"word":"day","start":48.394997,"end":48.475,"confidence":0.86950487,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.14441895484924316},{"word":"with","start":48.475,"end":48.714996,"confidence":0.9961939,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10900281369686128},{"word":"you","start":48.714996,"end":48.875,"confidence":0.99978334,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1088983118534088},{"word":"as","start":48.875,"end":48.954998,"confidence":0.9994293,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15353284776210785},{"word":"well","start":48.954998,"end":49.195,"confidence":0.994337,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.1569260060787201},{"word":"i","start":49.195,"end":49.274998,"confidence":0.9991835,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14917586743831637},{"word":"do","start":49.274998,"end":49.434998,"confidence":0.9744158,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15006820857524872},{"word":"need","start":49.434998,"end":49.675,"confidence":0.99891603,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1376040279865265},{"word":"to","start":49.675,"end":49.754997,"confidence":0.9095387,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10948216915130617},{"word":"just","start":49.754997,"end":49.995,"confidence":0.52650243,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12212800234556198},{"word":"confirm","start":49.995,"end":50.394997,"confidence":0.99854857,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.08453967422246933},{"word":"your","start":50.394997,"end":50.635,"confidence":0.95601094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.079994335770607},{"word":"full","start":50.635,"end":50.875,"confidence":0.99993634,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.11172732710838318},{"word":"name","start":50.875,"end":51.195,"confidence":0.99539506,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.08316125720739365},{"word":"address","start":51.195,"end":51.594997,"confidence":0.99607694,"punctuated_word":"address,","sentiment":"neutral","sentiment_score":0.09170742332935332},{"word":"and","start":51.594997,"end":51.835,"confidence":0.99988484,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09537577629089355},{"word":"date","start":51.835,"end":52.074997,"confidence":0.99952495,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.1369832009077072},{"word":"of","start":52.074997,"end":52.155,"confidence":0.9986498,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13628743588924408},{"word":"birth","start":52.155,"end":52.394997,"confidence":0.9996612,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.1199444904923439},{"word":"i","start":52.394997,"end":52.555,"confidence":0.966416,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16104324162006378},{"word":"should","start":52.555,"end":52.714996,"confidence":0.9999622,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.16394783556461334},{"word":"have","start":52.714996,"end":53.214996,"confidence":0.92256516,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.11866813898086548},{"word":"yep","start":56.45,"end":56.95,"confidence":0.82080984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03325384855270386},{"word":"yep","start":58.77,"end":59.27,"confidence":0.7748829,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03424380347132683},{"word":"beautiful","start":61.809998,"end":62.29,"confidence":0.9997508,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4075767397880554},{"word":"thank","start":62.29,"end":62.45,"confidence":0.9998715,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5870819687843323},{"word":"you","start":62.45,"end":62.61,"confidence":0.9999399,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5584149360656738},{"word":"so","start":62.61,"end":62.77,"confidence":0.9997627,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5470011830329895},{"word":"much","start":62.77,"end":63.09,"confidence":0.9999492,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.583564817905426},{"word":"for","start":63.09,"end":63.25,"confidence":0.99981874,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5985438823699951},{"word":"that","start":63.25,"end":63.75,"confidence":0.9999457,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5494656562805176},{"word":"i","start":63.809998,"end":63.97,"confidence":0.6516594,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5031213760375977},{"word":"have","start":63.97,"end":64.13,"confidence":0.99980277,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3936498165130615},{"word":"sent","start":64.13,"end":64.37,"confidence":0.9979906,"punctuated_word":"sent","sentiment":"positive","sentiment_score":0.40785452723503113},{"word":"the","start":64.37,"end":64.45,"confidence":0.999742,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3910970985889435},{"word":"documents","start":64.45,"end":64.93,"confidence":0.99876606,"punctuated_word":"documents","sentiment":"positive","sentiment_score":0.4137506484985352},{"word":"through","start":64.93,"end":65.17,"confidence":0.99680746,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.387943297624588},{"word":"to","start":65.17,"end":65.33,"confidence":0.9958568,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4103977680206299},{"word":"your","start":65.33,"end":65.49,"confidence":0.99978775,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3469657301902771},{"word":"email","start":65.49,"end":65.81,"confidence":0.99993575,"punctuated_word":"email","sentiment":"positive","sentiment_score":0.3887366950511933},{"word":"address","start":65.81,"end":66.13,"confidence":0.99982446,"punctuated_word":"address","sentiment":"positive","sentiment_score":0.35901838541030884},{"word":"there","start":66.13,"end":66.37,"confidence":0.99922574,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4150155186653137},{"word":"as","start":66.37,"end":66.53,"confidence":0.99992,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4190359115600586},{"word":"well","start":66.53,"end":66.69,"confidence":0.94605994,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.38987112045288086},{"word":"so","start":66.69,"end":66.93,"confidence":0.9995932,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3323604166507721},{"word":"when","start":66.93,"end":67.09,"confidence":0.99956363,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3426981568336487},{"word":"you","start":67.09,"end":67.25,"confidence":0.9988527,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.36660751700401306},{"word":"do","start":67.25,"end":67.41,"confidence":0.9976712,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.31440046429634094},{"word":"get","start":67.41,"end":67.635,"confidence":0.7676195,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.31041964888572693},{"word":"some","start":67.635,"end":67.875,"confidence":0.9851424,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2857896685600281},{"word":"time","start":67.875,"end":68.035,"confidence":0.9993662,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2875697910785675},{"word":"later","start":68.035,"end":68.115005,"confidence":0.9991424,"punctuated_word":"later","sentiment":"positive","sentiment_score":0.3381035029888153},{"word":"on","start":68.115005,"end":68.355,"confidence":0.99910617,"punctuated_word":"on,","sentiment":"positive","sentiment_score":0.36743298172950745},{"word":"i'll","start":68.355,"end":68.675,"confidence":0.9998859,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3842678666114807},{"word":"get","start":68.675,"end":68.755005,"confidence":0.99981064,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.42302843928337097},{"word":"you","start":68.755005,"end":68.915,"confidence":0.9996395,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.37049388885498047},{"word":"to","start":68.915,"end":68.995,"confidence":0.99922097,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4122869670391083},{"word":"have","start":68.995,"end":69.155,"confidence":0.9999089,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3852423429489136},{"word":"a","start":69.155,"end":69.235,"confidence":0.99928564,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3780571222305298},{"word":"good","start":69.235,"end":69.475,"confidence":0.99982184,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.33237603306770325},{"word":"review","start":69.475,"end":69.795,"confidence":0.9998696,"punctuated_word":"review","sentiment":"positive","sentiment_score":0.4486674964427948},{"word":"of","start":69.795,"end":69.955,"confidence":0.99983156,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.45190298557281494},{"word":"those","start":69.955,"end":70.455,"confidence":0.87246954,"punctuated_word":"those.","sentiment":"positive","sentiment_score":0.3874084949493408},{"word":"just","start":70.755005,"end":70.995,"confidence":0.93648463,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.3119988441467285},{"word":"run","start":70.995,"end":71.155,"confidence":0.99236476,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.31489166617393494},{"word":"through","start":71.155,"end":71.315,"confidence":0.9975563,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.3219391405582428},{"word":"the","start":71.315,"end":71.475,"confidence":0.9982095,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3246951103210449},{"word":"things","start":71.475,"end":71.635,"confidence":0.99964726,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.3001297116279602},{"word":"that","start":71.635,"end":71.795,"confidence":0.9995808,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31449267268180847},{"word":"we've","start":71.795,"end":71.955,"confidence":0.99928695,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2895005941390991},{"word":"discussed","start":71.955,"end":72.355,"confidence":0.9993419,"punctuated_word":"discussed","sentiment":"neutral","sentiment_score":0.31790849566459656},{"word":"today","start":72.355,"end":72.855,"confidence":0.7743374,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.32549381256103516},{"word":"let","start":73.155,"end":73.235,"confidence":0.7399865,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.24478808045387268},{"word":"me","start":73.235,"end":73.395004,"confidence":0.99959105,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.26971447467803955},{"word":"know","start":73.395004,"end":73.475,"confidence":0.9996592,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.26620152592658997},{"word":"if","start":73.475,"end":73.635,"confidence":0.9993788,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24920149147510529},{"word":"you","start":73.635,"end":73.715004,"confidence":0.99656326,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2437005192041397},{"word":"do","start":73.715004,"end":73.955,"confidence":0.9962057,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2346513718366623},{"word":"have","start":73.955,"end":74.115005,"confidence":0.99678767,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2341909259557724},{"word":"any","start":74.115005,"end":74.275,"confidence":0.99835336,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2050483375787735},{"word":"questions","start":74.275,"end":74.675,"confidence":0.78797615,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":0.2010092735290527},{"word":"if","start":74.675,"end":74.835,"confidence":0.5906982,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.2683977484703064},{"word":"you're","start":74.835,"end":74.915,"confidence":0.9968802,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.24834924936294556},{"word":"happy","start":74.915,"end":75.155,"confidence":0.9998404,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.28729018568992615},{"word":"to","start":75.155,"end":75.315,"confidence":0.9987293,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3232271075248718},{"word":"proceed","start":75.315,"end":75.635,"confidence":0.99964035,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.298955500125885},{"word":"with","start":75.635,"end":75.795,"confidence":0.9981997,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.28675273060798645},{"word":"the","start":75.795,"end":75.955,"confidence":0.999213,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3248862624168396},{"word":"updated","start":75.955,"end":76.355,"confidence":0.9949275,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2613120377063751},{"word":"advice","start":76.355,"end":76.675,"confidence":0.9881433,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.3124716877937317},{"word":"we'll","start":76.675,"end":76.915,"confidence":0.99555004,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.27425462007522583},{"word":"just","start":76.915,"end":77.075005,"confidence":0.9991762,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.27723386883735657},{"word":"get","start":77.075005,"end":77.235,"confidence":0.9890842,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.28136587142944336},{"word":"you","start":77.235,"end":77.315,"confidence":0.98497075,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2638072669506073},{"word":"to","start":77.315,"end":77.475006,"confidence":0.86823213,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28540879487991333},{"word":"sign","start":77.475006,"end":77.635,"confidence":0.96350753,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.21605108678340912},{"word":"and","start":77.635,"end":77.795,"confidence":0.972693,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18516620993614197},{"word":"return","start":77.795,"end":78.115005,"confidence":0.99924695,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.2129585891962051},{"word":"those","start":78.115005,"end":78.355,"confidence":0.9952147,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.23679375648498535},{"word":"back","start":78.355,"end":78.595,"confidence":0.999826,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.21554134786129},{"word":"to","start":78.595,"end":78.755005,"confidence":0.9996859,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21105694770812988},{"word":"me","start":78.755005,"end":79.075005,"confidence":0.9996668,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.19707925617694855},{"word":"okay","start":79.075005,"end":79.575005,"confidence":0.9327742,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1238708570599556},{"word":"beautiful","start":81.759995,"end":82.159996,"confidence":0.99967456,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3696936368942261},{"word":"now","start":82.159996,"end":82.399994,"confidence":0.9995968,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2128053456544876},{"word":"this","start":82.399994,"end":82.64,"confidence":0.9943369,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1899922490119934},{"word":"is","start":82.64,"end":82.71999,"confidence":0.98002625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17981180548667908},{"word":"sort","start":82.71999,"end":82.88,"confidence":0.9705856,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.18758727610111237},{"word":"of","start":82.88,"end":83.03999,"confidence":0.9964761,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13115617632865906},{"word":"in","start":83.03999,"end":83.2,"confidence":0.9954723,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1334516555070877},{"word":"relation","start":83.2,"end":83.439995,"confidence":0.99926776,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":0.13918766379356384},{"word":"to","start":83.439995,"end":83.6,"confidence":0.9991449,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18385401368141177},{"word":"your","start":83.6,"end":83.759995,"confidence":0.99705976,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18937641382217407},{"word":"last","start":83.759995,"end":83.92,"confidence":0.9985812,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.14586251974105835},{"word":"annual","start":83.92,"end":84.24,"confidence":0.9527286,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.16187141835689545},{"word":"review","start":84.24,"end":84.56,"confidence":0.9992637,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.17365387082099917},{"word":"that","start":84.56,"end":84.71999,"confidence":0.9996737,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19299918413162231},{"word":"you","start":84.71999,"end":84.88,"confidence":0.9998621,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20256803929805756},{"word":"have","start":84.88,"end":85.119995,"confidence":0.99925417,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17402610182762146},{"word":"completed","start":85.119995,"end":85.52,"confidence":0.99987257,"punctuated_word":"completed","sentiment":"neutral","sentiment_score":0.19896656274795532},{"word":"there","start":85.52,"end":86.0,"confidence":0.98308575,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.16773539781570437},{"word":"we","start":86.0,"end":86.24,"confidence":0.5822455,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.14439813792705536},{"word":"did","start":86.24,"end":86.479996,"confidence":0.99900395,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.15826690196990967},{"word":"look","start":86.479996,"end":86.71999,"confidence":0.99937147,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13148045539855957},{"word":"at","start":86.71999,"end":86.88,"confidence":0.9039687,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11734159290790558},{"word":"just","start":86.88,"end":87.119995,"confidence":0.49450502,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15988805890083313},{"word":"wanting","start":87.119995,"end":87.36,"confidence":0.9643698,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.1650143712759018},{"word":"to","start":87.36,"end":87.439995,"confidence":0.99781716,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1580878496170044},{"word":"update","start":87.439995,"end":87.759995,"confidence":0.9998056,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.13479486107826233},{"word":"the","start":87.759995,"end":88.0,"confidence":0.9979972,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1521446257829666},{"word":"advice","start":88.0,"end":88.32,"confidence":0.9489212,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.13727298378944397},{"word":"you","start":88.32,"end":88.56,"confidence":0.98207146,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1533973515033722},{"word":"wanted","start":88.56,"end":88.799995,"confidence":0.9947625,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.14998602867126465},{"word":"to","start":88.799995,"end":88.96,"confidence":0.9987118,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.173142671585083},{"word":"retain","start":88.96,"end":89.28,"confidence":0.99392843,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.13721387088298798},{"word":"the","start":89.28,"end":89.439995,"confidence":0.982844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1606709212064743},{"word":"insurances","start":89.439995,"end":89.939995,"confidence":0.99190706,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.14860379695892334},{"word":"that","start":90.0,"end":90.159996,"confidence":0.99960786,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21073532104492188},{"word":"you","start":90.159996,"end":90.32,"confidence":0.99976236,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19584771990776065},{"word":"did","start":90.32,"end":90.479996,"confidence":0.9997657,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.18803972005844116},{"word":"have","start":90.479996,"end":90.72,"confidence":0.9997682,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18832901120185852},{"word":"within","start":90.72,"end":91.03999,"confidence":0.9865905,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.1532338261604309},{"word":"busq","start":91.03999,"end":91.52,"confidence":0.49180007,"punctuated_word":"BusQ","sentiment":"neutral","sentiment_score":0.15798962116241455},{"word":"there","start":91.52,"end":92.02,"confidence":0.9002557,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.18791744112968445},{"word":"and","start":92.32,"end":92.479996,"confidence":0.98845774,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20071828365325928},{"word":"we","start":92.479996,"end":92.64,"confidence":0.99904436,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19038715958595276},{"word":"just","start":92.64,"end":92.88,"confidence":0.9990188,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1950627863407135},{"word":"need","start":92.88,"end":93.03999,"confidence":0.9974464,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.19298793375492096},{"word":"to","start":93.03999,"end":93.2,"confidence":0.997948,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18947602808475497},{"word":"sort","start":93.2,"end":93.36,"confidence":0.9872652,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.15041585266590118},{"word":"of","start":93.36,"end":93.52,"confidence":0.99881625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19246794283390045},{"word":"update","start":93.52,"end":93.92,"confidence":0.99949574,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.1361333727836609},{"word":"to","start":93.92,"end":94.159996,"confidence":0.9959693,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22545325756073},{"word":"reflect","start":94.159996,"end":94.659996,"confidence":0.99290425,"punctuated_word":"reflect","sentiment":"neutral","sentiment_score":0.2150724232196808},{"word":"the","start":94.755,"end":94.994995,"confidence":0.99995255,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27262476086616516},{"word":"the","start":94.994995,"end":95.235,"confidence":0.998841,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2452746331691742},{"word":"retention","start":95.235,"end":95.735,"confidence":0.9989196,"punctuated_word":"retention","sentiment":"neutral","sentiment_score":0.14946164190769196},{"word":"strategy","start":95.795,"end":96.195,"confidence":0.9989662,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.2117902636528015},{"word":"to","start":96.195,"end":96.354996,"confidence":0.98821646,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30986499786376953},{"word":"make","start":96.354996,"end":96.435,"confidence":0.9999417,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.3002884089946747},{"word":"sure","start":96.435,"end":96.674995,"confidence":0.99979144,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.31524333357810974},{"word":"it","start":96.674995,"end":96.835,"confidence":0.9971552,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3937039971351623},{"word":"was","start":96.835,"end":96.994995,"confidence":0.9982942,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.31686121225357056},{"word":"all","start":96.994995,"end":97.235,"confidence":0.8978834,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3640994429588318},{"word":"still","start":97.235,"end":97.395,"confidence":0.9989687,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.3283582329750061},{"word":"working","start":97.395,"end":97.795,"confidence":0.99986804,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.34837737679481506},{"word":"for","start":97.795,"end":97.954994,"confidence":0.9997464,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28845447301864624},{"word":"you","start":97.954994,"end":98.454994,"confidence":0.99934113,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2188212275505066},{"word":"i","start":98.835,"end":98.91499,"confidence":0.95098186,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1483083963394165},{"word":"did","start":98.91499,"end":99.075,"confidence":0.98405564,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.1444244682788849},{"word":"go","start":99.075,"end":99.235,"confidence":0.9987913,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10170629620552064},{"word":"back","start":99.235,"end":99.475,"confidence":0.9998907,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.09084302186965942},{"word":"and","start":99.475,"end":99.555,"confidence":0.99818605,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09414325654506683},{"word":"have","start":99.555,"end":99.675,"confidence":0.9991386,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.121605783700943},{"word":"a","start":99.675,"end":99.795,"confidence":0.9990607,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11741673946380617},{"word":"look","start":99.795,"end":100.034996,"confidence":0.9997304,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07937267422676086},{"word":"at","start":100.034996,"end":100.195,"confidence":0.99882215,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10355986654758452},{"word":"the","start":100.195,"end":100.354996,"confidence":0.9998778,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1045181155204773},{"word":"investments","start":100.354996,"end":100.835,"confidence":0.9847686,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.08731241524219513},{"word":"as","start":100.835,"end":100.994995,"confidence":0.99824095,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10573813319206238},{"word":"well","start":100.994995,"end":101.235,"confidence":0.99835247,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.10324114561080933},{"word":"there","start":101.235,"end":101.395,"confidence":0.9981906,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.0762781873345375},{"word":"has","start":101.395,"end":101.555,"confidence":0.9955721,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.057519398629665375},{"word":"been","start":101.555,"end":101.795,"confidence":0.99945813,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.07529623806476593},{"word":"some","start":101.795,"end":101.954994,"confidence":0.9980077,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04725112020969391},{"word":"changes","start":101.954994,"end":102.354996,"confidence":0.9996692,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.04973668605089187},{"word":"in","start":102.354996,"end":102.59499,"confidence":0.9991509,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05121178179979324},{"word":"market","start":102.59499,"end":102.91499,"confidence":0.9972193,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.045988425612449646},{"word":"conditions","start":102.91499,"end":103.395,"confidence":0.8004664,"punctuated_word":"conditions,","sentiment":"neutral","sentiment_score":0.04528707265853882},{"word":"so","start":103.395,"end":103.634995,"confidence":0.98671025,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.06293970346450806},{"word":"we","start":103.634995,"end":103.795,"confidence":0.9996784,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11293162405490877},{"word":"have","start":103.795,"end":104.034996,"confidence":0.9998579,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08166904747486115},{"word":"made","start":104.034996,"end":104.195,"confidence":0.99976915,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.1055615097284317},{"word":"some","start":104.195,"end":104.515,"confidence":0.99926,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07069316506385803},{"word":"alterations","start":104.515,"end":105.015,"confidence":0.9966959,"punctuated_word":"alterations","sentiment":"neutral","sentiment_score":0.1095767617225647},{"word":"to","start":105.075,"end":105.155,"confidence":0.7802244,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10676272213459016},{"word":"the","start":105.155,"end":105.314995,"confidence":0.9994911,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0709509626030922},{"word":"investments","start":105.314995,"end":105.795,"confidence":0.6721875,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.08408652245998383},{"word":"and","start":105.795,"end":106.034996,"confidence":0.96191096,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15732602775096893},{"word":"i'll","start":106.034996,"end":106.195,"confidence":0.9900859,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15638825297355652},{"word":"go","start":106.195,"end":106.354996,"confidence":0.9927632,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.15418313443660736},{"word":"through","start":106.354996,"end":106.515,"confidence":0.72026837,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12886355817317963},{"word":"those","start":106.515,"end":106.755,"confidence":0.6725465,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.14514745771884918},{"word":"recommendations","start":106.755,"end":107.255,"confidence":0.9977278,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.11916972696781158},{"word":"as","start":107.475,"end":107.634995,"confidence":0.9999149,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14533832669258118},{"word":"well","start":107.634995,"end":108.034996,"confidence":0.99989676,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.10446637868881226},{"word":"okay","start":108.034996,"end":108.534996,"confidence":0.99478436,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.07381132245063782},{"word":"when","start":109.93,"end":110.25,"confidence":0.9126899,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.05308056995272637},{"word":"you","start":110.25,"end":110.409996,"confidence":0.99108535,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06065133213996887},{"word":"first","start":110.409996,"end":110.57,"confidence":0.99960047,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.04395724833011627},{"word":"look","start":110.57,"end":110.729996,"confidence":0.9971576,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.046969763934612274},{"word":"at","start":110.729996,"end":110.89,"confidence":0.99541473,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04548566788434982},{"word":"this","start":110.89,"end":111.049995,"confidence":0.83861464,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0659874975681305},{"word":"front","start":111.049995,"end":111.29,"confidence":0.28561062,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.0719570592045784},{"word":"the","start":111.369995,"end":111.45,"confidence":0.9983758,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.062228213995695114},{"word":"front","start":111.45,"end":111.689995,"confidence":0.99604505,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.06492640823125839},{"word":"page","start":111.689995,"end":111.93,"confidence":0.9979942,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.06939548999071121},{"word":"there","start":111.93,"end":112.09,"confidence":0.8142296,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.06827937811613083},{"word":"it","start":112.09,"end":112.25,"confidence":0.98384154,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.040825869888067245},{"word":"will","start":112.25,"end":112.49,"confidence":0.9901974,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.020395319908857346},{"word":"not","start":112.49,"end":112.649994,"confidence":0.5245564,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.03099750354886055},{"word":"statement","start":112.649994,"end":113.049995,"confidence":0.91043395,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.044985443353652954},{"word":"the","start":113.049995,"end":113.13,"confidence":0.4732641,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.022171448916196823},{"word":"device","start":113.13,"end":113.45,"confidence":0.81980324,"punctuated_word":"device","sentiment":"neutral","sentiment_score":0.04715684801340103},{"word":"with","start":113.45,"end":113.61,"confidence":0.90272486,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.053084976971149445},{"word":"your","start":113.61,"end":113.85,"confidence":0.99866045,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12947411835193634},{"word":"lovely","start":113.85,"end":114.09,"confidence":0.9998272,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.46092334389686584},{"word":"name","start":114.09,"end":114.329994,"confidence":0.9998431,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.13153329491615295},{"word":"on","start":114.329994,"end":114.409996,"confidence":0.9991084,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1251649558544159},{"word":"the","start":114.409996,"end":114.57,"confidence":0.9995159,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17961148917675018},{"word":"front","start":114.57,"end":114.81,"confidence":0.99634343,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.17061540484428406},{"word":"there","start":114.81,"end":114.97,"confidence":0.93160474,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.13840864598751068},{"word":"and","start":114.97,"end":115.13,"confidence":0.9998099,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0917000100016594},{"word":"it","start":115.13,"end":115.29,"confidence":0.9939956,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09035364538431168},{"word":"also","start":115.29,"end":115.53,"confidence":0.96342003,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08864487707614899},{"word":"has","start":115.53,"end":115.77,"confidence":0.9977373,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.06993438303470612},{"word":"my","start":115.77,"end":116.009995,"confidence":0.99856853,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.08358238637447357},{"word":"name","start":116.009995,"end":116.25,"confidence":0.9664632,"punctuated_word":"name.","sentiment":"neutral","sentiment_score":0.06291724741458893},{"word":"so","start":116.25,"end":116.49,"confidence":0.9876742,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13906221091747284},{"word":"the","start":116.49,"end":116.729996,"confidence":0.99827206,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21648825705051425},{"word":"advice","start":116.729996,"end":117.049995,"confidence":0.984455,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.2450024038553238},{"word":"was","start":117.049995,"end":117.21,"confidence":0.98783666,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.15505962073802948},{"word":"provided","start":117.21,"end":117.61,"confidence":0.9998338,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":0.25081586837768555},{"word":"by","start":117.61,"end":117.85,"confidence":0.99934345,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2304573804140091},{"word":"myself","start":117.85,"end":118.17,"confidence":0.99790984,"punctuated_word":"myself","sentiment":"positive","sentiment_score":0.39351481199264526},{"word":"and","start":118.17,"end":118.329994,"confidence":0.93751746,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2812112271785736},{"word":"my","start":118.329994,"end":118.49,"confidence":0.9997054,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.3901618421077728},{"word":"beautiful","start":118.49,"end":118.81,"confidence":0.99971646,"punctuated_word":"beautiful","sentiment":"positive","sentiment_score":0.6154142618179321},{"word":"team","start":118.81,"end":119.049995,"confidence":0.99827754,"punctuated_word":"team","sentiment":"positive","sentiment_score":0.4700907766819},{"word":"here","start":119.049995,"end":119.21,"confidence":0.98771477,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.4044132530689239},{"word":"at","start":119.21,"end":119.28999,"confidence":0.8617433,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3572743237018585},{"word":"oakview","start":119.28999,"end":119.77,"confidence":0.89322317,"punctuated_word":"Oakview","sentiment":"positive","sentiment_score":0.3612517714500427},{"word":"financial","start":119.77,"end":120.27,"confidence":0.9948778,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.25244778394699097},{"word":"my","start":120.81,"end":121.049995,"confidence":0.9823309,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.23703087866306305},{"word":"authorized","start":121.049995,"end":121.549995,"confidence":0.9946219,"punctuated_word":"authorized","sentiment":"neutral","sentiment_score":0.2102636694908142},{"word":"representative","start":121.61,"end":122.11,"confidence":0.9991806,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.17919227480888367},{"word":"number","start":122.25,"end":122.57,"confidence":0.9991817,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.1963362991809845},{"word":"with","start":122.57,"end":122.865,"confidence":0.9981102,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21658003330230713},{"word":"asic","start":123.185,"end":123.424995,"confidence":0.5555057,"punctuated_word":"ASIC","sentiment":"neutral","sentiment_score":0.18682827055454257},{"word":"is","start":123.424995,"end":123.744995,"confidence":0.99874437,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1867128759622574},{"word":"1304394","start":123.744995,"end":125.765,"confidence":0.9920582,"punctuated_word":"1304394,","sentiment":"neutral","sentiment_score":0.2142849564552307},{"word":"and","start":125.825,"end":125.985,"confidence":0.9995327,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17253278195858002},{"word":"you'll","start":125.985,"end":126.225,"confidence":0.99990135,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.1694810837507248},{"word":"see","start":126.225,"end":126.384995,"confidence":0.9992561,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.19345977902412417},{"word":"that","start":126.384995,"end":126.545,"confidence":0.99878544,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13852837681770325},{"word":"there","start":126.545,"end":126.784996,"confidence":0.714615,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.14957955479621887},{"word":"you","start":126.784996,"end":126.945,"confidence":0.8487591,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1462329924106598},{"word":"can","start":126.945,"end":127.104996,"confidence":0.9997875,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13570711016654968},{"word":"also","start":127.104996,"end":127.424995,"confidence":0.99829835,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.13290400803089142},{"word":"look","start":127.424995,"end":127.505,"confidence":0.9992803,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11961877346038818},{"word":"us","start":127.505,"end":127.665,"confidence":0.99176204,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.1272936910390854},{"word":"up","start":127.665,"end":128.16501,"confidence":0.9997471,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.15302392840385437},{"word":"it's","start":128.465,"end":128.625,"confidence":0.9927455,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.19112935662269592},{"word":"important","start":128.625,"end":128.94499,"confidence":0.9999478,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.1115344539284706},{"word":"that","start":128.94499,"end":129.105,"confidence":0.99799407,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19476011395454407},{"word":"i","start":129.105,"end":129.185,"confidence":0.999554,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18764373660087583},{"word":"do","start":129.185,"end":129.345,"confidence":0.99898356,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15327885746955872},{"word":"note","start":129.345,"end":129.505,"confidence":0.8546684,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.15889409184455872},{"word":"that","start":129.505,"end":129.745,"confidence":0.99738055,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15030422806739807},{"word":"any","start":129.745,"end":129.985,"confidence":0.9996755,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.20529340207576752},{"word":"advice","start":129.985,"end":130.305,"confidence":0.9883334,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.19743409752845764},{"word":"provided","start":130.305,"end":130.805,"confidence":0.9962547,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":0.16060951352119446},{"word":"has","start":130.86499,"end":131.025,"confidence":0.92070776,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.1020287424325943},{"word":"been","start":131.025,"end":131.185,"confidence":0.99958473,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.09941530972719193},{"word":"provided","start":131.185,"end":131.58499,"confidence":0.9999095,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":0.11433261632919312},{"word":"under","start":131.58499,"end":131.825,"confidence":0.9988605,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.24204738438129425},{"word":"your","start":131.825,"end":131.985,"confidence":0.99914575,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21769967675209043},{"word":"under","start":132.145,"end":132.385,"confidence":0.9013181,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.3269684612751007},{"word":"best","start":132.385,"end":132.625,"confidence":0.9609897,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.20704004168510437},{"word":"interest","start":132.625,"end":133.025,"confidence":0.9873672,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.2958226203918457},{"word":"we're","start":133.025,"end":133.185,"confidence":0.9997997,"punctuated_word":"We're","sentiment":"positive","sentiment_score":0.4944883286952973},{"word":"here","start":133.185,"end":133.425,"confidence":0.9997986,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.5115041732788086},{"word":"to","start":133.425,"end":133.505,"confidence":0.99954695,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5040491819381714},{"word":"help","start":133.505,"end":133.745,"confidence":0.99994266,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.5326291918754578},{"word":"you","start":133.745,"end":133.905,"confidence":0.99975127,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6261304020881653},{"word":"working","start":133.905,"end":134.22499,"confidence":0.94559354,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.6699251532554626},{"word":"towards","start":134.22499,"end":134.545,"confidence":0.9984842,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.695771336555481},{"word":"your","start":134.545,"end":134.88,"confidence":0.9993333,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6511968970298767},{"word":"financial","start":135.12001,"end":135.62001,"confidence":0.99990404,"punctuated_word":"financial","sentiment":"positive","sentiment_score":0.5087594985961914},{"word":"goals","start":135.68001,"end":136.18001,"confidence":0.79076034,"punctuated_word":"goals.","sentiment":"positive","sentiment_score":0.5271495580673218},{"word":"with","start":136.48001,"end":136.72,"confidence":0.99535394,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.17265228927135468},{"word":"this","start":136.72,"end":136.88,"confidence":0.9676528,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.16751302778720856},{"word":"advice","start":136.88,"end":137.20001,"confidence":0.8671373,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.17975901067256927},{"word":"since","start":137.20001,"end":137.44,"confidence":0.48992875,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.13951535522937775},{"word":"we","start":137.44,"end":137.6,"confidence":0.97789085,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18428856134414673},{"word":"are","start":137.6,"end":137.76001,"confidence":0.9981494,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.186410054564476},{"word":"working","start":137.76001,"end":138.08,"confidence":0.99947494,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.2696250379085541},{"word":"towards","start":138.08,"end":138.32,"confidence":0.9982482,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.3607670962810517},{"word":"your","start":138.32,"end":138.56,"confidence":0.99514955,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.254582941532135},{"word":"super","start":138.56,"end":138.88,"confidence":0.9193802,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.37641701102256775},{"word":"goals","start":138.88,"end":139.12001,"confidence":0.9815637,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.2708219587802887},{"word":"at","start":139.12001,"end":139.28,"confidence":0.9919063,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15602125227451324},{"word":"the","start":139.28,"end":139.36,"confidence":0.99892336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17787878215312958},{"word":"moment","start":139.36,"end":139.68001,"confidence":0.9527799,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.1957512199878693},{"word":"though","start":139.68001,"end":139.84001,"confidence":0.9696759,"punctuated_word":"though","sentiment":"neutral","sentiment_score":0.0995018258690834},{"word":"you","start":139.84001,"end":140.0,"confidence":0.7594198,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08722732961177826},{"word":"still","start":140.0,"end":140.24,"confidence":0.9993703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.06454306840896606},{"word":"have","start":140.24,"end":140.40001,"confidence":0.99988127,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06867532432079315},{"word":"a","start":140.40001,"end":140.48001,"confidence":0.999913,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11193332821130753},{"word":"lot","start":140.48001,"end":140.64,"confidence":0.99979514,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.08610747754573822},{"word":"of","start":140.64,"end":140.72,"confidence":0.9979253,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14749136567115784},{"word":"time","start":140.72,"end":140.96,"confidence":0.99982905,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.19570226967334747},{"word":"ahead","start":140.96,"end":141.20001,"confidence":0.9998901,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.19969840347766876},{"word":"of","start":141.20001,"end":141.36,"confidence":0.9997888,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20547428727149963},{"word":"you","start":141.36,"end":141.76001,"confidence":0.99926484,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.16137489676475525},{"word":"okay","start":141.76001,"end":142.26001,"confidence":0.99706316,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.11082017421722412},{"word":"with","start":144.88,"end":145.12001,"confidence":0.8995592,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.15425874292850494},{"word":"the","start":145.12001,"end":145.44,"confidence":0.9991781,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17287293076515198},{"word":"scope","start":145.44,"end":145.76001,"confidence":0.9835736,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":0.16952583193778992},{"word":"of","start":145.76001,"end":145.84001,"confidence":0.9816414,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17110182344913483},{"word":"the","start":145.84001,"end":146.0,"confidence":0.999143,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17510730028152466},{"word":"advice","start":146.0,"end":146.48001,"confidence":0.9925944,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.19432306289672852},{"word":"for","start":146.48001,"end":146.64,"confidence":0.6720694,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18204635381698608},{"word":"this","start":146.64,"end":146.8,"confidence":0.999884,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.17391641438007355},{"word":"one","start":146.8,"end":146.96,"confidence":0.99816495,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.16554054617881775},{"word":"here","start":146.96,"end":147.20001,"confidence":0.9953687,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.176657035946846},{"word":"we","start":147.20001,"end":147.36,"confidence":0.99978,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2095751911401749},{"word":"have","start":147.36,"end":147.52,"confidence":0.9283043,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18683746457099917},{"word":"scoped","start":147.52,"end":147.84001,"confidence":0.9628279,"punctuated_word":"scoped","sentiment":"neutral","sentiment_score":0.17938567698001862},{"word":"it","start":147.84001,"end":147.92,"confidence":0.88409716,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2211353629827499},{"word":"to","start":147.92,"end":148.08,"confidence":0.9920282,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22639340162277224},{"word":"superannuation","start":148.08,"end":148.58,"confidence":0.8193598,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":0.19458501040935516},{"word":"so","start":148.88,"end":149.04001,"confidence":0.9943387,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1877809762954712},{"word":"you're","start":149.04001,"end":149.28,"confidence":0.9981105,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2556542754173279},{"word":"hoping","start":149.28,"end":149.52,"confidence":0.9997867,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.2651286721229553},{"word":"to","start":149.52,"end":149.68001,"confidence":0.99941385,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2678236961364746},{"word":"be","start":149.68001,"end":149.84001,"confidence":0.9979949,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.26299285888671875},{"word":"able","start":149.84001,"end":150.0,"confidence":0.9970036,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.2520377039909363},{"word":"to","start":150.0,"end":150.255,"confidence":0.76666033,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2661111652851105},{"word":"retire","start":150.255,"end":150.57501,"confidence":0.99806005,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.21422556042671204},{"word":"at","start":150.57501,"end":150.655,"confidence":0.9998672,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18036165833473208},{"word":"the","start":150.655,"end":150.735,"confidence":0.9997135,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2022707164287567},{"word":"age","start":150.735,"end":151.05501,"confidence":0.99894243,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.15982089936733246},{"word":"of","start":151.05501,"end":151.21501,"confidence":0.9986583,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1776287406682968},{"word":"60","start":151.21501,"end":151.71501,"confidence":0.99849963,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.18289898335933685},{"word":"we","start":151.85501,"end":152.095,"confidence":0.99981993,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.19474755227565765},{"word":"did","start":152.095,"end":152.255,"confidence":0.98154646,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.1802562028169632},{"word":"discuss","start":152.255,"end":152.755,"confidence":0.99553585,"punctuated_word":"discuss","sentiment":"neutral","sentiment_score":0.15151455998420715},{"word":"a","start":152.895,"end":153.05501,"confidence":0.85750574,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19749271869659424},{"word":"rep","start":153.05501,"end":153.375,"confidence":0.54086673,"punctuated_word":"rep","sentiment":"neutral","sentiment_score":0.17263419926166534},{"word":"an","start":153.455,"end":153.615,"confidence":0.97003514,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15502068400382996},{"word":"average","start":153.615,"end":154.015,"confidence":0.96433586,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.1689819693565369},{"word":"income","start":154.015,"end":154.335,"confidence":0.9980107,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.21243397891521457},{"word":"of","start":154.335,"end":154.49501,"confidence":0.9667632,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1497165858745575},{"word":"about","start":154.49501,"end":154.735,"confidence":0.9989894,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.17651453614234924},{"word":"$1,000","start":154.735,"end":155.455,"confidence":0.9987499,"punctuated_word":"$1,000","sentiment":"neutral","sentiment_score":0.25735148787498474},{"word":"per","start":155.455,"end":155.695,"confidence":0.9998274,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.1733204424381256},{"word":"week","start":155.695,"end":155.935,"confidence":0.99914193,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.226637601852417},{"word":"in","start":155.935,"end":156.175,"confidence":0.998541,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24872997403144836},{"word":"retirement","start":156.175,"end":156.675,"confidence":0.9989424,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.20534378290176392},{"word":"we","start":156.815,"end":157.05501,"confidence":0.99902177,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.21691733598709104},{"word":"know","start":157.05501,"end":157.21501,"confidence":0.99180776,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.21106290817260745},{"word":"that","start":157.21501,"end":157.375,"confidence":0.9630943,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2568141520023346},{"word":"could","start":157.375,"end":157.615,"confidence":0.94314414,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.28722643852233887},{"word":"definitely","start":157.615,"end":158.015,"confidence":0.9984309,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.2937399446964264},{"word":"change","start":158.015,"end":158.255,"confidence":0.9992495,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.26937663555145264},{"word":"down","start":158.255,"end":158.49501,"confidence":0.99826187,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.31451281905174255},{"word":"the","start":158.49501,"end":158.655,"confidence":0.99921227,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2557004988193512},{"word":"track","start":158.655,"end":158.895,"confidence":0.9916347,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.21155250072479248},{"word":"there","start":158.895,"end":159.295,"confidence":0.95536256,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.24136462807655337},{"word":"but","start":159.295,"end":159.455,"confidence":0.9941156,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.25953301787376404},{"word":"this","start":159.455,"end":159.615,"confidence":0.999519,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.3097848892211914},{"word":"is","start":159.615,"end":159.77501,"confidence":0.99643964,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3050370216369629},{"word":"essentially","start":159.77501,"end":160.255,"confidence":0.8617378,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.32224026322364807},{"word":"the","start":160.255,"end":160.41501,"confidence":0.9865435,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29671192169189453},{"word":"goal","start":160.41501,"end":160.57501,"confidence":0.9945991,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.3322828710079193},{"word":"we","start":160.57501,"end":160.735,"confidence":0.99861026,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.38057100772857666},{"word":"are","start":160.735,"end":160.975,"confidence":0.9995782,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.37372758984565735},{"word":"working","start":160.975,"end":161.295,"confidence":0.99989057,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.4532507658004761},{"word":"towards","start":161.295,"end":161.695,"confidence":0.999532,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.43598243594169617},{"word":"at","start":161.695,"end":161.77501,"confidence":0.99311876,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.33401939272880554},{"word":"the","start":161.77501,"end":161.85501,"confidence":0.9997495,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3826051354408264},{"word":"moment","start":161.85501,"end":162.255,"confidence":0.9999713,"punctuated_word":"moment","sentiment":"positive","sentiment_score":0.3637086749076843},{"word":"there","start":162.255,"end":162.49501,"confidence":0.9906709,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4095682203769684},{"word":"for","start":162.49501,"end":162.655,"confidence":0.9998317,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.339289128780365},{"word":"you","start":162.655,"end":163.08,"confidence":0.9997928,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2932206392288208},{"word":"i've","start":163.40001,"end":163.56,"confidence":0.99809647,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2609521150588989},{"word":"also","start":163.56,"end":163.96,"confidence":0.99806994,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1897454708814621},{"word":"factored","start":163.96,"end":164.28,"confidence":0.9786676,"punctuated_word":"factored","sentiment":"neutral","sentiment_score":0.23317621648311615},{"word":"in","start":164.28,"end":164.44,"confidence":0.81485194,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.275128036737442},{"word":"the","start":164.44,"end":164.52,"confidence":0.7234416,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24421599507331848},{"word":"estate","start":164.52,"end":164.84,"confidence":0.93516034,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.2261732518672943},{"word":"planning","start":164.84,"end":165.24,"confidence":0.9991159,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.2545740008354187},{"word":"side","start":165.24,"end":165.48,"confidence":0.76541305,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.2194611430168152},{"word":"of","start":165.48,"end":165.56,"confidence":0.9419557,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2955096364021301},{"word":"things","start":165.56,"end":165.8,"confidence":0.9452006,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2907925248146057},{"word":"for","start":165.8,"end":166.04001,"confidence":0.9997552,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2789132297039032},{"word":"you","start":166.04001,"end":166.2,"confidence":0.90724313,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.24052438139915464},{"word":"so","start":166.2,"end":166.36,"confidence":0.99544793,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18648213148117063},{"word":"it","start":166.36,"end":166.52,"confidence":0.9930754,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2211948186159134},{"word":"looks","start":166.52,"end":166.68001,"confidence":0.99742305,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.17567908763885498},{"word":"like","start":166.68001,"end":166.84,"confidence":0.8995171,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.19251318275928497},{"word":"we","start":166.84,"end":166.92,"confidence":0.9994382,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14491309225559235},{"word":"don't","start":166.92,"end":167.16,"confidence":0.99993736,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.12160369008779526},{"word":"have","start":167.16,"end":167.32,"confidence":0.9997758,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07102688401937485},{"word":"beneficiaries","start":167.32,"end":167.82,"confidence":0.9990182,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.11337319761514664},{"word":"on","start":168.04001,"end":168.28,"confidence":0.99985325,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08589695394039154},{"word":"file","start":168.28,"end":168.52,"confidence":0.83437246,"punctuated_word":"file,","sentiment":"neutral","sentiment_score":0.10723429918289185},{"word":"so","start":168.52,"end":168.68001,"confidence":0.9989819,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15030288696289062},{"word":"we","start":168.68001,"end":168.84,"confidence":0.99917185,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2231431007385254},{"word":"wanna","start":168.84,"end":169.08,"confidence":0.9988606,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2793714702129364},{"word":"make","start":169.08,"end":169.24,"confidence":0.9988041,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.17343980073928833},{"word":"sure","start":169.24,"end":169.36,"confidence":0.9983884,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1819990873336792},{"word":"that","start":169.36,"end":169.48,"confidence":0.6756584,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2062770426273346},{"word":"they","start":169.48,"end":169.8,"confidence":0.99967,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2323984801769257},{"word":"are","start":169.8,"end":169.96,"confidence":0.99724907,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.20277947187423703},{"word":"up","start":169.96,"end":170.12,"confidence":0.9607068,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.23684123158454895},{"word":"to","start":170.12,"end":170.28,"confidence":0.94019324,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26856106519699097},{"word":"date","start":170.28,"end":170.44,"confidence":0.9994954,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.2805578112602234},{"word":"and","start":170.44,"end":170.6,"confidence":0.9993,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25874093174934387},{"word":"reflect","start":170.6,"end":171.08,"confidence":0.7682215,"punctuated_word":"reflect","sentiment":"neutral","sentiment_score":0.2830045223236084},{"word":"your","start":171.08,"end":171.24,"confidence":0.9709253,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3632115423679352},{"word":"wishes","start":171.24,"end":171.74,"confidence":0.9987691,"punctuated_word":"wishes.","sentiment":"neutral","sentiment_score":0.26986128091812134},{"word":"okay","start":171.96,"end":172.46,"confidence":0.98570037,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.046498753130435944},{"word":"where","start":173.72,"end":173.96,"confidence":0.8262585,"punctuated_word":"Where","sentiment":"neutral","sentiment_score":-0.028940364718437195},{"word":"we","start":173.96,"end":174.12,"confidence":0.99889743,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.00157233327627182},{"word":"are","start":174.12,"end":174.36,"confidence":0.9991736,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.02123153954744339},{"word":"not","start":174.36,"end":174.6,"confidence":0.9980977,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0983879566192627},{"word":"sort","start":174.6,"end":174.76,"confidence":0.9396377,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.10679811984300612},{"word":"of","start":174.76,"end":174.92,"confidence":0.9491653,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14549660682678223},{"word":"seeking","start":174.92,"end":175.24,"confidence":0.8505951,"punctuated_word":"seeking","sentiment":"neutral","sentiment_score":-0.13000449538230896},{"word":"advice","start":175.24,"end":175.64,"confidence":0.9888993,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.15242035686969757},{"word":"or","start":175.64,"end":175.8,"confidence":0.9258088,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1941151022911072},{"word":"limited","start":175.8,"end":176.2,"confidence":0.9991779,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":-0.1624053120613098},{"word":"advice","start":176.2,"end":176.6,"confidence":0.99363786,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.09343244135379793},{"word":"areas","start":176.6,"end":177.08,"confidence":0.78344667,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":-0.10659195482730864},{"word":"is","start":177.08,"end":177.24,"confidence":0.9930636,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10704632103443146},{"word":"the","start":177.24,"end":177.4,"confidence":0.9959557,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12513938546180725},{"word":"personal","start":177.4,"end":177.8,"confidence":0.993905,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.10972225666046144},{"word":"insurance","start":177.8,"end":178.28,"confidence":0.9960343,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.10734373331069946},{"word":"side","start":178.28,"end":178.44,"confidence":0.9888881,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.0678483322262764},{"word":"of","start":178.44,"end":178.665,"confidence":0.98905796,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05317452549934387},{"word":"things","start":178.665,"end":178.905,"confidence":0.98749423,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.08349794894456863},{"word":"so","start":178.905,"end":179.06499,"confidence":0.99959856,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04406540095806122},{"word":"if","start":179.06499,"end":179.14499,"confidence":0.95353305,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.001078575849533081},{"word":"you","start":179.14499,"end":179.22499,"confidence":0.9995135,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0153428316116333},{"word":"are","start":179.22499,"end":179.385,"confidence":0.5452137,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.006118014454841614},{"word":"happy","start":179.385,"end":179.625,"confidence":0.9998192,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.06940710544586182},{"word":"with","start":179.625,"end":179.86499,"confidence":0.9998963,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04615192115306854},{"word":"the","start":179.86499,"end":179.94499,"confidence":0.9968811,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.040515899658203125},{"word":"level","start":179.94499,"end":180.185,"confidence":0.9999646,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.05223362147808075},{"word":"of","start":180.185,"end":180.34499,"confidence":0.9995925,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06712682545185089},{"word":"cover","start":180.34499,"end":180.58499,"confidence":0.9943878,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.04629132151603699},{"word":"that","start":180.58499,"end":180.745,"confidence":0.99981505,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11859296262264252},{"word":"you","start":180.745,"end":180.905,"confidence":0.99982625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09470157325267792},{"word":"had","start":180.905,"end":181.22499,"confidence":0.9881135,"punctuated_word":"had,","sentiment":"neutral","sentiment_score":-0.018546193838119507},{"word":"you","start":181.22499,"end":181.305,"confidence":0.9968976,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.046562328934669495},{"word":"didn't","start":181.305,"end":181.625,"confidence":0.9998615,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.07179459184408188},{"word":"really","start":181.625,"end":181.78499,"confidence":0.99981767,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.18685179948806763},{"word":"wanna","start":181.78499,"end":182.105,"confidence":0.98887724,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.13613703846931458},{"word":"change","start":182.105,"end":182.34499,"confidence":0.99902606,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.1856202632188797},{"word":"anything","start":182.34499,"end":182.84499,"confidence":0.9233111,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":-0.10732894390821456},{"word":"you","start":183.22499,"end":183.385,"confidence":0.68898267,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.028190940618515015},{"word":"had","start":183.385,"end":183.545,"confidence":0.9222981,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.04875540733337402},{"word":"noted","start":183.545,"end":183.86499,"confidence":0.98851156,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":-0.009703993797302246},{"word":"that","start":183.86499,"end":184.36499,"confidence":0.999526,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03263197839260101},{"word":"it","start":184.825,"end":184.905,"confidence":0.99433905,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.018568113446235657},{"word":"adequately","start":184.905,"end":185.405,"confidence":0.72936946,"punctuated_word":"adequately","sentiment":"neutral","sentiment_score":0.027197137475013733},{"word":"suited","start":185.625,"end":185.94499,"confidence":0.9604692,"punctuated_word":"suited","sentiment":"neutral","sentiment_score":0.0014241114258766174},{"word":"your","start":185.94499,"end":186.185,"confidence":0.9956391,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.054351627826690674},{"word":"needs","start":186.185,"end":186.50499,"confidence":0.9725886,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.0850163996219635},{"word":"for","start":186.50499,"end":186.58499,"confidence":0.9784589,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.000015020370483398438},{"word":"the","start":186.58499,"end":186.745,"confidence":0.9983961,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0237199068069458},{"word":"time","start":186.745,"end":186.98499,"confidence":0.9995254,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07005365192890167},{"word":"being","start":186.98499,"end":187.22499,"confidence":0.84336317,"punctuated_word":"being,","sentiment":"neutral","sentiment_score":0.045490920543670654},{"word":"we","start":187.22499,"end":187.385,"confidence":0.9992778,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0874270647764206},{"word":"can","start":187.385,"end":187.545,"confidence":0.99971145,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09786123037338255},{"word":"always","start":187.545,"end":187.86499,"confidence":0.9983558,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.09160201251506804},{"word":"review","start":187.86499,"end":188.105,"confidence":0.998212,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.002475455403327942},{"word":"that","start":188.105,"end":188.34499,"confidence":0.999253,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.028858527541160583},{"word":"down","start":188.34499,"end":188.50499,"confidence":0.9980475,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.04826176166534424},{"word":"the","start":188.50499,"end":188.58499,"confidence":0.99465805,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021877065300941467},{"word":"track","start":188.58499,"end":188.825,"confidence":0.9982002,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.05130156874656677},{"word":"if","start":188.825,"end":188.98499,"confidence":0.98846906,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03640236705541611},{"word":"you","start":188.98499,"end":189.06499,"confidence":0.9989145,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034767523407936096},{"word":"would","start":189.06499,"end":189.305,"confidence":0.99891365,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.016700685024261475},{"word":"like","start":189.305,"end":189.545,"confidence":0.9982456,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.04315398633480072},{"word":"to","start":189.545,"end":190.025,"confidence":0.9345582,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.003168754279613495},{"word":"but","start":190.025,"end":190.185,"confidence":0.9714854,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.014383405447006226},{"word":"for","start":190.185,"end":190.34499,"confidence":0.97788084,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10269485414028168},{"word":"the","start":190.34499,"end":190.42499,"confidence":0.9977811,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07054594904184341},{"word":"moment","start":190.42499,"end":190.745,"confidence":0.99441946,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.038322195410728455},{"word":"we","start":190.745,"end":190.905,"confidence":0.9956767,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03322801738977432},{"word":"are","start":190.905,"end":191.06499,"confidence":0.9923153,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.020949795842170715},{"word":"reflective","start":191.06499,"end":191.56499,"confidence":0.9869271,"punctuated_word":"reflective","sentiment":"neutral","sentiment_score":-0.1003810614347458},{"word":"just","start":191.625,"end":191.78499,"confidence":0.7797728,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.050989046692848206},{"word":"retaining","start":191.78499,"end":192.265,"confidence":0.9781473,"punctuated_word":"retaining","sentiment":"neutral","sentiment_score":-0.07447762042284012},{"word":"those","start":192.265,"end":192.42499,"confidence":0.90082014,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.10931944102048874},{"word":"insurances","start":192.42499,"end":192.50499,"confidence":0.8797034,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.08921024203300476},{"word":"and","start":192.50499,"end":192.69,"confidence":0.5201974,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05776829272508621},{"word":"in","start":192.69,"end":193.19,"confidence":0.6241572,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.027620896697044373},{"word":"relation","start":195.41,"end":195.81,"confidence":0.987502,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":0.008926674723625183},{"word":"to","start":195.81,"end":195.97,"confidence":0.9983139,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.040417350828647614},{"word":"those","start":195.97,"end":196.29001,"confidence":0.9980567,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.048148855566978455},{"word":"now","start":196.29001,"end":196.69,"confidence":0.99947524,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.02286011353135109},{"word":"okay","start":196.69,"end":197.19,"confidence":0.99814373,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":-0.03644762188196182},{"word":"areas","start":199.01001,"end":199.41,"confidence":0.85309905,"punctuated_word":"Areas","sentiment":"neutral","sentiment_score":-0.13901157677173617},{"word":"that","start":199.41,"end":199.49,"confidence":0.99739516,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15206027030944824},{"word":"were","start":199.49,"end":199.73,"confidence":0.6018528,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.15662690997123718},{"word":"scoped","start":199.73,"end":200.05,"confidence":0.9932641,"punctuated_word":"scoped","sentiment":"neutral","sentiment_score":-0.12356437742710114},{"word":"out","start":200.05,"end":200.29001,"confidence":0.6544671,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1218315064907074},{"word":"is","start":200.29001,"end":200.45,"confidence":0.9873422,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11885569989681244},{"word":"regards","start":200.45,"end":200.95,"confidence":0.4531882,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.11020758748054504},{"word":"to","start":201.01001,"end":201.17,"confidence":0.98953843,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15980401635169983},{"word":"trauma","start":201.17,"end":201.65001,"confidence":0.9967818,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.19689294695854187},{"word":"and","start":201.65001,"end":201.89,"confidence":0.9973863,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.21375325322151184},{"word":"cash","start":201.89,"end":202.13,"confidence":0.9012022,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.16119909286499023},{"word":"on","start":202.13,"end":202.29001,"confidence":0.6132261,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1135142594575882},{"word":"budgeting","start":202.29001,"end":202.77,"confidence":0.9383238,"punctuated_word":"budgeting.","sentiment":"neutral","sentiment_score":-0.16436447203159332},{"word":"so","start":202.77,"end":202.85,"confidence":0.9977469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1731037199497223},{"word":"you","start":202.85,"end":203.01001,"confidence":0.995503,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16995862126350403},{"word":"were","start":203.01001,"end":203.17,"confidence":0.988789,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.1733456254005432},{"word":"trying","start":203.17,"end":203.49,"confidence":0.9914812,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.19134099781513217},{"word":"to","start":203.49,"end":203.65001,"confidence":0.99316823,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1317870020866394},{"word":"save","start":203.65001,"end":203.89,"confidence":0.9997485,"punctuated_word":"save","sentiment":"neutral","sentiment_score":-0.17648941278457642},{"word":"some","start":203.89,"end":204.05,"confidence":0.99962556,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.20578478276729584},{"word":"money","start":204.05,"end":204.29001,"confidence":0.99989295,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.138235941529274},{"word":"on","start":204.29001,"end":204.45,"confidence":0.99964035,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0464920699596405},{"word":"a","start":204.45,"end":204.53,"confidence":0.9988494,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03635673224925995},{"word":"regular","start":204.53,"end":204.93001,"confidence":0.99979097,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":-0.040701523423194885},{"word":"basis","start":204.93001,"end":205.25,"confidence":0.9913289,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":-0.055381111800670624},{"word":"i","start":205.25,"end":205.33,"confidence":0.99693453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2660943865776062},{"word":"know","start":205.33,"end":205.49,"confidence":0.9998154,"punctuated_word":"know","sentiment":"negative","sentiment_score":-0.357402503490448},{"word":"it","start":205.49,"end":205.65001,"confidence":0.9982823,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.32847076654434204},{"word":"has","start":205.65001,"end":205.81,"confidence":0.99855465,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.3763359785079956},{"word":"been","start":205.81,"end":206.05,"confidence":0.99832267,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.3323654234409332},{"word":"a","start":206.05,"end":206.13,"confidence":0.99847406,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.38867685198783875},{"word":"bit","start":206.13,"end":206.29001,"confidence":0.9991505,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.352177232503891},{"word":"difficult","start":206.29001,"end":206.77,"confidence":0.9992694,"punctuated_word":"difficult","sentiment":"negative","sentiment_score":-0.46336424350738525},{"word":"with","start":206.77,"end":207.25,"confidence":0.9987111,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.5095774531364441},{"word":"the","start":207.25,"end":207.41,"confidence":0.9886429,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.45287227630615234},{"word":"the","start":207.41,"end":207.57,"confidence":0.71374947,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4209942519664765},{"word":"way","start":207.57,"end":207.89,"confidence":0.7502246,"punctuated_word":"way,","sentiment":"negative","sentiment_score":-0.3811693787574768},{"word":"yeah","start":207.89,"end":208.13,"confidence":0.7773182,"punctuated_word":"yeah,","sentiment":"negative","sentiment_score":-0.4055596590042114},{"word":"every","start":208.13,"end":208.63,"confidence":0.9912377,"punctuated_word":"every","sentiment":"negative","sentiment_score":-0.4581071734428406},{"word":"cost","start":208.665,"end":208.825,"confidence":0.9875646,"punctuated_word":"cost","sentiment":"negative","sentiment_score":-0.3806802630424499},{"word":"of","start":208.825,"end":208.985,"confidence":0.9956864,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4415487349033356},{"word":"living","start":208.985,"end":209.14499,"confidence":0.99974924,"punctuated_word":"living","sentiment":"negative","sentiment_score":-0.5344108939170837},{"word":"has","start":209.14499,"end":209.385,"confidence":0.98098356,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.48240864276885986},{"word":"been","start":209.385,"end":209.625,"confidence":0.99948835,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.4922774136066437},{"word":"going","start":209.625,"end":210.125,"confidence":0.99257797,"punctuated_word":"going.","sentiment":"negative","sentiment_score":-0.4509168863296509},{"word":"we're","start":210.50499,"end":210.745,"confidence":0.8152992,"punctuated_word":"We're","sentiment":"negative","sentiment_score":-0.4056844711303711},{"word":"not","start":210.745,"end":210.905,"confidence":0.9999484,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3942052125930786},{"word":"making","start":210.905,"end":211.22499,"confidence":0.99992955,"punctuated_word":"making","sentiment":"negative","sentiment_score":-0.4296294152736664},{"word":"any","start":211.22499,"end":211.465,"confidence":0.99965405,"punctuated_word":"any","sentiment":"negative","sentiment_score":-0.4674626588821411},{"word":"additional","start":211.465,"end":211.86499,"confidence":0.99682045,"punctuated_word":"additional","sentiment":"negative","sentiment_score":-0.4801850914955139},{"word":"recommendations","start":211.86499,"end":212.36499,"confidence":0.984437,"punctuated_word":"recommendations","sentiment":"negative","sentiment_score":-0.4992627203464508},{"word":"or","start":212.58499,"end":212.745,"confidence":0.9892539,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.4907010495662689},{"word":"providing","start":212.745,"end":213.14499,"confidence":0.9891412,"punctuated_word":"providing","sentiment":"negative","sentiment_score":-0.4950648546218872},{"word":"advice","start":213.14499,"end":213.545,"confidence":0.98648596,"punctuated_word":"advice","sentiment":"negative","sentiment_score":-0.46077150106430054},{"word":"in","start":213.545,"end":213.70499,"confidence":0.9965881,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.43174290657043457},{"word":"the","start":213.70499,"end":213.78499,"confidence":0.93882364,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.42041832208633423},{"word":"way","start":213.78499,"end":213.86499,"confidence":0.9996767,"punctuated_word":"way","sentiment":"negative","sentiment_score":-0.4138023257255554},{"word":"of","start":213.86499,"end":214.025,"confidence":0.99862397,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4178155958652496},{"word":"cash","start":214.025,"end":214.265,"confidence":0.9776808,"punctuated_word":"cash","sentiment":"negative","sentiment_score":-0.36060830950737},{"word":"flow","start":214.265,"end":214.50499,"confidence":0.737266,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":-0.2651306092739105},{"word":"and","start":214.50499,"end":214.58499,"confidence":0.83757186,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3667359352111816},{"word":"budgeting","start":214.58499,"end":215.06499,"confidence":0.9998218,"punctuated_word":"budgeting","sentiment":"neutral","sentiment_score":-0.3123316168785095},{"word":"or","start":215.06499,"end":215.22499,"confidence":0.98318046,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.4234463274478912},{"word":"trauma","start":215.22499,"end":215.625,"confidence":0.9597773,"punctuated_word":"trauma","sentiment":"negative","sentiment_score":-0.4213860332965851},{"word":"insurances","start":215.625,"end":216.125,"confidence":0.91208726,"punctuated_word":"insurances.","sentiment":"negative","sentiment_score":-0.3685148954391479},{"word":"you","start":216.265,"end":216.50499,"confidence":0.6222979,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.3025590181350708},{"word":"were","start":216.50499,"end":216.665,"confidence":0.7834561,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.2561754286289215},{"word":"comfortable","start":216.665,"end":217.14499,"confidence":0.9985057,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.2713475227355957},{"word":"not","start":217.14499,"end":217.305,"confidence":0.9915549,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.3061877489089966},{"word":"having","start":217.305,"end":217.625,"confidence":0.9995993,"punctuated_word":"having","sentiment":"negative","sentiment_score":-0.37190911173820496},{"word":"trauma","start":217.625,"end":218.025,"confidence":0.9989686,"punctuated_word":"trauma","sentiment":"negative","sentiment_score":-0.3861027657985687},{"word":"at","start":218.025,"end":218.185,"confidence":0.9993437,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.3267349302768707},{"word":"this","start":218.185,"end":218.42499,"confidence":0.9999161,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.3219074606895447},{"word":"point","start":218.42499,"end":218.665,"confidence":0.9998202,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.31194382905960083},{"word":"in","start":218.665,"end":218.825,"confidence":0.9983045,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.27233803272247314},{"word":"time","start":218.825,"end":219.325,"confidence":0.92142236,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.28833794593811035},{"word":"we","start":219.625,"end":219.78499,"confidence":0.98789585,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.0240829735994339},{"word":"can","start":219.78499,"end":220.025,"confidence":0.99988496,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.04018169641494751},{"word":"look","start":220.025,"end":220.185,"confidence":0.9994802,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.10806407779455184},{"word":"and","start":220.185,"end":220.42499,"confidence":0.9989183,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.021852761507034305},{"word":"provide","start":220.42499,"end":220.745,"confidence":0.9999436,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.031750068068504333},{"word":"additional","start":220.745,"end":221.14499,"confidence":0.9981779,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.004852205514907837},{"word":"advice","start":221.14499,"end":221.465,"confidence":0.98987585,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.01913440227508545},{"word":"in","start":221.465,"end":221.625,"confidence":0.975896,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03458312153816223},{"word":"those","start":221.625,"end":221.86499,"confidence":0.9994493,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.01574280858039856},{"word":"areas","start":221.86499,"end":222.265,"confidence":0.99976474,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.014502912759780884},{"word":"down","start":222.265,"end":222.50499,"confidence":0.99937904,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.13491660356521606},{"word":"the","start":222.50499,"end":222.58499,"confidence":0.9991303,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06869065016508102},{"word":"track","start":222.58499,"end":222.825,"confidence":0.99834204,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.07801888883113861},{"word":"if","start":222.825,"end":222.98499,"confidence":0.94946855,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03105248510837555},{"word":"you","start":222.98499,"end":223.14499,"confidence":0.99914837,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.021788090467453003},{"word":"would","start":223.14499,"end":223.385,"confidence":0.9988422,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.006419733166694641},{"word":"like","start":223.385,"end":223.625,"confidence":0.99832696,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.015768349170684814},{"word":"us","start":223.625,"end":223.86499,"confidence":0.99647576,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.02373930811882019},{"word":"to","start":223.86499,"end":224.36499,"confidence":0.7472215,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.046188898384571075},{"word":"you're","start":224.52,"end":224.76001,"confidence":0.9763206,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.019043397158384323},{"word":"right","start":224.76001,"end":225.26001,"confidence":0.94310194,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.021265557035803795},{"word":"sorry","start":227.72,"end":228.12001,"confidence":0.96572006,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.31878626346588135},{"word":"so","start":228.12001,"end":228.44,"confidence":0.97011703,"punctuated_word":"So","sentiment":"negative","sentiment_score":-0.4007458686828614},{"word":"trauma","start":228.44,"end":228.84,"confidence":0.96277386,"punctuated_word":"trauma","sentiment":"negative","sentiment_score":-0.36824679374694824},{"word":"is","start":228.84,"end":229.0,"confidence":0.6774126,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.4620356559753418},{"word":"an","start":229.0,"end":229.16,"confidence":0.9957818,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.3807413876056671},{"word":"out","start":229.16,"end":229.32,"confidence":0.9973889,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.42647606134414673},{"word":"of","start":229.32,"end":229.40001,"confidence":0.99665546,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5077927112579346},{"word":"pocket","start":229.40001,"end":229.8,"confidence":0.9993505,"punctuated_word":"pocket","sentiment":"negative","sentiment_score":-0.5040940046310425},{"word":"cost","start":229.8,"end":230.3,"confidence":0.94759357,"punctuated_word":"cost,","sentiment":"negative","sentiment_score":-0.3484179973602295},{"word":"and","start":230.44,"end":230.68001,"confidence":0.76849765,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.21879425644874573},{"word":"it","start":230.68001,"end":230.76001,"confidence":0.99973935,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1144035905599594},{"word":"covers","start":230.76001,"end":231.08,"confidence":0.99953735,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":-0.1278463453054428},{"word":"you","start":231.08,"end":231.32,"confidence":0.9893986,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1590962111949921},{"word":"for","start":231.32,"end":231.48001,"confidence":0.4566983,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.13228550553321838},{"word":"things","start":231.48001,"end":231.8,"confidence":0.99756145,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.19089871644973755},{"word":"like","start":231.8,"end":232.3,"confidence":0.9250057,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.2116309106349945},{"word":"heart","start":232.76001,"end":233.0,"confidence":0.96288335,"punctuated_word":"heart","sentiment":"neutral","sentiment_score":-0.1560266762971878},{"word":"attacks","start":233.0,"end":233.48001,"confidence":0.85051805,"punctuated_word":"attacks,","sentiment":"neutral","sentiment_score":-0.16521772742271423},{"word":"certain","start":233.48001,"end":233.8,"confidence":0.96573526,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":-0.23560142517089844},{"word":"strokes","start":233.8,"end":234.28,"confidence":0.97616345,"punctuated_word":"strokes,","sentiment":"neutral","sentiment_score":-0.23390695452690125},{"word":"parkinson's","start":234.28,"end":234.78,"confidence":0.99611014,"punctuated_word":"Parkinson's,","sentiment":"neutral","sentiment_score":-0.2510976791381836},{"word":"neurological","start":234.92,"end":235.42,"confidence":0.9978422,"punctuated_word":"neurological","sentiment":"neutral","sentiment_score":-0.20275402069091797},{"word":"conditions","start":235.64,"end":236.12001,"confidence":0.7750982,"punctuated_word":"conditions,","sentiment":"neutral","sentiment_score":-0.23086152970790863},{"word":"cancer's","start":236.12001,"end":236.6,"confidence":0.8428962,"punctuated_word":"cancer's","sentiment":"neutral","sentiment_score":-0.23218517005443573},{"word":"probably","start":236.6,"end":236.92,"confidence":0.9943673,"punctuated_word":"probably","sentiment":"negative","sentiment_score":-0.3642961382865906},{"word":"a","start":236.92,"end":237.08,"confidence":0.99148846,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2980695962905884},{"word":"big","start":237.08,"end":237.24,"confidence":0.9992867,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.23486362397670743},{"word":"one","start":237.24,"end":237.74,"confidence":0.99756896,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.2014361023902893},{"word":"you","start":238.245,"end":238.485,"confidence":0.98859745,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.02925869822502136},{"word":"can","start":238.485,"end":238.725,"confidence":0.9999342,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07635524868965149},{"word":"be","start":238.725,"end":239.045,"confidence":0.9997086,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07580950111150742},{"word":"covered","start":239.045,"end":239.525,"confidence":0.99973947,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.07996533066034317},{"word":"for","start":239.525,"end":240.005,"confidence":0.9997509,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06750157475471497},{"word":"as","start":240.005,"end":240.245,"confidence":0.9995596,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07855760306119919},{"word":"little","start":240.245,"end":240.645,"confidence":0.9997054,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.0775131955742836},{"word":"as","start":240.645,"end":240.965,"confidence":0.9984075,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.06125940755009651},{"word":"you","start":240.965,"end":241.125,"confidence":0.99994516,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005892552435398102},{"word":"know","start":241.125,"end":241.44499,"confidence":0.9999312,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.046101879328489304},{"word":"$50,000","start":241.44499,"end":242.565,"confidence":0.9074205,"punctuated_word":"$50,000,","sentiment":"neutral","sentiment_score":0.10586190223693848},{"word":"or","start":242.565,"end":242.645,"confidence":0.99966884,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08684906363487244},{"word":"you","start":242.645,"end":242.805,"confidence":0.99995136,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09435537457466124},{"word":"can","start":242.805,"end":242.965,"confidence":0.99976856,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07488293200731277},{"word":"have","start":242.965,"end":243.285,"confidence":0.9999201,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08440098911523819},{"word":"a","start":243.285,"end":243.365,"confidence":0.9986557,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06472983956336975},{"word":"certain","start":243.365,"end":243.685,"confidence":0.9860939,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.0679069384932518},{"word":"amount","start":243.685,"end":244.005,"confidence":0.9997563,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.08119568973779678},{"word":"to","start":244.005,"end":244.165,"confidence":0.9778266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05261152982711792},{"word":"cover","start":244.165,"end":244.665,"confidence":0.99995816,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.07348479330539703},{"word":"any","start":244.805,"end":245.045,"confidence":0.9923977,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.15056666731834412},{"word":"particular","start":245.045,"end":245.545,"confidence":0.99970335,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":0.12829358875751495},{"word":"goal","start":245.925,"end":246.245,"confidence":0.9933082,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.0541088804602623},{"word":"you","start":246.245,"end":246.405,"confidence":0.9995542,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09491518139839172},{"word":"have","start":246.405,"end":246.565,"confidence":0.95720273,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.09183569997549056},{"word":"whether","start":246.565,"end":246.805,"confidence":0.99959904,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.09728298336267471},{"word":"it","start":246.805,"end":246.965,"confidence":0.99596703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11002251505851746},{"word":"be","start":246.965,"end":247.045,"confidence":0.7790236,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10531295835971832},{"word":"your","start":247.045,"end":247.205,"confidence":0.7823417,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08831887692213058},{"word":"mortgage","start":247.205,"end":247.605,"confidence":0.9999019,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.08593150228261948},{"word":"or","start":247.605,"end":247.845,"confidence":0.98290116,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08933111280202866},{"word":"just","start":247.845,"end":248.005,"confidence":0.9990621,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03140229731798172},{"word":"a","start":248.005,"end":248.08499,"confidence":0.9991208,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010273918509483336},{"word":"couple","start":248.08499,"end":248.405,"confidence":0.99993217,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.059732526540756226},{"word":"of","start":248.405,"end":248.565,"confidence":0.9650896,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030201420187950134},{"word":"years","start":248.565,"end":248.805,"confidence":0.9996246,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.03081599622964859},{"word":"of","start":248.805,"end":249.045,"confidence":0.99942315,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.021517932415008545},{"word":"income","start":249.045,"end":249.545,"confidence":0.9997689,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.005928531289100647},{"word":"replacement","start":249.605,"end":250.105,"confidence":0.98501563,"punctuated_word":"replacement.","sentiment":"neutral","sentiment_score":-0.11318650096654892},{"word":"it","start":250.6,"end":250.84,"confidence":0.88898355,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.25635573267936707},{"word":"is","start":250.84,"end":250.92,"confidence":0.97819257,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.24160999059677124},{"word":"an","start":250.92,"end":251.16,"confidence":0.9941379,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.1671808362007141},{"word":"out","start":251.16,"end":251.32,"confidence":0.98667973,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.23049664497375488},{"word":"of","start":251.32,"end":251.40001,"confidence":0.9916569,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.25296345353126526},{"word":"pocket","start":251.40001,"end":251.72,"confidence":0.6295849,"punctuated_word":"pocket.","sentiment":"neutral","sentiment_score":-0.2584027051925659},{"word":"it","start":251.72,"end":251.8,"confidence":0.97804046,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.17885175347328186},{"word":"cost","start":251.8,"end":251.96,"confidence":0.69145197,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.12097640335559844},{"word":"when","start":251.96,"end":252.12,"confidence":0.54138875,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.12281831353902815},{"word":"we","start":252.12,"end":252.36,"confidence":0.9968849,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11340726912021636},{"word":"spoke","start":252.36,"end":252.6,"confidence":0.9993838,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":-0.05393753945827484},{"word":"last","start":252.6,"end":252.76001,"confidence":0.99663615,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.06108420342206955},{"word":"time","start":252.76001,"end":253.0,"confidence":0.9996032,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.1538931429386139},{"word":"you","start":253.0,"end":253.16,"confidence":0.6743286,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14585618674755096},{"word":"didn't","start":253.16,"end":253.40001,"confidence":0.9998785,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.12501846253871918},{"word":"really","start":253.40001,"end":253.56,"confidence":0.99978024,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.170058935880661},{"word":"wanna","start":253.56,"end":253.8,"confidence":0.9954514,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.195395827293396},{"word":"look","start":253.8,"end":254.04001,"confidence":0.99943095,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.2108957916498184},{"word":"at","start":254.04001,"end":254.2,"confidence":0.99061894,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2284393608570099},{"word":"doing","start":254.2,"end":254.44,"confidence":0.9991423,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.2165204882621765},{"word":"that","start":254.44,"end":254.94,"confidence":0.89067656,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.16179129481315613},{"word":"but","start":255.48,"end":255.72,"confidence":0.95184404,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1319117695093155},{"word":"if","start":255.72,"end":255.8,"confidence":0.9993193,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3540763854980469},{"word":"you","start":255.8,"end":255.96,"confidence":0.9998665,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4026883840560913},{"word":"do","start":255.96,"end":256.2,"confidence":0.9890863,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.312460333108902},{"word":"wanna","start":256.2,"end":256.52,"confidence":0.6234742,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.4308646321296692},{"word":"down","start":256.52,"end":256.68,"confidence":0.6211096,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.43311807513237},{"word":"the","start":256.68,"end":256.84,"confidence":0.97418416,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3921240568161011},{"word":"track","start":256.84,"end":257.08002,"confidence":0.9937228,"punctuated_word":"track,","sentiment":"positive","sentiment_score":0.3899647295475006},{"word":"you","start":257.08002,"end":257.32,"confidence":0.9938684,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4751633405685425},{"word":"absolutely","start":257.32,"end":257.8,"confidence":0.9993401,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.4981136023998261},{"word":"can","start":257.8,"end":258.04,"confidence":0.98860025,"punctuated_word":"can.","sentiment":"positive","sentiment_score":0.41559362411499023},{"word":"we","start":258.04,"end":258.2,"confidence":0.99977976,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.31958141922950745},{"word":"can","start":258.2,"end":258.44,"confidence":0.9997696,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3545204699039459},{"word":"talk","start":258.44,"end":258.68,"confidence":0.9997758,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.3622535765171051},{"word":"about","start":258.68,"end":258.92,"confidence":0.99985826,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.3900311887264252},{"word":"it","start":258.92,"end":259.08002,"confidence":0.9445283,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.3680106997489929},{"word":"and","start":259.08002,"end":259.32,"confidence":0.9998456,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27107688784599304},{"word":"we","start":259.32,"end":259.4,"confidence":0.9999325,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.27550894021987915},{"word":"can","start":259.4,"end":259.64,"confidence":0.9997253,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3155555725097656},{"word":"always","start":259.64,"end":259.88,"confidence":0.9993249,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.3165421187877655},{"word":"update","start":259.88,"end":260.12,"confidence":0.9427094,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.2503012418746948},{"word":"the","start":260.12,"end":260.28,"confidence":0.99267817,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2755948305130005},{"word":"advice","start":260.28,"end":260.68,"confidence":0.97234446,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.247956320643425},{"word":"to","start":260.68,"end":260.84,"confidence":0.9793652,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23708167672157288},{"word":"reflect","start":260.84,"end":261.34,"confidence":0.9975351,"punctuated_word":"reflect.","sentiment":"neutral","sentiment_score":0.24756869673728943},{"word":"it's","start":261.4,"end":261.56,"confidence":0.99123514,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2215092182159424},{"word":"up","start":261.56,"end":261.72,"confidence":0.9998703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.24020551145076752},{"word":"to","start":261.72,"end":261.88,"confidence":0.9996094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22832760214805603},{"word":"you","start":261.88,"end":262.38,"confidence":0.9989616,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.19455847144126892},{"word":"yeah","start":265.25497,"end":265.655,"confidence":0.8861523,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022058650851249695},{"word":"that's","start":265.655,"end":265.97498,"confidence":0.94386387,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.17321205139160156},{"word":"okay","start":265.97498,"end":266.47498,"confidence":0.99796486,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2426931709051132},{"word":"it's","start":266.615,"end":266.935,"confidence":0.99682647,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.30198150873184204},{"word":"not","start":266.935,"end":267.25497,"confidence":0.99988496,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2567023038864136},{"word":"a","start":267.25497,"end":267.335,"confidence":0.99965227,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.257201224565506},{"word":"problem","start":267.335,"end":267.735,"confidence":0.999915,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.2832132875919342},{"word":"at","start":267.735,"end":267.895,"confidence":0.99980515,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3312975764274597},{"word":"all","start":267.895,"end":268.395,"confidence":0.99979484,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.30008184909820557},{"word":"this","start":269.25497,"end":269.495,"confidence":0.73062164,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.19464680552482605},{"word":"is","start":269.495,"end":269.655,"confidence":0.9998518,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15550044178962708},{"word":"a","start":269.655,"end":269.81497,"confidence":0.9996012,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17904071509838104},{"word":"limited","start":269.81497,"end":270.31497,"confidence":0.99993885,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":0.15987658500671387},{"word":"advice","start":270.375,"end":270.775,"confidence":0.9695358,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.13911329209804535},{"word":"document","start":270.775,"end":271.25497,"confidence":0.84659445,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.1502397060394287},{"word":"so","start":271.25497,"end":271.41498,"confidence":0.9991314,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11662544310092926},{"word":"we","start":271.41498,"end":271.57498,"confidence":0.99987304,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13407137989997864},{"word":"do","start":271.57498,"end":271.81497,"confidence":0.9958171,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16561639308929443},{"word":"scope","start":271.81497,"end":272.055,"confidence":0.95097363,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":0.18039441108703613},{"word":"in","start":272.055,"end":272.215,"confidence":0.9600163,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18447460234165192},{"word":"and","start":272.215,"end":272.375,"confidence":0.64876544,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1654837131500244},{"word":"out","start":272.375,"end":272.53497,"confidence":0.8825022,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1749761402606964},{"word":"areas","start":272.53497,"end":272.85498,"confidence":0.99745697,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.16384288668632507},{"word":"that","start":272.85498,"end":273.09497,"confidence":0.9994691,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16154620051383972},{"word":"we","start":273.09497,"end":273.25497,"confidence":0.99976784,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15343661606311798},{"word":"are","start":273.25497,"end":273.41498,"confidence":0.9997209,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16071122884750366},{"word":"providing","start":273.41498,"end":273.895,"confidence":0.9998491,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":0.1422005444765091},{"word":"advice","start":273.895,"end":274.375,"confidence":0.99208236,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.11505727469921112},{"word":"on","start":274.375,"end":274.53497,"confidence":0.99941826,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1090807393193245},{"word":"and","start":274.53497,"end":274.775,"confidence":0.93314713,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11323460936546326},{"word":"those","start":274.775,"end":275.01498,"confidence":0.99755293,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09338440746068954},{"word":"that","start":275.01498,"end":275.175,"confidence":0.99778,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05104343593120575},{"word":"we","start":275.175,"end":275.335,"confidence":0.9994929,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.030508674681186676},{"word":"are","start":275.335,"end":275.495,"confidence":0.99954045,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05689763277769089},{"word":"not","start":275.495,"end":275.97,"confidence":0.99674046,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":0.10515262931585312},{"word":"i'll","start":276.21,"end":276.45,"confidence":0.99278224,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.18274247646331787},{"word":"get","start":276.45,"end":276.61002,"confidence":0.9998266,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1548524647951126},{"word":"you","start":276.61002,"end":276.77,"confidence":0.9997633,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.173680379986763},{"word":"to","start":276.77,"end":276.85,"confidence":0.9988181,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16231557726860046},{"word":"have","start":276.85,"end":277.09,"confidence":0.9990404,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12461229413747787},{"word":"a","start":277.09,"end":277.17,"confidence":0.91662407,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13167504966259003},{"word":"read","start":277.17,"end":277.41,"confidence":0.49381122,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.13751749694347382},{"word":"to","start":277.41,"end":277.49,"confidence":0.84557337,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11508210003376008},{"word":"that","start":277.49,"end":277.73,"confidence":0.99895585,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1330242156982422},{"word":"document","start":277.73,"end":278.13,"confidence":0.99956244,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.08718106150627136},{"word":"prior","start":278.13,"end":278.45,"confidence":0.9817245,"punctuated_word":"prior","sentiment":"neutral","sentiment_score":0.14898809790611267},{"word":"to","start":278.45,"end":278.53,"confidence":0.9882714,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1334087699651718},{"word":"signing","start":278.53,"end":278.85,"confidence":0.9976736,"punctuated_word":"signing","sentiment":"neutral","sentiment_score":0.09702682495117188},{"word":"it","start":278.85,"end":279.09,"confidence":0.99308604,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1407579630613327},{"word":"if","start":279.09,"end":279.17,"confidence":0.99957424,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.24921216070652008},{"word":"you","start":279.17,"end":279.33,"confidence":0.99956006,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20375153422355652},{"word":"do","start":279.33,"end":279.49,"confidence":0.99958354,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1746251881122589},{"word":"find","start":279.49,"end":279.81,"confidence":0.99810994,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.14497077465057373},{"word":"you","start":279.81,"end":279.89,"confidence":0.9785422,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18723569810390472},{"word":"have","start":279.89,"end":280.13,"confidence":0.99972683,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16653934121131897},{"word":"additional","start":280.13,"end":280.53,"confidence":0.9997042,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.12204411625862122},{"word":"questions","start":280.53,"end":280.93,"confidence":0.99845207,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.159959077835083},{"word":"you","start":280.93,"end":281.09,"confidence":0.9999118,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22670455276966095},{"word":"are","start":281.09,"end":281.33,"confidence":0.9997813,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.19797652959823608},{"word":"welcome","start":281.33,"end":281.65,"confidence":0.9990145,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.24192148447036743},{"word":"to","start":281.65,"end":281.81,"confidence":0.99934274,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19381308555603027},{"word":"let","start":281.81,"end":282.05,"confidence":0.9998846,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.15021005272865295},{"word":"me","start":282.05,"end":282.13,"confidence":0.999772,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.15127535164356232},{"word":"know","start":282.13,"end":282.37,"confidence":0.9997875,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.14153039455413818},{"word":"there","start":282.37,"end":282.77,"confidence":0.9229802,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.14381377398967743},{"word":"okay","start":282.77,"end":283.27,"confidence":0.98763585,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.11455755680799484},{"word":"when","start":284.29,"end":284.53,"confidence":0.9204778,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.08650083094835281},{"word":"it","start":284.53,"end":284.69,"confidence":0.9994936,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11215923726558684},{"word":"comes","start":284.69,"end":285.01,"confidence":0.99966884,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.0837491974234581},{"word":"to","start":285.01,"end":285.17,"confidence":0.99334323,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08701357245445251},{"word":"this","start":285.17,"end":285.65,"confidence":0.85088897,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0857088714838028},{"word":"working","start":285.65,"end":286.13,"confidence":0.7521521,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.10952909290790558},{"word":"of","start":286.13,"end":286.37,"confidence":0.9740932,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0940413624048233},{"word":"as","start":286.37,"end":286.61,"confidence":0.467029,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06875374913215637},{"word":"a","start":286.61,"end":286.77,"confidence":0.6984966,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08125936985015869},{"word":"will","start":286.77,"end":287.01,"confidence":0.9927522,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07815201580524445},{"word":"and","start":287.01,"end":287.17,"confidence":0.8891971,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05410989746451378},{"word":"power","start":287.17,"end":287.41,"confidence":0.9915019,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.08059338480234146},{"word":"of","start":287.41,"end":287.49,"confidence":0.98613596,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05808297172188759},{"word":"attorney","start":287.49,"end":287.89,"confidence":0.99947697,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.04958455264568329},{"word":"and","start":287.89,"end":287.97,"confidence":0.97171944,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0747753232717514},{"word":"things","start":287.97,"end":288.21,"confidence":0.9994735,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07305695116519928},{"word":"like","start":288.21,"end":288.37,"confidence":0.9961073,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.045926351100206375},{"word":"that","start":288.37,"end":288.61,"confidence":0.99821013,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.09497501701116562},{"word":"we","start":288.61,"end":288.69,"confidence":0.9966552,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1295192986726761},{"word":"can","start":288.69,"end":288.93,"confidence":0.9966844,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1324193775653839},{"word":"refer","start":288.93,"end":289.33,"confidence":0.99359506,"punctuated_word":"refer","sentiment":"neutral","sentiment_score":0.08821063488721848},{"word":"you","start":289.33,"end":289.515,"confidence":0.9815957,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.133152037858963},{"word":"a","start":289.595,"end":289.755,"confidence":0.4618157,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09062445163726808},{"word":"solicitor","start":289.755,"end":290.15503,"confidence":0.99725693,"punctuated_word":"solicitor","sentiment":"neutral","sentiment_score":0.0935203954577446},{"word":"for","start":290.15503,"end":290.39502,"confidence":0.9820176,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10466969013214111},{"word":"the","start":290.39502,"end":290.475,"confidence":0.9933137,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0734252855181694},{"word":"drafting","start":290.475,"end":290.795,"confidence":0.99958295,"punctuated_word":"drafting","sentiment":"neutral","sentiment_score":0.06783993542194366},{"word":"of","start":290.795,"end":290.95502,"confidence":0.9992798,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0507710799574852},{"word":"those","start":290.95502,"end":291.195,"confidence":0.9561488,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.05371162295341492},{"word":"documents","start":291.195,"end":291.695,"confidence":0.9902616,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.04867404326796532},{"word":"however","start":291.755,"end":292.23502,"confidence":0.91049397,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.001818571239709854},{"word":"we","start":292.23502,"end":292.475,"confidence":0.99985254,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.031123369932174683},{"word":"are","start":292.475,"end":292.55502,"confidence":0.9992624,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.02399938553571701},{"word":"not","start":292.55502,"end":293.05502,"confidence":0.9995789,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0750725120306015},{"word":"solicited","start":293.43503,"end":293.915,"confidence":0.7329328,"punctuated_word":"solicited,","sentiment":"neutral","sentiment_score":-0.05541110038757324},{"word":"so","start":293.915,"end":294.075,"confidence":0.9979658,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.07979501038789749},{"word":"we","start":294.075,"end":294.23502,"confidence":0.99942756,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.034462593495845795},{"word":"can't","start":294.23502,"end":294.635,"confidence":0.9928619,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.024436190724372864},{"word":"draft","start":294.635,"end":294.95502,"confidence":0.9936737,"punctuated_word":"draft","sentiment":"neutral","sentiment_score":-0.020808793604373932},{"word":"them","start":294.95502,"end":295.195,"confidence":0.9981791,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.014463454484939575},{"word":"for","start":295.195,"end":295.355,"confidence":0.999853,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02575788646936417},{"word":"you","start":295.355,"end":295.855,"confidence":0.99976957,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.018975593149662014},{"word":"we","start":296.075,"end":296.23502,"confidence":0.9915666,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.12202983349561693},{"word":"do","start":296.23502,"end":296.39502,"confidence":0.9985322,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11936304718255995},{"word":"provide","start":296.39502,"end":296.795,"confidence":0.99983823,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.09679462015628816},{"word":"advice","start":296.795,"end":297.195,"confidence":0.9809871,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.09220091253519058},{"word":"around","start":297.195,"end":297.515,"confidence":0.99407566,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.07470129430294037},{"word":"insurances","start":297.515,"end":298.015,"confidence":0.98257023,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.0353301502764225},{"word":"like","start":298.075,"end":298.315,"confidence":0.6568156,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05393195152282715},{"word":"life","start":298.315,"end":298.55502,"confidence":0.5881236,"punctuated_word":"life,","sentiment":"neutral","sentiment_score":0.05327388271689415},{"word":"safety","start":298.55502,"end":298.95502,"confidence":0.5551188,"punctuated_word":"safety,","sentiment":"neutral","sentiment_score":0.03248051553964615},{"word":"and","start":298.95502,"end":299.11502,"confidence":0.99726343,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03914020955562592},{"word":"income","start":299.11502,"end":299.515,"confidence":0.993856,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.05461342632770538},{"word":"protection","start":299.515,"end":300.015,"confidence":0.98809934,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.04719477519392967},{"word":"however","start":300.075,"end":300.475,"confidence":0.99975604,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.03874829038977623},{"word":"we","start":300.475,"end":300.635,"confidence":0.9998876,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.041813403367996216},{"word":"don't","start":300.635,"end":300.95502,"confidence":0.99976027,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05814855918288231},{"word":"cover","start":300.95502,"end":301.27502,"confidence":0.99989986,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.06091035157442093},{"word":"insurances","start":301.27502,"end":301.77502,"confidence":0.99420404,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.07663565129041672},{"word":"around","start":301.83502,"end":302.23502,"confidence":0.9970989,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.06193738430738449},{"word":"home","start":302.23502,"end":302.73502,"confidence":0.76988596,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.08413372933864594},{"word":"motor","start":302.795,"end":303.295,"confidence":0.7009784,"punctuated_word":"motor,","sentiment":"neutral","sentiment_score":-0.042108386754989624},{"word":"home","start":303.80002,"end":303.96002,"confidence":0.9799799,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.05742807686328888},{"word":"incontents","start":303.96002,"end":304.46002,"confidence":0.8017091,"punctuated_word":"incontents,","sentiment":"neutral","sentiment_score":-0.05633631348609924},{"word":"and","start":304.68002,"end":304.84,"confidence":0.9926795,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07330280542373657},{"word":"certain","start":304.84,"end":305.16,"confidence":0.97544134,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":-0.06893262267112732},{"word":"business","start":305.16,"end":305.56,"confidence":0.9851341,"punctuated_word":"business","sentiment":"neutral","sentiment_score":-0.06303787231445312},{"word":"liability","start":305.56,"end":306.06,"confidence":0.98054343,"punctuated_word":"liability","sentiment":"neutral","sentiment_score":-0.04390347748994827},{"word":"insurances","start":306.2,"end":306.68002,"confidence":0.9160257,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":-0.055483378469944},{"word":"they're","start":306.68002,"end":306.92,"confidence":0.9819137,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.01443957071751356},{"word":"more","start":306.92,"end":307.24002,"confidence":0.99944943,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.006727941334247589},{"word":"general","start":307.24002,"end":307.74002,"confidence":0.9478137,"punctuated_word":"general,","sentiment":"neutral","sentiment_score":0.024314016103744507},{"word":"and","start":308.2,"end":308.36002,"confidence":0.7646414,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03963589668273926},{"word":"we","start":308.36002,"end":308.44,"confidence":0.99788433,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08238811045885086},{"word":"can","start":308.44,"end":308.76,"confidence":0.99986076,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10838465392589568},{"word":"refer","start":308.76,"end":309.0,"confidence":0.9992392,"punctuated_word":"refer","sentiment":"neutral","sentiment_score":0.042267121374607086},{"word":"you","start":309.0,"end":309.24002,"confidence":0.99861515,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07210513949394226},{"word":"to","start":309.24002,"end":309.40002,"confidence":0.99796873,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03654620051383972},{"word":"a","start":309.40002,"end":309.64,"confidence":0.9996797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04995197430253029},{"word":"general","start":309.64,"end":310.14,"confidence":0.99988616,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.05739603936672211},{"word":"insurance","start":310.2,"end":310.68002,"confidence":0.9997211,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.01921619474887848},{"word":"broker","start":310.68002,"end":311.0,"confidence":0.99192727,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":0.020303353667259216},{"word":"should","start":311.0,"end":311.24002,"confidence":0.92265445,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.06789223849773407},{"word":"you","start":311.24002,"end":311.40002,"confidence":0.99703455,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01975873112678528},{"word":"need","start":311.40002,"end":311.56,"confidence":0.99989855,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.01021476835012436},{"word":"one","start":311.56,"end":312.06,"confidence":0.9915037,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.015483338385820389},{"word":"and","start":312.92,"end":313.08002,"confidence":0.962765,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1311286985874176},{"word":"it's","start":313.08002,"end":313.40002,"confidence":0.99959326,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.11986248195171356},{"word":"also","start":313.40002,"end":313.72,"confidence":0.99251693,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11976923048496246},{"word":"important","start":313.72,"end":314.12,"confidence":0.99944633,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.081260085105896},{"word":"that","start":314.12,"end":314.2,"confidence":0.45119992,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16123822331428528},{"word":"i","start":314.2,"end":314.28,"confidence":0.39923733,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12812066078186035},{"word":"do","start":314.28,"end":314.44,"confidence":0.9930734,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11923240125179292},{"word":"know","start":314.44,"end":314.68002,"confidence":0.5908175,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1479456126689911},{"word":"that","start":314.68002,"end":314.76,"confidence":0.9893811,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15674333274364471},{"word":"we","start":314.76,"end":314.92,"confidence":0.99834573,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1373491883277893},{"word":"can","start":314.92,"end":315.16,"confidence":0.96862364,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.14080582559108734},{"word":"under","start":315.16,"end":315.40002,"confidence":0.9996836,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.15404945611953735},{"word":"our","start":315.40002,"end":315.56,"confidence":0.99709725,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.15044812858104706},{"word":"license","start":315.56,"end":316.035,"confidence":0.9723486,"punctuated_word":"license,","sentiment":"neutral","sentiment_score":0.13627135753631592},{"word":"provide","start":316.115,"end":316.515,"confidence":0.998933,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.12858158349990845},{"word":"tax","start":316.515,"end":316.755,"confidence":0.9994223,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1648276448249817},{"word":"financial","start":316.755,"end":317.23502,"confidence":0.9947189,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.05933563411235809},{"word":"advice","start":317.23502,"end":317.635,"confidence":0.9780639,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.10125406831502914},{"word":"however","start":317.635,"end":317.95502,"confidence":0.99972314,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.037506572902202606},{"word":"we're","start":317.95502,"end":318.115,"confidence":0.9991259,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.04366905614733696},{"word":"not","start":318.115,"end":318.355,"confidence":0.9988783,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.003830067813396454},{"word":"accountants","start":318.355,"end":318.835,"confidence":0.78937644,"punctuated_word":"accountants,","sentiment":"neutral","sentiment_score":-0.006492014043033123},{"word":"so","start":318.835,"end":318.995,"confidence":0.99611974,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0012362226843833923},{"word":"we","start":318.995,"end":319.075,"confidence":0.9998549,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05845428258180618},{"word":"can","start":319.075,"end":319.315,"confidence":0.9997694,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0571724995970726},{"word":"refer","start":319.315,"end":319.555,"confidence":0.99909925,"punctuated_word":"refer","sentiment":"neutral","sentiment_score":0.03865288943052292},{"word":"you","start":319.555,"end":319.715,"confidence":0.999134,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05726155638694763},{"word":"to","start":319.715,"end":319.875,"confidence":0.9981902,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.043098293244838715},{"word":"an","start":319.875,"end":320.035,"confidence":0.99930274,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06701087206602097},{"word":"accountant","start":320.035,"end":320.435,"confidence":0.6807404,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":0.033488452434539795},{"word":"should","start":320.435,"end":320.67502,"confidence":0.93356687,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.08723440021276474},{"word":"you","start":320.67502,"end":320.835,"confidence":0.98752975,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.041101500391960144},{"word":"need","start":320.835,"end":320.995,"confidence":0.99970067,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.048283666372299194},{"word":"one","start":320.995,"end":321.495,"confidence":0.8046116,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.016273245215415955},{"word":"but","start":321.635,"end":321.875,"confidence":0.9079085,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.005650311708450317},{"word":"we","start":321.875,"end":321.95502,"confidence":0.999879,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05525081604719162},{"word":"don't","start":321.95502,"end":322.195,"confidence":0.9996364,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.02514464035630226},{"word":"do","start":322.195,"end":322.355,"confidence":0.9903019,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.008545912802219391},{"word":"your","start":322.355,"end":322.515,"confidence":0.9881572,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.016024328768253326},{"word":"tax","start":322.515,"end":322.835,"confidence":0.99241006,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.010079242289066316},{"word":"return","start":322.835,"end":323.23502,"confidence":0.96195906,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.010117702186107635},{"word":"for","start":323.23502,"end":323.475,"confidence":0.99954945,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.019635461270809177},{"word":"you","start":323.475,"end":323.95502,"confidence":0.9996823,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.007314607501029968},{"word":"okay","start":323.95502,"end":324.45502,"confidence":0.94422877,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.10270177572965622},{"word":"beautiful","start":325.395,"end":325.895,"confidence":0.99903834,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4761929214000702},{"word":"as","start":326.195,"end":326.355,"confidence":0.9528093,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.2436205148696899},{"word":"you're","start":326.355,"end":326.595,"confidence":0.99895406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.23085618019104004},{"word":"going","start":326.595,"end":326.835,"confidence":0.9997353,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.24766194820404053},{"word":"through","start":326.835,"end":327.075,"confidence":0.99960476,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.24037139117717743},{"word":"that","start":327.075,"end":327.155,"confidence":0.99945813,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1323675811290741},{"word":"one","start":327.155,"end":327.395,"confidence":0.99679315,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.1403677463531494},{"word":"you'll","start":327.395,"end":327.635,"confidence":0.9997325,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.16814059019088745},{"word":"see","start":327.635,"end":327.875,"confidence":0.99688596,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.22152107954025269},{"word":"we","start":327.875,"end":328.035,"confidence":0.9722515,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.20612218976020813},{"word":"have","start":328.035,"end":328.195,"confidence":0.99967325,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16560286283493042},{"word":"got","start":328.195,"end":328.435,"confidence":0.99889284,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.17595845460891724},{"word":"your","start":328.435,"end":328.595,"confidence":0.997883,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15253262221813202},{"word":"assets","start":328.595,"end":328.915,"confidence":0.95867866,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.115656740963459},{"word":"and","start":328.915,"end":328.995,"confidence":0.9808173,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13778504729270935},{"word":"liabilities","start":328.995,"end":329.495,"confidence":0.9994423,"punctuated_word":"liabilities","sentiment":"neutral","sentiment_score":0.0847296491265297},{"word":"noted","start":329.635,"end":329.95502,"confidence":0.9982324,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.18791338801383972},{"word":"there","start":329.95502,"end":330.195,"confidence":0.9876046,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1539352834224701},{"word":"just","start":330.195,"end":330.42,"confidence":0.96559036,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.11006641387939452},{"word":"when","start":330.42,"end":330.58002,"confidence":0.87258255,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08710921555757523},{"word":"you","start":330.58002,"end":330.74002,"confidence":0.9830957,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10268302261829376},{"word":"rise","start":330.74002,"end":330.90002,"confidence":0.51378167,"punctuated_word":"rise","sentiment":"neutral","sentiment_score":0.09646163880825044},{"word":"over","start":330.90002,"end":331.14,"confidence":0.9395227,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.08765523135662079},{"word":"those","start":331.14,"end":331.38,"confidence":0.73158616,"punctuated_word":"those,","sentiment":"neutral","sentiment_score":0.1138923168182373},{"word":"when","start":331.38,"end":331.46002,"confidence":0.98633885,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.09604305028915404},{"word":"you","start":331.46002,"end":331.62003,"confidence":0.99431497,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10929222404956818},{"word":"do","start":331.62003,"end":331.78,"confidence":0.9979412,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0896618440747261},{"word":"see","start":331.78,"end":331.94,"confidence":0.9972422,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.115859255194664},{"word":"them","start":331.94,"end":332.1,"confidence":0.94130075,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.1195315718650818},{"word":"if","start":332.1,"end":332.18002,"confidence":0.99605054,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10905679315328598},{"word":"there's","start":332.18002,"end":332.42,"confidence":0.99642044,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.07565662264823914},{"word":"any","start":332.42,"end":332.66,"confidence":0.99904305,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.09843236207962036},{"word":"major","start":332.66,"end":332.90002,"confidence":0.99772483,"punctuated_word":"major","sentiment":"neutral","sentiment_score":0.009810760617256165},{"word":"changes","start":332.90002,"end":333.22,"confidence":0.99320316,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.05056487396359444},{"word":"please","start":333.22,"end":333.54,"confidence":0.9993974,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.07016412168741226},{"word":"let","start":333.54,"end":333.7,"confidence":0.99732995,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.10979427397251128},{"word":"me","start":333.7,"end":333.86002,"confidence":0.9995509,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12410017848014832},{"word":"know","start":333.86002,"end":334.02002,"confidence":0.9440508,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.11993205547332764},{"word":"if","start":334.02002,"end":334.18002,"confidence":0.7386889,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.07363244891166687},{"word":"this","start":334.18002,"end":334.34003,"confidence":0.99293584,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06671997159719467},{"word":"is","start":334.34003,"end":334.42,"confidence":0.979214,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05287570878863335},{"word":"all","start":334.42,"end":334.58002,"confidence":0.62066734,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.05017510801553726},{"word":"as","start":334.58002,"end":334.74002,"confidence":0.8220338,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04864182323217392},{"word":"per","start":334.74002,"end":334.98,"confidence":0.8392076,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.08817647397518158},{"word":"your","start":334.98,"end":335.22,"confidence":0.9939406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08021478354930878},{"word":"last","start":335.22,"end":335.46002,"confidence":0.98040456,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.054784126579761505},{"word":"annual","start":335.46002,"end":335.86002,"confidence":0.9674758,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.0902460366487503},{"word":"review","start":335.86002,"end":336.36002,"confidence":0.9686103,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.06634744256734848},{"word":"i","start":336.42,"end":336.5,"confidence":0.9819281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.037230342626571655},{"word":"know","start":336.5,"end":336.74002,"confidence":0.99895227,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.017189987003803253},{"word":"there","start":336.74002,"end":336.82,"confidence":0.97627914,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0002843514084815979},{"word":"can","start":336.82,"end":337.06003,"confidence":0.9993381,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.012070748955011368},{"word":"be","start":337.06003,"end":337.22,"confidence":0.9957279,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.01149868220090866},{"word":"some","start":337.22,"end":337.46002,"confidence":0.9985832,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.006945490837097168},{"word":"fluctuations","start":337.46002,"end":337.96002,"confidence":0.9976999,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.011509969830513},{"word":"and","start":338.1,"end":338.34003,"confidence":0.9976629,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03702757507562637},{"word":"changes","start":338.34003,"end":338.82,"confidence":0.99986064,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.05243714153766632},{"word":"in","start":338.82,"end":338.98,"confidence":0.9996164,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01919756829738617},{"word":"those","start":338.98,"end":339.48,"confidence":0.9964022,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":-0.004613756202161312},{"word":"the","start":340.02002,"end":340.18002,"confidence":0.83338195,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.16212603449821472},{"word":"changes","start":340.18002,"end":340.68002,"confidence":0.9982755,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.16763228178024292},{"word":"in","start":340.74002,"end":340.98,"confidence":0.99972254,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15889322757720947},{"word":"the","start":340.98,"end":341.38,"confidence":0.99965334,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27635353803634644},{"word":"assets","start":341.38,"end":341.7,"confidence":0.98483086,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.12221481651067734},{"word":"and","start":341.7,"end":341.86002,"confidence":0.99091536,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1802871972322464},{"word":"liabilities","start":341.86002,"end":342.34003,"confidence":0.9780869,"punctuated_word":"liabilities","sentiment":"neutral","sentiment_score":0.17208123207092285},{"word":"has","start":342.34003,"end":342.58002,"confidence":0.84202456,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.14156757295131683},{"word":"no","start":342.58002,"end":342.74002,"confidence":0.99805945,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.04131626337766647},{"word":"reflection","start":342.74002,"end":343.22,"confidence":0.99017733,"punctuated_word":"reflection","sentiment":"neutral","sentiment_score":-0.011555738747119904},{"word":"on","start":343.22,"end":343.30002,"confidence":0.9825897,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16599074006080627},{"word":"the","start":343.30002,"end":343.46002,"confidence":0.9962823,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23693978786468503},{"word":"advice","start":343.46002,"end":343.86002,"confidence":0.95512855,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.2492763251066208},{"word":"which","start":343.86002,"end":344.02002,"confidence":0.99987483,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4818795919418335},{"word":"is","start":344.02002,"end":344.18002,"confidence":0.99972254,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6861996054649353},{"word":"good","start":344.18002,"end":344.535,"confidence":0.9129852,"punctuated_word":"good,","sentiment":"positive","sentiment_score":0.6853281259536743},{"word":"but","start":344.695,"end":344.935,"confidence":0.9884576,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.5832798480987549},{"word":"it's","start":344.935,"end":345.015,"confidence":0.9972559,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6516603827476501},{"word":"also","start":345.015,"end":345.255,"confidence":0.9910981,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.564765214920044},{"word":"good","start":345.255,"end":345.575,"confidence":0.9982767,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6865540146827698},{"word":"to","start":345.575,"end":345.655,"confidence":0.99963,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5977091789245605},{"word":"have","start":345.655,"end":345.815,"confidence":0.9999325,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.6148908734321594},{"word":"our","start":345.815,"end":346.055,"confidence":0.99704933,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.7068968415260315},{"word":"records","start":346.055,"end":346.45502,"confidence":0.99821633,"punctuated_word":"records","sentiment":"positive","sentiment_score":0.6662096977233887},{"word":"up","start":346.45502,"end":346.615,"confidence":0.9985606,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.6578502058982849},{"word":"to","start":346.615,"end":346.695,"confidence":0.9985618,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6744981408119202},{"word":"date","start":346.695,"end":346.935,"confidence":0.9998264,"punctuated_word":"date","sentiment":"positive","sentiment_score":0.6497446894645691},{"word":"for","start":346.935,"end":347.095,"confidence":0.9997037,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6027969121932983},{"word":"you","start":347.095,"end":347.595,"confidence":0.99958086,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3885385990142822},{"word":"okay","start":347.655,"end":348.155,"confidence":0.988605,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.16900643706321716},{"word":"to","start":349.495,"end":349.73502,"confidence":0.90758365,"punctuated_word":"To","sentiment":"positive","sentiment_score":0.33604225516319275},{"word":"make","start":349.73502,"end":349.895,"confidence":0.99996674,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4195654094219208},{"word":"it","start":349.895,"end":350.055,"confidence":0.9996346,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.44183796644210815},{"word":"nice","start":350.055,"end":350.295,"confidence":0.9993529,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.6209824085235596},{"word":"and","start":350.295,"end":350.45502,"confidence":0.9986077,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5547166466712952},{"word":"easy","start":350.45502,"end":350.855,"confidence":0.99367774,"punctuated_word":"easy,","sentiment":"positive","sentiment_score":0.48653802275657654},{"word":"essentially","start":350.855,"end":351.255,"confidence":0.8984095,"punctuated_word":"essentially,","sentiment":"positive","sentiment_score":0.38152727484703064},{"word":"with","start":351.255,"end":351.415,"confidence":0.9990916,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5016136169433594},{"word":"the","start":351.415,"end":351.655,"confidence":0.99955314,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.417708158493042},{"word":"recommendations","start":351.655,"end":352.155,"confidence":0.9892626,"punctuated_word":"recommendations,","sentiment":"positive","sentiment_score":0.3371419906616211},{"word":"what","start":352.215,"end":352.45502,"confidence":0.9994568,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3661593794822693},{"word":"i","start":352.45502,"end":352.535,"confidence":0.99977905,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3641566038131714},{"word":"am","start":352.535,"end":352.775,"confidence":0.9991412,"punctuated_word":"am","sentiment":"positive","sentiment_score":0.38097527623176575},{"word":"recommending","start":352.775,"end":353.255,"confidence":0.9998963,"punctuated_word":"recommending","sentiment":"positive","sentiment_score":0.39202672243118286},{"word":"is","start":353.255,"end":353.415,"confidence":0.99768794,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.35489463806152344},{"word":"that","start":353.415,"end":353.575,"confidence":0.99956304,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3297599256038666},{"word":"we","start":353.575,"end":353.73502,"confidence":0.99932516,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3902358412742615},{"word":"do","start":353.73502,"end":353.895,"confidence":0.9997633,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.35965555906295776},{"word":"retain","start":353.895,"end":354.215,"confidence":0.9985806,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.29116398096084595},{"word":"both","start":354.215,"end":354.45502,"confidence":0.98758054,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.29887691140174866},{"word":"your","start":354.45502,"end":354.695,"confidence":0.9912889,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3533332943916321},{"word":"super","start":354.695,"end":354.935,"confidence":0.96698236,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.3076081871986389},{"word":"funds","start":354.935,"end":355.175,"confidence":0.94381183,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.3247707784175873},{"word":"at","start":355.175,"end":355.335,"confidence":0.9503277,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2748226523399353},{"word":"the","start":355.335,"end":355.415,"confidence":0.9974005,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3121311366558075},{"word":"moment","start":355.415,"end":355.655,"confidence":0.96385074,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.2505078613758087},{"word":"the","start":355.655,"end":355.815,"confidence":0.9985697,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3201126456260681},{"word":"basq","start":355.815,"end":356.215,"confidence":0.65379477,"punctuated_word":"BASQ","sentiment":"neutral","sentiment_score":0.25064706802368164},{"word":"and","start":356.215,"end":356.45502,"confidence":0.92318374,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20671676099300385},{"word":"the","start":356.45502,"end":356.535,"confidence":0.98141253,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26085561513900757},{"word":"hub","start":356.535,"end":356.855,"confidence":0.84435,"punctuated_word":"HUB","sentiment":"neutral","sentiment_score":0.20647525787353516},{"word":"twenty","start":356.855,"end":357.095,"confidence":0.58171004,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.25066614151000977},{"word":"four","start":357.095,"end":357.335,"confidence":0.99821824,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.22687578201293945},{"word":"super","start":357.335,"end":357.655,"confidence":0.8152633,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.17633701860904694},{"word":"funds","start":357.655,"end":358.155,"confidence":0.5973371,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.2962043881416321},{"word":"retaining","start":358.71002,"end":359.03,"confidence":0.97331107,"punctuated_word":"Retaining","sentiment":"positive","sentiment_score":0.3695644736289978},{"word":"the","start":359.03,"end":359.19,"confidence":0.9991443,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.43262919783592224},{"word":"bus","start":359.19,"end":359.43002,"confidence":0.9989761,"punctuated_word":"bus","sentiment":"positive","sentiment_score":0.41767922043800354},{"word":"queue","start":359.43002,"end":359.75,"confidence":0.9979119,"punctuated_word":"queue","sentiment":"positive","sentiment_score":0.4646528959274292},{"word":"and","start":359.75,"end":359.91,"confidence":0.7608317,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4284650683403015},{"word":"rolling","start":359.91,"end":360.31,"confidence":0.99852234,"punctuated_word":"rolling","sentiment":"positive","sentiment_score":0.4450387954711914},{"word":"over","start":360.31,"end":360.63,"confidence":0.9991867,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.3910732567310333},{"word":"all","start":360.63,"end":360.87003,"confidence":0.97957146,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.38781851530075073},{"word":"but","start":360.87003,"end":361.19,"confidence":0.8868102,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.34356048703193665},{"word":"10,000","start":361.19,"end":361.93002,"confidence":0.9841791,"punctuated_word":"10,000,","sentiment":"neutral","sentiment_score":0.32379150390625},{"word":"leaving","start":362.23,"end":362.55002,"confidence":0.99883884,"punctuated_word":"leaving","sentiment":"positive","sentiment_score":0.44087645411491394},{"word":"10,000","start":362.55002,"end":363.19,"confidence":0.9998052,"punctuated_word":"10,000","sentiment":"positive","sentiment_score":0.36295753717422485},{"word":"in","start":363.19,"end":363.43002,"confidence":0.98306584,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.35740935802459717},{"word":"bus","start":363.43002,"end":363.67,"confidence":0.9969312,"punctuated_word":"bus","sentiment":"positive","sentiment_score":0.3403221368789673},{"word":"queue","start":363.67,"end":363.91,"confidence":0.9963935,"punctuated_word":"queue","sentiment":"positive","sentiment_score":0.38020139932632446},{"word":"there","start":363.91,"end":364.15002,"confidence":0.86487675,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.47166115045547485},{"word":"to","start":364.15002,"end":364.31,"confidence":0.9958104,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.39481303095817566},{"word":"retain","start":364.31,"end":364.71002,"confidence":0.9973205,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.3273540437221527},{"word":"your","start":364.71002,"end":364.87003,"confidence":0.99925894,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.36516913771629333},{"word":"insurances","start":364.87003,"end":365.37003,"confidence":0.98566103,"punctuated_word":"insurances","sentiment":"positive","sentiment_score":0.38734596967697144},{"word":"in","start":365.43002,"end":365.67,"confidence":0.99696785,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.454013854265213},{"word":"place","start":365.67,"end":366.17,"confidence":0.9820969,"punctuated_word":"place.","sentiment":"positive","sentiment_score":0.379385769367218},{"word":"you'll","start":366.23,"end":366.47,"confidence":0.9935185,"punctuated_word":"You'll","sentiment":"positive","sentiment_score":0.3982872366905213},{"word":"continue","start":366.47,"end":366.95,"confidence":0.99988973,"punctuated_word":"continue","sentiment":"positive","sentiment_score":0.4570834636688232},{"word":"to","start":366.95,"end":367.03,"confidence":0.9997141,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4075251817703247},{"word":"make","start":367.03,"end":367.27002,"confidence":0.9999428,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.37700337171554565},{"word":"your","start":367.27002,"end":367.51,"confidence":0.9917036,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4017503559589386},{"word":"contributions","start":367.51,"end":368.01,"confidence":0.9160221,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.369801253080368},{"word":"from","start":368.07,"end":368.31,"confidence":0.99963725,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.4518937468528747},{"word":"your","start":368.31,"end":368.55002,"confidence":0.9982968,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.41462844610214233},{"word":"employer","start":368.55002,"end":368.87,"confidence":0.98863775,"punctuated_word":"employer","sentiment":"positive","sentiment_score":0.46520376205444336},{"word":"into","start":368.87,"end":369.11002,"confidence":0.9946038,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.4152278602123261},{"word":"your","start":369.11002,"end":369.27002,"confidence":0.99778205,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3725646138191223},{"word":"bus","start":369.27002,"end":369.59,"confidence":0.9968086,"punctuated_word":"bus","sentiment":"positive","sentiment_score":0.3985065221786499},{"word":"queue","start":369.59,"end":369.83002,"confidence":0.986785,"punctuated_word":"queue","sentiment":"positive","sentiment_score":0.35640355944633484},{"word":"fund","start":369.83002,"end":370.15002,"confidence":0.82513106,"punctuated_word":"fund,","sentiment":"positive","sentiment_score":0.3821293115615845},{"word":"and","start":370.15002,"end":370.31,"confidence":0.9996489,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2720673978328705},{"word":"then","start":370.31,"end":370.47,"confidence":0.9995827,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2641298770904541},{"word":"we'll","start":370.47,"end":370.71002,"confidence":0.9744614,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.261088490486145},{"word":"just","start":370.71002,"end":370.87,"confidence":0.7324995,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":0.2750014066696167},{"word":"every","start":370.87,"end":371.19,"confidence":0.99830496,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.2149755507707596},{"word":"year","start":371.19,"end":371.35,"confidence":0.99782133,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.2072425037622452},{"word":"when","start":371.35,"end":371.59,"confidence":0.7149305,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.26598408818244934},{"word":"we","start":371.59,"end":371.67,"confidence":0.9994369,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2435932606458664},{"word":"do","start":371.67,"end":371.91,"confidence":0.9990845,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.26707887649536133},{"word":"reviews","start":371.91,"end":372.39,"confidence":0.99822205,"punctuated_word":"reviews","sentiment":"neutral","sentiment_score":0.15785664319992063},{"word":"with","start":372.39,"end":372.47,"confidence":0.9987804,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2269996851682663},{"word":"you","start":372.47,"end":372.915,"confidence":0.9988359,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.25600555539131165},{"word":"roll","start":372.995,"end":373.315,"confidence":0.99738306,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.18609385192394257},{"word":"over","start":373.315,"end":373.55502,"confidence":0.8182051,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1419982612133026},{"word":"all","start":373.55502,"end":373.715,"confidence":0.7938376,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.17105145752429962},{"word":"but","start":373.715,"end":373.875,"confidence":0.47276154,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.18440258502960205},{"word":"10,000","start":373.875,"end":374.515,"confidence":0.90956426,"punctuated_word":"10,000.","sentiment":"neutral","sentiment_score":0.19753830134868625},{"word":"so","start":374.515,"end":374.755,"confidence":0.99678767,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2435840666294098},{"word":"most","start":374.755,"end":374.995,"confidence":0.99868923,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.29844409227371216},{"word":"of","start":374.995,"end":375.075,"confidence":0.9987852,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3478054702281952},{"word":"your","start":375.075,"end":375.23502,"confidence":0.9996388,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2996724247932434},{"word":"money","start":375.23502,"end":375.55502,"confidence":0.9998934,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.2833405137062073},{"word":"is","start":375.55502,"end":375.715,"confidence":0.99403775,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.32676175236701965},{"word":"in","start":375.715,"end":375.875,"confidence":0.9993868,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29061636328697205},{"word":"hub","start":375.875,"end":376.11502,"confidence":0.6939583,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.27599412202835083},{"word":"twenty","start":376.11502,"end":376.355,"confidence":0.99569243,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.267758846282959},{"word":"four","start":376.355,"end":376.67502,"confidence":0.9946907,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.2221737802028656},{"word":"working","start":376.67502,"end":376.995,"confidence":0.9044054,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.22707653045654297},{"word":"harder","start":376.995,"end":377.315,"confidence":0.90529054,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.21503739058971405},{"word":"there","start":377.315,"end":377.55502,"confidence":0.99120075,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.3227558434009552},{"word":"for","start":377.55502,"end":377.715,"confidence":0.99970657,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3145809471607208},{"word":"you","start":377.715,"end":378.195,"confidence":0.99976397,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2638336718082428},{"word":"okay","start":378.195,"end":378.695,"confidence":0.9961387,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.18652215600013733},{"word":"i","start":380.11502,"end":380.355,"confidence":0.76883197,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19889666140079496},{"word":"do","start":380.355,"end":380.595,"confidence":0.99979514,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21442613005638125},{"word":"wish","start":380.595,"end":380.83502,"confidence":0.9999374,"punctuated_word":"wish","sentiment":"neutral","sentiment_score":0.24806472659111023},{"word":"to","start":380.83502,"end":380.915,"confidence":0.99944955,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2532481551170349},{"word":"also","start":380.915,"end":381.23502,"confidence":0.9926957,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.19461551308631897},{"word":"make","start":381.23502,"end":381.39502,"confidence":0.997451,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.18918132781982425},{"word":"sure","start":381.39502,"end":381.635,"confidence":0.99987483,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1822317540645599},{"word":"we","start":381.635,"end":381.715,"confidence":0.99952257,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2410596460103989},{"word":"have","start":381.715,"end":381.875,"confidence":0.9986222,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2863788306713104},{"word":"an","start":381.875,"end":382.035,"confidence":0.9995696,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.25422465801239014},{"word":"opt","start":382.035,"end":382.275,"confidence":0.9764766,"punctuated_word":"opt","sentiment":"neutral","sentiment_score":0.25840112566947937},{"word":"in","start":382.275,"end":382.435,"confidence":0.99834585,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19007466733455655},{"word":"in","start":382.435,"end":382.515,"confidence":0.9571391,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18005214631557465},{"word":"place","start":382.515,"end":382.755,"confidence":0.8499652,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.21388831734657288},{"word":"so","start":382.755,"end":382.915,"confidence":0.64492995,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24854324758052823},{"word":"we'll","start":382.915,"end":383.075,"confidence":0.9888725,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.214277982711792},{"word":"make","start":383.075,"end":383.23502,"confidence":0.99964833,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1793471872806549},{"word":"sure","start":383.23502,"end":383.39502,"confidence":0.9994404,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.18027406930923465},{"word":"that","start":383.39502,"end":383.635,"confidence":0.9976036,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2286221534013748},{"word":"we","start":383.635,"end":383.795,"confidence":0.99962044,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1890518069267273},{"word":"do","start":383.795,"end":383.95502,"confidence":0.9996049,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19254548847675323},{"word":"have","start":383.95502,"end":384.11502,"confidence":0.9996413,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23063144087791443},{"word":"that","start":384.11502,"end":384.435,"confidence":0.9997974,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23743927478790283},{"word":"signed","start":384.435,"end":384.93,"confidence":0.9893284,"punctuated_word":"signed.","sentiment":"neutral","sentiment_score":0.188471257686615},{"word":"it","start":385.72998,"end":385.88998,"confidence":0.9731041,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2069344222545624},{"word":"doesn't","start":385.88998,"end":386.13,"confidence":0.9999175,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.13907283544540405},{"word":"look","start":386.13,"end":386.28998,"confidence":0.9997336,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10414642095565796},{"word":"like","start":386.28998,"end":386.53,"confidence":0.99853325,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1037215292453766},{"word":"there","start":386.53,"end":386.61,"confidence":0.7002313,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.12905842065811157},{"word":"is","start":386.61,"end":386.77,"confidence":0.97334814,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10705876350402832},{"word":"one","start":386.77,"end":387.00998,"confidence":0.5558554,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06604000180959702},{"word":"apply","start":387.00998,"end":387.41,"confidence":0.68078804,"punctuated_word":"apply,","sentiment":"neutral","sentiment_score":0.10134843736886978},{"word":"but","start":387.41,"end":387.57,"confidence":0.99967504,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2047574818134308},{"word":"an","start":387.57,"end":387.65,"confidence":0.9729571,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2396044284105301},{"word":"opt","start":387.65,"end":387.88998,"confidence":0.9882683,"punctuated_word":"opt","sentiment":"neutral","sentiment_score":0.23715578019618988},{"word":"in","start":387.88998,"end":388.13,"confidence":0.783177,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.20961260795593264},{"word":"essentially","start":388.13,"end":388.61,"confidence":0.99625224,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.18457108736038208},{"word":"if","start":388.61,"end":388.77,"confidence":0.99946314,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24095778167247772},{"word":"anything","start":388.77,"end":389.09,"confidence":0.99988663,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.19483475387096405},{"word":"happens","start":389.09,"end":389.41,"confidence":0.9975152,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.11107855290174484},{"word":"and","start":389.41,"end":389.49,"confidence":0.7934313,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15461182594299316},{"word":"you","start":389.49,"end":389.72998,"confidence":0.99954516,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1607702523469925},{"word":"were","start":389.72998,"end":389.88998,"confidence":0.7669519,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.14616715908050537},{"word":"to","start":389.88998,"end":389.97,"confidence":0.9568792,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1248503401875496},{"word":"stop","start":389.97,"end":390.21,"confidence":0.8868536,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":0.09635785967111588},{"word":"working","start":390.21,"end":390.53,"confidence":0.9998443,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.059870801866054535},{"word":"for","start":390.53,"end":390.69,"confidence":0.9996656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.006300710141658783},{"word":"a","start":390.69,"end":390.77,"confidence":0.9976922,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06909717619419098},{"word":"period","start":390.77,"end":391.09,"confidence":0.9999405,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.015559382736682892},{"word":"of","start":391.09,"end":391.16998,"confidence":0.9947142,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07110621780157089},{"word":"time","start":391.16998,"end":391.41,"confidence":0.9997818,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.049845680594444275},{"word":"or","start":391.41,"end":391.57,"confidence":0.98738074,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.15202727913856506},{"word":"not","start":391.57,"end":391.72998,"confidence":0.9891076,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.13415829837322235},{"word":"get","start":391.72998,"end":392.05,"confidence":0.9918366,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11301381886005402},{"word":"contributions","start":392.05,"end":392.55,"confidence":0.9577324,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.14005005359649658},{"word":"just","start":393.09,"end":393.41,"confidence":0.8404883,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18728822469711304},{"word":"acts","start":393.41,"end":393.65,"confidence":0.5585312,"punctuated_word":"acts","sentiment":"neutral","sentiment_score":0.19764558970928192},{"word":"as","start":393.65,"end":393.88998,"confidence":0.99899906,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1741747111082077},{"word":"a","start":393.88998,"end":394.13,"confidence":0.983435,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17524930834770203},{"word":"secondary","start":394.13,"end":394.63,"confidence":0.9991172,"punctuated_word":"secondary","sentiment":"neutral","sentiment_score":0.22280623018741608},{"word":"security","start":395.72998,"end":396.22998,"confidence":0.6868307,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.14738941192626953},{"word":"to","start":396.44998,"end":396.61,"confidence":0.9995778,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27774181962013245},{"word":"make","start":396.61,"end":396.85,"confidence":0.99919087,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2189401388168335},{"word":"sure","start":396.85,"end":397.00998,"confidence":0.99743146,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.17419303953647614},{"word":"your","start":397.00998,"end":397.16998,"confidence":0.9741441,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2774913012981415},{"word":"insurance","start":397.16998,"end":397.66998,"confidence":0.74883515,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.3103640675544739},{"word":"is","start":397.72998,"end":397.88998,"confidence":0.26469588,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.26098141074180603},{"word":"staying","start":397.88998,"end":398.21,"confidence":0.6737475,"punctuated_word":"staying","sentiment":"neutral","sentiment_score":0.2804740369319916},{"word":"in","start":398.21,"end":398.37,"confidence":0.23248811,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2700839042663574},{"word":"force","start":398.37,"end":398.69,"confidence":0.9767749,"punctuated_word":"force","sentiment":"neutral","sentiment_score":0.2623385787010193},{"word":"for","start":398.69,"end":398.93,"confidence":0.9998293,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19976745545864105},{"word":"you","start":398.93,"end":399.33,"confidence":0.9998764,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13562074303627014},{"word":"okay","start":399.33,"end":399.83,"confidence":0.99721575,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.06104237586259842},{"word":"when","start":401.435,"end":401.835,"confidence":0.8773028,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.014311939477920532},{"word":"we","start":401.835,"end":401.995,"confidence":0.9999306,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0023077353835105896},{"word":"looked","start":401.995,"end":402.235,"confidence":0.98597383,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.0061095356941223145},{"word":"at","start":402.235,"end":402.475,"confidence":0.9997408,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.013930007815361025},{"word":"the","start":402.475,"end":402.715,"confidence":0.9997694,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02491290867328644},{"word":"investments","start":402.715,"end":403.195,"confidence":0.9932435,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.06694357842206955},{"word":"within","start":403.195,"end":403.51498,"confidence":0.99984574,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.026402100920677185},{"word":"the","start":403.51498,"end":403.675,"confidence":0.9997032,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0020921267569065094},{"word":"different","start":403.675,"end":404.075,"confidence":0.99809474,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.01512838900089264},{"word":"funds","start":404.075,"end":404.395,"confidence":0.9971589,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.004230160266160965},{"word":"there","start":404.395,"end":404.875,"confidence":0.92543983,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.007362635806202888},{"word":"the","start":404.875,"end":405.035,"confidence":0.9304394,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019989091902971268},{"word":"between","start":405.755,"end":406.155,"confidence":0.99453014,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.01357252523303032},{"word":"the","start":406.155,"end":406.235,"confidence":0.9986993,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00791756808757782},{"word":"two","start":406.235,"end":406.475,"confidence":0.99964213,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.023749765008687973},{"word":"funds","start":406.475,"end":406.715,"confidence":0.8331367,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":-0.003989482298493385},{"word":"you","start":406.715,"end":407.035,"confidence":0.99648404,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03639962524175644},{"word":"are","start":407.035,"end":407.355,"confidence":0.8235275,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.013457026332616806},{"word":"sorry","start":407.355,"end":407.835,"confidence":0.94728553,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.021931156516075134},{"word":"invested","start":407.835,"end":408.235,"confidence":0.9991394,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.03033365309238434},{"word":"in","start":408.235,"end":408.395,"confidence":0.99974734,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01894267648458481},{"word":"a","start":408.395,"end":408.475,"confidence":0.9965125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024933096021413803},{"word":"high","start":408.475,"end":408.715,"confidence":0.99491173,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.06346534192562103},{"word":"growth","start":408.715,"end":408.955,"confidence":0.96849513,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.09925135970115662},{"word":"portfolio","start":408.955,"end":409.455,"confidence":0.9417547,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.025992486625909805},{"word":"which","start":409.51498,"end":409.675,"confidence":0.99993575,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.09634686261415482},{"word":"is","start":409.675,"end":409.835,"confidence":0.9996356,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09423405677080154},{"word":"where","start":409.835,"end":409.995,"confidence":0.99742955,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.07280217111110687},{"word":"your","start":409.995,"end":410.235,"confidence":0.99732363,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17589467763900757},{"word":"comfort","start":410.235,"end":410.555,"confidence":0.9981415,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":0.13162027299404144},{"word":"level's","start":410.555,"end":410.955,"confidence":0.69795525,"punctuated_word":"level's","sentiment":"neutral","sentiment_score":0.10664375871419908},{"word":"at","start":410.955,"end":411.455,"confidence":0.9273257,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":0.044655609875917435},{"word":"however","start":411.51498,"end":411.915,"confidence":0.99972403,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.11041298508644104},{"word":"we","start":411.915,"end":411.995,"confidence":0.9998398,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.14505809545516968},{"word":"have","start":411.995,"end":412.235,"confidence":0.9992931,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.12158113718032836},{"word":"seen","start":412.235,"end":412.395,"confidence":0.9927955,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.11888943612575532},{"word":"in","start":412.395,"end":412.635,"confidence":0.9744368,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13764679431915283},{"word":"hub","start":412.635,"end":412.79498,"confidence":0.29308844,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":-0.19375593960285187},{"word":"twenty","start":412.79498,"end":413.035,"confidence":0.99758995,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.2070988416671753},{"word":"four","start":413.035,"end":413.195,"confidence":0.9964408,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.1769716441631317},{"word":"that","start":413.195,"end":413.435,"confidence":0.9735488,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1212325245141983},{"word":"there","start":413.435,"end":413.675,"confidence":0.997982,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.16097700595855713},{"word":"is","start":413.675,"end":413.835,"confidence":0.99935657,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1426897644996643},{"word":"a","start":413.835,"end":413.915,"confidence":0.99974674,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16744275391101837},{"word":"couple","start":413.915,"end":414.155,"confidence":0.9999286,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.19024589657783508},{"word":"of","start":414.155,"end":414.315,"confidence":0.9996147,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1805078238248825},{"word":"options","start":414.315,"end":414.635,"confidence":0.9998394,"punctuated_word":"options","sentiment":"neutral","sentiment_score":-0.15703502297401428},{"word":"that","start":414.635,"end":414.79498,"confidence":0.99990237,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15634498000144958},{"word":"we","start":414.79498,"end":414.875,"confidence":0.9998204,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.19652466475963593},{"word":"wanted","start":414.875,"end":415.195,"confidence":0.99971145,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.1789475977420807},{"word":"to","start":415.195,"end":415.355,"confidence":0.9984841,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14304617047309875},{"word":"remove","start":415.355,"end":415.755,"confidence":0.9971457,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.17233146727085114},{"word":"out","start":415.755,"end":416.13,"confidence":0.9576726,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.14614522457122803},{"word":"so","start":416.69,"end":417.01,"confidence":0.9993678,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08104349672794342},{"word":"you","start":417.01,"end":417.17,"confidence":0.8019338,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10396943986415864},{"word":"have","start":417.17,"end":417.41,"confidence":0.91693896,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06557334214448929},{"word":"the","start":417.41,"end":417.49,"confidence":0.8701148,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13228106498718262},{"word":"benelon","start":417.49,"end":417.99,"confidence":0.7758284,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":-0.1493481993675232},{"word":"australian","start":418.05002,"end":418.45,"confidence":0.9501443,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.05770912393927574},{"word":"equity","start":418.45,"end":418.95,"confidence":0.60427904,"punctuated_word":"equity,","sentiment":"neutral","sentiment_score":-0.03920508921146393},{"word":"sorry","start":419.25,"end":419.73,"confidence":0.99114573,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.07164696604013443},{"word":"portion","start":419.73,"end":420.13,"confidence":0.99108034,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":-0.04781448468565941},{"word":"in","start":420.13,"end":420.29,"confidence":0.9980564,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.038063760846853256},{"word":"your","start":420.29,"end":420.53,"confidence":0.99821186,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.040539197623729706},{"word":"hub","start":420.53,"end":420.77002,"confidence":0.9647006,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":-0.040066227316856384},{"word":"twenty","start":420.77002,"end":421.01,"confidence":0.999739,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.04021163284778595},{"word":"four","start":421.01,"end":421.25,"confidence":0.9997291,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.05980616807937622},{"word":"account","start":421.25,"end":421.75,"confidence":0.93856627,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.06295207887887955},{"word":"that","start":422.61002,"end":422.85,"confidence":0.8210144,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05400025472044945},{"word":"we","start":422.85,"end":423.09,"confidence":0.9937243,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13124094903469086},{"word":"are","start":423.09,"end":423.25,"confidence":0.9996853,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.06798629462718964},{"word":"going","start":423.25,"end":423.57,"confidence":0.5517037,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.08780863136053085},{"word":"to","start":423.57,"end":423.65,"confidence":0.99545896,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08733823895454407},{"word":"sell","start":423.65,"end":423.97,"confidence":0.9914996,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.12728923559188843},{"word":"completely","start":423.97,"end":424.37,"confidence":0.99190485,"punctuated_word":"completely.","sentiment":"neutral","sentiment_score":-0.06023511663079262},{"word":"unfortunately","start":424.37,"end":424.87,"confidence":0.9963703,"punctuated_word":"Unfortunately,","sentiment":"neutral","sentiment_score":-0.2851869463920593},{"word":"in","start":424.93,"end":425.01,"confidence":0.9991629,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3678508400917053},{"word":"the","start":425.01,"end":425.17,"confidence":0.9997217,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3635999262332916},{"word":"last","start":425.17,"end":425.41,"confidence":0.99969935,"punctuated_word":"last","sentiment":"negative","sentiment_score":-0.41076233983039856},{"word":"few","start":425.41,"end":425.49,"confidence":0.993816,"punctuated_word":"few","sentiment":"negative","sentiment_score":-0.4057416617870331},{"word":"months","start":425.49,"end":425.81,"confidence":0.99332404,"punctuated_word":"months,","sentiment":"negative","sentiment_score":-0.4257805347442627},{"word":"benelon","start":425.81,"end":426.29,"confidence":0.99823123,"punctuated_word":"Benelon","sentiment":"negative","sentiment_score":-0.4240313172340393},{"word":"has","start":426.29,"end":426.45,"confidence":0.99441814,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.38023126125335693},{"word":"had","start":426.45,"end":426.69,"confidence":0.9973104,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.308165043592453},{"word":"some","start":426.69,"end":426.85,"confidence":0.999703,"punctuated_word":"some","sentiment":"negative","sentiment_score":-0.3912860453128814},{"word":"underlying","start":426.85,"end":427.35,"confidence":0.99924135,"punctuated_word":"underlying","sentiment":"negative","sentiment_score":-0.34791427850723267},{"word":"issues","start":427.41,"end":427.65,"confidence":0.99962556,"punctuated_word":"issues","sentiment":"negative","sentiment_score":-0.36143991351127625},{"word":"with","start":427.65,"end":427.89,"confidence":0.9987446,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.396478533744812},{"word":"some","start":427.89,"end":428.13,"confidence":0.9958943,"punctuated_word":"some","sentiment":"negative","sentiment_score":-0.3937049508094787},{"word":"of","start":428.13,"end":428.21,"confidence":0.9979189,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3569893538951874},{"word":"the","start":428.21,"end":428.37,"confidence":0.9994777,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.35853609442710876},{"word":"investments","start":428.37,"end":428.85,"confidence":0.8645967,"punctuated_word":"investments","sentiment":"negative","sentiment_score":-0.3579862415790558},{"word":"they","start":428.85,"end":429.09,"confidence":0.9891144,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2609812915325165},{"word":"have","start":429.09,"end":429.25,"confidence":0.9989214,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.3419981002807617},{"word":"invested","start":429.25,"end":429.73,"confidence":0.9997466,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.1891992688179016},{"word":"in","start":429.73,"end":430.095,"confidence":0.914832,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.30742716789245605},{"word":"and","start":430.255,"end":430.415,"confidence":0.9959115,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.25764960050582886},{"word":"they","start":430.415,"end":430.575,"confidence":0.9957125,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.4343165457248688},{"word":"have","start":430.575,"end":430.73502,"confidence":0.99898225,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.48425859212875366},{"word":"now","start":430.73502,"end":430.975,"confidence":0.98603326,"punctuated_word":"now","sentiment":"negative","sentiment_score":-0.4999838471412658},{"word":"been","start":430.975,"end":431.215,"confidence":0.60393816,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.4965333938598633},{"word":"underperforming","start":431.215,"end":431.715,"confidence":0.991039,"punctuated_word":"underperforming.","sentiment":"negative","sentiment_score":-0.4978296160697937},{"word":"so","start":432.095,"end":432.255,"confidence":0.9996512,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.3105625808238983},{"word":"we","start":432.255,"end":432.495,"confidence":0.9984763,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.29900050163269043},{"word":"flagged","start":432.495,"end":432.895,"confidence":0.51989335,"punctuated_word":"flagged","sentiment":"neutral","sentiment_score":-0.2723618149757385},{"word":"that","start":432.895,"end":433.055,"confidence":0.99911565,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3532696068286896},{"word":"when","start":433.055,"end":433.215,"confidence":0.93490195,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.27962249517440796},{"word":"we","start":433.215,"end":433.375,"confidence":0.9990207,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2837520241737366},{"word":"did","start":433.375,"end":433.535,"confidence":0.9953786,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.22567963600158691},{"word":"the","start":433.535,"end":433.775,"confidence":0.99882036,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21423307061195376},{"word":"advice","start":433.775,"end":434.095,"confidence":0.95374036,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.20347486436367035},{"word":"for","start":434.095,"end":434.255,"confidence":0.999843,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.19555288553237915},{"word":"you","start":434.255,"end":434.755,"confidence":0.95540637,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.20550289750099185},{"word":"and","start":434.975,"end":435.135,"confidence":0.59428436,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1918053925037384},{"word":"we","start":435.135,"end":435.295,"confidence":0.99832577,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2481847107410431},{"word":"just","start":435.295,"end":435.535,"confidence":0.99975175,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2057659924030304},{"word":"wanna","start":435.535,"end":435.775,"confidence":0.99789447,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.1931626796722412},{"word":"have","start":435.775,"end":435.935,"confidence":0.99944466,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.22682639956474304},{"word":"that","start":435.935,"end":436.175,"confidence":0.9998721,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3347446918487549},{"word":"removed","start":436.175,"end":436.655,"confidence":0.9980013,"punctuated_word":"removed","sentiment":"neutral","sentiment_score":-0.28220584988594055},{"word":"out","start":436.655,"end":436.815,"confidence":0.9980236,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.3071700632572174},{"word":"of","start":436.815,"end":436.975,"confidence":0.9961104,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.28747686743736267},{"word":"there","start":436.975,"end":437.455,"confidence":0.9877044,"punctuated_word":"there.","sentiment":"negative","sentiment_score":-0.35056620836257935},{"word":"there's","start":437.455,"end":437.775,"confidence":0.9960057,"punctuated_word":"There's","sentiment":"negative","sentiment_score":-0.33749884366989136},{"word":"no","start":437.775,"end":437.935,"confidence":0.9979911,"punctuated_word":"no","sentiment":"negative","sentiment_score":-0.4116947054862976},{"word":"point","start":437.935,"end":438.175,"confidence":0.9993406,"punctuated_word":"point","sentiment":"negative","sentiment_score":-0.4055382311344147},{"word":"having","start":438.175,"end":438.495,"confidence":0.7993201,"punctuated_word":"having","sentiment":"negative","sentiment_score":-0.463428795337677},{"word":"underperforming","start":438.495,"end":438.995,"confidence":0.99315935,"punctuated_word":"underperforming","sentiment":"negative","sentiment_score":-0.5002273321151733},{"word":"funds","start":439.375,"end":439.695,"confidence":0.9974711,"punctuated_word":"funds","sentiment":"negative","sentiment_score":-0.5711885690689087},{"word":"there","start":439.695,"end":440.195,"confidence":0.8117558,"punctuated_word":"there.","sentiment":"negative","sentiment_score":-0.4572465419769287},{"word":"so","start":440.255,"end":440.495,"confidence":0.9982268,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2626270651817322},{"word":"we","start":440.495,"end":440.655,"confidence":0.9991134,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.33189600706100464},{"word":"are","start":440.655,"end":440.815,"confidence":0.99839956,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.3002040386199951},{"word":"gonna","start":440.815,"end":441.135,"confidence":0.9974111,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.29361778497695923},{"word":"sell","start":441.135,"end":441.375,"confidence":0.9915617,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.31670236587524414},{"word":"off","start":441.375,"end":441.535,"confidence":0.9947785,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.2822783887386322},{"word":"all","start":441.535,"end":441.695,"confidence":0.9987601,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.27587181329727173},{"word":"of","start":441.695,"end":441.855,"confidence":0.9979297,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2665550112724304},{"word":"the","start":441.855,"end":441.935,"confidence":0.9962054,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2538304328918457},{"word":"bannalong","start":441.935,"end":442.435,"confidence":0.7998346,"punctuated_word":"Bannalong.","sentiment":"neutral","sentiment_score":-0.20394355058670044},{"word":"we're","start":442.84998,"end":442.93,"confidence":0.97550046,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.19313034415245056},{"word":"also","start":442.93,"end":443.16998,"confidence":0.9883245,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.20187342166900635},{"word":"selling","start":443.16998,"end":443.56998,"confidence":0.99465346,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.23540620505809784},{"word":"off","start":443.56998,"end":443.72998,"confidence":0.9683262,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.22409895062446591},{"word":"all","start":443.72998,"end":443.88998,"confidence":0.9982931,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.18042904138565063},{"word":"of","start":443.88998,"end":443.97,"confidence":0.98815465,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1865910440683365},{"word":"the","start":443.97,"end":444.12997,"confidence":0.99399793,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2488712817430496},{"word":"bank","start":444.12997,"end":444.44998,"confidence":0.9755145,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.20108237862586975},{"word":"hybrids","start":444.44998,"end":444.84998,"confidence":0.9937941,"punctuated_word":"hybrids","sentiment":"neutral","sentiment_score":-0.13255107402801514},{"word":"for","start":444.84998,"end":445.09,"confidence":0.9996656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.14878268539905548},{"word":"you","start":445.09,"end":445.41,"confidence":0.98955846,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.15728244185447693},{"word":"they","start":445.41,"end":445.56998,"confidence":0.9997383,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.24010434746742249},{"word":"are","start":445.56998,"end":445.81,"confidence":0.9989023,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2153126448392868},{"word":"being","start":445.81,"end":446.05,"confidence":0.99970835,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.22430738806724548},{"word":"phased","start":446.05,"end":446.37,"confidence":0.99865806,"punctuated_word":"phased","sentiment":"neutral","sentiment_score":-0.190975084900856},{"word":"out","start":446.37,"end":446.53,"confidence":0.9911404,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.18144358694553375},{"word":"in","start":446.53,"end":446.69,"confidence":0.9986362,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.15167051553726196},{"word":"the","start":446.69,"end":446.84998,"confidence":0.99608386,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15475007891654968},{"word":"future","start":446.84998,"end":447.34998,"confidence":0.85393405,"punctuated_word":"future.","sentiment":"neutral","sentiment_score":-0.14059585332870483},{"word":"and","start":447.72998,"end":447.81,"confidence":0.7001295,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.05811501294374466},{"word":"then","start":447.81,"end":448.05,"confidence":0.9994578,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.004691757261753082},{"word":"we're","start":448.05,"end":448.21,"confidence":0.9958558,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.012349104508757591},{"word":"just","start":448.21,"end":448.37,"confidence":0.9999207,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.00036156177520751953},{"word":"gonna","start":448.37,"end":448.69,"confidence":0.9965926,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.01600414514541626},{"word":"rebalance","start":448.69,"end":449.19,"confidence":0.99549633,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":-0.010505447164177896},{"word":"your","start":449.33,"end":449.56998,"confidence":0.99797803,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1497405171394348},{"word":"battery","start":449.56998,"end":449.81,"confidence":0.9819484,"punctuated_word":"battery","sentiment":"neutral","sentiment_score":0.2227571606636047},{"word":"and","start":449.81,"end":449.97,"confidence":0.66603583,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11802520602941512},{"word":"lithium","start":449.97,"end":450.28998,"confidence":0.9933002,"punctuated_word":"lithium","sentiment":"neutral","sentiment_score":0.22641943395137787},{"word":"tech","start":450.28998,"end":450.53,"confidence":0.8143699,"punctuated_word":"tech","sentiment":"neutral","sentiment_score":0.26410046219825745},{"word":"and","start":450.53,"end":450.69,"confidence":0.6857805,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19382774829864505},{"word":"your","start":450.69,"end":450.84998,"confidence":0.9991086,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21290427446365356},{"word":"physical","start":450.84998,"end":451.25,"confidence":0.999556,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.21758390963077545},{"word":"gold","start":451.25,"end":451.49,"confidence":0.9296272,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.255552738904953},{"word":"there","start":451.49,"end":451.72998,"confidence":0.98996335,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.13336330652236938},{"word":"so","start":451.72998,"end":451.88998,"confidence":0.9202612,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.20400404930114743},{"word":"that","start":451.88998,"end":452.05,"confidence":0.9725537,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20094692707061768},{"word":"your","start":452.05,"end":452.21,"confidence":0.9979455,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.253866970539093},{"word":"portfolio","start":452.21,"end":452.71,"confidence":0.9994506,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.16227254271507263},{"word":"remains","start":452.93,"end":453.33,"confidence":0.99939775,"punctuated_word":"remains","sentiment":"neutral","sentiment_score":0.22300821542739868},{"word":"in","start":453.33,"end":453.40997,"confidence":0.99885297,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23463785648345947},{"word":"line","start":453.40997,"end":453.65,"confidence":0.9995988,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.22994384169578552},{"word":"with","start":453.65,"end":453.88998,"confidence":0.9998462,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.25131112337112427},{"word":"your","start":453.88998,"end":454.05,"confidence":0.9996159,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23980867862701416},{"word":"high","start":454.05,"end":454.28998,"confidence":0.99838746,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.24648445844650269},{"word":"growth","start":454.28998,"end":454.69,"confidence":0.928166,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.28965523838996887},{"word":"portfolio","start":454.69,"end":455.19,"confidence":0.9590191,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.022790541872382164},{"word":"because","start":455.885,"end":456.125,"confidence":0.9998872,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.06889399886131287},{"word":"we're","start":456.125,"end":456.445,"confidence":0.9934504,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1507856398820877},{"word":"removing","start":456.445,"end":456.925,"confidence":0.9962573,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":0.1298038214445114},{"word":"all","start":456.925,"end":457.085,"confidence":0.99984205,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.04738660156726837},{"word":"of","start":457.085,"end":457.245,"confidence":0.99909234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05173564329743385},{"word":"the","start":457.245,"end":457.405,"confidence":0.99632853,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02449682354927063},{"word":"ban","start":457.405,"end":457.565,"confidence":0.6713265,"punctuated_word":"BAN","sentiment":"neutral","sentiment_score":-0.06265302002429962},{"word":"along","start":457.565,"end":457.885,"confidence":0.6045565,"punctuated_word":"along","sentiment":"neutral","sentiment_score":-0.024574141949415207},{"word":"australian","start":457.885,"end":458.365,"confidence":0.9926966,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.0005067437887191772},{"word":"equities","start":458.365,"end":458.865,"confidence":0.87841076,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":0.011893762275576591},{"word":"due","start":458.925,"end":459.245,"confidence":0.96711415,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.024959243834018707},{"word":"to","start":459.245,"end":459.325,"confidence":0.9908249,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.019329503178596497},{"word":"having","start":459.325,"end":459.645,"confidence":0.82666785,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.019946537911891937},{"word":"been","start":459.645,"end":459.965,"confidence":0.9950237,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.004715025424957275},{"word":"underperformed","start":459.965,"end":460.465,"confidence":0.9597857,"punctuated_word":"underperformed,","sentiment":"neutral","sentiment_score":0.07637831568717957},{"word":"we're","start":460.925,"end":461.165,"confidence":0.9995998,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2115235924720764},{"word":"actually","start":461.165,"end":461.48502,"confidence":0.99426514,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.20072844624519348},{"word":"gonna","start":461.48502,"end":461.805,"confidence":0.99731064,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.17789897322654724},{"word":"buy","start":461.805,"end":462.045,"confidence":0.9991959,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.11040359735488892},{"word":"into","start":462.045,"end":462.365,"confidence":0.9960318,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.17168061435222626},{"word":"the","start":462.365,"end":462.525,"confidence":0.999288,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20135703682899475},{"word":"beta","start":462.525,"end":462.925,"confidence":0.81863666,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.16896846890449524},{"word":"shares","start":462.925,"end":463.325,"confidence":0.9744674,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.1005083993077278},{"word":"australian","start":463.325,"end":463.825,"confidence":0.9392972,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.1244070753455162},{"word":"200","start":463.885,"end":464.605,"confidence":0.895654,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.17012640833854675},{"word":"so","start":464.605,"end":464.845,"confidence":0.9988102,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.266726553440094},{"word":"this","start":464.845,"end":465.005,"confidence":0.99984324,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3885252773761749},{"word":"is","start":465.005,"end":465.165,"confidence":0.9971276,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.35857075452804565},{"word":"more","start":465.165,"end":465.325,"confidence":0.9998764,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2993416488170624},{"word":"of","start":465.325,"end":465.48502,"confidence":0.99923897,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.37261220812797546},{"word":"a","start":465.48502,"end":465.565,"confidence":0.998686,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.41617628931999207},{"word":"passively","start":465.565,"end":466.065,"confidence":0.99868435,"punctuated_word":"passively","sentiment":"positive","sentiment_score":0.4654272496700287},{"word":"managed","start":466.125,"end":466.525,"confidence":0.99633706,"punctuated_word":"managed","sentiment":"positive","sentiment_score":0.44039300084114075},{"word":"fund","start":466.525,"end":467.025,"confidence":0.9817121,"punctuated_word":"fund.","sentiment":"positive","sentiment_score":0.3580001890659332},{"word":"it's","start":467.245,"end":467.48502,"confidence":0.927446,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.520385205745697},{"word":"still","start":467.48502,"end":467.725,"confidence":0.9998567,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.5518378615379333},{"word":"giving","start":467.725,"end":467.965,"confidence":0.9996213,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.5656432509422302},{"word":"you","start":467.965,"end":468.125,"confidence":0.99943227,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5816569924354553},{"word":"access","start":468.125,"end":468.445,"confidence":0.999869,"punctuated_word":"access","sentiment":"positive","sentiment_score":0.5185520052909851},{"word":"to","start":468.445,"end":468.605,"confidence":0.9958405,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6248981952667236},{"word":"the","start":468.605,"end":468.765,"confidence":0.99986875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.62730473279953},{"word":"top","start":468.765,"end":469.005,"confidence":0.9994436,"punctuated_word":"top","sentiment":"positive","sentiment_score":0.5452373623847961},{"word":"200","start":469.005,"end":469.745,"confidence":0.99942946,"punctuated_word":"200","sentiment":"positive","sentiment_score":0.6041622161865234},{"word":"companies","start":469.96,"end":470.28,"confidence":0.999539,"punctuated_word":"companies","sentiment":"positive","sentiment_score":0.445336639881134},{"word":"in","start":470.28,"end":470.59998,"confidence":0.99991024,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.46859070658683777},{"word":"australia","start":470.59998,"end":471.09998,"confidence":0.99292576,"punctuated_word":"Australia.","sentiment":"positive","sentiment_score":0.4420102834701538},{"word":"it's","start":471.56,"end":471.8,"confidence":0.9957105,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5742952823638916},{"word":"still","start":471.8,"end":471.96,"confidence":0.9997098,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.590237557888031},{"word":"giving","start":471.96,"end":472.19998,"confidence":0.99962497,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.6144126057624817},{"word":"you","start":472.19998,"end":472.36,"confidence":0.9954176,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.625267505645752},{"word":"australian","start":472.36,"end":472.84,"confidence":0.99617434,"punctuated_word":"Australian","sentiment":"positive","sentiment_score":0.7378801107406616},{"word":"equities","start":472.84,"end":473.31998,"confidence":0.91900575,"punctuated_word":"equities","sentiment":"positive","sentiment_score":0.6204580068588257},{"word":"exposure","start":473.31998,"end":473.8,"confidence":0.99754965,"punctuated_word":"exposure.","sentiment":"positive","sentiment_score":0.5616315603256226},{"word":"it's","start":473.8,"end":473.96,"confidence":0.9997853,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.7220787405967712},{"word":"actually","start":473.96,"end":474.28,"confidence":0.99521244,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.7237839102745056},{"word":"just","start":474.28,"end":474.44,"confidence":0.9964484,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.7096140384674072},{"word":"a","start":474.44,"end":474.52,"confidence":0.99901783,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7201868295669556},{"word":"bit","start":474.52,"end":474.75998,"confidence":0.99750465,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.6090297698974609},{"word":"cheaper","start":474.75998,"end":475.24,"confidence":0.99951696,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.6780865788459778},{"word":"as","start":475.24,"end":475.47998,"confidence":0.9994543,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.6789843440055847},{"word":"a","start":475.47998,"end":475.56,"confidence":0.99891114,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5749910473823547},{"word":"fund","start":475.56,"end":476.06,"confidence":0.97859734,"punctuated_word":"fund,","sentiment":"positive","sentiment_score":0.5030572414398193},{"word":"which","start":476.12,"end":476.36,"confidence":0.99991477,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.541875958442688},{"word":"means","start":476.36,"end":476.68,"confidence":0.99878126,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.5524826049804688},{"word":"you","start":476.68,"end":476.91998,"confidence":0.9956657,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7055826187133789},{"word":"actually","start":476.91998,"end":477.31998,"confidence":0.9855488,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.7180489897727966},{"word":"do","start":477.31998,"end":477.47998,"confidence":0.99660265,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.724147379398346},{"word":"reduce","start":477.47998,"end":477.87997,"confidence":0.9969908,"punctuated_word":"reduce","sentiment":"positive","sentiment_score":0.6621538400650024},{"word":"the","start":477.87997,"end":478.03998,"confidence":0.99863416,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6751322746276855},{"word":"investment","start":478.03998,"end":478.53998,"confidence":0.9997819,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.3074725866317749},{"word":"cost","start":478.59998,"end":478.75998,"confidence":0.73375744,"punctuated_word":"cost","sentiment":"positive","sentiment_score":0.576265811920166},{"word":"that","start":478.75998,"end":478.91998,"confidence":0.99983776,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6853064894676208},{"word":"you'll","start":478.91998,"end":479.15997,"confidence":0.99967587,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.6429837942123413},{"word":"be","start":479.15997,"end":479.31998,"confidence":0.99947053,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.66799396276474},{"word":"paying","start":479.31998,"end":479.56,"confidence":0.9999521,"punctuated_word":"paying","sentiment":"positive","sentiment_score":0.5790792107582092},{"word":"for","start":479.56,"end":480.06,"confidence":0.79839563,"punctuated_word":"for,","sentiment":"positive","sentiment_score":0.5758302211761475},{"word":"and","start":480.59998,"end":480.84,"confidence":0.95951897,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5885222554206848},{"word":"it's","start":480.84,"end":481.08,"confidence":0.94826996,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6634746789932251},{"word":"it","start":481.24,"end":481.4,"confidence":0.9503245,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6232005953788757},{"word":"has","start":481.4,"end":481.63998,"confidence":0.9995515,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.6462465524673462},{"word":"performed","start":481.63998,"end":482.12,"confidence":0.9935306,"punctuated_word":"performed","sentiment":"positive","sentiment_score":0.7044665217399597},{"word":"greater","start":482.12,"end":482.52,"confidence":0.9908648,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.7108666896820068},{"word":"over","start":482.52,"end":482.75998,"confidence":0.9997601,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.6640295386314392},{"word":"the","start":482.75998,"end":482.91998,"confidence":0.999006,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6011766791343689},{"word":"past","start":482.91998,"end":483.24,"confidence":0.9856749,"punctuated_word":"past.","sentiment":"positive","sentiment_score":0.4699648022651672},{"word":"so","start":483.24,"end":483.74,"confidence":0.999119,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3745765089988709},{"word":"we","start":483.765,"end":483.92502,"confidence":0.99990416,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.42099666595458984},{"word":"hope","start":483.92502,"end":484.165,"confidence":0.96270037,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.357711523771286},{"word":"that","start":484.165,"end":484.24503,"confidence":0.9996648,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32455718517303467},{"word":"it","start":484.24503,"end":484.48502,"confidence":0.9995639,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.32042330503463745},{"word":"does","start":484.48502,"end":484.725,"confidence":0.99899954,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.3137196898460388},{"word":"better","start":484.725,"end":484.96503,"confidence":0.9994281,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.4473490118980408},{"word":"in","start":484.96503,"end":485.125,"confidence":0.9997305,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4169539213180542},{"word":"the","start":485.125,"end":485.285,"confidence":0.9986418,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4594122767448426},{"word":"future","start":485.285,"end":485.765,"confidence":0.9891804,"punctuated_word":"future,","sentiment":"neutral","sentiment_score":0.325710266828537},{"word":"but","start":485.765,"end":486.08502,"confidence":0.9931768,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.12489834427833556},{"word":"it","start":486.08502,"end":486.325,"confidence":0.9983683,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.006179302930831909},{"word":"kind","start":486.325,"end":486.565,"confidence":0.98130864,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.07544310390949249},{"word":"of","start":486.565,"end":486.64502,"confidence":0.99827313,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14501267671585083},{"word":"underperformed","start":486.64502,"end":487.14502,"confidence":0.9811437,"punctuated_word":"underperformed","sentiment":"neutral","sentiment_score":0.14574894309043884},{"word":"as","start":487.285,"end":487.445,"confidence":0.98724097,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2526847720146179},{"word":"much","start":487.445,"end":487.605,"confidence":0.999788,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.24167674779891968},{"word":"as","start":487.605,"end":487.765,"confidence":0.9693777,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25434619188308716},{"word":"benelon","start":487.765,"end":488.265,"confidence":0.72261816,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":0.27990031242370605},{"word":"has","start":488.325,"end":488.565,"confidence":0.99745136,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.3505247235298157},{"word":"recently","start":488.565,"end":488.96503,"confidence":0.9991327,"punctuated_word":"recently","sentiment":"positive","sentiment_score":0.3444119095802307},{"word":"as","start":488.96503,"end":489.125,"confidence":0.9991715,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3523583710193634},{"word":"well","start":489.125,"end":489.625,"confidence":0.9998266,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1928897202014923},{"word":"by","start":490.64502,"end":490.96503,"confidence":0.95385575,"punctuated_word":"By","sentiment":"neutral","sentiment_score":0.19020983576774597},{"word":"removing","start":490.96503,"end":491.36502,"confidence":0.9999329,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":0.14772191643714905},{"word":"the","start":491.36502,"end":491.605,"confidence":0.9995808,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05610659718513489},{"word":"bank","start":491.605,"end":491.845,"confidence":0.95780176,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.012129172682762146},{"word":"hybrids","start":491.845,"end":492.24503,"confidence":0.8866362,"punctuated_word":"hybrids,","sentiment":"neutral","sentiment_score":0.039375584572553635},{"word":"that's","start":492.24503,"end":492.48502,"confidence":0.99909234,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0667937621474266},{"word":"more","start":492.48502,"end":492.64502,"confidence":0.9997998,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06842850148677826},{"word":"of","start":492.64502,"end":492.80502,"confidence":0.99828726,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08639384061098099},{"word":"a","start":492.80502,"end":492.96503,"confidence":0.99709725,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1038803607225418},{"word":"defensive","start":492.96503,"end":493.445,"confidence":0.89291483,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.06679500639438629},{"word":"sort","start":493.445,"end":493.68503,"confidence":0.58555484,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06966181099414825},{"word":"of","start":493.68503,"end":493.845,"confidence":0.9370211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07711812108755112},{"word":"lower","start":493.845,"end":494.08502,"confidence":0.5317101,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.048904821276664734},{"word":"risk","start":494.08502,"end":494.325,"confidence":0.99935585,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.16005472838878632},{"word":"investment","start":494.325,"end":494.80502,"confidence":0.987561,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":-0.004934374243021011},{"word":"we","start":494.80502,"end":495.045,"confidence":0.99982077,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.17842228710651398},{"word":"are","start":495.045,"end":495.125,"confidence":0.9997514,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1844167709350586},{"word":"gonna","start":495.125,"end":495.445,"confidence":0.99922943,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.234104722738266},{"word":"keep","start":495.445,"end":495.68503,"confidence":0.99832135,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2233344167470932},{"word":"and","start":495.68503,"end":495.845,"confidence":0.9811329,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1886427104473114},{"word":"move","start":495.845,"end":496.005,"confidence":0.9987565,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.25621742010116577},{"word":"the","start":496.005,"end":496.165,"confidence":0.9989078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3067370355129242},{"word":"money","start":496.165,"end":496.40503,"confidence":0.9999658,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.27308204770088196},{"word":"into","start":496.40503,"end":496.725,"confidence":0.9991441,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.28977692127227783},{"word":"what","start":496.725,"end":496.885,"confidence":0.9774736,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.3202967941761017},{"word":"the","start":496.885,"end":497.045,"confidence":0.9188146,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24515679478645325},{"word":"ishares","start":497.045,"end":497.545,"confidence":0.82407475,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":0.24889500439167023},{"word":"core","start":497.605,"end":497.845,"confidence":0.72240865,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.2391585409641266},{"word":"composite","start":497.845,"end":498.325,"confidence":0.9703773,"punctuated_word":"composite","sentiment":"neutral","sentiment_score":0.2754829525947571},{"word":"bond","start":498.325,"end":498.81,"confidence":0.9692693,"punctuated_word":"bond.","sentiment":"neutral","sentiment_score":0.25185731053352356},{"word":"it","start":498.88998,"end":499.05,"confidence":0.9995982,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2878628075122833},{"word":"is","start":499.05,"end":499.21,"confidence":0.9988889,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.29607337713241577},{"word":"just","start":499.21,"end":499.37,"confidence":0.9898756,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3059624433517456},{"word":"giving","start":499.37,"end":499.69,"confidence":0.99961936,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.31228452920913696},{"word":"you","start":499.69,"end":499.93,"confidence":0.99988854,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3254778981208801},{"word":"a","start":499.93,"end":500.01,"confidence":0.99979633,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.33479559421539307},{"word":"bit","start":500.01,"end":500.33,"confidence":0.99987435,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2620142698287964},{"word":"of","start":500.33,"end":500.49,"confidence":0.9997849,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2665661573410034},{"word":"the","start":500.49,"end":500.99,"confidence":0.99949896,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25683921575546265},{"word":"sorry","start":502.09,"end":502.33,"confidence":0.83040035,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.14308634400367737},{"word":"it","start":502.33,"end":502.49,"confidence":0.99523807,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.22501477599143985},{"word":"is","start":502.49,"end":502.65,"confidence":0.99535453,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19082918763160703},{"word":"just","start":502.65,"end":502.81,"confidence":0.9950074,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22194570302963257},{"word":"making","start":502.81,"end":503.05,"confidence":0.99981505,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.28078898787498474},{"word":"sure","start":503.05,"end":503.29,"confidence":0.99928063,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.32724079489707947},{"word":"and","start":503.29,"end":503.37,"confidence":0.6472502,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26591235399246216},{"word":"giving","start":503.37,"end":503.69,"confidence":0.9991671,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.34707146883010864},{"word":"you","start":503.69,"end":504.01,"confidence":0.99963975,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.37122052907943726},{"word":"a","start":504.01,"end":504.16998,"confidence":0.9998336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.298786461353302},{"word":"bit","start":504.16998,"end":504.41,"confidence":0.9997701,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2822103798389435},{"word":"of","start":504.41,"end":504.65,"confidence":0.9997248,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29671692848205566},{"word":"the","start":504.65,"end":505.15,"confidence":0.99051815,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28544774651527405},{"word":"the","start":506.25,"end":506.57,"confidence":0.40322316,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2768700420856476},{"word":"defensive","start":506.57,"end":507.07,"confidence":0.7810438,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.2002761960029602},{"word":"investments","start":507.13,"end":507.53,"confidence":0.8917947,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.21219810843467712},{"word":"which","start":507.53,"end":507.77,"confidence":0.9998568,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.272445410490036},{"word":"is","start":507.77,"end":507.93,"confidence":0.86475825,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22994601726531985},{"word":"there","start":507.93,"end":508.09,"confidence":0.91639924,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2658311128616333},{"word":"for","start":508.09,"end":508.33,"confidence":0.9985819,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25823742151260376},{"word":"lower","start":508.33,"end":508.57,"confidence":0.998264,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.2508494555950165},{"word":"risk","start":508.57,"end":508.88998,"confidence":0.999338,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.1905624717473984},{"word":"and","start":508.88998,"end":509.05,"confidence":0.9866933,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35711339116096497},{"word":"for","start":509.05,"end":509.21,"confidence":0.8702287,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3862334489822388},{"word":"income","start":509.21,"end":509.61,"confidence":0.99860126,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.32070890069007874},{"word":"producing","start":509.61,"end":510.11,"confidence":0.98228276,"punctuated_word":"producing.","sentiment":"neutral","sentiment_score":0.27414393424987793},{"word":"so","start":510.81,"end":511.05,"confidence":0.9113393,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.3323882818222046},{"word":"essentially","start":511.05,"end":511.53,"confidence":0.9949296,"punctuated_word":"essentially,","sentiment":"positive","sentiment_score":0.3549330234527588},{"word":"making","start":511.53,"end":511.85,"confidence":0.89107835,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.5591116547584534},{"word":"those","start":511.85,"end":512.09,"confidence":0.9346886,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.5442000031471252},{"word":"small","start":512.09,"end":512.33,"confidence":0.9944114,"punctuated_word":"small","sentiment":"positive","sentiment_score":0.480628103017807},{"word":"changes","start":512.33,"end":512.73,"confidence":0.9998696,"punctuated_word":"changes","sentiment":"positive","sentiment_score":0.4130348563194275},{"word":"to","start":512.73,"end":512.89,"confidence":0.9981779,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4710800051689148},{"word":"your","start":512.89,"end":513.05,"confidence":0.9998184,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4637715518474579},{"word":"portfolio","start":513.05,"end":513.55,"confidence":0.99982387,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.16456210613250732},{"word":"has","start":513.85,"end":514.01,"confidence":0.9959882,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.4134771227836609},{"word":"a","start":514.01,"end":514.17,"confidence":0.9997316,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5068377256393433},{"word":"much","start":514.17,"end":514.365,"confidence":0.9999697,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4933203458786011},{"word":"greater","start":514.445,"end":514.765,"confidence":0.9994516,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.378149688243866},{"word":"difference","start":514.765,"end":515.08496,"confidence":0.9990023,"punctuated_word":"difference","sentiment":"positive","sentiment_score":0.48683229088783264},{"word":"there","start":515.08496,"end":515.565,"confidence":0.9938115,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.3909040093421936},{"word":"it","start":515.565,"end":515.725,"confidence":0.999574,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4592713415622711},{"word":"keeps","start":515.725,"end":516.045,"confidence":0.9946807,"punctuated_word":"keeps","sentiment":"positive","sentiment_score":0.44584107398986816},{"word":"you","start":516.045,"end":516.205,"confidence":0.9982551,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5164688229560852},{"word":"invested","start":516.205,"end":516.605,"confidence":0.9997495,"punctuated_word":"invested","sentiment":"positive","sentiment_score":0.42167729139328},{"word":"in","start":516.605,"end":516.765,"confidence":0.9992447,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.448445588350296},{"word":"line","start":516.765,"end":517.005,"confidence":0.9981831,"punctuated_word":"line","sentiment":"positive","sentiment_score":0.5312784910202026},{"word":"with","start":517.005,"end":517.245,"confidence":0.99988925,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5545420050621033},{"word":"the","start":517.245,"end":517.565,"confidence":0.9985902,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5271899104118347},{"word":"the","start":517.565,"end":518.045,"confidence":0.9989759,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5075719356536865},{"word":"growth","start":518.045,"end":518.365,"confidence":0.88133496,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3910881578922272},{"word":"portfolio","start":518.365,"end":518.865,"confidence":0.97581375,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.238020658493042},{"word":"that","start":519.08496,"end":519.245,"confidence":0.99943537,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.48332610726356506},{"word":"you're","start":519.245,"end":519.485,"confidence":0.9985992,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.44471126794815063},{"word":"after","start":519.485,"end":519.805,"confidence":0.9784259,"punctuated_word":"after,","sentiment":"positive","sentiment_score":0.361979067325592},{"word":"the","start":519.805,"end":519.96497,"confidence":0.99983835,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.484737753868103},{"word":"asset","start":519.96497,"end":520.285,"confidence":0.98846227,"punctuated_word":"asset","sentiment":"positive","sentiment_score":0.361448734998703},{"word":"allocation","start":520.285,"end":520.685,"confidence":0.99954104,"punctuated_word":"allocation","sentiment":"positive","sentiment_score":0.4137783348560333},{"word":"that","start":520.685,"end":520.925,"confidence":0.9998598,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4788837730884552},{"word":"you're","start":520.925,"end":521.165,"confidence":0.99895847,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4522452354431152},{"word":"after","start":521.165,"end":521.665,"confidence":0.9876478,"punctuated_word":"after.","sentiment":"neutral","sentiment_score":0.25748878717422485},{"word":"but","start":521.805,"end":521.96497,"confidence":0.9981957,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.25528791546821594},{"word":"when","start":521.96497,"end":522.125,"confidence":0.99983716,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3883858025074005},{"word":"i","start":522.125,"end":522.205,"confidence":0.99990785,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.30160295963287354},{"word":"looked","start":522.205,"end":522.445,"confidence":0.8876115,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.18930909037590027},{"word":"at","start":522.445,"end":522.605,"confidence":0.9848705,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1836356371641159},{"word":"the","start":522.605,"end":522.765,"confidence":0.9979925,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20188933610916135},{"word":"phase","start":522.765,"end":523.005,"confidence":0.9742494,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.15267880260944366},{"word":"of","start":523.005,"end":523.245,"confidence":0.998475,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12117739766836166},{"word":"make","start":523.245,"end":523.485,"confidence":0.53123546,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10390859842300416},{"word":"making","start":523.645,"end":524.045,"confidence":0.99972457,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.1309356391429901},{"word":"these","start":524.045,"end":524.365,"confidence":0.999158,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.08517731726169586},{"word":"differences","start":524.365,"end":524.865,"confidence":0.8823651,"punctuated_word":"differences,","sentiment":"neutral","sentiment_score":0.09416121244430542},{"word":"by","start":525.40497,"end":525.90497,"confidence":0.99085414,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.14217783510684967},{"word":"removing","start":525.96497,"end":526.445,"confidence":0.99964106,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":0.1143907681107521},{"word":"the","start":526.445,"end":526.605,"confidence":0.99448276,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.028624460101127625},{"word":"underperforming","start":526.605,"end":527.105,"confidence":0.9968674,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.08309051394462585},{"word":"investment","start":527.325,"end":527.825,"confidence":0.99942565,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.0840265303850174},{"word":"and","start":528.41003,"end":528.57,"confidence":0.9999238,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04560759663581848},{"word":"making","start":528.57,"end":528.97003,"confidence":0.9996037,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.1799897849559784},{"word":"a","start":528.97003,"end":529.05005,"confidence":0.9974197,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10221359878778458},{"word":"bit","start":529.05005,"end":529.21,"confidence":0.9998178,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09820812940597534},{"word":"of","start":529.21,"end":529.37006,"confidence":0.99982196,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11252520978450777},{"word":"a","start":529.37006,"end":529.53,"confidence":0.9966587,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06858181953430176},{"word":"rebalance","start":529.53,"end":530.03,"confidence":0.9933872,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.08328127861022949},{"word":"there","start":530.17004,"end":530.65,"confidence":0.9888327,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.31224149465560913},{"word":"we","start":530.65,"end":530.81,"confidence":0.9995721,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.6015352606773376},{"word":"can","start":530.81,"end":531.05005,"confidence":0.9998085,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6720414161682129},{"word":"actually","start":531.05005,"end":531.29004,"confidence":0.99683845,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.6629323959350586},{"word":"see","start":531.29004,"end":531.53,"confidence":0.9971185,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.6110857725143433},{"word":"that","start":531.53,"end":531.69,"confidence":0.98559976,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6377421021461487},{"word":"we","start":531.69,"end":531.93005,"confidence":0.9987866,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.6599978804588318},{"word":"save","start":531.93005,"end":532.17004,"confidence":0.8650013,"punctuated_word":"save","sentiment":"positive","sentiment_score":0.4943324327468872},{"word":"you","start":532.17004,"end":532.41003,"confidence":0.9979157,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6382349729537964},{"word":"about","start":532.41003,"end":532.81,"confidence":0.984503,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.5724961757659912},{"word":"$463","start":532.81,"end":534.59,"confidence":0.9873929,"punctuated_word":"$463","sentiment":"positive","sentiment_score":0.5526516437530518},{"word":"on","start":534.65,"end":534.89,"confidence":0.99969184,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6998593807220459},{"word":"investment","start":534.89,"end":535.39,"confidence":0.9982704,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.19077236950397491},{"word":"fees","start":535.45,"end":535.93005,"confidence":0.94889843,"punctuated_word":"fees,","sentiment":"positive","sentiment_score":0.4057630002498626},{"word":"which","start":535.93005,"end":536.09,"confidence":0.99987495,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.510928750038147},{"word":"is","start":536.09,"end":536.33,"confidence":0.9992367,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6871711015701294},{"word":"fantastic","start":536.33,"end":536.83,"confidence":0.9999031,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.7960614562034607},{"word":"to","start":537.05005,"end":537.21,"confidence":0.99772483,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.79505854845047},{"word":"see","start":537.21,"end":537.61005,"confidence":0.9608817,"punctuated_word":"see.","sentiment":"positive","sentiment_score":0.7200610637664795},{"word":"so","start":537.61005,"end":538.11005,"confidence":0.99850637,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0315471813082695},{"word":"it's","start":539.13,"end":539.45,"confidence":0.8854861,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.05014555901288986},{"word":"really","start":539.45,"end":539.77,"confidence":0.99983144,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.12090589851140976},{"word":"important","start":539.77,"end":540.25,"confidence":0.9996766,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.1536777764558792},{"word":"that","start":540.25,"end":540.75,"confidence":0.9975231,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14353196322917938},{"word":"sorry","start":541.865,"end":542.185,"confidence":0.86696696,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.18919891119003296},{"word":"you're","start":542.185,"end":542.34503,"confidence":0.9930628,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.1400807499885559},{"word":"right","start":542.34503,"end":542.84503,"confidence":0.82902825,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.0592697449028492},{"word":"yeah","start":546.425,"end":546.825,"confidence":0.98381364,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0010440479964017868},{"word":"yeah","start":546.825,"end":547.225,"confidence":0.9013028,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0032769590616226196},{"word":"so","start":547.225,"end":547.625,"confidence":0.9975182,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02117938920855522},{"word":"we're","start":547.625,"end":548.125,"confidence":0.9971659,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.014665129594504831},{"word":"selling","start":548.585,"end":548.905,"confidence":0.9430764,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.05337776988744736},{"word":"off","start":548.905,"end":549.065,"confidence":0.9890487,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.08520348370075226},{"word":"some","start":549.065,"end":549.305,"confidence":0.9983575,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.0446121022105217},{"word":"of","start":549.305,"end":549.385,"confidence":0.99714977,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07178881764411926},{"word":"the","start":549.385,"end":549.545,"confidence":0.99976605,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11122769117355348},{"word":"investments","start":549.545,"end":550.045,"confidence":0.9983791,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.1159559041261673},{"word":"and","start":550.105,"end":550.34503,"confidence":0.9707218,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12597574293613434},{"word":"rebalancing","start":550.34503,"end":550.84503,"confidence":0.99455386,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":-0.062114227563142776},{"word":"other","start":550.985,"end":551.225,"confidence":0.9931971,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.07877341657876968},{"word":"ones","start":551.225,"end":551.545,"confidence":0.99841845,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":-0.06413242220878601},{"word":"and","start":551.545,"end":551.785,"confidence":0.93480694,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.054343342781066895},{"word":"moving","start":551.785,"end":552.025,"confidence":0.9997875,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":-0.02623474597930908},{"word":"the","start":552.025,"end":552.185,"confidence":0.99826604,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.037059441208839417},{"word":"money","start":552.185,"end":552.425,"confidence":0.99996996,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.010122627019882202},{"word":"into","start":552.425,"end":552.825,"confidence":0.99940526,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.024665050208568573},{"word":"other","start":552.825,"end":553.065,"confidence":0.9997273,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.036679454147815704},{"word":"investments","start":553.065,"end":553.565,"confidence":0.9993519,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":-0.031348686665296555},{"word":"yes","start":553.945,"end":554.445,"confidence":0.9691208,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.02132450230419636},{"word":"there","start":561.93,"end":562.41,"confidence":0.8967717,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.04278791695833206},{"word":"can","start":562.41,"end":562.73,"confidence":0.99737024,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.04223128408193588},{"word":"be","start":562.73,"end":563.12994,"confidence":0.93686885,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":-0.03215858340263367},{"word":"the","start":563.12994,"end":563.37,"confidence":0.99605906,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.10151243209838869},{"word":"portfolio","start":563.37,"end":563.87,"confidence":0.9992894,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.12814858555793762},{"word":"we","start":564.08997,"end":564.25,"confidence":0.9887361,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07448626309633255},{"word":"have","start":564.25,"end":564.41,"confidence":0.999074,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0837632417678833},{"word":"you","start":564.41,"end":564.64996,"confidence":0.9965719,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11573822796344756},{"word":"in","start":564.64996,"end":565.14996,"confidence":0.99780625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0956556648015976},{"word":"may","start":565.44995,"end":565.61,"confidence":0.98824817,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.0934344232082367},{"word":"have","start":565.61,"end":565.85,"confidence":0.99885726,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.055362384766340256},{"word":"some","start":565.85,"end":566.00995,"confidence":0.9171125,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.0633540153503418},{"word":"of","start":566.00995,"end":566.17,"confidence":0.79929835,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07102622091770172},{"word":"those","start":566.17,"end":566.32996,"confidence":0.96658796,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.060053300112485886},{"word":"in","start":566.32996,"end":566.41,"confidence":0.9804427,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07674574106931686},{"word":"the","start":566.41,"end":566.56995,"confidence":0.9972308,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08604677021503448},{"word":"underlying","start":566.56995,"end":567.06995,"confidence":0.99116653,"punctuated_word":"underlying,","sentiment":"neutral","sentiment_score":-0.07240281999111176},{"word":"but","start":567.12994,"end":567.37,"confidence":0.9994666,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.04650075733661651},{"word":"we","start":567.37,"end":567.44995,"confidence":0.999373,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12340352684259416},{"word":"haven't","start":567.44995,"end":567.68994,"confidence":0.9998791,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.1200018674135208},{"word":"specifically","start":567.68994,"end":568.18994,"confidence":0.99727494,"punctuated_word":"specifically","sentiment":"neutral","sentiment_score":-0.11953985691070557},{"word":"focused","start":568.49,"end":568.88995,"confidence":0.9984139,"punctuated_word":"focused","sentiment":"neutral","sentiment_score":-0.1095857173204422},{"word":"on","start":568.88995,"end":569.05,"confidence":0.99809927,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08183763176202774},{"word":"those","start":569.05,"end":569.20996,"confidence":0.99476683,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.13043077290058136},{"word":"sorts","start":569.20996,"end":569.52997,"confidence":0.91080266,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":-0.1554526686668396},{"word":"of","start":569.52997,"end":569.68994,"confidence":0.997837,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13363511860370636},{"word":"areas","start":569.68994,"end":570.00995,"confidence":0.9463098,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":-0.08964312821626663},{"word":"because","start":570.00995,"end":570.41,"confidence":0.8792918,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.18158631026744845},{"word":"they","start":570.41,"end":570.49,"confidence":0.97699726,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.23433056473731995},{"word":"are","start":570.49,"end":570.855,"confidence":0.92393285,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2625857889652252},{"word":"seen","start":570.935,"end":571.01495,"confidence":0.9270265,"punctuated_word":"seen","sentiment":"negative","sentiment_score":-0.41329458355903625},{"word":"as","start":571.01495,"end":571.255,"confidence":0.9892407,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.3214659094810486},{"word":"extremely","start":571.255,"end":571.755,"confidence":0.99961215,"punctuated_word":"extremely","sentiment":"negative","sentiment_score":-0.42325055599212646},{"word":"risky","start":571.815,"end":572.315,"confidence":0.7971026,"punctuated_word":"risky.","sentiment":"negative","sentiment_score":-0.3540331721305847},{"word":"they","start":572.695,"end":572.855,"confidence":0.6770214,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.3054669201374054},{"word":"are","start":572.855,"end":573.01495,"confidence":0.9996569,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.3695105314254761},{"word":"very","start":573.01495,"end":573.33496,"confidence":0.9994772,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.410371869802475},{"word":"volatile","start":573.33496,"end":573.83496,"confidence":0.9998778,"punctuated_word":"volatile","sentiment":"negative","sentiment_score":-0.3999789953231811},{"word":"as","start":573.89496,"end":574.055,"confidence":0.99958223,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.38291147351264954},{"word":"well","start":574.055,"end":574.45496,"confidence":0.82119274,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.12330300360918044},{"word":"so","start":574.45496,"end":574.95496,"confidence":0.9972367,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0077053941786289215},{"word":"we","start":575.57495,"end":575.815,"confidence":0.87607884,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02451067417860031},{"word":"kinda","start":575.815,"end":576.135,"confidence":0.93209606,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.024127518758177757},{"word":"stick","start":576.135,"end":576.375,"confidence":0.9960914,"punctuated_word":"stick","sentiment":"neutral","sentiment_score":-0.009023509919643402},{"word":"to","start":576.375,"end":576.535,"confidence":0.99901974,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010885562747716904},{"word":"investments","start":576.535,"end":577.01495,"confidence":0.99631774,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.008777819573879242},{"word":"that","start":577.01495,"end":577.255,"confidence":0.9987539,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.012891314923763275},{"word":"have","start":577.255,"end":577.33496,"confidence":0.80075455,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.012812986969947817},{"word":"seen","start":577.33496,"end":577.57495,"confidence":0.9906324,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.0005790106952190399},{"word":"a","start":577.57495,"end":577.735,"confidence":0.99911565,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0031205471605062485},{"word":"greater","start":577.735,"end":578.055,"confidence":0.99648225,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":-0.012030385434627531},{"word":"track","start":578.055,"end":578.375,"confidence":0.9991997,"punctuated_word":"track","sentiment":"neutral","sentiment_score":-0.040383052080869675},{"word":"record","start":578.375,"end":578.855,"confidence":0.9997851,"punctuated_word":"record","sentiment":"neutral","sentiment_score":-0.0419887937605381},{"word":"that","start":578.855,"end":579.01495,"confidence":0.85541314,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02128545567393303},{"word":"have","start":579.01495,"end":579.255,"confidence":0.99825376,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.007814370095729828},{"word":"gone","start":579.255,"end":579.495,"confidence":0.9993292,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.00602201372385025},{"word":"through","start":579.495,"end":579.735,"confidence":0.99980646,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.009825184941291807},{"word":"the","start":579.735,"end":579.815,"confidence":0.9982255,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015038594603538511},{"word":"market","start":579.815,"end":580.21497,"confidence":0.9954705,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.13106964528560638},{"word":"ups","start":580.21497,"end":580.375,"confidence":0.80552363,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.06353192031383514},{"word":"and","start":580.375,"end":580.535,"confidence":0.9979518,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07013270258903503},{"word":"downs","start":580.535,"end":580.77496,"confidence":0.99105704,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":-0.07771816849708557},{"word":"and","start":580.77496,"end":580.935,"confidence":0.7307366,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06823412328958511},{"word":"the","start":580.935,"end":581.01495,"confidence":0.9947547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07715000212192535},{"word":"volatility","start":581.01495,"end":581.51495,"confidence":0.9992774,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":-0.06617893278598785},{"word":"that","start":581.57495,"end":581.815,"confidence":0.9994642,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06891027092933655},{"word":"we","start":581.815,"end":581.975,"confidence":0.9996916,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.041765280067920685},{"word":"have","start":581.975,"end":582.21497,"confidence":0.9992849,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06969784945249557},{"word":"seen","start":582.21497,"end":582.45496,"confidence":0.9760743,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.035827092826366425},{"word":"through","start":582.45496,"end":582.95496,"confidence":0.997048,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.04829445481300354},{"word":"when","start":583.23,"end":583.39,"confidence":0.99959964,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.02466809004545212},{"word":"you","start":583.39,"end":583.47,"confidence":0.99993217,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.040488094091415405},{"word":"sort","start":583.47,"end":583.70996,"confidence":0.98983884,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.018317583948373795},{"word":"of","start":583.70996,"end":583.87,"confidence":0.99648845,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02547746524214745},{"word":"have","start":583.87,"end":583.99,"confidence":0.99956614,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.016065720468759537},{"word":"a","start":583.99,"end":584.11,"confidence":0.999178,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02360423468053341},{"word":"look","start":584.11,"end":584.27,"confidence":0.9999565,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.017971795052289963},{"word":"at","start":584.27,"end":584.43,"confidence":0.9994479,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.024845082312822345},{"word":"this","start":584.43,"end":584.91,"confidence":0.9938937,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":0.024977907538414},{"word":"you'll","start":584.91,"end":585.23,"confidence":0.8526279,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.02348354272544384},{"word":"look","start":585.23,"end":585.47,"confidence":0.9988563,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02189590595662594},{"word":"there","start":585.47,"end":585.63,"confidence":0.98728824,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.024247244000434875},{"word":"at","start":585.63,"end":585.87,"confidence":0.98606026,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.016377750784158707},{"word":"page","start":585.87,"end":586.19,"confidence":0.99973804,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.02150702476501465},{"word":"number","start":586.19,"end":586.69,"confidence":0.99988616,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.022047387436032295},{"word":"19","start":586.75,"end":587.23,"confidence":0.8481728,"punctuated_word":"19.","sentiment":"neutral","sentiment_score":0.03232777118682861},{"word":"you'll","start":587.23,"end":587.47,"confidence":0.9990745,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.027301374822854996},{"word":"see","start":587.47,"end":587.70996,"confidence":0.9995192,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.03472902998328209},{"word":"exactly","start":587.70996,"end":588.11,"confidence":0.999572,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.023127492517232895},{"word":"what","start":588.11,"end":588.27,"confidence":0.9995535,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.026658400893211365},{"word":"we","start":588.27,"end":588.35,"confidence":0.99934596,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03815857693552971},{"word":"have","start":588.35,"end":588.58997,"confidence":0.9995241,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.027347585186362267},{"word":"you","start":588.58997,"end":588.75,"confidence":0.9981596,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027091318741440773},{"word":"in","start":588.75,"end":589.07,"confidence":0.92323005,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.015963230282068253},{"word":"but","start":589.07,"end":589.47,"confidence":0.93548346,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.028648529201745987},{"word":"realistically","start":589.47,"end":589.97,"confidence":0.99990565,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.04594145342707634},{"word":"once","start":590.19,"end":590.43,"confidence":0.9997867,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.20460478961467743},{"word":"we","start":590.43,"end":590.67,"confidence":0.99962795,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1486426293849945},{"word":"kind","start":590.67,"end":590.83,"confidence":0.76262945,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11442116647958755},{"word":"of","start":590.83,"end":590.99,"confidence":0.9979444,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1941342651844025},{"word":"finish","start":590.99,"end":591.31,"confidence":0.9414231,"punctuated_word":"finish","sentiment":"neutral","sentiment_score":0.12670983374118805},{"word":"this","start":591.31,"end":591.63,"confidence":0.9986712,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":0.16414211690425873},{"word":"you'll","start":591.63,"end":591.87,"confidence":0.9998959,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.1790934056043625},{"word":"see","start":591.87,"end":592.37,"confidence":0.99950576,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.19161498546600345},{"word":"about","start":592.83,"end":593.14996,"confidence":0.9635224,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13383105397224426},{"word":"7%","start":593.14996,"end":593.79,"confidence":0.9974139,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":0.1916135847568512},{"word":"of","start":593.79,"end":593.87,"confidence":0.9999089,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1523185670375824},{"word":"your","start":593.87,"end":594.11,"confidence":0.9994842,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19724774360656736},{"word":"portfolio","start":594.11,"end":594.61,"confidence":0.9999217,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1450999081134796},{"word":"invested","start":594.83,"end":595.23,"confidence":0.9982552,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.15846417844295502},{"word":"in","start":595.23,"end":595.39,"confidence":0.99976736,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2377704679965973},{"word":"battery","start":595.39,"end":595.63,"confidence":0.9977811,"punctuated_word":"battery","sentiment":"neutral","sentiment_score":0.21244439482688904},{"word":"and","start":595.63,"end":595.87,"confidence":0.9538261,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17990173399448395},{"word":"lithium","start":595.87,"end":596.19,"confidence":0.9982153,"punctuated_word":"lithium","sentiment":"neutral","sentiment_score":0.15632180869579315},{"word":"tech","start":596.19,"end":596.51,"confidence":0.9481281,"punctuated_word":"tech","sentiment":"neutral","sentiment_score":0.184322327375412},{"word":"to","start":596.51,"end":596.58997,"confidence":0.29254457,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20538511872291565},{"word":"still","start":596.58997,"end":596.91,"confidence":0.99574786,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2396193891763687},{"word":"give","start":596.91,"end":597.07,"confidence":0.6608242,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2334435135126114},{"word":"you","start":597.07,"end":597.39,"confidence":0.98919755,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3014446198940277},{"word":"good","start":597.39,"end":597.87,"confidence":0.697304,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.22127637267112732},{"word":"access","start":597.87,"end":598.27,"confidence":0.8758029,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.2532399296760559},{"word":"to","start":598.27,"end":598.695,"confidence":0.99831414,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31546828150749207},{"word":"those","start":599.175,"end":599.495,"confidence":0.9987809,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.22435873746871948},{"word":"other","start":599.495,"end":599.655,"confidence":0.9830398,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2174030840396881},{"word":"sorts","start":599.655,"end":599.97504,"confidence":0.99100083,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.18266534805297852},{"word":"of","start":599.97504,"end":600.135,"confidence":0.99837756,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2321152538061142},{"word":"minerals","start":600.135,"end":600.53503,"confidence":0.997624,"punctuated_word":"minerals","sentiment":"neutral","sentiment_score":0.20980273187160492},{"word":"there","start":600.53503,"end":600.695,"confidence":0.89981925,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2070486396551132},{"word":"and","start":600.695,"end":600.935,"confidence":0.8578278,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20399218797683716},{"word":"tech","start":600.935,"end":601.255,"confidence":0.9944693,"punctuated_word":"tech","sentiment":"neutral","sentiment_score":0.14474070072174072},{"word":"sector","start":601.255,"end":601.755,"confidence":0.98181397,"punctuated_word":"sector.","sentiment":"neutral","sentiment_score":0.22225001454353333},{"word":"you'll","start":602.295,"end":602.53503,"confidence":0.9705064,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.26290902495384216},{"word":"have","start":602.53503,"end":602.855,"confidence":0.9999368,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.27778762578964233},{"word":"6%","start":602.855,"end":603.415,"confidence":0.99827826,"punctuated_word":"6%","sentiment":"neutral","sentiment_score":0.30110782384872437},{"word":"of","start":603.415,"end":603.575,"confidence":0.99800605,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28559499979019165},{"word":"physical","start":603.575,"end":603.97504,"confidence":0.99964845,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.2693812847137451},{"word":"gold","start":603.97504,"end":604.215,"confidence":0.993694,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.25477221608161926},{"word":"because","start":604.215,"end":604.53503,"confidence":0.59486496,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.26702189445495605},{"word":"gold","start":604.53503,"end":604.775,"confidence":0.99921155,"punctuated_word":"gold","sentiment":"positive","sentiment_score":0.37618905305862427},{"word":"has","start":604.775,"end":605.015,"confidence":0.99732494,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.38607367873191833},{"word":"still","start":605.015,"end":605.255,"confidence":0.9949604,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4149755835533142},{"word":"done","start":605.255,"end":605.575,"confidence":0.99685305,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.4277455806732178},{"word":"really","start":605.575,"end":605.735,"confidence":0.9994061,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4819048345088959},{"word":"well","start":605.735,"end":605.97504,"confidence":0.9901958,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.41847774386405945},{"word":"it","start":605.97504,"end":606.135,"confidence":0.96337795,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5038800835609436},{"word":"is","start":606.135,"end":606.295,"confidence":0.98808354,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4513155221939087},{"word":"still","start":606.295,"end":606.53503,"confidence":0.9995357,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4976627230644226},{"word":"very","start":606.53503,"end":606.775,"confidence":0.99976534,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5386629700660706},{"word":"good","start":606.775,"end":607.015,"confidence":0.9999088,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4861220121383667},{"word":"to","start":607.015,"end":607.175,"confidence":0.99981445,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4788866341114044},{"word":"hold","start":607.175,"end":607.415,"confidence":0.99991,"punctuated_word":"hold","sentiment":"positive","sentiment_score":0.5220530033111572},{"word":"on","start":607.415,"end":607.655,"confidence":0.82383883,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.488575667142868},{"word":"to","start":607.655,"end":608.155,"confidence":0.99605334,"punctuated_word":"to.","sentiment":"positive","sentiment_score":0.4663743674755096},{"word":"you'll","start":608.615,"end":608.855,"confidence":0.99276084,"punctuated_word":"You'll","sentiment":"positive","sentiment_score":0.38184505701065063},{"word":"have","start":608.855,"end":609.09503,"confidence":0.9997873,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.33205410838127136},{"word":"7%","start":609.09503,"end":609.735,"confidence":0.99937904,"punctuated_word":"7%","sentiment":"positive","sentiment_score":0.3587188124656677},{"word":"in","start":609.735,"end":609.895,"confidence":0.88365144,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3499661982059479},{"word":"cybersecurity","start":609.895,"end":610.395,"confidence":0.896911,"punctuated_word":"cybersecurity,","sentiment":"neutral","sentiment_score":0.30298811197280884},{"word":"which","start":610.695,"end":610.855,"confidence":0.99993026,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.3568870723247528},{"word":"is","start":610.855,"end":611.09503,"confidence":0.9996586,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3583250939846039},{"word":"still","start":611.09503,"end":611.255,"confidence":0.99885845,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4086565375328064},{"word":"a","start":611.255,"end":611.335,"confidence":0.9992347,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4441713094711304},{"word":"great","start":611.335,"end":611.655,"confidence":0.9876402,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.5874629020690918},{"word":"area","start":611.655,"end":611.97504,"confidence":0.9998091,"punctuated_word":"area","sentiment":"positive","sentiment_score":0.5654236674308777},{"word":"to","start":611.97504,"end":612.135,"confidence":0.9996635,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5475784540176392},{"word":"see","start":612.135,"end":612.635,"confidence":0.9978348,"punctuated_word":"see.","sentiment":"positive","sentiment_score":0.5076830983161926},{"word":"you'll","start":613.09,"end":613.33,"confidence":0.98447275,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.2977730631828308},{"word":"have","start":613.33,"end":613.57,"confidence":0.99980336,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.26174667477607727},{"word":"some","start":613.57,"end":613.81,"confidence":0.9992107,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.23343555629253387},{"word":"funds","start":613.81,"end":614.13,"confidence":0.9946689,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.23879030346870425},{"word":"in","start":614.13,"end":614.63,"confidence":0.99978524,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23590536415576935},{"word":"the","start":614.85,"end":615.01,"confidence":0.8733688,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.227324441075325},{"word":"ishares","start":615.01,"end":615.49,"confidence":0.95080817,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":0.20262441039085388},{"word":"core","start":615.49,"end":615.73,"confidence":0.70956635,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.1553453654050827},{"word":"composite","start":615.73,"end":616.23,"confidence":0.95748067,"punctuated_word":"composite","sentiment":"neutral","sentiment_score":0.21333125233650208},{"word":"bond","start":616.29,"end":616.79,"confidence":0.8437496,"punctuated_word":"bond.","sentiment":"neutral","sentiment_score":0.20064496994018555},{"word":"we'll","start":616.93,"end":617.09,"confidence":0.9965842,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.16451965272426605},{"word":"also","start":617.09,"end":617.49,"confidence":0.997332,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11731749027967452},{"word":"see","start":617.49,"end":617.73,"confidence":0.9940065,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.14006099104881287},{"word":"the","start":617.73,"end":617.89,"confidence":0.9995084,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1588215529918671},{"word":"s","start":617.89,"end":618.05,"confidence":0.7772734,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.10516513884067535},{"word":"and","start":618.05,"end":618.21,"confidence":0.9557823,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07443574070930481},{"word":"p","start":618.21,"end":618.53,"confidence":0.99916935,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.08641069382429123},{"word":"500","start":618.53,"end":619.01,"confidence":0.99978346,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.13870398700237274},{"word":"because","start":619.01,"end":619.41,"confidence":0.8703928,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.09121450036764144},{"word":"the","start":619.41,"end":619.57,"confidence":0.9983364,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.09125161916017532},{"word":"us","start":619.57,"end":619.89,"confidence":0.9986966,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.07516761124134064},{"word":"is","start":619.89,"end":619.97003,"confidence":0.9974003,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15562842786312103},{"word":"still","start":619.97003,"end":620.21,"confidence":0.999731,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2536204755306244},{"word":"a","start":620.21,"end":620.29,"confidence":0.99926525,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25330379605293274},{"word":"really","start":620.29,"end":620.53,"confidence":0.9991937,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.271305650472641},{"word":"good","start":620.53,"end":620.69,"confidence":0.99943215,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2984318435192108},{"word":"place","start":620.69,"end":620.93,"confidence":0.999215,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.31510844826698303},{"word":"to","start":620.93,"end":621.09,"confidence":0.99970007,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3236044943332672},{"word":"be","start":621.09,"end":621.25,"confidence":0.99946684,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.32798218727111816},{"word":"invested","start":621.25,"end":621.73,"confidence":0.99955124,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.2646099328994751},{"word":"in","start":621.73,"end":622.05,"confidence":0.9976361,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4112745523452759},{"word":"even","start":622.05,"end":622.29,"confidence":0.8304233,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.18116873502731323},{"word":"though","start":622.29,"end":622.45,"confidence":0.99948883,"punctuated_word":"though","sentiment":"neutral","sentiment_score":0.10726191103458405},{"word":"it","start":622.45,"end":622.61,"confidence":0.94196826,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13356322050094604},{"word":"is","start":622.61,"end":622.77,"confidence":0.97640026,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.041590116918087006},{"word":"seeing","start":622.77,"end":623.01,"confidence":0.98270917,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":0.020779676735401154},{"word":"the","start":623.01,"end":623.17,"confidence":0.99324715,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0007491260766983032},{"word":"volatility","start":623.17,"end":623.67,"confidence":0.9998832,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":-0.014526605606079102},{"word":"at","start":623.81,"end":623.97003,"confidence":0.99892324,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.017777644097805023},{"word":"the","start":623.97003,"end":624.05,"confidence":0.9994443,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06378211081027985},{"word":"moment","start":624.05,"end":624.55,"confidence":0.99909174,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.10312201082706451},{"word":"we'll","start":625.09,"end":625.25,"confidence":0.9923218,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.18898937106132507},{"word":"still","start":625.25,"end":625.57,"confidence":0.99583757,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2064120322465897},{"word":"see","start":625.57,"end":625.81,"confidence":0.990607,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.23820942640304563},{"word":"some","start":625.81,"end":625.97003,"confidence":0.9982938,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2414204627275467},{"word":"vaneck","start":625.97003,"end":626.37,"confidence":0.6828857,"punctuated_word":"VanEck","sentiment":"neutral","sentiment_score":0.2134152352809906},{"word":"properties","start":626.37,"end":626.87,"confidence":0.91732734,"punctuated_word":"properties.","sentiment":"neutral","sentiment_score":0.21340355277061465},{"word":"the","start":626.93,"end":627.01,"confidence":0.9326849,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.47177618741989136},{"word":"property","start":627.01,"end":627.49,"confidence":0.9998043,"punctuated_word":"property","sentiment":"positive","sentiment_score":0.5292872786521912},{"word":"is","start":627.49,"end":627.73,"confidence":0.9997508,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5201258659362793},{"word":"a","start":627.73,"end":627.81,"confidence":0.99954104,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5831810832023621},{"word":"great","start":627.81,"end":628.31,"confidence":0.99992466,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.6165816187858582},{"word":"asset","start":628.745,"end":629.065,"confidence":0.999652,"punctuated_word":"asset","sentiment":"positive","sentiment_score":0.5538972020149231},{"word":"for","start":629.065,"end":629.225,"confidence":0.99962306,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5838115215301514},{"word":"diversification","start":629.225,"end":629.725,"confidence":0.9989543,"punctuated_word":"diversification.","sentiment":"positive","sentiment_score":0.590440034866333},{"word":"you'll","start":630.90497,"end":631.225,"confidence":0.91048694,"punctuated_word":"You'll","sentiment":"positive","sentiment_score":0.4392630457878113},{"word":"see","start":631.225,"end":631.46497,"confidence":0.99961483,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.36353799700737},{"word":"some","start":631.46497,"end":631.625,"confidence":0.9962419,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3729962706565857},{"word":"rafi","start":631.625,"end":632.02496,"confidence":0.5756162,"punctuated_word":"Rafi","sentiment":"positive","sentiment_score":0.3683800101280213},{"word":"200","start":632.02496,"end":632.58496,"confidence":0.9914029,"punctuated_word":"200","sentiment":"positive","sentiment_score":0.40977510809898376},{"word":"there","start":632.58496,"end":632.745,"confidence":0.758841,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.3085814416408539},{"word":"so","start":632.745,"end":632.90497,"confidence":0.95837975,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.3100352883338928},{"word":"giving","start":632.90497,"end":633.14496,"confidence":0.98797977,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.2600547671318054},{"word":"you","start":633.14496,"end":633.305,"confidence":0.9968272,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2604057490825653},{"word":"exposure","start":633.305,"end":633.785,"confidence":0.9958494,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.24099034070968628},{"word":"to","start":633.785,"end":634.105,"confidence":0.99945015,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28589895367622375},{"word":"high","start":634.105,"end":634.425,"confidence":0.9551309,"punctuated_word":"high,","sentiment":"neutral","sentiment_score":0.2538492679595947},{"word":"low","start":634.425,"end":634.745,"confidence":0.9844328,"punctuated_word":"low,","sentiment":"neutral","sentiment_score":0.21473857760429385},{"word":"and","start":634.745,"end":634.90497,"confidence":0.99953914,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22626250982284543},{"word":"mid","start":634.90497,"end":635.14496,"confidence":0.9952479,"punctuated_word":"mid","sentiment":"neutral","sentiment_score":0.2684614658355713},{"word":"stock","start":635.14496,"end":635.64496,"confidence":0.820841,"punctuated_word":"stock","sentiment":"neutral","sentiment_score":0.2828938364982605},{"word":"companies","start":636.185,"end":636.58496,"confidence":0.96207166,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.24261032044887543},{"word":"on","start":636.58496,"end":636.745,"confidence":0.9526,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2636484205722809},{"word":"the","start":636.745,"end":636.985,"confidence":0.99892336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27206066250801086},{"word":"asx","start":636.985,"end":637.485,"confidence":0.8119571,"punctuated_word":"ASX.","sentiment":"neutral","sentiment_score":0.244330495595932},{"word":"and","start":637.865,"end":638.02496,"confidence":0.9990404,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17378370463848114},{"word":"then","start":638.02496,"end":638.185,"confidence":0.99963486,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.154468834400177},{"word":"the","start":638.185,"end":638.345,"confidence":0.9958769,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.191295325756073},{"word":"beta","start":638.345,"end":638.665,"confidence":0.7976525,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.19401949644088745},{"word":"shares","start":638.665,"end":639.065,"confidence":0.67514753,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.14424842596054077},{"word":"a","start":639.065,"end":639.305,"confidence":0.84444606,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1935858279466629},{"word":"200","start":639.305,"end":639.945,"confidence":0.9739845,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.19257280230522156},{"word":"so","start":639.945,"end":640.105,"confidence":0.997632,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.23878590762615204},{"word":"giving","start":640.105,"end":640.425,"confidence":0.9993812,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.2083567380905151},{"word":"you","start":640.425,"end":640.58496,"confidence":0.99955505,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22206829488277435},{"word":"access","start":640.58496,"end":640.90497,"confidence":0.99983335,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.182008296251297},{"word":"to","start":640.90497,"end":641.065,"confidence":0.98952883,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23515690863132477},{"word":"the","start":641.065,"end":641.225,"confidence":0.9995654,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2151782214641571},{"word":"top","start":641.225,"end":641.38495,"confidence":0.9987068,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.20373892784118652},{"word":"200","start":641.38495,"end":642.02496,"confidence":0.999901,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.2655169665813446},{"word":"companies","start":642.02496,"end":642.505,"confidence":0.99660456,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.1984202265739441},{"word":"in","start":642.505,"end":642.665,"confidence":0.99985087,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.200023353099823},{"word":"australia","start":642.665,"end":643.165,"confidence":0.99972564,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.15919816493988037},{"word":"there","start":643.225,"end":643.725,"confidence":0.99766093,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.19737012684345245},{"word":"so","start":643.91003,"end":644.07007,"confidence":0.9974057,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22400783002376556},{"word":"it's","start":644.07007,"end":644.23004,"confidence":0.9927757,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2697172164916992},{"word":"about","start":644.23004,"end":644.55,"confidence":0.9977107,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2772313356399536},{"word":"making","start":644.55,"end":644.87,"confidence":0.99980086,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.2987905740737915},{"word":"sure","start":644.87,"end":645.11005,"confidence":0.9998035,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.3506901264190674},{"word":"that","start":645.11005,"end":645.27,"confidence":0.9997807,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3510018587112427},{"word":"you","start":645.27,"end":645.43,"confidence":0.9999176,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34494319558143616},{"word":"are","start":645.43,"end":645.67004,"confidence":0.99947876,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2732298970222473},{"word":"invested","start":645.67004,"end":646.15,"confidence":0.99915767,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.2578622102737427},{"word":"in","start":646.15,"end":646.31,"confidence":0.999788,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3246191442012787},{"word":"a","start":646.31,"end":646.39,"confidence":0.976607,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2796097993850708},{"word":"portfolio","start":646.39,"end":646.89,"confidence":0.99991333,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2451796531677246},{"word":"that","start":646.95,"end":647.19,"confidence":0.99973494,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29238012433052063},{"word":"has","start":647.19,"end":647.43,"confidence":0.9984762,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.233182355761528},{"word":"seen","start":647.43,"end":647.59,"confidence":0.84297395,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.2745249569416046},{"word":"a","start":647.59,"end":647.75,"confidence":0.99970394,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29321369528770447},{"word":"great","start":647.75,"end":648.07,"confidence":0.9997751,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.3602800667285919},{"word":"track","start":648.07,"end":648.31,"confidence":0.9996574,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.3180563151836395},{"word":"record","start":648.31,"end":648.81,"confidence":0.9874871,"punctuated_word":"record.","sentiment":"neutral","sentiment_score":0.3146514594554901},{"word":"this","start":649.59,"end":649.91003,"confidence":0.7185949,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.3005542755126953},{"word":"portfolio","start":649.91003,"end":650.39,"confidence":0.99841213,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.23452651500701904},{"word":"that","start":650.39,"end":650.55,"confidence":0.9969278,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.39148566126823425},{"word":"we're","start":650.55,"end":650.71,"confidence":0.9991822,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.38916951417922974},{"word":"moving","start":650.71,"end":651.03,"confidence":0.9997814,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.369415819644928},{"word":"into","start":651.03,"end":651.35004,"confidence":0.91193765,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.3426242470741272},{"word":"is","start":651.35004,"end":651.51,"confidence":0.9968635,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3257431387901306},{"word":"saving","start":651.51,"end":651.91003,"confidence":0.9996393,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":0.23507684469223025},{"word":"you","start":651.91003,"end":652.07,"confidence":0.95080054,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2705669403076172},{"word":"investment","start":652.07,"end":652.57,"confidence":0.989002,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.0811924934387207},{"word":"fees","start":652.71,"end":653.21,"confidence":0.99287295,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.20867133140563965},{"word":"when","start":653.51,"end":653.67004,"confidence":0.9861761,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.27668046951293945},{"word":"we","start":653.67004,"end":653.83,"confidence":0.99987113,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.282356321811676},{"word":"did","start":653.83,"end":653.99,"confidence":0.9821853,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.2863531708717346},{"word":"the","start":653.99,"end":654.15,"confidence":0.9988135,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3163529336452484},{"word":"research","start":654.15,"end":654.65,"confidence":0.9888418,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.22707489132881165},{"word":"to","start":654.71,"end":654.87,"confidence":0.9928854,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2619691491127014},{"word":"change","start":654.87,"end":655.19,"confidence":0.99886036,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.26373952627182007},{"word":"the","start":655.19,"end":655.43,"confidence":0.9995403,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21602323651313785},{"word":"portfolio","start":655.43,"end":655.93,"confidence":0.9974065,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.19026631116867063},{"word":"you'll","start":656.55,"end":656.79004,"confidence":0.99454784,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.2751687467098236},{"word":"see","start":656.79004,"end":657.03,"confidence":0.9968424,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2645823061466217},{"word":"in","start":657.03,"end":657.19,"confidence":0.98697567,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24823006987571716},{"word":"the","start":657.19,"end":657.69,"confidence":0.99796355,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2774037718772888},{"word":"investment","start":658.185,"end":658.585,"confidence":0.99916863,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1296832114458084},{"word":"table","start":658.585,"end":659.085,"confidence":0.96104395,"punctuated_word":"table,","sentiment":"neutral","sentiment_score":0.26583218574523926},{"word":"we","start":659.385,"end":659.625,"confidence":0.99944466,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3607454299926758},{"word":"can","start":659.625,"end":659.705,"confidence":0.9755239,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.400089830160141},{"word":"actually","start":659.705,"end":660.025,"confidence":0.997124,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.3953738212585449},{"word":"save","start":660.025,"end":660.265,"confidence":0.9984542,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.256564736366272},{"word":"you","start":660.265,"end":660.505,"confidence":0.99782723,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4042237401008606},{"word":"$463","start":660.505,"end":662.205,"confidence":0.99919295,"punctuated_word":"$463","sentiment":"positive","sentiment_score":0.3609512150287628},{"word":"in","start":662.505,"end":662.745,"confidence":0.9974311,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3327639400959015},{"word":"investment","start":662.745,"end":663.145,"confidence":0.98693186,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1332533061504364},{"word":"fees","start":663.145,"end":663.385,"confidence":0.9796847,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.34591788053512573},{"word":"for","start":663.385,"end":663.545,"confidence":0.98947644,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2825466990470886},{"word":"the","start":663.545,"end":663.705,"confidence":0.9990068,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3029266893863678},{"word":"year","start":663.705,"end":664.105,"confidence":0.9694016,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.31174227595329285},{"word":"so","start":664.105,"end":664.505,"confidence":0.9996902,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.34686049818992615},{"word":"you'll","start":664.505,"end":664.825,"confidence":0.9236647,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.4255535304546356},{"word":"be","start":664.825,"end":664.985,"confidence":0.9995952,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4630095362663269},{"word":"paying","start":664.985,"end":665.465,"confidence":0.9998913,"punctuated_word":"paying","sentiment":"positive","sentiment_score":0.3936381042003632},{"word":"$463","start":665.465,"end":666.985,"confidence":0.998881,"punctuated_word":"$463","sentiment":"positive","sentiment_score":0.4398811459541321},{"word":"less","start":666.985,"end":667.22504,"confidence":0.9968574,"punctuated_word":"less","sentiment":"positive","sentiment_score":0.3754967451095581},{"word":"in","start":667.22504,"end":667.385,"confidence":0.74465203,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.44632524251937866},{"word":"investment","start":667.385,"end":667.865,"confidence":0.9753879,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.11414259672164916},{"word":"fees","start":667.865,"end":668.105,"confidence":0.9938886,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.34032773971557617},{"word":"out","start":668.105,"end":668.265,"confidence":0.97504675,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.43612557649612427},{"word":"of","start":668.265,"end":668.34503,"confidence":0.99724543,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.452349841594696},{"word":"your","start":668.34503,"end":668.585,"confidence":0.9934549,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.37456610798835754},{"word":"super","start":668.585,"end":668.825,"confidence":0.93306404,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4605588912963867},{"word":"fund","start":668.825,"end":669.065,"confidence":0.9572209,"punctuated_word":"fund,","sentiment":"positive","sentiment_score":0.3786716163158417},{"word":"which","start":669.065,"end":669.305,"confidence":0.9998864,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.38757285475730896},{"word":"means","start":669.305,"end":669.545,"confidence":0.99983335,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.3389182686805725},{"word":"more","start":669.545,"end":669.78503,"confidence":0.9982591,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4030436873435974},{"word":"money","start":669.78503,"end":670.105,"confidence":0.992385,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.3818383514881134},{"word":"stays","start":670.105,"end":670.425,"confidence":0.99404496,"punctuated_word":"stays","sentiment":"positive","sentiment_score":0.41738611459732056},{"word":"there","start":670.425,"end":670.665,"confidence":0.73837256,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4053419530391693},{"word":"invested","start":670.665,"end":671.145,"confidence":0.9889559,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.29868048429489136},{"word":"for","start":671.145,"end":671.385,"confidence":0.9997981,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3933936357498169},{"word":"you","start":671.385,"end":671.705,"confidence":0.99873936,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.24864567816257477},{"word":"okay","start":671.705,"end":672.205,"confidence":0.9818739,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.10949814319610596},{"word":"with","start":673.74,"end":674.13995,"confidence":0.9892959,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.04794219136238098},{"word":"your","start":674.13995,"end":674.54,"confidence":0.99750876,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.029358983039855957},{"word":"bus","start":674.54,"end":674.94,"confidence":0.42507797,"punctuated_word":"bus","sentiment":"neutral","sentiment_score":0.006681432016193867},{"word":"queue","start":674.94,"end":675.25995,"confidence":0.7238837,"punctuated_word":"queue","sentiment":"neutral","sentiment_score":0.005239648744463921},{"word":"sorry","start":675.57996,"end":675.89996,"confidence":0.9917123,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.0052413130179047585},{"word":"you're","start":675.89996,"end":676.06,"confidence":0.87423307,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.0004880980995949358},{"word":"right","start":676.06,"end":676.56,"confidence":0.8978451,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.01944234035909176},{"word":"yeah","start":687.835,"end":688.235,"confidence":0.91949326,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02397875674068928},{"word":"wow","start":688.235,"end":688.735,"confidence":0.9971607,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.029477708041667935},{"word":"that's","start":689.115,"end":689.515,"confidence":0.9983671,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.005013185553252697},{"word":"insane","start":689.515,"end":690.015,"confidence":0.89334226,"punctuated_word":"insane,","sentiment":"neutral","sentiment_score":-0.022109590470790863},{"word":"isn't","start":690.15497,"end":690.395,"confidence":0.99871397,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.01671024039387703},{"word":"it","start":690.395,"end":690.895,"confidence":0.9983251,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.022377869114279747},{"word":"that's","start":690.955,"end":691.27496,"confidence":0.998769,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.07040588557720184},{"word":"crazy","start":691.27496,"end":691.77496,"confidence":0.97617614,"punctuated_word":"crazy.","sentiment":"neutral","sentiment_score":-0.029435116797685623},{"word":"wow","start":692.71497,"end":693.21497,"confidence":0.99828506,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.018606066703796387},{"word":"yeah","start":697.53,"end":697.85004,"confidence":0.9979212,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07369344681501389},{"word":"wow","start":697.85004,"end":698.35004,"confidence":0.998634,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.1590307056903839},{"word":"that","start":699.85004,"end":700.09,"confidence":0.99754375,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.42917388677597046},{"word":"is","start":700.09,"end":700.41003,"confidence":0.9998466,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4664980173110962},{"word":"pretty","start":700.41003,"end":700.73,"confidence":0.9998871,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.516948938369751},{"word":"cool","start":700.73,"end":701.05,"confidence":0.9995484,"punctuated_word":"cool.","sentiment":"positive","sentiment_score":0.45256465673446655},{"word":"that","start":701.05,"end":701.37,"confidence":0.99829036,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.4530804455280304},{"word":"is","start":701.37,"end":701.61,"confidence":0.9998678,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4743278920650482},{"word":"pretty","start":701.61,"end":701.85004,"confidence":0.99988604,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4861915707588196},{"word":"cool","start":701.85004,"end":702.35004,"confidence":0.99982023,"punctuated_word":"cool.","sentiment":"neutral","sentiment_score":0.29681798815727234},{"word":"yeah","start":706.09,"end":706.57,"confidence":0.9693035,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4597949981689453},{"word":"absolutely","start":706.57,"end":707.07,"confidence":0.9980695,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.5902490615844727},{"word":"absolutely","start":707.77,"end":708.27,"confidence":0.99963784,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.481067419052124},{"word":"we'll","start":709.565,"end":709.885,"confidence":0.99035305,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.237935334444046},{"word":"also","start":709.885,"end":710.28503,"confidence":0.99271,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.21589499711990356},{"word":"just","start":710.28503,"end":710.525,"confidence":0.98695624,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20241279900074005},{"word":"not","start":710.525,"end":710.765,"confidence":0.99928194,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.03886394202709198},{"word":"make","start":710.765,"end":710.925,"confidence":0.9996569,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.01688927412033081},{"word":"any","start":710.925,"end":711.165,"confidence":0.9993801,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0012576133012771606},{"word":"changes","start":711.165,"end":711.565,"confidence":0.9997842,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.05377740412950516},{"word":"to","start":711.565,"end":711.725,"confidence":0.9068269,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0025337040424346924},{"word":"your","start":711.725,"end":711.885,"confidence":0.99175125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10707572102546692},{"word":"basque","start":711.885,"end":712.28503,"confidence":0.74252176,"punctuated_word":"Basque.","sentiment":"neutral","sentiment_score":0.013231633231043816},{"word":"you're","start":712.28503,"end":712.525,"confidence":0.9981476,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.2911333739757538},{"word":"in","start":712.525,"end":712.685,"confidence":0.9663294,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29990914463996887},{"word":"a","start":712.685,"end":712.765,"confidence":0.9978142,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3769623339176178},{"word":"high","start":712.765,"end":712.925,"confidence":0.99522203,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.4731029570102692},{"word":"growth","start":712.925,"end":713.245,"confidence":0.9674241,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.543293833732605},{"word":"portfolio","start":713.245,"end":713.745,"confidence":0.99950695,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.27452099323272705},{"word":"in","start":713.805,"end":713.965,"confidence":0.9949049,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3088374435901642},{"word":"basque","start":713.965,"end":714.465,"confidence":0.9537654,"punctuated_word":"Basque.","sentiment":"neutral","sentiment_score":0.2856588363647461},{"word":"there's","start":714.605,"end":714.84503,"confidence":0.95854604,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.31337031722068787},{"word":"no","start":714.84503,"end":715.005,"confidence":0.99927586,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.23285087943077087},{"word":"need","start":715.005,"end":715.165,"confidence":0.9978236,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.23022612929344177},{"word":"to","start":715.165,"end":715.325,"confidence":0.99898463,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23849394917488095},{"word":"change","start":715.325,"end":715.565,"confidence":0.9996811,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.031107500195503235},{"word":"the","start":715.565,"end":715.805,"confidence":0.9990484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22191651165485385},{"word":"investments","start":715.805,"end":716.28503,"confidence":0.9976285,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.009769700467586516},{"word":"within","start":716.28503,"end":716.605,"confidence":0.99940944,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.13308720290660858},{"word":"there","start":716.605,"end":717.105,"confidence":0.9933282,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2317497432231903},{"word":"by","start":717.405,"end":717.645,"confidence":0.5657072,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.15194320678710938},{"word":"leaving","start":717.645,"end":718.045,"confidence":0.99793637,"punctuated_word":"leaving","sentiment":"neutral","sentiment_score":0.17198027670383453},{"word":"10,000","start":718.045,"end":718.765,"confidence":0.99986523,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":0.28740793466567993},{"word":"in","start":718.765,"end":718.925,"confidence":0.9992374,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.26810604333877563},{"word":"there","start":718.925,"end":719.165,"confidence":0.8107114,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.20711809396743777},{"word":"and","start":719.165,"end":719.405,"confidence":0.9965624,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.3121846616268158},{"word":"looking","start":719.405,"end":719.645,"confidence":0.9980983,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.3879656791687012},{"word":"at","start":719.645,"end":719.805,"confidence":0.9997187,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.33320820331573486},{"word":"the","start":719.805,"end":719.965,"confidence":0.9996244,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.40061119198799133},{"word":"aligned","start":719.965,"end":720.465,"confidence":0.9945748,"punctuated_word":"aligned","sentiment":"positive","sentiment_score":0.4536635875701904},{"word":"asset","start":720.685,"end":720.925,"confidence":0.9522277,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.30061566829681396},{"word":"allocation","start":720.925,"end":721.425,"confidence":0.9994541,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.2564508318901062},{"word":"between","start":721.485,"end":721.885,"confidence":0.99983966,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.30225494503974915},{"word":"the","start":721.885,"end":722.045,"confidence":0.9996131,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3369160294532776},{"word":"two","start":722.045,"end":722.28503,"confidence":0.99986947,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.23294372856616977},{"word":"funds","start":722.28503,"end":722.78503,"confidence":0.99608415,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.3130536675453186},{"word":"it","start":722.9,"end":723.06,"confidence":0.9978948,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5379087924957275},{"word":"still","start":723.06,"end":723.3,"confidence":0.99619055,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4280510842800141},{"word":"works","start":723.3,"end":723.54,"confidence":0.99860436,"punctuated_word":"works","sentiment":"positive","sentiment_score":0.4390667974948883},{"word":"within","start":723.54,"end":723.86,"confidence":0.9990251,"punctuated_word":"within","sentiment":"positive","sentiment_score":0.5275067687034607},{"word":"the","start":723.86,"end":724.02,"confidence":0.9990324,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5371044874191284},{"word":"portfolio","start":724.02,"end":724.52,"confidence":0.9992675,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.26618751883506775},{"word":"you're","start":724.66003,"end":724.82,"confidence":0.8562124,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.518345832824707},{"word":"after","start":724.82,"end":725.14,"confidence":0.9854585,"punctuated_word":"after","sentiment":"positive","sentiment_score":0.3961505889892578},{"word":"and","start":725.14,"end":725.22003,"confidence":0.914894,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32563847303390503},{"word":"gives","start":725.22003,"end":725.46,"confidence":0.9958449,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.32182756066322327},{"word":"you","start":725.46,"end":725.62,"confidence":0.7212586,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4234808087348938},{"word":"the","start":725.62,"end":725.78,"confidence":0.9929571,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.41514483094215393},{"word":"asset","start":725.78,"end":726.02,"confidence":0.998447,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.30863869190216064},{"word":"allocation","start":726.02,"end":726.52,"confidence":0.99845946,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.23727869987487793},{"word":"in","start":726.66003,"end":726.74,"confidence":0.915968,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4005152881145478},{"word":"line","start":726.74,"end":726.9,"confidence":0.9920433,"punctuated_word":"line","sentiment":"positive","sentiment_score":0.3906252384185791},{"word":"with","start":726.9,"end":727.06,"confidence":0.99962044,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.29019883275032043},{"word":"your","start":727.06,"end":727.38,"confidence":0.9985104,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3109647035598755},{"word":"risk","start":727.38,"end":727.62,"confidence":0.9989446,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.2089807093143463},{"word":"tolerance","start":727.62,"end":728.12,"confidence":0.9980138,"punctuated_word":"tolerance.","sentiment":"neutral","sentiment_score":0.15974318981170654},{"word":"okay","start":728.42,"end":728.92,"confidence":0.9897573,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.20689214766025543},{"word":"the","start":730.34,"end":730.58,"confidence":0.8029483,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.3922460675239563},{"word":"other","start":730.58,"end":730.82,"confidence":0.99968433,"punctuated_word":"other","sentiment":"positive","sentiment_score":0.3389072120189667},{"word":"really","start":730.82,"end":730.98,"confidence":0.9994892,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5800015926361084},{"word":"good","start":730.98,"end":731.14,"confidence":0.99976295,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6084854006767273},{"word":"thing","start":731.14,"end":731.38,"confidence":0.9996426,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.5817024111747742},{"word":"to","start":731.38,"end":731.54,"confidence":0.99926335,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.469079464673996},{"word":"note","start":731.54,"end":731.78,"confidence":0.99043417,"punctuated_word":"note","sentiment":"positive","sentiment_score":0.464792400598526},{"word":"is","start":731.78,"end":732.02,"confidence":0.99748236,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5014551877975464},{"word":"that","start":732.02,"end":732.18,"confidence":0.6258185,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5664732456207275},{"word":"the","start":732.18,"end":732.26,"confidence":0.9915256,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5097873210906982},{"word":"difference","start":732.26,"end":732.58,"confidence":0.99815995,"punctuated_word":"difference","sentiment":"positive","sentiment_score":0.3585120439529419},{"word":"in","start":732.58,"end":732.74,"confidence":0.9946267,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.39887094497680664},{"word":"the","start":732.74,"end":732.9,"confidence":0.9975055,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.43136855959892273},{"word":"performance","start":732.9,"end":733.4,"confidence":0.86867267,"punctuated_word":"performance.","sentiment":"positive","sentiment_score":0.36004650592803955},{"word":"so","start":733.54,"end":734.04,"confidence":0.9982346,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.48814401030540466},{"word":"by","start":734.5,"end":734.74,"confidence":0.6218265,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.435014545917511},{"word":"making","start":734.74,"end":735.14,"confidence":0.9995652,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.5554566383361816},{"word":"those","start":735.14,"end":735.38,"confidence":0.99298394,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.5631318092346191},{"word":"changes","start":735.38,"end":735.88,"confidence":0.9998901,"punctuated_word":"changes","sentiment":"positive","sentiment_score":0.39824679493904114},{"word":"to","start":735.94,"end":736.18,"confidence":0.99958473,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4681850671768189},{"word":"your","start":736.18,"end":736.68,"confidence":0.9991334,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4489105641841888},{"word":"to","start":737.06,"end":737.22003,"confidence":0.98704535,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.43338754773139954},{"word":"your","start":737.22003,"end":737.46,"confidence":0.9996898,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4147824048995972},{"word":"investment","start":737.46,"end":737.96,"confidence":0.99746287,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.17599934339523315},{"word":"profiles","start":738.10004,"end":738.60004,"confidence":0.93932825,"punctuated_word":"profiles","sentiment":"neutral","sentiment_score":0.18765754997730255},{"word":"within","start":738.875,"end":739.115,"confidence":0.999944,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.28636813163757324},{"word":"your","start":739.115,"end":739.27496,"confidence":0.99969935,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4544386267662048},{"word":"super","start":739.27496,"end":739.51495,"confidence":0.86782,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3907957673072815},{"word":"fund","start":739.51495,"end":739.83496,"confidence":0.9463068,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.30027326941490173},{"word":"and","start":739.83496,"end":740.075,"confidence":0.9611433,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4404265880584717},{"word":"altering","start":740.075,"end":740.475,"confidence":0.77547586,"punctuated_word":"altering,","sentiment":"positive","sentiment_score":0.4737904965877533},{"word":"you","start":740.475,"end":740.555,"confidence":0.9985771,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.45223116874694824},{"word":"know","start":740.555,"end":741.035,"confidence":0.8055286,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.3351515531539917},{"word":"re","start":741.035,"end":741.115,"confidence":0.5643311,"punctuated_word":"re","sentiment":"positive","sentiment_score":0.5344401597976685},{"word":"switching","start":741.195,"end":741.595,"confidence":0.99789894,"punctuated_word":"switching","sentiment":"positive","sentiment_score":0.40230706334114075},{"word":"the","start":741.595,"end":742.095,"confidence":0.99450433,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4364279508590698},{"word":"underlying","start":742.15497,"end":742.65497,"confidence":0.9993168,"punctuated_word":"underlying","sentiment":"positive","sentiment_score":0.36510276794433594},{"word":"investments","start":742.71497,"end":743.115,"confidence":0.99384016,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.08131550252437592},{"word":"that","start":743.115,"end":743.195,"confidence":0.9966948,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2600347697734833},{"word":"haven't","start":743.195,"end":743.435,"confidence":0.9986741,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.24132633209228516},{"word":"been","start":743.435,"end":743.675,"confidence":0.99305856,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.3069480061531067},{"word":"performing","start":743.675,"end":744.15497,"confidence":0.9988427,"punctuated_word":"performing","sentiment":"positive","sentiment_score":0.3339618444442749},{"word":"very","start":744.15497,"end":744.39496,"confidence":0.9997453,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.4243643283843994},{"word":"well","start":744.39496,"end":744.71497,"confidence":0.99992883,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.47189435362815857},{"word":"and","start":744.71497,"end":745.21497,"confidence":0.98217404,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4558568000793457},{"word":"rebalancing","start":745.27496,"end":745.77496,"confidence":0.9976883,"punctuated_word":"rebalancing","sentiment":"positive","sentiment_score":0.5391613841056824},{"word":"your","start":745.83496,"end":746.075,"confidence":0.9567474,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4831429123878479},{"word":"portfolio","start":746.075,"end":746.575,"confidence":0.8319145,"punctuated_word":"portfolio.","sentiment":"positive","sentiment_score":0.3591023087501526},{"word":"the","start":746.95496,"end":747.115,"confidence":0.99933594,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.653308629989624},{"word":"newer","start":747.115,"end":747.435,"confidence":0.8995341,"punctuated_word":"newer","sentiment":"positive","sentiment_score":0.6602311730384827},{"word":"portfolio","start":747.435,"end":747.935,"confidence":0.99975044,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.6107876300811768},{"word":"has","start":748.075,"end":748.235,"confidence":0.9997346,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.6289144158363342},{"word":"actually","start":748.235,"end":748.635,"confidence":0.9931651,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.6582367420196533},{"word":"seen","start":748.635,"end":748.875,"confidence":0.99895513,"punctuated_word":"seen","sentiment":"positive","sentiment_score":0.6962595582008362},{"word":"a","start":748.875,"end":749.035,"confidence":0.9978867,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7121566534042358},{"word":"greater","start":749.035,"end":749.51495,"confidence":0.9937962,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.6196629405021667},{"word":"average","start":749.51495,"end":749.83496,"confidence":0.9997378,"punctuated_word":"average","sentiment":"positive","sentiment_score":0.6889462471008301},{"word":"return","start":749.83496,"end":750.315,"confidence":0.9995222,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.6693083047866821},{"word":"over","start":750.315,"end":750.555,"confidence":0.99973804,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.6528090238571167},{"word":"the","start":750.555,"end":750.71497,"confidence":0.99947554,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6566406488418579},{"word":"past","start":750.71497,"end":751.035,"confidence":0.9998041,"punctuated_word":"past","sentiment":"positive","sentiment_score":0.5825445055961609},{"word":"three","start":751.035,"end":751.27496,"confidence":0.99975044,"punctuated_word":"three","sentiment":"positive","sentiment_score":0.5929684638977051},{"word":"to","start":751.27496,"end":751.51495,"confidence":0.99968445,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4573231339454651},{"word":"five","start":751.51495,"end":751.755,"confidence":0.999811,"punctuated_word":"five","sentiment":"positive","sentiment_score":0.5780377388000488},{"word":"years","start":751.755,"end":752.15497,"confidence":0.9996464,"punctuated_word":"years","sentiment":"positive","sentiment_score":0.6275812983512878},{"word":"than","start":752.15497,"end":752.315,"confidence":0.99576724,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.6517190337181091},{"word":"your","start":752.315,"end":752.555,"confidence":0.9998017,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6298206448554993},{"word":"current","start":752.555,"end":752.875,"confidence":0.9997913,"punctuated_word":"current","sentiment":"positive","sentiment_score":0.3909238874912262},{"word":"portfolio","start":752.875,"end":753.375,"confidence":0.9997389,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.3207363486289978},{"word":"has","start":753.595,"end":753.915,"confidence":0.9666821,"punctuated_word":"has.","sentiment":"positive","sentiment_score":0.5111939907073975},{"word":"so","start":753.915,"end":754.32,"confidence":0.99947137,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5802106857299805},{"word":"if","start":754.4,"end":754.56,"confidence":0.99922097,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.6587855815887451},{"word":"the","start":754.56,"end":754.8,"confidence":0.99966395,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6689991354942322},{"word":"market","start":754.8,"end":755.2,"confidence":0.9978131,"punctuated_word":"market","sentiment":"positive","sentiment_score":0.6479179859161377},{"word":"performs","start":755.2,"end":755.60004,"confidence":0.9977192,"punctuated_word":"performs","sentiment":"positive","sentiment_score":0.584827184677124},{"word":"the","start":755.60004,"end":755.76,"confidence":0.9992287,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7001025676727295},{"word":"way","start":755.76,"end":756.0,"confidence":0.9999324,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.6946065425872803},{"word":"it","start":756.0,"end":756.08,"confidence":0.99931705,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6512527465820312},{"word":"has","start":756.08,"end":756.4,"confidence":0.9998518,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5409241914749146},{"word":"moving","start":756.4,"end":756.72003,"confidence":0.9966209,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.686552107334137},{"word":"forward","start":756.72003,"end":757.22003,"confidence":0.99797106,"punctuated_word":"forward,","sentiment":"positive","sentiment_score":0.6553713083267212},{"word":"then","start":757.60004,"end":757.84,"confidence":0.9992411,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.7299801707267761},{"word":"we","start":757.84,"end":758.0,"confidence":0.99988675,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.6883812546730042},{"word":"can","start":758.0,"end":758.24,"confidence":0.99994755,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.728930652141571},{"word":"definitely","start":758.24,"end":758.64,"confidence":0.99838674,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.7824352979660034},{"word":"see","start":758.64,"end":758.8,"confidence":0.99922955,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.6889256238937378},{"word":"you","start":758.8,"end":759.12,"confidence":0.9999417,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7248161435127258},{"word":"in","start":759.12,"end":759.28,"confidence":0.9998685,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.7746825814247131},{"word":"a","start":759.28,"end":759.44,"confidence":0.99884343,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7145735025405884},{"word":"greater","start":759.44,"end":759.76,"confidence":0.99943143,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.6491246223449707},{"word":"position","start":759.76,"end":760.16003,"confidence":0.99989736,"punctuated_word":"position","sentiment":"positive","sentiment_score":0.7226415872573853},{"word":"by","start":760.16003,"end":760.4,"confidence":0.99986386,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.6270073056221008},{"word":"making","start":760.4,"end":760.72003,"confidence":0.9999088,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.6987501382827759},{"word":"these","start":760.72003,"end":760.96,"confidence":0.998889,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.694464921951294},{"word":"changes","start":760.96,"end":761.44,"confidence":0.9997731,"punctuated_word":"changes","sentiment":"positive","sentiment_score":0.6429088115692139},{"word":"as","start":761.44,"end":761.68,"confidence":0.7384802,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.6232194304466248},{"word":"well","start":761.68,"end":761.84,"confidence":0.9997004,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5329948663711548},{"word":"as","start":761.84,"end":762.0,"confidence":0.9849519,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5354889035224915},{"word":"lowering","start":762.0,"end":762.4,"confidence":0.9977621,"punctuated_word":"lowering","sentiment":"positive","sentiment_score":0.5609787702560425},{"word":"the","start":762.4,"end":762.56,"confidence":0.99553394,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5622257590293884},{"word":"investment","start":762.56,"end":763.06,"confidence":0.998439,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.13967721164226532},{"word":"fees","start":763.12,"end":763.36,"confidence":0.9111465,"punctuated_word":"fees,","sentiment":"positive","sentiment_score":0.4876435101032257},{"word":"which","start":763.36,"end":763.52,"confidence":0.9999281,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.48438760638237},{"word":"is","start":763.52,"end":763.68,"confidence":0.9998499,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4733193814754486},{"word":"important","start":763.68,"end":764.18,"confidence":0.99978334,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.2736950218677521},{"word":"as","start":764.24,"end":764.4,"confidence":0.99988437,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5592340230941772},{"word":"well","start":764.4,"end":764.88,"confidence":0.9997945,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.41930243372917175},{"word":"okay","start":764.88,"end":765.38,"confidence":0.9898808,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.25107598304748535},{"word":"beautiful","start":767.61505,"end":768.11505,"confidence":0.9985739,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6485691666603088},{"word":"i've","start":768.895,"end":769.135,"confidence":0.84689915,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.46300145983695984},{"word":"also","start":769.135,"end":769.455,"confidence":0.9991265,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.3845250904560089},{"word":"made","start":769.455,"end":769.61505,"confidence":0.9998288,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.4488059878349304},{"word":"a","start":769.61505,"end":769.775,"confidence":0.9996069,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4043023884296417},{"word":"recommendation","start":769.775,"end":770.275,"confidence":0.9997855,"punctuated_word":"recommendation","sentiment":"positive","sentiment_score":0.4540359675884247},{"word":"that","start":770.41504,"end":770.655,"confidence":0.9982096,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.33592596650123596},{"word":"with","start":770.655,"end":770.815,"confidence":0.9857589,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.31096410751342773},{"word":"your","start":770.815,"end":771.135,"confidence":0.9998497,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3581114113330841},{"word":"beneficiary","start":771.135,"end":771.635,"confidence":0.9977003,"punctuated_word":"beneficiary","sentiment":"positive","sentiment_score":0.3473641872406006},{"word":"nominations","start":771.85504,"end":772.35504,"confidence":0.8259843,"punctuated_word":"nominations,","sentiment":"neutral","sentiment_score":0.27436575293540955},{"word":"with","start":772.73505,"end":772.895,"confidence":0.89063567,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3316235840320587},{"word":"your","start":772.895,"end":773.135,"confidence":0.9995364,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.37078630924224854},{"word":"hub","start":773.135,"end":773.375,"confidence":0.62076086,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.3154348134994507},{"word":"twenty","start":773.375,"end":773.695,"confidence":0.9955621,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.4147941768169403},{"word":"four","start":773.695,"end":773.935,"confidence":0.7867833,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.3192874491214752},{"word":"that","start":773.935,"end":774.09503,"confidence":0.99871564,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2965189516544342},{"word":"we","start":774.09503,"end":774.255,"confidence":0.9973062,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3177170157432556},{"word":"do","start":774.255,"end":774.755,"confidence":0.99938357,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2706080377101898},{"word":"add","start":774.815,"end":775.055,"confidence":0.8696926,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.29508838057518005},{"word":"a","start":775.055,"end":775.135,"confidence":0.9860097,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3028131425380707},{"word":"binding","start":775.135,"end":775.61505,"confidence":0.76926196,"punctuated_word":"binding,","sentiment":"neutral","sentiment_score":0.2569464445114136},{"word":"non","start":775.61505,"end":775.85504,"confidence":0.97928464,"punctuated_word":"non","sentiment":"neutral","sentiment_score":0.18930856883525848},{"word":"lapsing","start":775.85504,"end":776.35504,"confidence":0.94667363,"punctuated_word":"lapsing","sentiment":"neutral","sentiment_score":0.16366007924079895},{"word":"beneficiary","start":776.575,"end":777.075,"confidence":0.9346156,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.20882266759872437},{"word":"nomination","start":777.135,"end":777.635,"confidence":0.9981589,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.29850906133651733},{"word":"onto","start":777.775,"end":778.09503,"confidence":0.93346703,"punctuated_word":"onto","sentiment":"neutral","sentiment_score":0.2618364989757538},{"word":"your","start":778.09503,"end":778.335,"confidence":0.99069726,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.27634748816490173},{"word":"spouse","start":778.335,"end":778.8,"confidence":0.99849147,"punctuated_word":"spouse.","sentiment":"neutral","sentiment_score":0.3108402490615845},{"word":"this","start":779.2,"end":779.44,"confidence":0.98165774,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.31041592359542847},{"word":"essentially","start":779.44,"end":779.94,"confidence":0.6426015,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.250174343585968},{"word":"means","start":780.0,"end":780.24,"confidence":0.9985623,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.23970016837120056},{"word":"that","start":780.24,"end":780.39996,"confidence":0.9995216,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2974899411201477},{"word":"you've","start":780.39996,"end":780.56,"confidence":0.97777086,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.296710729598999},{"word":"found","start":780.56,"end":780.8,"confidence":0.90938485,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.252501517534256},{"word":"the","start":780.8,"end":780.95996,"confidence":0.9642619,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2803822159767151},{"word":"trustee","start":780.95996,"end":781.44,"confidence":0.57967526,"punctuated_word":"trustee","sentiment":"positive","sentiment_score":0.3451445996761322},{"word":"to","start":781.44,"end":781.51996,"confidence":0.9959188,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2648628056049347},{"word":"follow","start":781.51996,"end":781.83997,"confidence":0.99867946,"punctuated_word":"follow","sentiment":"neutral","sentiment_score":0.29209381341934204},{"word":"your","start":781.83997,"end":782.08,"confidence":0.9989557,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3597426414489746},{"word":"direction","start":782.08,"end":782.48,"confidence":0.87455845,"punctuated_word":"direction,","sentiment":"positive","sentiment_score":0.3636376857757568},{"word":"and","start":782.48,"end":782.72,"confidence":0.99972826,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30705663561820984},{"word":"non","start":782.72,"end":782.88,"confidence":0.9841764,"punctuated_word":"non","sentiment":"neutral","sentiment_score":0.2362552136182785},{"word":"lapsing","start":782.88,"end":783.27997,"confidence":0.9892529,"punctuated_word":"lapsing","sentiment":"neutral","sentiment_score":0.22678594291210177},{"word":"means","start":783.27997,"end":783.51996,"confidence":0.9975074,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.22750625014305115},{"word":"you","start":783.51996,"end":783.68,"confidence":0.99496174,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2964770793914795},{"word":"only","start":783.68,"end":783.92,"confidence":0.9590841,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.24677136540412903},{"word":"have","start":783.92,"end":784.08,"confidence":0.9986706,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22754207253456116},{"word":"to","start":784.08,"end":784.24,"confidence":0.9937929,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2365027517080307},{"word":"fill","start":784.24,"end":784.48,"confidence":0.995891,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":0.2369834929704666},{"word":"the","start":784.48,"end":784.56,"confidence":0.99768925,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2826213836669922},{"word":"form","start":784.56,"end":784.88,"confidence":0.95206225,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.20820623636245728},{"word":"out","start":784.88,"end":785.04,"confidence":0.8896158,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2513290047645569},{"word":"once","start":785.04,"end":785.44,"confidence":0.86434305,"punctuated_word":"once,","sentiment":"neutral","sentiment_score":0.30329617857933044},{"word":"which","start":785.44,"end":785.68,"confidence":0.9997273,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.36450430750846863},{"word":"is","start":785.68,"end":785.83997,"confidence":0.94571114,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3331522047519684},{"word":"positive","start":785.83997,"end":786.33997,"confidence":0.77512616,"punctuated_word":"positive.","sentiment":"neutral","sentiment_score":0.3331308960914612},{"word":"at","start":787.04,"end":787.2,"confidence":0.98480296,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.024371497333049778},{"word":"the","start":787.2,"end":787.27997,"confidence":0.99973565,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0006148964166641235},{"word":"moment","start":787.27997,"end":787.6,"confidence":0.99631655,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.0015501640737056732},{"word":"we","start":787.6,"end":787.76,"confidence":0.99992025,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.019250065088272095},{"word":"don't","start":787.76,"end":788.0,"confidence":0.99994975,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.053499191999435425},{"word":"have","start":788.0,"end":788.16,"confidence":0.9999081,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06943517923355103},{"word":"any","start":788.16,"end":788.48,"confidence":0.9998965,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.09581048041582108},{"word":"beneficiary","start":788.48,"end":788.98,"confidence":0.996253,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":-0.10887597501277924},{"word":"nominations","start":789.12,"end":789.62,"confidence":0.999482,"punctuated_word":"nominations","sentiment":"neutral","sentiment_score":-0.101458340883255},{"word":"applied","start":789.68,"end":790.16,"confidence":0.9308555,"punctuated_word":"applied.","sentiment":"neutral","sentiment_score":-0.12338222563266754},{"word":"so","start":790.16,"end":790.39996,"confidence":0.9991897,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.023037776350975037},{"word":"if","start":790.39996,"end":790.56,"confidence":0.9898031,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.016597174108028412},{"word":"in","start":790.56,"end":790.64,"confidence":0.8373584,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04539775103330612},{"word":"the","start":790.64,"end":790.8,"confidence":0.98758686,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.021648019552230835},{"word":"event","start":790.8,"end":791.04,"confidence":0.9986797,"punctuated_word":"event","sentiment":"neutral","sentiment_score":-0.04421059787273407},{"word":"you","start":791.04,"end":791.2,"confidence":0.91979694,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03058868646621704},{"word":"would","start":791.2,"end":791.44,"confidence":0.94762665,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.06157576292753219},{"word":"have","start":791.44,"end":791.51996,"confidence":0.7651171,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08956015855073929},{"word":"passed","start":791.51996,"end":791.83997,"confidence":0.9911748,"punctuated_word":"passed","sentiment":"neutral","sentiment_score":-0.16537155210971832},{"word":"away","start":791.83997,"end":792.33997,"confidence":0.99804246,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":-0.07276366651058197},{"word":"your","start":792.895,"end":793.21497,"confidence":0.9892545,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1427469551563263},{"word":"super","start":793.21497,"end":793.535,"confidence":0.8779108,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.026459187269210815},{"word":"fund","start":793.535,"end":793.775,"confidence":0.74577296,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.001198500394821167},{"word":"has","start":793.775,"end":793.935,"confidence":0.99852306,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.08931945264339447},{"word":"to","start":793.935,"end":794.015,"confidence":0.9983747,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04386027157306671},{"word":"go","start":794.015,"end":794.175,"confidence":0.99958795,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.05796009302139282},{"word":"through","start":794.175,"end":794.335,"confidence":0.9802648,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.010262757539749146},{"word":"a","start":794.335,"end":794.415,"confidence":0.9951696,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.013553842902183533},{"word":"bit","start":794.415,"end":794.575,"confidence":0.9981173,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.012664839625358582},{"word":"of","start":794.575,"end":794.735,"confidence":0.999212,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01800854504108429},{"word":"a","start":794.735,"end":794.815,"confidence":0.9966264,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07146815210580826},{"word":"probate","start":794.815,"end":795.315,"confidence":0.980167,"punctuated_word":"probate","sentiment":"neutral","sentiment_score":-0.053097646683454514},{"word":"process","start":795.375,"end":795.875,"confidence":0.92000717,"punctuated_word":"process.","sentiment":"neutral","sentiment_score":-0.016941174864768982},{"word":"so","start":795.935,"end":796.175,"confidence":0.99589586,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.198432594537735},{"word":"having","start":796.175,"end":796.675,"confidence":0.9990841,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.29918134212493896},{"word":"the","start":797.375,"end":797.615,"confidence":0.92644495,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2579132318496704},{"word":"beneficiary","start":797.615,"end":798.115,"confidence":0.996992,"punctuated_word":"beneficiary","sentiment":"positive","sentiment_score":0.3531597852706909},{"word":"nominations","start":798.255,"end":798.755,"confidence":0.99906915,"punctuated_word":"nominations","sentiment":"neutral","sentiment_score":0.3177116811275482},{"word":"in","start":798.975,"end":799.135,"confidence":0.99975425,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.35200849175453186},{"word":"place","start":799.135,"end":799.615,"confidence":0.99955183,"punctuated_word":"place","sentiment":"positive","sentiment_score":0.3998572826385498},{"word":"are","start":799.615,"end":799.775,"confidence":0.98459965,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.390596866607666},{"word":"really","start":799.775,"end":800.175,"confidence":0.99439573,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4886706471443176},{"word":"there","start":800.175,"end":800.415,"confidence":0.90534675,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.43195852637290955},{"word":"for","start":800.415,"end":800.495,"confidence":0.71422327,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4088602662086487},{"word":"to","start":800.575,"end":800.735,"confidence":0.99293995,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3316916227340698},{"word":"protect","start":800.735,"end":801.055,"confidence":0.99405694,"punctuated_word":"protect","sentiment":"neutral","sentiment_score":0.30245792865753174},{"word":"you","start":801.055,"end":801.21497,"confidence":0.9985089,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4953778982162475},{"word":"and","start":801.21497,"end":801.375,"confidence":0.9985238,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4655728042125702},{"word":"your","start":801.375,"end":801.615,"confidence":0.9997547,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4106800854206085},{"word":"family","start":801.615,"end":802.115,"confidence":0.95173514,"punctuated_word":"family.","sentiment":"positive","sentiment_score":0.36214110255241394},{"word":"so","start":802.175,"end":802.335,"confidence":0.9989039,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.26168107986450195},{"word":"if","start":802.335,"end":802.495,"confidence":0.99897575,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.39847511053085327},{"word":"anything","start":802.495,"end":802.895,"confidence":0.99987984,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.4099865853786469},{"word":"did","start":802.895,"end":803.135,"confidence":0.99873036,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.312478244304657},{"word":"happen","start":803.135,"end":803.455,"confidence":0.99218327,"punctuated_word":"happen","sentiment":"positive","sentiment_score":0.3489550054073334},{"word":"to","start":803.455,"end":803.615,"confidence":0.9989712,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32962745428085327},{"word":"you","start":803.615,"end":803.855,"confidence":0.99860185,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.25787651538848877},{"word":"your","start":803.855,"end":804.095,"confidence":0.9984124,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2551683187484741},{"word":"partner","start":804.095,"end":804.495,"confidence":0.99395144,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.3102726638317108},{"word":"can","start":804.495,"end":804.735,"confidence":0.99842393,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.30254122614860535},{"word":"then","start":804.735,"end":804.975,"confidence":0.9997578,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.34274786710739136},{"word":"come","start":804.975,"end":805.135,"confidence":0.9997147,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.3852538168430328},{"word":"back","start":805.135,"end":805.375,"confidence":0.99982613,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.28210675716400146},{"word":"and","start":805.375,"end":805.535,"confidence":0.999141,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3258911073207855},{"word":"claim","start":805.535,"end":805.935,"confidence":0.99940896,"punctuated_word":"claim","sentiment":"positive","sentiment_score":0.3502020835876465},{"word":"the","start":805.935,"end":806.095,"confidence":0.99947745,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29978126287460327},{"word":"funds","start":806.095,"end":806.595,"confidence":0.8692534,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.3324269652366638},{"word":"and","start":806.8,"end":807.04004,"confidence":0.9650501,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3928341269493103},{"word":"it's","start":807.04004,"end":807.12,"confidence":0.99914956,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4320370554924011},{"word":"a","start":807.12,"end":807.28,"confidence":0.9993431,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4236379861831665},{"word":"much","start":807.28,"end":807.68,"confidence":0.9999224,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4443853795528412},{"word":"easier","start":807.68,"end":808.0,"confidence":0.999516,"punctuated_word":"easier","sentiment":"positive","sentiment_score":0.3971788883209229},{"word":"process","start":808.0,"end":808.5,"confidence":0.9833691,"punctuated_word":"process.","sentiment":"positive","sentiment_score":0.35619252920150757},{"word":"everything","start":808.56,"end":808.88,"confidence":0.9995448,"punctuated_word":"Everything","sentiment":"positive","sentiment_score":0.34184354543685913},{"word":"gets","start":808.88,"end":809.04004,"confidence":0.9983339,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.3279619812965393},{"word":"handed","start":809.04004,"end":809.36,"confidence":0.99760133,"punctuated_word":"handed","sentiment":"positive","sentiment_score":0.4890672266483307},{"word":"to","start":809.36,"end":809.44,"confidence":0.9968964,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.41895735263824463},{"word":"her","start":809.44,"end":809.68,"confidence":0.9991547,"punctuated_word":"her","sentiment":"positive","sentiment_score":0.3592306077480316},{"word":"to","start":809.68,"end":809.84,"confidence":0.9952194,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3156867027282715},{"word":"continue","start":809.84,"end":810.24,"confidence":0.9987589,"punctuated_word":"continue","sentiment":"positive","sentiment_score":0.37004154920578},{"word":"looking","start":810.24,"end":810.64,"confidence":0.9961688,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.3042631149291992},{"word":"after","start":810.64,"end":810.88,"confidence":0.99394673,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.3130737841129303},{"word":"your","start":810.88,"end":811.04004,"confidence":0.9982181,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3588293492794037},{"word":"family","start":811.04004,"end":811.54004,"confidence":0.99970675,"punctuated_word":"family.","sentiment":"neutral","sentiment_score":0.3049284517765045},{"word":"with","start":812.56,"end":812.88,"confidence":0.84622675,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.08647970855236053},{"word":"bus","start":812.88,"end":813.12,"confidence":0.29320472,"punctuated_word":"bus","sentiment":"neutral","sentiment_score":-0.08875024318695068},{"word":"queue","start":813.12,"end":813.44,"confidence":0.90561104,"punctuated_word":"queue,","sentiment":"neutral","sentiment_score":-0.0855022445321083},{"word":"they","start":813.44,"end":813.52,"confidence":0.9996792,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.24149847030639648},{"word":"don't","start":813.52,"end":813.76,"confidence":0.998067,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.18304121494293213},{"word":"allow","start":813.76,"end":814.08,"confidence":0.99945384,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":-0.14182648062705994},{"word":"a","start":814.08,"end":814.16003,"confidence":0.9882139,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14354729652404785},{"word":"binding","start":814.16003,"end":814.56,"confidence":0.8844271,"punctuated_word":"binding,","sentiment":"neutral","sentiment_score":-0.11291103810071944},{"word":"non","start":814.56,"end":814.8,"confidence":0.9688544,"punctuated_word":"non","sentiment":"neutral","sentiment_score":-0.11374008655548096},{"word":"lapsing","start":814.8,"end":815.2,"confidence":0.8983836,"punctuated_word":"lapsing","sentiment":"neutral","sentiment_score":-0.08972156047821045},{"word":"option","start":815.2,"end":815.52,"confidence":0.995069,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":-0.12253380566835403},{"word":"they","start":815.52,"end":815.68,"confidence":0.9993591,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.08546017110347748},{"word":"have","start":815.68,"end":815.84,"confidence":0.9998673,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06101389229297638},{"word":"a","start":815.84,"end":815.92004,"confidence":0.99883133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09685756266117096},{"word":"binding","start":815.92004,"end":816.24,"confidence":0.99931777,"punctuated_word":"binding","sentiment":"neutral","sentiment_score":-0.048037171363830566},{"word":"lapsing","start":816.24,"end":816.64,"confidence":0.8417221,"punctuated_word":"lapsing,","sentiment":"neutral","sentiment_score":-0.0387805700302124},{"word":"which","start":816.64,"end":816.8,"confidence":0.9997341,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.007916748523712158},{"word":"means","start":816.8,"end":817.04004,"confidence":0.9990785,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.015749037265777588},{"word":"it","start":817.04004,"end":817.2,"confidence":0.9129463,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.015815742313861847},{"word":"has","start":817.2,"end":817.44,"confidence":0.999602,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.03227803111076355},{"word":"to","start":817.44,"end":817.52,"confidence":0.9993709,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00012876838445663452},{"word":"be","start":817.52,"end":817.68,"confidence":0.99818474,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0025689899921417236},{"word":"updated","start":817.68,"end":818.16003,"confidence":0.99970204,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.0024276375770568848},{"word":"every","start":818.16003,"end":818.48004,"confidence":0.99976593,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.024954818189144135},{"word":"three","start":818.48004,"end":818.72003,"confidence":0.9998758,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.04056278616189957},{"word":"years","start":818.72003,"end":819.22003,"confidence":0.9997978,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.06941349059343338},{"word":"we","start":819.46497,"end":819.545,"confidence":0.99990726,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.325475811958313},{"word":"will","start":819.545,"end":819.70496,"confidence":0.9999299,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.3265398144721985},{"word":"help","start":819.70496,"end":819.94495,"confidence":0.93520457,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.4094594120979309},{"word":"and","start":819.94495,"end":820.185,"confidence":0.7925715,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31926923990249634},{"word":"organize","start":820.185,"end":820.505,"confidence":0.9974076,"punctuated_word":"organize","sentiment":"neutral","sentiment_score":0.2545115351676941},{"word":"to","start":820.505,"end":820.58496,"confidence":0.8784735,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3207916021347046},{"word":"make","start":820.58496,"end":820.745,"confidence":0.9996537,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.3155537247657776},{"word":"sure","start":820.745,"end":820.90497,"confidence":0.99937755,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.3109680712223053},{"word":"the","start":820.90497,"end":821.065,"confidence":0.9972236,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31829598546028137},{"word":"nomination","start":821.065,"end":821.565,"confidence":0.99970216,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.2586333453655243},{"word":"is","start":821.70496,"end":821.865,"confidence":0.9998331,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.27956393361091614},{"word":"set","start":821.865,"end":822.105,"confidence":0.9933448,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.3032938838005066},{"word":"up","start":822.105,"end":822.345,"confidence":0.9998704,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2920065224170685},{"word":"and","start":822.345,"end":822.845,"confidence":0.9991117,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3495384454727173},{"word":"completed","start":823.38495,"end":823.865,"confidence":0.85424083,"punctuated_word":"completed","sentiment":"neutral","sentiment_score":0.31190380454063416},{"word":"correctly","start":823.865,"end":824.365,"confidence":0.8470819,"punctuated_word":"correctly,","sentiment":"positive","sentiment_score":0.3405720591545105},{"word":"and","start":824.665,"end":824.82495,"confidence":0.9989298,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25910332798957825},{"word":"then","start":824.82495,"end":825.065,"confidence":0.999821,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2456067055463791},{"word":"we","start":825.065,"end":825.225,"confidence":0.99927515,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2461065798997879},{"word":"will","start":825.225,"end":825.38495,"confidence":0.99983346,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2595597803592682},{"word":"keep","start":825.38495,"end":825.625,"confidence":0.999838,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.23208869993686676},{"word":"a","start":825.625,"end":825.70496,"confidence":0.9980546,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32427358627319336},{"word":"record","start":825.70496,"end":826.105,"confidence":0.9998266,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.20614929497241977},{"word":"on","start":826.105,"end":826.26495,"confidence":0.9990582,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2511918842792511},{"word":"file","start":826.26495,"end":826.665,"confidence":0.99853563,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.2517161965370178},{"word":"of","start":826.665,"end":826.90497,"confidence":0.95053077,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.31907588243484497},{"word":"exactly","start":826.90497,"end":827.38495,"confidence":0.9967129,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.24731390178203583},{"word":"when","start":827.38495,"end":827.625,"confidence":0.99949276,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.19555044174194336},{"word":"that","start":827.625,"end":827.785,"confidence":0.999203,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25107017159461975},{"word":"nomination","start":827.785,"end":828.285,"confidence":0.99966955,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.13249464333057404},{"word":"lapses","start":828.505,"end":828.90497,"confidence":0.9920125,"punctuated_word":"lapses","sentiment":"neutral","sentiment_score":0.21335212886333463},{"word":"so","start":828.90497,"end":829.14496,"confidence":0.8809369,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.3299082815647125},{"word":"we","start":829.14496,"end":829.305,"confidence":0.9997836,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3337545394897461},{"word":"can","start":829.305,"end":829.545,"confidence":0.9999219,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.36993879079818726},{"word":"help","start":829.545,"end":829.785,"confidence":0.99985945,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.4278040528297424},{"word":"you","start":829.785,"end":829.94495,"confidence":0.99977785,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4380309283733368},{"word":"to","start":829.94495,"end":830.105,"confidence":0.99962974,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3817524313926697},{"word":"have","start":830.105,"end":830.26495,"confidence":0.99991584,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.41401341557502747},{"word":"it","start":830.26495,"end":830.425,"confidence":0.9919892,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3015387952327728},{"word":"refilled","start":830.425,"end":830.90497,"confidence":0.9821616,"punctuated_word":"refilled","sentiment":"positive","sentiment_score":0.3446359634399414},{"word":"out","start":830.90497,"end":831.14496,"confidence":0.8935456,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.33712729811668396},{"word":"every","start":831.14496,"end":831.38495,"confidence":0.99878246,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.2085060030221939},{"word":"couple","start":831.38495,"end":831.70496,"confidence":0.99967027,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.19738812744617465},{"word":"of","start":831.70496,"end":831.94495,"confidence":0.99925274,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2336961328983307},{"word":"years","start":831.94495,"end":832.44495,"confidence":0.9996029,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.1947435438632965},{"word":"okay","start":832.505,"end":833.005,"confidence":0.9933593,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.14175006747245789},{"word":"it's","start":834.71,"end":835.11,"confidence":0.97400236,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.24681024253368375},{"word":"also","start":835.11,"end":835.43,"confidence":0.4223077,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.20564252138137817},{"word":"really","start":835.43,"end":835.67,"confidence":0.8803772,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.3203084170818329},{"word":"important","start":835.67,"end":835.99,"confidence":0.9993561,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.23160052299499512},{"word":"we","start":835.99,"end":836.14996,"confidence":0.8720683,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3463847041130066},{"word":"do","start":836.14996,"end":836.31,"confidence":0.99729496,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.35509511828422546},{"word":"kind","start":836.31,"end":836.47,"confidence":0.9632562,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.3743680417537689},{"word":"of","start":836.47,"end":836.63,"confidence":0.99902666,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3380950689315796},{"word":"go","start":836.63,"end":836.79,"confidence":0.94807494,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3706480860710144},{"word":"through","start":836.79,"end":837.02997,"confidence":0.95105916,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.35573190450668335},{"word":"and","start":837.02997,"end":837.11,"confidence":0.94866467,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31435340642929077},{"word":"make","start":837.11,"end":837.35,"confidence":0.999524,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2516442537307739},{"word":"sure","start":837.35,"end":837.51,"confidence":0.999731,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2661629915237427},{"word":"that","start":837.51,"end":837.67,"confidence":0.99955446,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32188281416893005},{"word":"you","start":837.67,"end":837.83,"confidence":0.99980277,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3191913962364197},{"word":"do","start":837.83,"end":838.07,"confidence":0.99969137,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.28866681456565857},{"word":"also","start":838.07,"end":838.31,"confidence":0.9752068,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2730938196182251},{"word":"set","start":838.31,"end":838.55,"confidence":0.9940393,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.2558313310146332},{"word":"up","start":838.55,"end":838.63,"confidence":0.9996643,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2365613877773285},{"word":"a","start":838.63,"end":838.79,"confidence":0.99720496,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27247354388237},{"word":"will","start":838.79,"end":839.02997,"confidence":0.98969686,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.22172370553016665},{"word":"and","start":839.02997,"end":839.11,"confidence":0.9292867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17956337332725525},{"word":"power","start":839.11,"end":839.43,"confidence":0.9942918,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.1669720560312271},{"word":"of","start":839.43,"end":839.51,"confidence":0.99072295,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1693250834941864},{"word":"attorney","start":839.51,"end":840.01,"confidence":0.99969363,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":0.1676248013973236},{"word":"i","start":840.47,"end":840.63,"confidence":0.9565015,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.33351463079452515},{"word":"have","start":840.63,"end":840.87,"confidence":0.99821293,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3315892815589905},{"word":"made","start":840.87,"end":841.02997,"confidence":0.99976295,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.3197396695613861},{"word":"a","start":841.02997,"end":841.19,"confidence":0.99947864,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3418527841567993},{"word":"recommendation","start":841.19,"end":841.69,"confidence":0.9997365,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.2698000967502594},{"word":"in","start":841.83,"end":842.07,"confidence":0.9999237,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3631798326969147},{"word":"here","start":842.07,"end":842.23,"confidence":0.99984014,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.34223851561546326},{"word":"that","start":842.23,"end":842.47,"confidence":0.9966028,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3446187376976013},{"word":"if","start":842.47,"end":842.55,"confidence":0.9917036,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3157373368740082},{"word":"you","start":842.55,"end":842.71,"confidence":0.9998281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2689078450202942},{"word":"haven't","start":842.71,"end":842.95,"confidence":0.99994993,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.25690770149230957},{"word":"got","start":842.95,"end":843.11,"confidence":0.9982387,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.20749346911907196},{"word":"a","start":843.11,"end":843.27,"confidence":0.9778151,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15241247415542605},{"word":"solicitor","start":843.27,"end":843.75,"confidence":0.99774736,"punctuated_word":"solicitor","sentiment":"neutral","sentiment_score":0.14863064885139465},{"word":"that","start":843.75,"end":843.91,"confidence":0.5490715,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2836936116218567},{"word":"we","start":843.91,"end":843.99,"confidence":0.98260915,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2477844804525375},{"word":"can","start":843.99,"end":844.23,"confidence":0.9995003,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.264334112405777},{"word":"certainly","start":844.23,"end":844.63,"confidence":0.99156886,"punctuated_word":"certainly","sentiment":"neutral","sentiment_score":0.28787752985954285},{"word":"refer","start":844.63,"end":844.87,"confidence":0.9952651,"punctuated_word":"refer","sentiment":"neutral","sentiment_score":0.15097007155418396},{"word":"you","start":844.87,"end":845.11,"confidence":0.99683136,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2288509756326675},{"word":"through","start":845.11,"end":845.35,"confidence":0.9979169,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.24257954955101013},{"word":"to","start":845.35,"end":845.51,"confidence":0.99868625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24167966842651367},{"word":"one","start":845.51,"end":846.01,"confidence":0.7224741,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.1935032308101654},{"word":"and","start":846.445,"end":846.685,"confidence":0.9400353,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2673379182815552},{"word":"that","start":846.685,"end":846.845,"confidence":0.89031374,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.33229386806488037},{"word":"just","start":847.005,"end":847.165,"confidence":0.7780429,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.403662621974945},{"word":"setting","start":847.165,"end":847.40497,"confidence":0.9971232,"punctuated_word":"setting","sentiment":"positive","sentiment_score":0.33916544914245605},{"word":"up","start":847.40497,"end":847.485,"confidence":0.9979728,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3563549518585205},{"word":"a","start":847.485,"end":847.565,"confidence":0.9919818,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4347786903381348},{"word":"will","start":847.565,"end":847.805,"confidence":0.9925453,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.32235947251319885},{"word":"and","start":847.805,"end":847.96497,"confidence":0.93167615,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3486453890800476},{"word":"power","start":847.96497,"end":848.125,"confidence":0.9931463,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.2439236342906952},{"word":"of","start":848.125,"end":848.285,"confidence":0.98935914,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.31067267060279846},{"word":"attorney","start":848.285,"end":848.605,"confidence":0.9947213,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.18173792958259585},{"word":"is","start":848.605,"end":848.685,"confidence":0.94992304,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3739954531192779},{"word":"really","start":848.685,"end":848.925,"confidence":0.99942183,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4926689565181732},{"word":"important","start":848.925,"end":849.325,"confidence":0.9998876,"punctuated_word":"important","sentiment":"positive","sentiment_score":0.3884508013725281},{"word":"for","start":849.325,"end":849.485,"confidence":0.986814,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3999243378639221},{"word":"all","start":849.485,"end":849.64496,"confidence":0.9996019,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.41532906889915466},{"word":"the","start":849.64496,"end":849.805,"confidence":0.99849904,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4512779116630554},{"word":"other","start":849.805,"end":850.045,"confidence":0.99858224,"punctuated_word":"other","sentiment":"positive","sentiment_score":0.3572935163974762},{"word":"assets","start":850.045,"end":850.52496,"confidence":0.99631435,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.31358033418655396},{"word":"you","start":850.52496,"end":850.605,"confidence":0.5769788,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.38608404994010925},{"word":"have","start":850.605,"end":850.845,"confidence":0.91340256,"punctuated_word":"have,","sentiment":"positive","sentiment_score":0.3772814273834229},{"word":"your","start":850.845,"end":851.08496,"confidence":0.8722716,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3644622564315796},{"word":"cars","start":851.08496,"end":851.40497,"confidence":0.7265843,"punctuated_word":"cars,","sentiment":"neutral","sentiment_score":0.3312032222747803},{"word":"your","start":851.40497,"end":851.64496,"confidence":0.95947814,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3716708421707154},{"word":"savings","start":851.64496,"end":852.045,"confidence":0.95942426,"punctuated_word":"savings,","sentiment":"neutral","sentiment_score":0.27633148431777954},{"word":"and","start":852.045,"end":852.20496,"confidence":0.746371,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3215455710887909},{"word":"things","start":852.20496,"end":852.52496,"confidence":0.99916244,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2796338200569153},{"word":"like","start":852.52496,"end":852.76495,"confidence":0.99982494,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.21268156170845032},{"word":"that","start":852.76495,"end":853.08496,"confidence":0.9923937,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.33063066005706787},{"word":"so","start":853.08496,"end":853.58496,"confidence":0.9995946,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.34429171681404114},{"word":"your","start":853.64496,"end":853.885,"confidence":0.9129152,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.34254226088523865},{"word":"sleepers","start":853.885,"end":854.285,"confidence":0.52063155,"punctuated_word":"sleepers","sentiment":"neutral","sentiment_score":0.3091115355491638},{"word":"and","start":854.285,"end":854.445,"confidence":0.9074565,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3241584897041321},{"word":"in","start":854.445,"end":854.605,"confidence":0.5736034,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2827562987804413},{"word":"life","start":854.845,"end":855.08496,"confidence":0.9988519,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.2733023464679718},{"word":"insurance","start":855.08496,"end":855.485,"confidence":0.99655545,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.2742031514644623},{"word":"is","start":855.485,"end":855.64496,"confidence":0.99454546,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2713976502418518},{"word":"covered","start":855.64496,"end":855.96497,"confidence":0.99880147,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.2475654184818268},{"word":"by","start":855.96497,"end":856.20496,"confidence":0.999648,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.31170403957366943},{"word":"the","start":856.20496,"end":856.365,"confidence":0.9988017,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31375497579574585},{"word":"beneficiary","start":856.365,"end":856.865,"confidence":0.99838984,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.30700311064720154},{"word":"nominations","start":856.925,"end":857.425,"confidence":0.7114078,"punctuated_word":"nominations,","sentiment":"neutral","sentiment_score":0.2930808663368225},{"word":"but","start":858.20496,"end":858.365,"confidence":0.9714253,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2647523880004883},{"word":"everything","start":858.365,"end":858.76495,"confidence":0.99982387,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.25671523809432983},{"word":"else","start":858.76495,"end":859.08496,"confidence":0.9999248,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.2734758257865906},{"word":"needs","start":859.08496,"end":859.35,"confidence":0.9969598,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.23434478044509888},{"word":"to","start":859.35,"end":859.43,"confidence":0.9980259,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22573880851268768},{"word":"be","start":859.43,"end":859.58997,"confidence":0.9997271,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1878545731306076},{"word":"done","start":859.58997,"end":859.82996,"confidence":0.999718,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.18805108964443207},{"word":"through","start":859.82996,"end":860.06995,"confidence":0.98712105,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.21251508593559265},{"word":"the","start":860.06995,"end":860.31,"confidence":0.99604946,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.237224280834198},{"word":"estate","start":860.31,"end":860.63,"confidence":0.997273,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.17086300253868103},{"word":"planning","start":860.63,"end":861.02997,"confidence":0.9997845,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.27345505356788635},{"word":"and","start":861.02997,"end":861.11,"confidence":0.9900491,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25627726316452026},{"word":"having","start":861.11,"end":861.43,"confidence":0.99972135,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.2867145836353302},{"word":"a","start":861.43,"end":861.58997,"confidence":0.7229828,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2435270994901657},{"word":"will","start":861.58997,"end":861.91,"confidence":0.9155141,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.22713150084018707},{"word":"and","start":861.91,"end":862.06995,"confidence":0.9954189,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.25744959712028503},{"word":"a","start":862.06995,"end":862.14996,"confidence":0.87295645,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31792882084846497},{"word":"power","start":862.14996,"end":862.47,"confidence":0.93990177,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.23584258556365967},{"word":"of","start":862.47,"end":862.55,"confidence":0.91036934,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2551799714565277},{"word":"attorney","start":862.55,"end":862.87,"confidence":0.9991934,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.19294506311416623},{"word":"is","start":862.87,"end":863.02997,"confidence":0.92723274,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.29559364914894104},{"word":"really","start":863.02997,"end":863.26996,"confidence":0.9994867,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.3648189902305603},{"word":"important","start":863.26996,"end":863.58997,"confidence":0.99982786,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.2771501839160919},{"word":"as","start":863.58997,"end":863.75,"confidence":0.99976975,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.35748735070228577},{"word":"well","start":863.75,"end":863.99,"confidence":0.9999554,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.3675823509693146},{"word":"because","start":863.99,"end":864.47,"confidence":0.5330741,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.273502916097641},{"word":"if","start":864.47,"end":864.70996,"confidence":0.99490106,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3053940534591675},{"word":"you","start":864.70996,"end":864.87,"confidence":0.99938357,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2701670527458191},{"word":"weren't","start":864.87,"end":865.11,"confidence":0.99114203,"punctuated_word":"weren't","sentiment":"neutral","sentiment_score":0.24251918494701383},{"word":"able","start":865.11,"end":865.35,"confidence":0.9984345,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.16467469930648804},{"word":"to","start":865.35,"end":865.50995,"confidence":0.9992092,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19662287831306455},{"word":"make","start":865.50995,"end":865.75,"confidence":0.9998883,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.17409849166870117},{"word":"medical","start":865.75,"end":866.14996,"confidence":0.99931157,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":0.08844240009784698},{"word":"or","start":866.14996,"end":866.31,"confidence":0.9892554,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11857477575540544},{"word":"financial","start":866.31,"end":866.81,"confidence":0.9995511,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.11487177014350893},{"word":"decisions","start":866.87,"end":867.37,"confidence":0.97619003,"punctuated_word":"decisions","sentiment":"neutral","sentiment_score":0.16056782007217407},{"word":"for","start":867.67,"end":867.91,"confidence":0.989609,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1646848022937775},{"word":"yourself","start":867.91,"end":868.41,"confidence":0.9951131,"punctuated_word":"yourself,","sentiment":"neutral","sentiment_score":0.23739904165267944},{"word":"having","start":868.47,"end":868.79,"confidence":0.9998517,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.3796946108341217},{"word":"someone","start":868.79,"end":869.26996,"confidence":0.99990916,"punctuated_word":"someone","sentiment":"positive","sentiment_score":0.34288716316223145},{"word":"nominated","start":869.26996,"end":869.75,"confidence":0.9997141,"punctuated_word":"nominated","sentiment":"positive","sentiment_score":0.3964884281158447},{"word":"that","start":869.75,"end":869.99,"confidence":0.9998056,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.33440062403678894},{"word":"you","start":869.99,"end":870.14996,"confidence":0.999303,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29978692531585693},{"word":"trust","start":870.14996,"end":870.47,"confidence":0.99977,"punctuated_word":"trust","sentiment":"positive","sentiment_score":0.35667914152145386},{"word":"and","start":870.47,"end":870.63,"confidence":0.98092663,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.36019980907440186},{"word":"that","start":870.63,"end":870.87,"confidence":0.99639267,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3377516269683838},{"word":"knows","start":870.87,"end":871.19,"confidence":0.9830103,"punctuated_word":"knows","sentiment":"neutral","sentiment_score":0.3330712616443634},{"word":"what","start":871.19,"end":871.43,"confidence":0.9993923,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.36138975620269775},{"word":"your","start":871.43,"end":871.58997,"confidence":0.9969555,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29997608065605164},{"word":"wishes","start":871.58997,"end":872.06995,"confidence":0.99938357,"punctuated_word":"wishes","sentiment":"neutral","sentiment_score":0.24813497066497803},{"word":"are","start":872.06995,"end":872.56995,"confidence":0.9976451,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.28348907828330994},{"word":"to","start":872.925,"end":873.165,"confidence":0.9991848,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2891751229763031},{"word":"act","start":873.165,"end":873.40497,"confidence":0.99933136,"punctuated_word":"act","sentiment":"neutral","sentiment_score":0.2605871558189392},{"word":"on","start":873.40497,"end":873.565,"confidence":0.982203,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.24587665498256683},{"word":"your","start":873.565,"end":873.805,"confidence":0.99946576,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23731139302253723},{"word":"behalf","start":873.805,"end":874.205,"confidence":0.9995018,"punctuated_word":"behalf","sentiment":"neutral","sentiment_score":0.27972012758255005},{"word":"is","start":874.205,"end":874.365,"confidence":0.9857071,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.27798259258270264},{"word":"really","start":874.365,"end":874.685,"confidence":0.99985003,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.30580008029937744},{"word":"important","start":874.685,"end":875.165,"confidence":0.99986124,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.18177375197410583},{"word":"as","start":875.165,"end":875.325,"confidence":0.9998419,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.31200122833251953},{"word":"well","start":875.325,"end":875.825,"confidence":0.99925166,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2173462510108948},{"word":"okay","start":876.045,"end":876.545,"confidence":0.93204117,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.11532901227474213},{"word":"oh","start":879.565,"end":879.885,"confidence":0.9463845,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.26807671785354614},{"word":"good","start":879.885,"end":880.385,"confidence":0.9913323,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.3255501985549927},{"word":"look","start":880.765,"end":881.085,"confidence":0.85297585,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.31072384119033813},{"word":"that","start":881.085,"end":881.325,"confidence":0.9989581,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.33752140402793884},{"word":"is","start":881.325,"end":881.565,"confidence":0.99965775,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.319395512342453},{"word":"basically","start":881.565,"end":882.045,"confidence":0.9782508,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.30671143531799316},{"word":"all","start":882.045,"end":882.205,"confidence":0.9997336,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1922486126422882},{"word":"i","start":882.205,"end":882.365,"confidence":0.9928705,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1922517716884613},{"word":"kind","start":882.365,"end":882.605,"confidence":0.9804977,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2442581057548523},{"word":"of","start":882.605,"end":882.685,"confidence":0.9996704,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24117045104503632},{"word":"needed","start":882.685,"end":883.005,"confidence":0.9992429,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.2278398871421814},{"word":"to","start":883.005,"end":883.165,"confidence":0.99970776,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20719338953495023},{"word":"go","start":883.165,"end":883.40497,"confidence":0.999856,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1981340050697327},{"word":"through","start":883.40497,"end":883.645,"confidence":0.99059474,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.15289293229579926},{"word":"with","start":883.645,"end":883.885,"confidence":0.9994497,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1711239069700241},{"word":"you","start":883.885,"end":884.385,"confidence":0.99963415,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.16606783866882324},{"word":"it","start":884.445,"end":884.605,"confidence":0.97605634,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.014549046754837036},{"word":"is","start":884.605,"end":884.765,"confidence":0.99985564,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.009661167860031128},{"word":"a","start":884.765,"end":884.845,"confidence":0.9981804,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0173381045460701},{"word":"lot","start":884.845,"end":885.085,"confidence":0.7755985,"punctuated_word":"lot,","sentiment":"neutral","sentiment_score":0.018453046679496765},{"word":"and","start":885.085,"end":885.325,"confidence":0.96374524,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.039002060890197754},{"word":"i","start":885.325,"end":885.40497,"confidence":0.9927578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12792545557022095},{"word":"do","start":885.40497,"end":885.645,"confidence":0.6641748,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.08555575460195541},{"word":"apologize","start":885.645,"end":886.145,"confidence":0.9986949,"punctuated_word":"apologize.","sentiment":"neutral","sentiment_score":-0.1320700645446777},{"word":"i","start":886.77,"end":887.01,"confidence":0.99352455,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04120839387178421},{"word":"do","start":887.01,"end":887.17004,"confidence":0.9992649,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03920580446720123},{"word":"have","start":887.17004,"end":887.41003,"confidence":0.99963224,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04202037304639816},{"word":"sent","start":887.41003,"end":887.65,"confidence":0.98960644,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.024457722902297977},{"word":"the","start":887.65,"end":887.81006,"confidence":0.9024589,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04733114689588547},{"word":"email","start":887.81006,"end":888.13,"confidence":0.9988337,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.016515739262104034},{"word":"to","start":888.13,"end":888.29004,"confidence":0.99320894,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08040598779916763},{"word":"you","start":888.29004,"end":888.45,"confidence":0.7760195,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.08650994300842285},{"word":"so","start":888.45,"end":888.61005,"confidence":0.9976439,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1536879688501358},{"word":"have","start":888.61005,"end":888.77,"confidence":0.99217963,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1365605890750885},{"word":"a","start":888.77,"end":888.85004,"confidence":0.75593376,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15995395183563232},{"word":"read","start":888.85004,"end":889.09,"confidence":0.9249098,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.0814347043633461},{"word":"through","start":889.09,"end":889.17004,"confidence":0.91511655,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09820140153169632},{"word":"the","start":889.17004,"end":889.33,"confidence":0.9931466,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12033212184906006},{"word":"document","start":889.33,"end":889.81006,"confidence":0.795513,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.10766563564538956},{"word":"have","start":889.81006,"end":889.97003,"confidence":0.99921656,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12927323579788208},{"word":"a","start":889.97003,"end":890.05005,"confidence":0.9996427,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1381857842206955},{"word":"look","start":890.05005,"end":890.21,"confidence":0.99994266,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07009927928447723},{"word":"at","start":890.21,"end":890.29004,"confidence":0.99505687,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04692751169204712},{"word":"the","start":890.29004,"end":890.45,"confidence":0.999456,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0578576922416687},{"word":"changes","start":890.45,"end":890.77,"confidence":0.99958247,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.024441741406917572},{"word":"that","start":890.77,"end":890.93005,"confidence":0.99988353,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08265192061662674},{"word":"we","start":890.93005,"end":891.09,"confidence":0.99993277,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03714305907487869},{"word":"are","start":891.09,"end":891.33,"confidence":0.999451,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03190954774618149},{"word":"making","start":891.33,"end":891.65,"confidence":0.9999049,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.06513524055480957},{"word":"there","start":891.65,"end":892.15,"confidence":0.9974562,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.053379446268081665},{"word":"it's","start":892.45,"end":892.61005,"confidence":0.9889767,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.11623930186033248},{"word":"really","start":892.61005,"end":892.85004,"confidence":0.9993905,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.12664324045181274},{"word":"important","start":892.85004,"end":893.17004,"confidence":0.7477716,"punctuated_word":"important.","sentiment":"neutral","sentiment_score":0.0797533318400383},{"word":"benelung","start":893.17004,"end":893.65,"confidence":0.68596417,"punctuated_word":"Benelung","sentiment":"neutral","sentiment_score":-0.20079676806926727},{"word":"has","start":893.65,"end":893.89,"confidence":0.9971827,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.2967049181461334},{"word":"been","start":893.89,"end":894.13,"confidence":0.95705664,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.317038357257843},{"word":"underperforming","start":894.13,"end":894.63,"confidence":0.9123681,"punctuated_word":"underperforming,","sentiment":"neutral","sentiment_score":-0.27426210045814514},{"word":"so","start":894.77,"end":894.93005,"confidence":0.9990295,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.18433108925819397},{"word":"we","start":894.93005,"end":895.09,"confidence":0.9996762,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.14159129559993744},{"word":"do","start":895.09,"end":895.25,"confidence":0.9997514,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06721679866313934},{"word":"wanna","start":895.25,"end":895.49005,"confidence":0.99623126,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.012360677123069763},{"word":"get","start":895.49005,"end":895.65,"confidence":0.9989183,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.016317233443260193},{"word":"that","start":895.65,"end":895.89,"confidence":0.9847209,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12692123651504517},{"word":"out","start":895.89,"end":895.97003,"confidence":0.9686359,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.06096027791500091},{"word":"of","start":895.97003,"end":896.13,"confidence":0.97090113,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12901534140110016},{"word":"your","start":896.13,"end":896.45,"confidence":0.7473849,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.12545058131217957},{"word":"out","start":896.45,"end":896.69,"confidence":0.79948276,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.052271634340286255},{"word":"of","start":896.69,"end":896.85004,"confidence":0.997672,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13390858471393585},{"word":"your","start":896.85004,"end":897.09,"confidence":0.9980223,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1440672129392624},{"word":"super","start":897.09,"end":897.41003,"confidence":0.9468969,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.11583657562732697},{"word":"funds","start":897.41003,"end":897.73004,"confidence":0.48066893,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.054747387766838074},{"word":"really","start":897.73004,"end":897.97003,"confidence":0.9986401,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.04471805691719055},{"word":"quickly","start":897.97003,"end":898.47003,"confidence":0.9979838,"punctuated_word":"quickly.","sentiment":"neutral","sentiment_score":-0.014017850160598757},{"word":"so","start":899.055,"end":899.135,"confidence":0.9902165,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19095394015312195},{"word":"if","start":899.135,"end":899.295,"confidence":0.9991117,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.27045607566833496},{"word":"you","start":899.295,"end":899.375,"confidence":0.99981624,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20610469579696655},{"word":"can","start":899.375,"end":899.615,"confidence":0.9998565,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.23047611117362976},{"word":"have","start":899.615,"end":899.695,"confidence":0.9998721,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20942169427871704},{"word":"a","start":899.695,"end":899.775,"confidence":0.9994568,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2044269293546677},{"word":"look","start":899.775,"end":900.09503,"confidence":0.9997323,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1202017143368721},{"word":"through","start":900.09503,"end":900.255,"confidence":0.9592734,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1260489821434021},{"word":"that","start":900.255,"end":900.41504,"confidence":0.99983764,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18916909396648407},{"word":"one","start":900.41504,"end":900.735,"confidence":0.9998621,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1842397153377533},{"word":"and","start":900.735,"end":901.215,"confidence":0.97518116,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15968939661979675},{"word":"sign","start":901.215,"end":901.455,"confidence":0.99861634,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.13622109591960907},{"word":"it","start":901.455,"end":901.53503,"confidence":0.95942336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20464953780174255},{"word":"and","start":901.53503,"end":901.695,"confidence":0.9737717,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12258260697126389},{"word":"return","start":901.695,"end":901.935,"confidence":0.9983891,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.18098166584968567},{"word":"it","start":901.935,"end":902.09503,"confidence":0.98846984,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20495370030403137},{"word":"back","start":902.09503,"end":902.255,"confidence":0.9995352,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.13530796766281128},{"word":"to","start":902.255,"end":902.41504,"confidence":0.9929726,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16410967707633972},{"word":"me","start":902.41504,"end":902.575,"confidence":0.96675295,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.20959806442260745},{"word":"i","start":902.575,"end":902.655,"confidence":0.9987472,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.33824220299720764},{"word":"can","start":902.655,"end":902.815,"confidence":0.9996854,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.30170032382011414},{"word":"have","start":902.815,"end":902.97504,"confidence":0.9996561,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.29638776183128357},{"word":"the","start":902.97504,"end":903.135,"confidence":0.99903655,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32091736793518066},{"word":"changes","start":903.135,"end":903.53503,"confidence":0.9992931,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.29107505083084106},{"word":"made","start":903.53503,"end":904.03503,"confidence":0.9998448,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.3109317719936371},{"word":"in","start":904.495,"end":904.735,"confidence":0.94465303,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2565918266773224},{"word":"your","start":904.735,"end":905.235,"confidence":0.9997774,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2313404381275177},{"word":"portfolio","start":905.695,"end":906.195,"confidence":0.98783314,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.07489700615406036},{"word":"asap","start":906.815,"end":907.315,"confidence":0.9722222,"punctuated_word":"ASAP.","sentiment":"neutral","sentiment_score":0.14251944422721863},{"word":"the","start":908.175,"end":908.335,"confidence":0.9795562,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.02004581317305565},{"word":"only","start":908.335,"end":908.575,"confidence":0.99597734,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.02634643018245697},{"word":"other","start":908.575,"end":908.655,"confidence":0.8951088,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.08863124251365662},{"word":"thing","start":908.655,"end":908.895,"confidence":0.99955577,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.104632668197155},{"word":"i","start":908.895,"end":909.055,"confidence":0.99761957,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.032526299357414246},{"word":"probably","start":909.055,"end":909.375,"confidence":0.99023694,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.024775713682174683},{"word":"forgot","start":909.375,"end":909.695,"confidence":0.99968755,"punctuated_word":"forgot","sentiment":"neutral","sentiment_score":-0.00008641928434371948},{"word":"to","start":909.695,"end":909.85504,"confidence":0.999819,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02787039428949356},{"word":"make","start":909.85504,"end":910.09503,"confidence":0.9969837,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.022394441068172455},{"word":"mention","start":910.09503,"end":910.495,"confidence":0.9977876,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":0.028730720281600952},{"word":"of","start":910.495,"end":910.815,"confidence":0.9978986,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.010006636381149292},{"word":"was","start":910.815,"end":911.135,"confidence":0.9964142,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.030132047832012177},{"word":"the","start":911.135,"end":911.295,"confidence":0.9987735,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05172209441661835},{"word":"cgt","start":911.295,"end":911.795,"confidence":0.78279567,"punctuated_word":"CGT.","sentiment":"neutral","sentiment_score":-0.05237053334712982},{"word":"so","start":912.09503,"end":912.57,"confidence":0.99568427,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0995972976088524},{"word":"by","start":912.89,"end":913.05,"confidence":0.9987866,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.1428510695695877},{"word":"making","start":913.05,"end":913.45,"confidence":0.999767,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.17427057027816772},{"word":"these","start":913.45,"end":913.69,"confidence":0.99917114,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.14863406121730804},{"word":"changes","start":913.69,"end":914.09,"confidence":0.9967495,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.1517581045627594},{"word":"we","start":914.09,"end":914.25,"confidence":0.99991596,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22334790229797363},{"word":"did","start":914.25,"end":914.49,"confidence":0.99911255,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.1352899670600891},{"word":"check","start":914.49,"end":914.73,"confidence":0.9980976,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.08123740553855896},{"word":"the","start":914.73,"end":914.89,"confidence":0.9971413,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.010297045111656187},{"word":"capital","start":914.89,"end":915.29,"confidence":0.99923563,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.24923695623874664},{"word":"gains","start":915.29,"end":915.77,"confidence":0.9837353,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.12028571218252182},{"word":"consequences","start":915.77,"end":916.27,"confidence":0.9162731,"punctuated_word":"consequences,","sentiment":"neutral","sentiment_score":-0.01955900713801384},{"word":"and","start":916.49,"end":916.73,"confidence":0.99980325,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09319820255041122},{"word":"it","start":916.73,"end":916.81,"confidence":0.9997019,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.061393171548843384},{"word":"looks","start":916.81,"end":917.05,"confidence":0.9984792,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.06927207112312317},{"word":"like","start":917.05,"end":917.21,"confidence":0.99580526,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.03399968147277832},{"word":"there's","start":917.21,"end":917.45,"confidence":0.99660265,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.007875765673816204},{"word":"absolutely","start":917.45,"end":917.85004,"confidence":0.944647,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":-0.021993517875671387},{"word":"none","start":917.85004,"end":918.09,"confidence":0.977971,"punctuated_word":"none.","sentiment":"neutral","sentiment_score":-0.022740237414836884},{"word":"so","start":918.09,"end":918.33,"confidence":0.98612356,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1536344587802887},{"word":"because","start":918.33,"end":918.65,"confidence":0.98928225,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1840507537126541},{"word":"benelon","start":918.65,"end":919.15,"confidence":0.6116782,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":0.20344407856464383},{"word":"has","start":919.21,"end":919.45,"confidence":0.9939911,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.07316389679908752},{"word":"been","start":919.45,"end":919.69,"confidence":0.99896693,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.05909648537635803},{"word":"underperforming","start":919.69,"end":920.19,"confidence":0.9899995,"punctuated_word":"underperforming,","sentiment":"neutral","sentiment_score":0.006659825798124075},{"word":"it","start":921.21,"end":921.45,"confidence":0.96744186,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04751649498939514},{"word":"offsets","start":921.45,"end":921.93,"confidence":0.9979056,"punctuated_word":"offsets","sentiment":"neutral","sentiment_score":0.058157943189144135},{"word":"any","start":921.93,"end":922.25,"confidence":0.9997634,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.010393977165222168},{"word":"capital","start":922.25,"end":922.73,"confidence":0.9997342,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.23601152002811432},{"word":"gains","start":922.73,"end":923.05,"confidence":0.9944508,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.03678509593009949},{"word":"that","start":923.05,"end":923.21,"confidence":0.99935144,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12826752662658691},{"word":"would","start":923.21,"end":923.45,"confidence":0.99962413,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.13784314692020416},{"word":"be","start":923.45,"end":923.61,"confidence":0.99875903,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13043390214443207},{"word":"made","start":923.61,"end":924.11,"confidence":0.9996723,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.1814379990100861},{"word":"by","start":924.17,"end":924.65,"confidence":0.9994054,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.1703384816646576},{"word":"altering","start":924.65,"end":925.15,"confidence":0.9994796,"punctuated_word":"altering","sentiment":"neutral","sentiment_score":0.2253115475177765},{"word":"the","start":925.21,"end":925.29,"confidence":0.99222386,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1605702042579651},{"word":"rest","start":925.29,"end":925.605,"confidence":0.9987576,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.14094391465187073},{"word":"of","start":925.605,"end":925.845,"confidence":0.99973637,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1464533656835556},{"word":"your","start":925.845,"end":926.08496,"confidence":0.99926203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15082088112831116},{"word":"portfolio","start":926.08496,"end":926.58496,"confidence":0.8481099,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.08963776379823685},{"word":"so","start":926.64496,"end":926.805,"confidence":0.95964324,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.409954696893692},{"word":"there's","start":926.805,"end":927.045,"confidence":0.99570984,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.4383706450462342},{"word":"no","start":927.045,"end":927.285,"confidence":0.9984902,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.3831337094306946},{"word":"cgt","start":927.285,"end":927.785,"confidence":0.9655277,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.17200325429439545},{"word":"consequences","start":927.925,"end":928.425,"confidence":0.99612576,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":0.04842236638069153},{"word":"there","start":928.64496,"end":928.805,"confidence":0.9556767,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4356546700000763},{"word":"for","start":928.805,"end":928.96497,"confidence":0.9967122,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.410376489162445},{"word":"your","start":928.96497,"end":929.125,"confidence":0.99214983,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.38119199872016907},{"word":"fund","start":929.125,"end":929.445,"confidence":0.9415305,"punctuated_word":"fund,","sentiment":"positive","sentiment_score":0.35214537382125854},{"word":"which","start":929.445,"end":929.605,"confidence":0.99977845,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5049155950546265},{"word":"is","start":929.605,"end":929.76495,"confidence":0.998845,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5007584095001221},{"word":"a","start":929.76495,"end":929.845,"confidence":0.9988164,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5215024948120117},{"word":"positive","start":929.845,"end":930.345,"confidence":0.99953425,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.6402086615562439},{"word":"sign","start":930.40497,"end":930.64496,"confidence":0.97312254,"punctuated_word":"sign","sentiment":"positive","sentiment_score":0.37943035364151},{"word":"for","start":930.64496,"end":930.805,"confidence":0.9796577,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.407873809337616},{"word":"yourself","start":930.805,"end":931.305,"confidence":0.9815519,"punctuated_word":"yourself.","sentiment":"positive","sentiment_score":0.3861764073371887},{"word":"and","start":932.725,"end":933.225,"confidence":0.8529478,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07738522440195084},{"word":"sorry","start":933.685,"end":934.185,"confidence":0.9905621,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.06520651280879974},{"word":"one","start":934.40497,"end":934.64496,"confidence":0.99869895,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.07779230922460556},{"word":"more","start":934.64496,"end":934.885,"confidence":0.9932509,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.04478869587182999},{"word":"thing","start":934.885,"end":935.385,"confidence":0.97973204,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.08863940834999084},{"word":"and","start":935.845,"end":936.005,"confidence":0.91097,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.10594961047172546},{"word":"yeah","start":936.005,"end":936.245,"confidence":0.9982879,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.14363375306129456},{"word":"just","start":936.245,"end":936.485,"confidence":0.8996706,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1629083752632141},{"word":"retaining","start":936.485,"end":936.885,"confidence":0.95401317,"punctuated_word":"retaining","sentiment":"neutral","sentiment_score":0.1198018714785576},{"word":"bus","start":936.885,"end":937.20496,"confidence":0.15637226,"punctuated_word":"bus","sentiment":"neutral","sentiment_score":0.13049232959747314},{"word":"queue","start":937.20496,"end":937.445,"confidence":0.57968175,"punctuated_word":"queue","sentiment":"neutral","sentiment_score":0.18768741190433505},{"word":"to","start":937.445,"end":937.52496,"confidence":0.98755604,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1838725507259369},{"word":"make","start":937.52496,"end":937.605,"confidence":0.97123206,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.16138699650764465},{"word":"sure","start":937.605,"end":937.76495,"confidence":0.9548853,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.12613198161125183},{"word":"your","start":937.76495,"end":938.16,"confidence":0.8967867,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1345694661140442},{"word":"insurances","start":938.24,"end":938.63995,"confidence":0.71708024,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.08060315251350403},{"word":"remain","start":938.63995,"end":938.95996,"confidence":0.9806264,"punctuated_word":"remain","sentiment":"neutral","sentiment_score":0.0762828066945076},{"word":"in","start":938.95996,"end":939.04,"confidence":0.996467,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08464653044939041},{"word":"place","start":939.04,"end":939.36,"confidence":0.9993223,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.12807348370552063},{"word":"until","start":939.36,"end":939.75995,"confidence":0.9982096,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.12347342073917388},{"word":"you","start":939.75995,"end":939.92,"confidence":0.99986565,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13455146551132202},{"word":"need","start":939.92,"end":940.16,"confidence":0.9997528,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1194436326622963},{"word":"to","start":940.16,"end":940.31995,"confidence":0.9990915,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1033804938197136},{"word":"alter","start":940.31995,"end":940.72,"confidence":0.9792007,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":0.05779845267534256},{"word":"or","start":940.72,"end":940.8,"confidence":0.9753566,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05631829798221588},{"word":"change","start":940.8,"end":941.12,"confidence":0.9995665,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.07395442575216293},{"word":"those","start":941.12,"end":941.44,"confidence":0.9949116,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.05963663011789322},{"word":"moving","start":941.44,"end":941.75995,"confidence":0.99846715,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.1643933802843094},{"word":"forward","start":941.75995,"end":942.25995,"confidence":0.96744955,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.05147762969136238},{"word":"we","start":942.63995,"end":942.87994,"confidence":0.97567797,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.3405081331729889},{"word":"still","start":942.87994,"end":943.12,"confidence":0.8727173,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3506454825401306},{"word":"keep","start":943.12,"end":943.36,"confidence":0.99583864,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.34598883986473083},{"word":"any","start":943.36,"end":943.6,"confidence":0.4852834,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.4088684618473053},{"word":"reviews","start":943.6,"end":944.07996,"confidence":0.99322367,"punctuated_word":"reviews","sentiment":"neutral","sentiment_score":0.2885555028915405},{"word":"and","start":944.07996,"end":944.24,"confidence":0.9352622,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32490813732147217},{"word":"wanna","start":944.24,"end":944.48,"confidence":0.99512947,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.4686502814292908},{"word":"make","start":944.48,"end":944.63995,"confidence":0.9979177,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.36770838499069214},{"word":"sure","start":944.63995,"end":944.8,"confidence":0.99956626,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.3909217417240143},{"word":"we","start":944.8,"end":944.87994,"confidence":0.99928975,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4643059670925141},{"word":"do","start":944.87994,"end":945.12,"confidence":0.9973802,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3980228006839752},{"word":"catch","start":945.12,"end":945.36,"confidence":0.9866291,"punctuated_word":"catch","sentiment":"positive","sentiment_score":0.46571940183639526},{"word":"ups","start":945.36,"end":945.51996,"confidence":0.93929577,"punctuated_word":"ups","sentiment":"positive","sentiment_score":0.41468000411987305},{"word":"with","start":945.51996,"end":945.68,"confidence":0.9987212,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5045093894004822},{"word":"you","start":945.68,"end":945.83997,"confidence":0.99960345,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.565907895565033},{"word":"to","start":945.83997,"end":946.0,"confidence":0.9944102,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4625687003135681},{"word":"make","start":946.0,"end":946.16,"confidence":0.9996138,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.5071683526039124},{"word":"sure","start":946.16,"end":946.31995,"confidence":0.9991866,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.5448905229568481},{"word":"you","start":946.31995,"end":946.56,"confidence":0.99869376,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5936609506607056},{"word":"stay","start":946.56,"end":946.72,"confidence":0.9984883,"punctuated_word":"stay","sentiment":"positive","sentiment_score":0.5418851375579834},{"word":"on","start":946.72,"end":946.87994,"confidence":0.99930775,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5782173871994019},{"word":"track","start":946.87994,"end":947.19995,"confidence":0.9914863,"punctuated_word":"track","sentiment":"positive","sentiment_score":0.52825927734375},{"word":"in","start":947.19995,"end":947.36,"confidence":0.2741996,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6071034073829651},{"word":"meeting","start":947.36,"end":947.68,"confidence":0.9910033,"punctuated_word":"meeting","sentiment":"positive","sentiment_score":0.7517411708831787},{"word":"your","start":947.68,"end":947.83997,"confidence":0.99772495,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6870432496070862},{"word":"goals","start":947.83997,"end":948.33997,"confidence":0.7686206,"punctuated_word":"goals,","sentiment":"positive","sentiment_score":0.5488935708999634},{"word":"and","start":948.8,"end":948.87994,"confidence":0.99432135,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5147993564605713},{"word":"that","start":948.87994,"end":949.04,"confidence":0.99320436,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4031768441200256},{"word":"we're","start":949.04,"end":949.27997,"confidence":0.82173467,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.5028234124183655},{"word":"working","start":949.27997,"end":949.6,"confidence":0.9975496,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.5568695068359375},{"word":"forward","start":949.6,"end":949.92,"confidence":0.909043,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.5325563549995422},{"word":"and","start":949.92,"end":950.07996,"confidence":0.85475713,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5291746258735657},{"word":"altering","start":950.07996,"end":950.48,"confidence":0.9780668,"punctuated_word":"altering","sentiment":"positive","sentiment_score":0.5448358058929443},{"word":"this","start":950.48,"end":950.63995,"confidence":0.99134916,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.5159755945205688},{"word":"advice","start":950.63995,"end":951.12,"confidence":0.99208635,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.4439774453639984},{"word":"regularly","start":951.12,"end":951.6,"confidence":0.9992673,"punctuated_word":"regularly","sentiment":"positive","sentiment_score":0.5056436061859131},{"word":"with","start":951.6,"end":951.75995,"confidence":0.99960476,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5788509845733643},{"word":"you","start":951.75995,"end":952.0,"confidence":0.9995383,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5620449781417847},{"word":"as","start":952.0,"end":952.24,"confidence":0.9995245,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.45754411816596985},{"word":"well","start":952.24,"end":952.74,"confidence":0.99861604,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.4139333963394165},{"word":"there's","start":953.715,"end":954.115,"confidence":0.97249615,"punctuated_word":"There's","sentiment":"positive","sentiment_score":0.3748413324356079},{"word":"no","start":954.115,"end":954.615,"confidence":0.9998976,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.2663861811161041},{"word":"implementation","start":955.235,"end":955.735,"confidence":0.8912246,"punctuated_word":"implementation","sentiment":"neutral","sentiment_score":0.219999298453331},{"word":"or","start":955.795,"end":955.955,"confidence":0.9457617,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.24000054597854617},{"word":"upfront","start":955.955,"end":956.355,"confidence":0.88910145,"punctuated_word":"upfront","sentiment":"neutral","sentiment_score":0.20230509340763092},{"word":"fees","start":956.355,"end":956.59503,"confidence":0.80050766,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.27249765396118164},{"word":"for","start":956.59503,"end":956.755,"confidence":0.5594449,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.44368043541908264},{"word":"the","start":956.755,"end":956.835,"confidence":0.9986412,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4439326524734497},{"word":"advice","start":956.835,"end":957.235,"confidence":0.98402184,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.4059882164001465},{"word":"we","start":957.235,"end":957.395,"confidence":0.98738515,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4706336259841919},{"word":"do","start":957.395,"end":957.555,"confidence":0.9987097,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4635598659515381},{"word":"provide","start":957.555,"end":957.875,"confidence":0.98087215,"punctuated_word":"provide.","sentiment":"positive","sentiment_score":0.4201350808143616},{"word":"it","start":957.875,"end":958.115,"confidence":0.9465436,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.49823904037475586},{"word":"is","start":958.115,"end":958.275,"confidence":0.9741442,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.43317651748657227},{"word":"all","start":958.275,"end":958.435,"confidence":0.99765056,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.46970170736312866},{"word":"part","start":958.435,"end":958.59503,"confidence":0.9932516,"punctuated_word":"part","sentiment":"positive","sentiment_score":0.5062957406044006},{"word":"of","start":958.59503,"end":958.675,"confidence":0.9782547,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5124526619911194},{"word":"you","start":958.675,"end":958.835,"confidence":0.992708,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5731800198554993},{"word":"being","start":958.835,"end":959.075,"confidence":0.95667243,"punctuated_word":"being","sentiment":"positive","sentiment_score":0.515099048614502},{"word":"an","start":959.075,"end":959.235,"confidence":0.9905425,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.5334061980247498},{"word":"ongoing","start":959.235,"end":959.715,"confidence":0.9987143,"punctuated_word":"ongoing","sentiment":"positive","sentiment_score":0.5416483879089355},{"word":"service","start":959.715,"end":960.115,"confidence":0.99868256,"punctuated_word":"service","sentiment":"positive","sentiment_score":0.3894321620464325},{"word":"client","start":960.115,"end":960.355,"confidence":0.71248806,"punctuated_word":"client,","sentiment":"positive","sentiment_score":0.48873934149742126},{"word":"so","start":960.355,"end":960.515,"confidence":0.9921143,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.3680911660194397},{"word":"you","start":960.515,"end":960.675,"confidence":0.99681205,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4248228371143341},{"word":"pay","start":960.675,"end":960.835,"confidence":0.89216185,"punctuated_word":"pay","sentiment":"positive","sentiment_score":0.4324547052383423},{"word":"an","start":960.835,"end":960.915,"confidence":0.9852461,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.4552629292011261},{"word":"ongoing","start":960.915,"end":961.315,"confidence":0.9995066,"punctuated_word":"ongoing","sentiment":"positive","sentiment_score":0.4361715316772461},{"word":"service","start":961.315,"end":961.715,"confidence":0.98918474,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.2970523536205292},{"word":"fee","start":961.715,"end":961.955,"confidence":0.9896035,"punctuated_word":"fee","sentiment":"positive","sentiment_score":0.49864867329597473},{"word":"for","start":961.955,"end":962.115,"confidence":0.9109248,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4871910512447357},{"word":"our","start":962.115,"end":962.275,"confidence":0.99561226,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.4024552404880524},{"word":"services","start":962.275,"end":962.775,"confidence":0.99702364,"punctuated_word":"services","sentiment":"positive","sentiment_score":0.3553869426250458},{"word":"for","start":962.835,"end":962.995,"confidence":0.6167119,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4550825357437134},{"word":"having","start":962.995,"end":963.235,"confidence":0.99973065,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.5285487174987793},{"word":"us","start":963.235,"end":963.475,"confidence":0.99972194,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.4597933888435364},{"word":"look","start":963.475,"end":963.635,"confidence":0.99729353,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.4748023450374603},{"word":"after","start":963.635,"end":963.955,"confidence":0.99698466,"punctuated_word":"after","sentiment":"positive","sentiment_score":0.555792510509491},{"word":"everything","start":963.955,"end":964.435,"confidence":0.99970347,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.623720109462738},{"word":"for","start":964.435,"end":964.675,"confidence":0.9998523,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5939555764198303},{"word":"you","start":964.675,"end":965.175,"confidence":0.9160253,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5073084235191345},{"word":"and","start":965.555,"end":965.795,"confidence":0.9711495,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4134611189365387},{"word":"so","start":965.795,"end":966.115,"confidence":0.99199086,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4261523485183716},{"word":"it","start":966.115,"end":966.275,"confidence":0.64043987,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5067876577377319},{"word":"means","start":966.275,"end":966.515,"confidence":0.9967443,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.3835669159889221},{"word":"that","start":966.515,"end":966.755,"confidence":0.980749,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.45234453678131104},{"word":"we","start":966.755,"end":966.835,"confidence":0.998936,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.49295368790626526},{"word":"provide","start":966.835,"end":967.235,"confidence":0.99485934,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.5050546526908875},{"word":"all","start":967.235,"end":967.395,"confidence":0.98774475,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5922554731369019},{"word":"this","start":967.395,"end":967.555,"confidence":0.97541547,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.6176090240478516},{"word":"advice","start":967.555,"end":968.03503,"confidence":0.99872774,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.5088127255439758},{"word":"for","start":968.03503,"end":968.195,"confidence":0.999721,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5984342694282532},{"word":"you","start":968.195,"end":968.64,"confidence":0.7646948,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5193122625350952},{"word":"basically","start":969.2,"end":969.7,"confidence":0.8384309,"punctuated_word":"Basically,","sentiment":"positive","sentiment_score":0.4394991993904114},{"word":"complimentary","start":969.76,"end":970.26,"confidence":0.6769543,"punctuated_word":"complimentary.","sentiment":"positive","sentiment_score":0.5321863889694214},{"word":"it's","start":970.4,"end":970.56,"confidence":0.99898607,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.47819238901138306},{"word":"all","start":970.56,"end":970.72003,"confidence":0.9836464,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4324388206005096},{"word":"part","start":970.72003,"end":970.96,"confidence":0.99708086,"punctuated_word":"part","sentiment":"positive","sentiment_score":0.44214972853660583},{"word":"of","start":970.96,"end":971.04004,"confidence":0.99916804,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4482765793800354},{"word":"the","start":971.04004,"end":971.2,"confidence":0.9743751,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.46528398990631104},{"word":"service","start":971.2,"end":971.44,"confidence":0.99926764,"punctuated_word":"service","sentiment":"positive","sentiment_score":0.48615485429763794},{"word":"that","start":971.44,"end":971.68,"confidence":0.99970394,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5784449577331543},{"word":"we","start":971.68,"end":971.84,"confidence":0.9997185,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.45203426480293274},{"word":"provide","start":971.84,"end":972.08,"confidence":0.9955901,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.4584774971008301},{"word":"in","start":972.08,"end":972.24,"confidence":0.5362337,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5130389928817749},{"word":"trying","start":972.24,"end":972.48004,"confidence":0.9764256,"punctuated_word":"trying","sentiment":"positive","sentiment_score":0.5841912031173706},{"word":"to","start":972.48004,"end":972.56,"confidence":0.9955909,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5241143107414246},{"word":"keep","start":972.56,"end":972.8,"confidence":0.9992441,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.5371214747428894},{"word":"you","start":972.8,"end":972.88,"confidence":0.99924755,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5944865345954895},{"word":"on","start":972.88,"end":973.12,"confidence":0.99857914,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.571186900138855},{"word":"track","start":973.12,"end":973.62,"confidence":0.9996244,"punctuated_word":"track.","sentiment":"positive","sentiment_score":0.4895719289779663},{"word":"okay","start":973.68,"end":974.18,"confidence":0.9607351,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.30354803800582886},{"word":"easy","start":976.16003,"end":976.66003,"confidence":0.96908987,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.3401579260826111},{"word":"yeah","start":979.44,"end":979.94,"confidence":0.9979866,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017096977680921555},{"word":"okay","start":984.575,"end":985.05505,"confidence":0.956988,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04462064802646637},{"word":"yeah","start":985.05505,"end":985.375,"confidence":0.9978303,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04206284508109093},{"word":"yeah","start":985.375,"end":985.61505,"confidence":0.9856162,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04709983617067337},{"word":"so","start":985.61505,"end":985.85504,"confidence":0.99014914,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04436201602220535},{"word":"you","start":985.85504,"end":985.93506,"confidence":0.99612194,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05472111701965332},{"word":"wanna","start":985.93506,"end":986.17505,"confidence":0.9465693,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09024988859891891},{"word":"do","start":986.17505,"end":986.41504,"confidence":0.9966813,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07704420387744904},{"word":"compassionate","start":986.41504,"end":986.91504,"confidence":0.53827727,"punctuated_word":"compassionate","sentiment":"neutral","sentiment_score":0.11610793322324751},{"word":"grounds","start":986.97504,"end":987.47504,"confidence":0.8120598,"punctuated_word":"grounds?","sentiment":"neutral","sentiment_score":0.08443401008844376},{"word":"yeah","start":987.61505,"end":988.11505,"confidence":0.99673116,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.029255781322717667},{"word":"yeah","start":988.895,"end":989.395,"confidence":0.99011433,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.2058359682559967},{"word":"oh","start":990.41504,"end":990.73505,"confidence":0.9797629,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.20090651512145996},{"word":"no","start":990.73505,"end":991.23505,"confidence":0.9987937,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.2628915011882782},{"word":"yeah","start":994.26996,"end":994.58997,"confidence":0.99927664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.13948458433151245},{"word":"right","start":994.58997,"end":995.08997,"confidence":0.9933913,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.14006462693214417},{"word":"yeah","start":996.51,"end":997.01,"confidence":0.99705535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.14896242320537567},{"word":"yeah","start":1002.43,"end":1002.67,"confidence":0.9907068,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10195659846067429},{"word":"yeah","start":1002.67,"end":1003.17,"confidence":0.86488694,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.12906289100646973},{"word":"yeah","start":1006.515,"end":1006.835,"confidence":0.9949168,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.044792622327804565},{"word":"no","start":1006.835,"end":1007.075,"confidence":0.991017,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11169873923063278},{"word":"fair","start":1007.075,"end":1007.395,"confidence":0.99641365,"punctuated_word":"Fair","sentiment":"neutral","sentiment_score":-0.01549384742975235},{"word":"enough","start":1007.395,"end":1007.795,"confidence":0.9995057,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":-0.031134821474552155},{"word":"so","start":1007.795,"end":1007.955,"confidence":0.9865866,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10724544525146484},{"word":"you","start":1007.955,"end":1008.115,"confidence":0.998558,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14190632104873657},{"word":"absolutely","start":1008.115,"end":1008.515,"confidence":0.9990019,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.20452570915222168},{"word":"can","start":1008.515,"end":1008.755,"confidence":0.9986236,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.2452850043773651},{"word":"have","start":1008.755,"end":1008.995,"confidence":0.99979466,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.11753398925065994},{"word":"you","start":1008.995,"end":1009.235,"confidence":0.99948883,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11044517159461976},{"word":"spoken","start":1009.235,"end":1009.555,"confidence":0.9995956,"punctuated_word":"spoken","sentiment":"neutral","sentiment_score":0.1006983518600464},{"word":"to","start":1009.555,"end":1009.71497,"confidence":0.99969363,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09579747915267944},{"word":"a","start":1009.71497,"end":1009.875,"confidence":0.99950004,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07951906323432922},{"word":"dentist","start":1009.875,"end":1010.375,"confidence":0.9996644,"punctuated_word":"dentist","sentiment":"neutral","sentiment_score":0.05063539743423462},{"word":"and","start":1010.435,"end":1010.675,"confidence":0.99304307,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03511481732130051},{"word":"gotten","start":1010.675,"end":1010.995,"confidence":0.996865,"punctuated_word":"gotten","sentiment":"neutral","sentiment_score":0.034314170479774475},{"word":"a","start":1010.995,"end":1011.075,"confidence":0.98676145,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04743732511997223},{"word":"quote","start":1011.075,"end":1011.315,"confidence":0.9960939,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.06751243770122528},{"word":"on","start":1011.315,"end":1011.475,"confidence":0.9995223,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08675053715705872},{"word":"how","start":1011.475,"end":1011.635,"confidence":0.99987876,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05820336192846298},{"word":"much","start":1011.635,"end":1011.795,"confidence":0.9996743,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.05776070058345795},{"word":"it's","start":1011.795,"end":1011.955,"confidence":0.9974075,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04618903994560242},{"word":"gonna","start":1011.955,"end":1012.27496,"confidence":0.9987657,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.01296265423297882},{"word":"cost","start":1012.27496,"end":1012.595,"confidence":0.998912,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.05207012593746185},{"word":"you","start":1012.595,"end":1013.095,"confidence":0.99895394,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.030496440827846527},{"word":"yeah","start":1016.835,"end":1017.335,"confidence":0.8291576,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11924517154693604},{"word":"that's","start":1018.89,"end":1019.13,"confidence":0.998285,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1817503273487091},{"word":"okay","start":1019.13,"end":1019.63,"confidence":0.9996872,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2218016982078552},{"word":"what","start":1020.01,"end":1020.25,"confidence":0.70678914,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.1997617781162262},{"word":"i'll","start":1020.25,"end":1020.41003,"confidence":0.99792016,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.19961516559123993},{"word":"get","start":1020.41003,"end":1020.57,"confidence":0.9995346,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2310849726200104},{"word":"you","start":1020.57,"end":1020.73004,"confidence":0.99956244,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1856418401002884},{"word":"to","start":1020.73004,"end":1020.81,"confidence":0.9876909,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19393160939216617},{"word":"do","start":1020.81,"end":1021.05005,"confidence":0.9892564,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17838387191295624},{"word":"is","start":1021.05005,"end":1021.37,"confidence":0.9944074,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16120265424251556},{"word":"in","start":1021.37,"end":1021.45,"confidence":0.9015839,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18290841579437256},{"word":"order","start":1021.45,"end":1021.69,"confidence":0.9996458,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.1465505808591843},{"word":"to","start":1021.69,"end":1021.85004,"confidence":0.9891432,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1793970912694931},{"word":"to","start":1021.85004,"end":1022.35004,"confidence":0.43761912,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1803172677755356},{"word":"do","start":1022.41003,"end":1022.57,"confidence":0.95899355,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17463688552379608},{"word":"pack","start":1022.57,"end":1022.81,"confidence":0.30135763,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.20409175753593445},{"word":"compassionate","start":1022.89,"end":1023.39,"confidence":0.8829896,"punctuated_word":"Compassionate","sentiment":"neutral","sentiment_score":0.2641068696975708},{"word":"grounds","start":1023.45,"end":1023.77,"confidence":0.8120165,"punctuated_word":"Grounds,","sentiment":"neutral","sentiment_score":0.23946361243724823},{"word":"you","start":1023.77,"end":1024.01,"confidence":0.9991529,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2098957002162933},{"word":"essentially","start":1024.01,"end":1024.41,"confidence":0.96872175,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.16095632314682007},{"word":"need","start":1024.41,"end":1024.5701,"confidence":0.99932027,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.19613902270793915},{"word":"to","start":1024.5701,"end":1024.73,"confidence":0.9995789,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17961572110652924},{"word":"be","start":1024.73,"end":1024.81,"confidence":0.9993474,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14844119548797607},{"word":"able","start":1024.81,"end":1024.97,"confidence":0.97549146,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1840016543865204},{"word":"to","start":1024.97,"end":1025.05,"confidence":0.9946168,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.226982980966568},{"word":"get","start":1025.05,"end":1025.2101,"confidence":0.9997236,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.17363153398036957},{"word":"a","start":1025.2101,"end":1025.29,"confidence":0.9977221,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1672946959733963},{"word":"quote","start":1025.29,"end":1025.53,"confidence":0.9966685,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.17608186602592468},{"word":"on","start":1025.53,"end":1025.6901,"confidence":0.9995078,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.21450728178024292},{"word":"how","start":1025.6901,"end":1025.85,"confidence":0.99982435,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1949958503246307},{"word":"much","start":1025.85,"end":1026.09,"confidence":0.9997577,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1775495707988739},{"word":"it's","start":1026.09,"end":1026.17,"confidence":0.99840075,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.19070933759212497},{"word":"gonna","start":1026.17,"end":1026.49,"confidence":0.99907506,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.19222252070903775},{"word":"cost","start":1026.49,"end":1026.73,"confidence":0.9980167,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.1910098493099213},{"word":"to","start":1026.73,"end":1026.81,"confidence":0.9979678,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23457202315330505},{"word":"have","start":1026.81,"end":1027.05,"confidence":0.9996834,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22241483628749847},{"word":"the","start":1027.05,"end":1027.2101,"confidence":0.99859947,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.221339613199234},{"word":"work","start":1027.2101,"end":1027.4501,"confidence":0.9871934,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.21001675724983215},{"word":"done","start":1027.4501,"end":1027.9501,"confidence":0.9717201,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.19017010927200317},{"word":"so","start":1028.25,"end":1028.5701,"confidence":0.9761155,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14969857037067413},{"word":"contact","start":1028.5701,"end":1028.97,"confidence":0.99353904,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":0.1349094659090042},{"word":"dentists","start":1028.97,"end":1029.29,"confidence":0.8073716,"punctuated_word":"dentists","sentiment":"neutral","sentiment_score":0.1273569017648697},{"word":"and","start":1029.29,"end":1029.4501,"confidence":0.98324686,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1750497817993164},{"word":"find","start":1029.4501,"end":1029.6901,"confidence":0.99930286,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.1499282419681549},{"word":"out","start":1029.6901,"end":1029.85,"confidence":0.9959313,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.13560941815376282},{"word":"how","start":1029.85,"end":1029.93,"confidence":0.9994332,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1453801989555359},{"word":"much","start":1029.93,"end":1030.17,"confidence":0.9993543,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1428007334470749},{"word":"it's","start":1030.17,"end":1030.3301,"confidence":0.9949889,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.18690913915634155},{"word":"gonna","start":1030.3301,"end":1030.5701,"confidence":0.99874735,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2087808698415756},{"word":"be","start":1030.5701,"end":1030.73,"confidence":0.8674297,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.203744575381279},{"word":"get","start":1030.73,"end":1030.89,"confidence":0.99870276,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1746653914451599},{"word":"them","start":1030.89,"end":1031.05,"confidence":0.99912554,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.11344766616821288},{"word":"to","start":1031.05,"end":1031.13,"confidence":0.99496436,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1959238350391388},{"word":"print","start":1031.13,"end":1031.37,"confidence":0.95855683,"punctuated_word":"print","sentiment":"neutral","sentiment_score":0.10192535817623138},{"word":"you","start":1031.37,"end":1031.53,"confidence":0.99811447,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14873206615447998},{"word":"out","start":1031.53,"end":1031.6901,"confidence":0.9457991,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.16252946853637695},{"word":"a","start":1031.6901,"end":1031.77,"confidence":0.9737248,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1850520819425583},{"word":"quote","start":1031.77,"end":1032.225,"confidence":0.9666476,"punctuated_word":"quote,","sentiment":"neutral","sentiment_score":0.16996142268180847},{"word":"and","start":1032.385,"end":1032.625,"confidence":0.99971527,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1999070942401886},{"word":"then","start":1032.625,"end":1032.705,"confidence":0.9999423,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.17759208381175995},{"word":"you","start":1032.705,"end":1032.865,"confidence":0.99948454,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17158184945583344},{"word":"just","start":1032.865,"end":1033.1849,"confidence":0.9988009,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17648038268089294},{"word":"apply","start":1033.1849,"end":1033.505,"confidence":0.9929536,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.09001023322343826},{"word":"for","start":1033.505,"end":1033.6649,"confidence":0.99255955,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14937672019004822},{"word":"compassionate","start":1033.6649,"end":1034.1649,"confidence":0.89790183,"punctuated_word":"Compassionate","sentiment":"neutral","sentiment_score":0.203377828001976},{"word":"grounds","start":1034.225,"end":1034.5449,"confidence":0.21329887,"punctuated_word":"grounds","sentiment":"neutral","sentiment_score":0.17504900693893433},{"word":"through","start":1034.5449,"end":1034.785,"confidence":0.97806805,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1663157194852829},{"word":"your","start":1034.785,"end":1035.025,"confidence":0.99291986,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.218963086605072},{"word":"mygov","start":1035.025,"end":1035.4249,"confidence":0.8156909,"punctuated_word":"myGov","sentiment":"neutral","sentiment_score":0.17093758285045624},{"word":"account","start":1035.4249,"end":1035.9249,"confidence":0.8848418,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.1760783493518829},{"word":"it","start":1036.3049,"end":1036.465,"confidence":0.6761638,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.13019117712974548},{"word":"goes","start":1036.465,"end":1036.705,"confidence":0.9996007,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.14097896218299866},{"word":"direct","start":1036.705,"end":1037.025,"confidence":0.95657754,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":0.10918383300304411},{"word":"to","start":1037.025,"end":1037.105,"confidence":0.99745053,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08789357542991638},{"word":"the","start":1037.105,"end":1037.265,"confidence":0.9984567,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0744563415646553},{"word":"ato","start":1037.265,"end":1037.765,"confidence":0.97663116,"punctuated_word":"ATO.","sentiment":"neutral","sentiment_score":0.08032301068305969},{"word":"they're","start":1037.905,"end":1038.065,"confidence":0.9893403,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.028216861188411713},{"word":"just","start":1038.065,"end":1038.225,"confidence":0.99950707,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.005786627531051636},{"word":"wanting","start":1038.225,"end":1038.5449,"confidence":0.9996425,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.05264171212911606},{"word":"to","start":1038.5449,"end":1038.625,"confidence":0.9991954,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0413808599114418},{"word":"make","start":1038.625,"end":1038.785,"confidence":0.99989307,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.002176031470298767},{"word":"sure","start":1038.785,"end":1039.025,"confidence":0.99961996,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.019076108932495117},{"word":"and","start":1039.025,"end":1039.1849,"confidence":0.9920564,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02947656810283661},{"word":"confirm","start":1039.1849,"end":1039.505,"confidence":0.99871874,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":-0.027361690998077393},{"word":"that","start":1039.505,"end":1039.6649,"confidence":0.99957806,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.033243656158447266},{"word":"you","start":1039.6649,"end":1039.825,"confidence":0.999912,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04368387162685394},{"word":"can't","start":1039.825,"end":1040.145,"confidence":0.99885416,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.033834196627140045},{"word":"pay","start":1040.145,"end":1040.3049,"confidence":0.9997757,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.08384105563163757},{"word":"for","start":1040.3049,"end":1040.5449,"confidence":0.9942867,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.11280151456594469},{"word":"this","start":1040.5449,"end":1040.785,"confidence":0.9983444,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.12739473581314087},{"word":"any","start":1040.785,"end":1041.025,"confidence":0.9991103,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.20188775658607483},{"word":"other","start":1041.025,"end":1041.265,"confidence":0.99983037,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.19868925213813785},{"word":"way","start":1041.265,"end":1041.765,"confidence":0.88594496,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":-0.020965807139873505},{"word":"and","start":1042.3049,"end":1042.465,"confidence":0.9828886,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04554557800292969},{"word":"as","start":1042.465,"end":1042.625,"confidence":0.9994166,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02250223606824875},{"word":"long","start":1042.625,"end":1042.865,"confidence":0.9993864,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.038638755679130554},{"word":"as","start":1042.865,"end":1042.945,"confidence":0.98489916,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0008064508438110352},{"word":"you've","start":1042.945,"end":1043.105,"confidence":0.948645,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.02195803634822369},{"word":"got","start":1043.105,"end":1043.265,"confidence":0.9998498,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.030683018267154697},{"word":"the","start":1043.265,"end":1043.4249,"confidence":0.99940324,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024596109986305237},{"word":"evidence","start":1043.4249,"end":1043.825,"confidence":0.9912164,"punctuated_word":"evidence","sentiment":"neutral","sentiment_score":-0.006736241281032562},{"word":"of","start":1043.825,"end":1043.985,"confidence":0.96539927,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01820749044418335},{"word":"how","start":1043.985,"end":1044.145,"confidence":0.9998573,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.027131371200084686},{"word":"much","start":1044.145,"end":1044.3049,"confidence":0.9996878,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.006064713001251221},{"word":"it's","start":1044.3049,"end":1044.5449,"confidence":0.9838915,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.02826933190226555},{"word":"gonna","start":1044.5449,"end":1044.785,"confidence":0.9995913,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.01574307680130005},{"word":"cost","start":1044.785,"end":1045.285,"confidence":0.9967494,"punctuated_word":"cost,","sentiment":"neutral","sentiment_score":0.03487403318285942},{"word":"they'll","start":1045.88,"end":1046.2799,"confidence":0.99605083,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":-0.009057505056262016},{"word":"look","start":1046.2799,"end":1046.5199,"confidence":0.99948835,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.05930788815021515},{"word":"at","start":1046.5199,"end":1046.6799,"confidence":0.90406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07146807014942169},{"word":"the","start":1046.6799,"end":1047.08,"confidence":0.987105,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04214148223400116},{"word":"the","start":1047.08,"end":1047.48,"confidence":0.9981896,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03540492802858353},{"word":"eligibility","start":1047.48,"end":1047.98,"confidence":0.9986524,"punctuated_word":"eligibility","sentiment":"neutral","sentiment_score":0.04493816196918487},{"word":"for","start":1048.2799,"end":1048.44,"confidence":0.99990594,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0021259337663650513},{"word":"you","start":1048.44,"end":1048.84,"confidence":0.99991655,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024101510643959045},{"word":"and","start":1048.84,"end":1049.34,"confidence":0.61978024,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0374542698264122},{"word":"haven't","start":1050.12,"end":1050.44,"confidence":0.84934163,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.03911940008401871},{"word":"seen","start":1050.44,"end":1050.6799,"confidence":0.9992094,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.12067369371652605},{"word":"a","start":1050.6799,"end":1050.7599,"confidence":0.9995246,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1446627676486969},{"word":"lot","start":1050.7599,"end":1050.9199,"confidence":0.99992776,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.17866162955760956},{"word":"of","start":1050.9199,"end":1051.08,"confidence":0.9954283,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19658982753753665},{"word":"them","start":1051.08,"end":1051.32,"confidence":0.99924326,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.1770246922969818},{"word":"unapproved","start":1051.32,"end":1051.82,"confidence":0.6208192,"punctuated_word":"unapproved","sentiment":"neutral","sentiment_score":-0.3107013702392578},{"word":"not","start":1051.96,"end":1052.2,"confidence":0.98960143,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.26435238122940063},{"word":"approved","start":1052.2,"end":1052.7,"confidence":0.84009737,"punctuated_word":"approved.","sentiment":"neutral","sentiment_score":-0.11677901446819304},{"word":"but","start":1053.24,"end":1053.48,"confidence":0.9727462,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.005989372730255127},{"word":"they'll","start":1053.48,"end":1053.72,"confidence":0.8114008,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.01823895424604416},{"word":"just","start":1053.72,"end":1053.88,"confidence":0.9970456,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0987519770860672},{"word":"want","start":1053.88,"end":1054.12,"confidence":0.9919962,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.09774164110422134},{"word":"the","start":1054.12,"end":1054.2799,"confidence":0.9862294,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10106351971626282},{"word":"quote","start":1054.2799,"end":1054.5199,"confidence":0.8483288,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.10439681261777878},{"word":"to","start":1054.5199,"end":1054.6799,"confidence":0.9744785,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09795133769512177},{"word":"show","start":1054.6799,"end":1054.84,"confidence":0.9811018,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.13422301411628723},{"word":"how","start":1054.84,"end":1055.0,"confidence":0.99552613,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.13251543045043945},{"word":"much","start":1055.0,"end":1055.24,"confidence":0.99825853,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.12462334334850313},{"word":"it's","start":1055.24,"end":1055.32,"confidence":0.6890841,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.16733771562576294},{"word":"gonna","start":1055.32,"end":1055.6399,"confidence":0.9987393,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.12883450090885162},{"word":"cost","start":1055.6399,"end":1055.88,"confidence":0.99073446,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.08080826699733734},{"word":"that","start":1055.88,"end":1056.0399,"confidence":0.5995467,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09668188542127608},{"word":"you","start":1056.0399,"end":1056.2,"confidence":0.7522983,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.04324541613459587},{"word":"you","start":1056.2,"end":1056.2799,"confidence":0.99765164,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01028856635093689},{"word":"know","start":1056.2799,"end":1056.44,"confidence":0.97294044,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0030730143189430237},{"word":"you're","start":1056.44,"end":1056.6,"confidence":0.92975086,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.11950232088565826},{"word":"telling","start":1056.6,"end":1056.84,"confidence":0.9983536,"punctuated_word":"telling","sentiment":"neutral","sentiment_score":-0.20231255888938904},{"word":"them","start":1056.84,"end":1057.08,"confidence":0.97334516,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.19139668345451355},{"word":"you","start":1057.08,"end":1057.1599,"confidence":0.808844,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2617243826389313},{"word":"can't","start":1057.1599,"end":1057.3999,"confidence":0.89255726,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1710275411605835},{"word":"to","start":1057.3999,"end":1057.5599,"confidence":0.12818499,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21107178926467896},{"word":"the","start":1057.5599,"end":1057.72,"confidence":0.9511673,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22874873876571655},{"word":"pay","start":1057.72,"end":1057.88,"confidence":0.41064137,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.2476234883069992},{"word":"if","start":1057.88,"end":1057.96,"confidence":0.39794663,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.18343372642993927},{"word":"there's","start":1057.96,"end":1058.12,"confidence":0.7692983,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.12967383861541748},{"word":"any","start":1058.12,"end":1058.44,"confidence":0.9982286,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.08100656419992447},{"word":"other","start":1058.44,"end":1058.6,"confidence":0.9985232,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.08680421113967896},{"word":"way","start":1058.6,"end":1059.045,"confidence":0.7485021,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":-0.06878457963466644},{"word":"and","start":1059.125,"end":1059.285,"confidence":0.99879044,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0043656229972839355},{"word":"the","start":1059.285,"end":1059.525,"confidence":0.6369279,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016575396060943604},{"word":"ato","start":1059.525,"end":1060.005,"confidence":0.6515722,"punctuated_word":"ATO","sentiment":"neutral","sentiment_score":0.03840324282646179},{"word":"made","start":1060.005,"end":1060.245,"confidence":0.4320945,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.008081577718257904},{"word":"the","start":1060.245,"end":1060.3251,"confidence":0.9811631,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03846614062786102},{"word":"decision","start":1060.3251,"end":1060.8251,"confidence":0.93590474,"punctuated_word":"decision.","sentiment":"neutral","sentiment_score":0.03906966373324394},{"word":"they","start":1061.6051,"end":1061.685,"confidence":0.6834134,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.13537511229515076},{"word":"if","start":1062.165,"end":1062.3251,"confidence":0.99880195,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2467777729034424},{"word":"they","start":1062.3251,"end":1062.5651,"confidence":0.9995017,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.25971531867980957},{"word":"approve","start":1062.5651,"end":1063.045,"confidence":0.9540829,"punctuated_word":"approve","sentiment":"neutral","sentiment_score":0.29764649271965027},{"word":"the","start":1063.045,"end":1063.2051,"confidence":0.9995135,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3357893228530884},{"word":"claim","start":1063.2051,"end":1063.7051,"confidence":0.99723655,"punctuated_word":"claim,","sentiment":"positive","sentiment_score":0.36714231967926025},{"word":"we'll","start":1063.8451,"end":1064.165,"confidence":0.99008965,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.404204785823822},{"word":"let","start":1064.165,"end":1064.405,"confidence":0.9998012,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.4370079338550568},{"word":"your","start":1064.405,"end":1064.645,"confidence":0.96361035,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.43698522448539734},{"word":"super","start":1064.645,"end":1064.9651,"confidence":0.5055408,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.3282138705253601},{"word":"fund","start":1064.9651,"end":1065.2051,"confidence":0.93628937,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.378853976726532},{"word":"know","start":1065.2051,"end":1065.4451,"confidence":0.81581473,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.412537693977356},{"word":"and","start":1065.4451,"end":1065.685,"confidence":0.99975604,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4310939908027649},{"word":"your","start":1065.685,"end":1065.8451,"confidence":0.9647868,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4175297021865845},{"word":"super","start":1065.8451,"end":1066.0851,"confidence":0.9911233,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3565104603767395},{"word":"fund","start":1066.0851,"end":1066.3251,"confidence":0.9931022,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.3947956264019013},{"word":"will","start":1066.3251,"end":1066.485,"confidence":0.96203816,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4652912616729736},{"word":"let","start":1066.485,"end":1066.7251,"confidence":0.99903667,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.4262750744819641},{"word":"us","start":1066.7251,"end":1066.805,"confidence":0.9998258,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.38547560572624207},{"word":"know","start":1066.805,"end":1067.125,"confidence":0.88152796,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.4321746230125427},{"word":"and","start":1067.125,"end":1067.285,"confidence":0.9997123,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4093930423259735},{"word":"then","start":1067.285,"end":1067.4451,"confidence":0.999814,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.35170263051986694},{"word":"we'll","start":1067.4451,"end":1067.685,"confidence":0.9997171,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.47271132469177246},{"word":"be","start":1067.685,"end":1067.8451,"confidence":0.99982244,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5712889432907104},{"word":"able","start":1067.8451,"end":1068.005,"confidence":0.9998441,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.5484554767608643},{"word":"to","start":1068.005,"end":1068.165,"confidence":0.99903274,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5567283630371094},{"word":"make","start":1068.165,"end":1068.3251,"confidence":0.9999378,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.6157249212265015},{"word":"sure","start":1068.3251,"end":1068.5651,"confidence":0.9996859,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.538403332233429},{"word":"we","start":1068.5651,"end":1068.7251,"confidence":0.99915874,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5356661677360535},{"word":"help","start":1068.7251,"end":1068.885,"confidence":0.99713457,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.5627583265304565},{"word":"you","start":1068.885,"end":1069.045,"confidence":0.99973613,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5938606262207031},{"word":"with","start":1069.045,"end":1069.285,"confidence":0.9994313,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5220517516136169},{"word":"the","start":1069.285,"end":1069.4451,"confidence":0.9963689,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3906893730163574},{"word":"withdrawal","start":1069.4451,"end":1069.9451,"confidence":0.9489796,"punctuated_word":"withdrawal","sentiment":"positive","sentiment_score":0.43931612372398376},{"word":"out","start":1070.005,"end":1070.505,"confidence":0.97681725,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.2457990795373917},{"word":"because","start":1071.045,"end":1071.4451,"confidence":0.98039836,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.020616598427295685},{"word":"you","start":1071.4451,"end":1071.765,"confidence":0.9998142,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04883547872304917},{"word":"are","start":1071.765,"end":1072.005,"confidence":0.999658,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.02288738638162613},{"word":"under","start":1072.005,"end":1072.505,"confidence":0.9978454,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.07384099066257477},{"word":"because","start":1073.65,"end":1073.81,"confidence":0.9994499,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07511057704687119},{"word":"you","start":1073.81,"end":1073.97,"confidence":0.99988747,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11829175800085068},{"word":"are","start":1073.97,"end":1074.29,"confidence":0.99970824,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.10402948409318924},{"word":"under","start":1074.29,"end":1074.61,"confidence":0.999587,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.12260599434375764},{"word":"the","start":1074.61,"end":1074.77,"confidence":0.9994691,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0916963741183281},{"word":"age","start":1074.77,"end":1075.01,"confidence":0.999097,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.07160188257694244},{"word":"of","start":1075.01,"end":1075.17,"confidence":0.9982284,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10488945990800858},{"word":"60","start":1075.17,"end":1075.67,"confidence":0.9978113,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":-0.12188401818275452},{"word":"your","start":1076.21,"end":1076.53,"confidence":0.98345053,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2094193696975708},{"word":"super","start":1076.53,"end":1076.85,"confidence":0.79242724,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.1295371949672699},{"word":"fund","start":1076.85,"end":1077.09,"confidence":0.86430764,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.10608714818954468},{"word":"can","start":1077.09,"end":1077.41,"confidence":0.99958843,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.14915096759796145},{"word":"and","start":1077.41,"end":1077.57,"confidence":0.94016343,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17311836779117584},{"word":"does","start":1077.57,"end":1077.8099,"confidence":0.99432135,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.2112554907798767},{"word":"withhold","start":1077.8099,"end":1078.3099,"confidence":0.9993895,"punctuated_word":"withhold","sentiment":"neutral","sentiment_score":-0.2041974365711212},{"word":"tax","start":1078.37,"end":1078.87,"confidence":0.9994999,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.14668694138526917},{"word":"for","start":1079.65,"end":1079.89,"confidence":0.98293155,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.17402556538581848},{"word":"the","start":1079.89,"end":1080.13,"confidence":0.999877,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2486823797225952},{"word":"withdrawal","start":1080.13,"end":1080.63,"confidence":0.95755917,"punctuated_word":"withdrawal","sentiment":"neutral","sentiment_score":-0.24817216396331787},{"word":"because","start":1081.01,"end":1081.33,"confidence":0.7657524,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.14537817239761353},{"word":"there","start":1081.33,"end":1081.57,"confidence":0.96906507,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1882030963897705},{"word":"is","start":1081.57,"end":1081.8099,"confidence":0.5251928,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.14720343053340912},{"word":"technically","start":1082.13,"end":1082.63,"confidence":0.97089714,"punctuated_word":"technically,","sentiment":"neutral","sentiment_score":-0.13610106706619263},{"word":"the","start":1082.69,"end":1082.77,"confidence":0.9997793,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13653138279914856},{"word":"amount","start":1082.77,"end":1083.17,"confidence":0.9999579,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.11202405393123628},{"word":"pulled","start":1083.17,"end":1083.41,"confidence":0.9959643,"punctuated_word":"pulled","sentiment":"neutral","sentiment_score":-0.0613262802362442},{"word":"out","start":1083.41,"end":1083.57,"confidence":0.99632686,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.13193854689598083},{"word":"of","start":1083.57,"end":1083.73,"confidence":0.90183234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15692000091075897},{"word":"super","start":1083.73,"end":1084.05,"confidence":0.93703425,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.07754304260015488},{"word":"is","start":1084.05,"end":1084.29,"confidence":0.99565685,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.12163746356964111},{"word":"considered","start":1084.29,"end":1084.69,"confidence":0.9951486,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":-0.15129028260707855},{"word":"part","start":1084.69,"end":1084.85,"confidence":0.9953252,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.10109186172485352},{"word":"of","start":1084.85,"end":1085.01,"confidence":0.9990879,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14400118589401245},{"word":"your","start":1085.01,"end":1085.17,"confidence":0.998616,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.15935881435871124},{"word":"assessable","start":1085.17,"end":1085.67,"confidence":0.9661284,"punctuated_word":"assessable","sentiment":"neutral","sentiment_score":-0.035929713398218155},{"word":"income","start":1085.73,"end":1085.97,"confidence":0.71367514,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.1266952008008957},{"word":"it's","start":1085.97,"end":1086.21,"confidence":0.98362917,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1064782589673996},{"word":"added","start":1086.21,"end":1086.45,"confidence":0.9973124,"punctuated_word":"added","sentiment":"neutral","sentiment_score":-0.08855738490819931},{"word":"to","start":1086.45,"end":1086.61,"confidence":0.9904895,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07811059057712555},{"word":"your","start":1086.61,"end":1086.77,"confidence":0.99659216,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.08626231551170349},{"word":"assessable","start":1086.77,"end":1087.27,"confidence":0.9954438,"punctuated_word":"assessable","sentiment":"neutral","sentiment_score":-0.007069721817970276},{"word":"income","start":1087.33,"end":1087.83,"confidence":0.83568496,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":-0.09718763828277588},{"word":"but","start":1087.89,"end":1088.13,"confidence":0.9940896,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.13293075561523438},{"word":"your","start":1088.13,"end":1088.45,"confidence":0.99707854,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2773878872394562},{"word":"tax","start":1088.45,"end":1088.69,"confidence":0.9987463,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.23432959616184235},{"word":"sorry","start":1089.4349,"end":1089.6749,"confidence":0.9734768,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.2775958478450775},{"word":"you're","start":1089.6749,"end":1090.1749,"confidence":0.9431131,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.30915871262550354},{"word":"at","start":1091.315,"end":1091.815,"confidence":0.44972467,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2415512651205063},{"word":"no","start":1093.195,"end":1093.5149,"confidence":0.99397093,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.234564870595932},{"word":"you","start":1093.5149,"end":1093.755,"confidence":0.99862945,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.2985871732234955},{"word":"can't","start":1093.755,"end":1094.255,"confidence":0.9897483,"punctuated_word":"can't.","sentiment":"neutral","sentiment_score":-0.24009451270103457},{"word":"no","start":1094.5549,"end":1094.955,"confidence":0.9991284,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1936970055103302},{"word":"no","start":1094.955,"end":1095.455,"confidence":0.9995518,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.20945274829864505},{"word":"no","start":1096.075,"end":1096.575,"confidence":0.99689674,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.19417759776115415},{"word":"the","start":1097.355,"end":1097.855,"confidence":0.9866065,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.17258867621421814},{"word":"the","start":1098.1549,"end":1098.3949,"confidence":0.9418534,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12044931948184968},{"word":"amount","start":1098.3949,"end":1098.6349,"confidence":0.99775785,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.0007570832967758179},{"word":"you","start":1098.6349,"end":1098.7949,"confidence":0.9985404,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07231135666370392},{"word":"withdraw","start":1098.7949,"end":1099.195,"confidence":0.9935754,"punctuated_word":"withdraw","sentiment":"neutral","sentiment_score":-0.04263278841972351},{"word":"out","start":1099.195,"end":1099.355,"confidence":0.9990671,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.07309822738170624},{"word":"of","start":1099.355,"end":1099.4349,"confidence":0.9992872,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07253430783748627},{"word":"your","start":1099.4349,"end":1099.595,"confidence":0.9982488,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.09065886586904526},{"word":"super","start":1099.595,"end":1099.835,"confidence":0.6793623,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.05345374345779419},{"word":"fund","start":1099.835,"end":1100.075,"confidence":0.94779557,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.0015713274478912354},{"word":"on","start":1100.075,"end":1100.235,"confidence":0.73824203,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01874275505542755},{"word":"the","start":1100.235,"end":1100.3949,"confidence":0.9768555,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.011183977127075195},{"word":"compassionate","start":1100.3949,"end":1100.8949,"confidence":0.70043695,"punctuated_word":"compassionate","sentiment":"neutral","sentiment_score":-0.09245266020298004},{"word":"grounds","start":1101.0349,"end":1101.5149,"confidence":0.9819594,"punctuated_word":"grounds","sentiment":"neutral","sentiment_score":-0.01285579800605774},{"word":"is","start":1101.5149,"end":1101.6749,"confidence":0.99928755,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05606883764266968},{"word":"added","start":1101.6749,"end":1101.995,"confidence":0.9999007,"punctuated_word":"added","sentiment":"neutral","sentiment_score":-0.04146473854780197},{"word":"to","start":1101.995,"end":1102.1549,"confidence":0.9996953,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03643222898244858},{"word":"your","start":1102.1549,"end":1102.315,"confidence":0.999795,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0808977335691452},{"word":"assessable","start":1102.315,"end":1102.815,"confidence":0.99122703,"punctuated_word":"assessable","sentiment":"neutral","sentiment_score":0.01782606914639473},{"word":"income","start":1102.875,"end":1103.375,"confidence":0.8082114,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.07215417921543121},{"word":"but","start":1104.05,"end":1104.29,"confidence":0.9767259,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.14371496438980105},{"word":"the","start":1104.29,"end":1104.53,"confidence":0.9978393,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2358855307102203},{"word":"super","start":1104.53,"end":1104.77,"confidence":0.9861056,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.11731426417827606},{"word":"fund","start":1104.77,"end":1105.09,"confidence":0.98752415,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.11889441311359406},{"word":"withholds","start":1105.09,"end":1105.57,"confidence":0.8272165,"punctuated_word":"withholds","sentiment":"neutral","sentiment_score":-0.2321104258298874},{"word":"a","start":1105.57,"end":1105.73,"confidence":0.9994711,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2682536542415619},{"word":"certain","start":1105.73,"end":1106.05,"confidence":0.9993686,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":-0.2342013418674469},{"word":"amount","start":1106.05,"end":1106.37,"confidence":0.9996909,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.27527958154678345},{"word":"of","start":1106.37,"end":1106.53,"confidence":0.99900776,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.30274924635887146},{"word":"tax","start":1106.53,"end":1107.03,"confidence":0.8660842,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":-0.22973933815956116},{"word":"so","start":1107.25,"end":1107.41,"confidence":0.99947125,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.22254082560539248},{"word":"it's","start":1107.41,"end":1107.57,"confidence":0.9982407,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.233399897813797},{"word":"part","start":1107.57,"end":1107.8099,"confidence":0.99918145,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.2004791498184204},{"word":"of","start":1107.8099,"end":1107.97,"confidence":0.9991111,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21955382823944092},{"word":"your","start":1107.97,"end":1108.13,"confidence":0.9995639,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1755823791027069},{"word":"assessable","start":1108.13,"end":1108.63,"confidence":0.99657965,"punctuated_word":"assessable","sentiment":"neutral","sentiment_score":-0.046500157564878464},{"word":"income","start":1108.77,"end":1109.09,"confidence":0.94148517,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":-0.1317843198776245},{"word":"but","start":1109.09,"end":1109.33,"confidence":0.9998714,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.11927555501461028},{"word":"it's","start":1109.33,"end":1109.49,"confidence":0.9994199,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2387584149837494},{"word":"not","start":1109.49,"end":1109.65,"confidence":0.9999552,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.3042977452278137},{"word":"your","start":1109.65,"end":1109.8099,"confidence":0.99888104,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.29500746726989746},{"word":"assessable","start":1109.8099,"end":1110.3099,"confidence":0.9835565,"punctuated_word":"assessable","sentiment":"neutral","sentiment_score":-0.1920013427734375},{"word":"taxable","start":1110.37,"end":1110.87,"confidence":0.9944186,"punctuated_word":"taxable","sentiment":"neutral","sentiment_score":-0.233664870262146},{"word":"income","start":1110.9299,"end":1111.4299,"confidence":0.9998946,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.29774266481399536},{"word":"it's","start":1111.65,"end":1111.89,"confidence":0.9997482,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.4781263768672943},{"word":"a","start":1111.89,"end":1112.05,"confidence":0.9998983,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5045773983001709},{"word":"little","start":1112.05,"end":1112.29,"confidence":0.9999292,"punctuated_word":"little","sentiment":"negative","sentiment_score":-0.45592570304870605},{"word":"bit","start":1112.29,"end":1112.53,"confidence":0.998995,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.5404146909713745},{"word":"confusing","start":1112.53,"end":1112.9299,"confidence":0.98729867,"punctuated_word":"confusing","sentiment":"negative","sentiment_score":-0.5616950392723083},{"word":"the","start":1112.9299,"end":1113.09,"confidence":0.9784661,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5922076106071472},{"word":"way","start":1113.09,"end":1113.25,"confidence":0.9999205,"punctuated_word":"way","sentiment":"negative","sentiment_score":-0.5359994173049927},{"word":"they","start":1113.25,"end":1113.41,"confidence":0.99908185,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.42855995893478394},{"word":"do","start":1113.41,"end":1113.57,"confidence":0.9974673,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.40455955266952515},{"word":"it","start":1113.57,"end":1113.73,"confidence":0.99097776,"punctuated_word":"it.","sentiment":"negative","sentiment_score":-0.4343246817588806},{"word":"the","start":1113.73,"end":1113.89,"confidence":0.99737895,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.28323081135749817},{"word":"super","start":1113.89,"end":1114.21,"confidence":0.98582107,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.14624133706092834},{"word":"fund","start":1114.21,"end":1114.53,"confidence":0.9529947,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.14474870264530182},{"word":"works","start":1114.53,"end":1114.85,"confidence":0.998178,"punctuated_word":"works","sentiment":"neutral","sentiment_score":-0.1699019968509674},{"word":"out","start":1114.85,"end":1114.9299,"confidence":0.978434,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.14614446461200714},{"word":"or","start":1115.01,"end":1115.17,"confidence":0.8554856,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.24209704995155337},{"word":"the","start":1115.17,"end":1115.33,"confidence":0.99901295,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12411320954561234},{"word":"aco","start":1115.33,"end":1115.65,"confidence":0.8885635,"punctuated_word":"ACO","sentiment":"neutral","sentiment_score":-0.07718578726053238},{"word":"and","start":1115.65,"end":1115.8099,"confidence":0.8669601,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0859263688325882},{"word":"the","start":1115.8099,"end":1115.97,"confidence":0.9948072,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08003083616495132},{"word":"super","start":1115.97,"end":1116.21,"confidence":0.9976404,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.07314881682395935},{"word":"fund","start":1116.21,"end":1116.45,"confidence":0.9893127,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.07267814874649048},{"word":"work","start":1116.45,"end":1116.69,"confidence":0.9276308,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.0888470858335495},{"word":"out","start":1116.69,"end":1116.9299,"confidence":0.99388593,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.11621309071779252},{"word":"essentially","start":1116.9299,"end":1117.33,"confidence":0.87722033,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.0956459790468216},{"word":"how","start":1117.33,"end":1117.49,"confidence":0.9944306,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.14222343266010284},{"word":"much","start":1117.49,"end":1117.8099,"confidence":0.999841,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.21522435545921328},{"word":"tax","start":1117.8099,"end":1118.13,"confidence":0.9974132,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.12609916925430298},{"word":"should","start":1118.13,"end":1118.37,"confidence":0.999706,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.1841406375169754},{"word":"be","start":1118.37,"end":1118.865,"confidence":0.99931383,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.21374571323394775},{"word":"paid","start":1119.025,"end":1119.265,"confidence":0.9998192,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.23469391465187073},{"word":"on","start":1119.265,"end":1119.345,"confidence":0.9999629,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.12994487583637238},{"word":"that","start":1119.345,"end":1119.845,"confidence":0.8982404,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.17087805271148682},{"word":"and","start":1120.145,"end":1120.385,"confidence":0.5674703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1491523236036301},{"word":"they","start":1120.385,"end":1120.545,"confidence":0.9957451,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.11438899487257004},{"word":"try","start":1120.545,"end":1120.705,"confidence":0.9935169,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.1341906189918518},{"word":"to","start":1120.705,"end":1120.865,"confidence":0.99962664,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19802552461624143},{"word":"withhold","start":1120.865,"end":1121.345,"confidence":0.99951506,"punctuated_word":"withhold","sentiment":"neutral","sentiment_score":-0.17898450791835785},{"word":"the","start":1121.345,"end":1121.505,"confidence":0.9996605,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1949974149465561},{"word":"amount","start":1121.505,"end":1121.985,"confidence":0.99997735,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.2036040723323822},{"word":"required","start":1121.985,"end":1122.485,"confidence":0.97749627,"punctuated_word":"required.","sentiment":"neutral","sentiment_score":-0.16553129255771637},{"word":"and","start":1123.265,"end":1123.505,"confidence":0.9219749,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.13639739155769348},{"word":"then","start":1123.505,"end":1123.745,"confidence":0.99970657,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.10634052753448486},{"word":"if","start":1123.745,"end":1123.905,"confidence":0.99104357,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11521509289741516},{"word":"there's","start":1123.905,"end":1124.145,"confidence":0.9996107,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.1041509136557579},{"word":"any","start":1124.145,"end":1124.465,"confidence":0.9986345,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.06779908388853073},{"word":"additional","start":1124.465,"end":1124.945,"confidence":0.99986064,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.11741307377815248},{"word":"adjustments","start":1124.945,"end":1125.425,"confidence":0.9771667,"punctuated_word":"adjustments","sentiment":"neutral","sentiment_score":-0.12109440565109252},{"word":"to","start":1125.425,"end":1125.665,"confidence":0.37918708,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17128638923168182},{"word":"tax","start":1125.665,"end":1125.905,"confidence":0.9920942,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.12668998539447784},{"word":"time","start":1125.905,"end":1126.225,"confidence":0.912869,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.14905887842178345},{"word":"then","start":1126.225,"end":1126.545,"confidence":0.9992091,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.06472903490066528},{"word":"that","start":1126.545,"end":1126.785,"confidence":0.99890935,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08538203686475754},{"word":"can","start":1126.785,"end":1127.025,"confidence":0.99993217,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.03689198195934296},{"word":"be","start":1127.025,"end":1127.1849,"confidence":0.9997285,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07805852591991425},{"word":"made","start":1127.1849,"end":1127.6849,"confidence":0.9248957,"punctuated_word":"made.","sentiment":"neutral","sentiment_score":-0.08710076659917831},{"word":"but","start":1128.065,"end":1128.225,"confidence":0.99141484,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.16313877701759338},{"word":"they","start":1128.225,"end":1128.385,"confidence":0.9940315,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2191580235958099},{"word":"normally","start":1128.385,"end":1128.785,"confidence":0.9984993,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":-0.1856360584497452},{"word":"hold","start":1128.785,"end":1129.105,"confidence":0.99919933,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.23924361169338224},{"word":"up","start":1129.105,"end":1129.1849,"confidence":0.72343713,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.25839072465896606},{"word":"with","start":1129.1849,"end":1129.425,"confidence":0.51471704,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2463628053665161},{"word":"the","start":1129.425,"end":1129.585,"confidence":0.57302713,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23938149213790896},{"word":"up","start":1129.665,"end":1129.825,"confidence":0.9978446,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.22880393266677856},{"word":"to","start":1129.825,"end":1129.985,"confidence":0.99895394,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.250030517578125},{"word":"22%","start":1129.985,"end":1130.865,"confidence":0.91003466,"punctuated_word":"22%,","sentiment":"neutral","sentiment_score":-0.16531206667423248},{"word":"so","start":1130.865,"end":1131.025,"confidence":0.9983923,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.19959113001823425},{"word":"they","start":1131.025,"end":1131.1849,"confidence":0.9993825,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.21847915649414065},{"word":"do","start":1131.1849,"end":1131.345,"confidence":0.9999075,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.2006884515285492},{"word":"hold","start":1131.345,"end":1131.585,"confidence":0.9994128,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.27146536111831665},{"word":"a","start":1131.585,"end":1131.665,"confidence":0.9948061,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.25012511014938354},{"word":"larger","start":1131.665,"end":1132.065,"confidence":0.9984944,"punctuated_word":"larger","sentiment":"neutral","sentiment_score":-0.2664615213871002},{"word":"amount","start":1132.065,"end":1132.3049,"confidence":0.9997439,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.3042006492614746},{"word":"of","start":1132.3049,"end":1132.545,"confidence":0.999574,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.30865752696990967},{"word":"tax","start":1132.545,"end":1132.92,"confidence":0.7670094,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.23966917395591736},{"word":"and","start":1133.64,"end":1133.88,"confidence":0.8913539,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0839833915233612},{"word":"you","start":1133.88,"end":1134.12,"confidence":0.99978036,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.018063977360725403},{"word":"still","start":1134.12,"end":1134.36,"confidence":0.9987301,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0041437894105911255},{"word":"get","start":1134.36,"end":1134.6001,"confidence":0.99618965,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.04967816174030304},{"word":"the","start":1134.6001,"end":1134.76,"confidence":0.9998859,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012721151113510132},{"word":"amount","start":1134.76,"end":1135.0801,"confidence":0.9998578,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.03072643280029297},{"word":"you","start":1135.0801,"end":1135.24,"confidence":0.9934064,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08245253562927246},{"word":"need","start":1135.24,"end":1135.64,"confidence":0.9747081,"punctuated_word":"need.","sentiment":"neutral","sentiment_score":-0.01460222154855728},{"word":"they","start":1135.64,"end":1135.88,"confidence":0.7052378,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.048210978507995605},{"word":"work","start":1135.88,"end":1136.12,"confidence":0.9977471,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.0632607489824295},{"word":"out","start":1136.12,"end":1136.36,"confidence":0.86503613,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.008108183741569519},{"word":"how","start":1136.36,"end":1136.52,"confidence":0.9993274,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.07620164752006531},{"word":"much","start":1136.52,"end":1136.76,"confidence":0.9998852,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.070519357919693},{"word":"you","start":1136.76,"end":1137.0,"confidence":0.9997702,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.035025760531425476},{"word":"need","start":1137.0,"end":1137.3201,"confidence":0.9017936,"punctuated_word":"need,","sentiment":"neutral","sentiment_score":-0.006509073078632355},{"word":"the","start":1137.3201,"end":1137.56,"confidence":0.9962541,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1033836156129837},{"word":"tax","start":1137.56,"end":1137.88,"confidence":0.9928531,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.03754502534866333},{"word":"on","start":1137.88,"end":1138.04,"confidence":0.9984162,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.004428967833518982},{"word":"top","start":1138.04,"end":1138.28,"confidence":0.99980587,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.02217688411474228},{"word":"of","start":1138.28,"end":1138.4401,"confidence":0.9992861,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0015462934970855713},{"word":"that","start":1138.4401,"end":1138.9401,"confidence":0.85393214,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.02569320797920227},{"word":"so","start":1139.24,"end":1139.4801,"confidence":0.58135545,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.03226703405380249},{"word":"you","start":1139.4801,"end":1139.64,"confidence":0.99825877,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02990034222602844},{"word":"can","start":1139.64,"end":1139.8,"confidence":0.99960846,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09142661094665527},{"word":"still","start":1139.8,"end":1140.12,"confidence":0.9992731,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.06638513505458832},{"word":"draw","start":1140.12,"end":1140.36,"confidence":0.9886652,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":-0.053502365946769714},{"word":"down","start":1140.36,"end":1140.6001,"confidence":0.9795772,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.03166384994983673},{"word":"the","start":1140.6001,"end":1140.76,"confidence":0.9993536,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014928951859474182},{"word":"amount","start":1140.76,"end":1141.0,"confidence":0.9998274,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.003984242677688599},{"word":"you","start":1141.0,"end":1141.24,"confidence":0.99838555,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02431687712669373},{"word":"need","start":1141.24,"end":1141.4,"confidence":0.99961144,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.04571022093296051},{"word":"to","start":1141.4,"end":1141.56,"confidence":0.9996953,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02761055529117584},{"word":"have","start":1141.56,"end":1141.7201,"confidence":0.9995127,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.017540007829666138},{"word":"the","start":1141.7201,"end":1141.8,"confidence":0.9901693,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007106989622116089},{"word":"work","start":1141.8,"end":1142.12,"confidence":0.9994647,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.007351338863372803},{"word":"done","start":1142.12,"end":1142.4401,"confidence":0.9998243,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":-0.05705209821462631},{"word":"does","start":1142.4401,"end":1142.68,"confidence":0.9986349,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.05804954469203949},{"word":"that","start":1142.68,"end":1142.8401,"confidence":0.9998659,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07329545170068741},{"word":"make","start":1142.8401,"end":1143.0801,"confidence":0.9899989,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05946851521730423},{"word":"sense","start":1143.0801,"end":1143.5801,"confidence":0.999858,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.009723514318466188},{"word":"yeah","start":1145.415,"end":1145.915,"confidence":0.9812317,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03671349585056305},{"word":"it's","start":1146.6151,"end":1146.775,"confidence":0.9894568,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.133014976978302},{"word":"a","start":1146.775,"end":1146.935,"confidence":0.99946195,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1114455983042717},{"word":"little","start":1146.935,"end":1147.175,"confidence":0.99970526,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.13615919649600983},{"word":"bit","start":1147.175,"end":1147.415,"confidence":0.9985474,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.22351932525634768},{"word":"confusing","start":1147.415,"end":1147.915,"confidence":0.8618132,"punctuated_word":"confusing.","sentiment":"neutral","sentiment_score":-0.28707969188690186},{"word":"but","start":1148.4551,"end":1148.775,"confidence":0.70849675,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.06475840508937836},{"word":"essentially","start":1148.775,"end":1149.175,"confidence":0.99975306,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.01255585253238678},{"word":"all","start":1149.175,"end":1149.3351,"confidence":0.9994747,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07924064993858337},{"word":"you","start":1149.3351,"end":1149.415,"confidence":0.9998198,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08655314147472382},{"word":"need","start":1149.415,"end":1149.655,"confidence":0.99980503,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.08492147922515869},{"word":"to","start":1149.655,"end":1149.7351,"confidence":0.9992873,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05442262440919876},{"word":"do","start":1149.7351,"end":1149.895,"confidence":0.9993432,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06046698987483978},{"word":"first","start":1149.895,"end":1150.2151,"confidence":0.9965037,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.03076756000518799},{"word":"is","start":1150.2151,"end":1150.375,"confidence":0.99703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09071292728185654},{"word":"go","start":1150.375,"end":1150.535,"confidence":0.9853468,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0923994481563568},{"word":"and","start":1150.535,"end":1150.6951,"confidence":0.914288,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07062748074531555},{"word":"see","start":1150.6951,"end":1150.8551,"confidence":0.9966182,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05696677416563034},{"word":"your","start":1150.8551,"end":1151.0951,"confidence":0.9978428,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06802283227443695},{"word":"dentist","start":1151.0951,"end":1151.5951,"confidence":0.9099765,"punctuated_word":"dentist,","sentiment":"neutral","sentiment_score":0.08183372020721436},{"word":"get","start":1151.7351,"end":1151.895,"confidence":0.97159684,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1231943666934967},{"word":"them","start":1151.895,"end":1152.135,"confidence":0.99974996,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.13817933201789856},{"word":"to","start":1152.135,"end":1152.295,"confidence":0.9985721,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14553037285804749},{"word":"do","start":1152.295,"end":1152.4551,"confidence":0.99142796,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21480831503868103},{"word":"you","start":1152.4551,"end":1152.535,"confidence":0.98677105,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2175116240978241},{"word":"up","start":1152.535,"end":1152.6951,"confidence":0.9281823,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2152508795261383},{"word":"a","start":1152.6951,"end":1152.8551,"confidence":0.9957087,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2016979157924652},{"word":"quote","start":1152.8551,"end":1153.255,"confidence":0.99802953,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.14453250169754028},{"word":"to","start":1153.255,"end":1153.415,"confidence":0.90481746,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22452904284000397},{"word":"show","start":1153.415,"end":1153.655,"confidence":0.9801585,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.1782236397266388},{"word":"how","start":1153.655,"end":1153.8151,"confidence":0.98152614,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.18570469319820404},{"word":"much","start":1153.8151,"end":1154.055,"confidence":0.9997483,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.17679470777511597},{"word":"it's","start":1154.055,"end":1154.2151,"confidence":0.9969715,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.21306630969047544},{"word":"gonna","start":1154.2151,"end":1154.535,"confidence":0.99870634,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.18167206645011905},{"word":"cost","start":1154.535,"end":1154.775,"confidence":0.9986008,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.19739104807376864},{"word":"to","start":1154.775,"end":1154.8551,"confidence":0.99954057,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15034106373786926},{"word":"get","start":1154.8551,"end":1155.0951,"confidence":0.99995124,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.13556206226348877},{"word":"the","start":1155.0951,"end":1155.255,"confidence":0.99941814,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16013532876968384},{"word":"work","start":1155.255,"end":1155.5751,"confidence":0.99229383,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.12292547523975372},{"word":"done","start":1155.5751,"end":1156.0751,"confidence":0.8804401,"punctuated_word":"done,","sentiment":"neutral","sentiment_score":0.1392752230167389},{"word":"and","start":1156.135,"end":1156.295,"confidence":0.99957806,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14892837405204773},{"word":"then","start":1156.295,"end":1156.535,"confidence":0.9998054,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1248113289475441},{"word":"go","start":1156.535,"end":1156.6951,"confidence":0.9971992,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.13216856122016907},{"word":"into","start":1156.6951,"end":1157.015,"confidence":0.98919964,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.17454375326633453},{"word":"your","start":1157.015,"end":1157.175,"confidence":0.65354776,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1722741574048996},{"word":"mygov","start":1157.175,"end":1157.655,"confidence":0.95670515,"punctuated_word":"myGov","sentiment":"neutral","sentiment_score":0.1057661473751068},{"word":"account","start":1157.655,"end":1157.9751,"confidence":0.7848714,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.10513818264007568},{"word":"and","start":1157.9751,"end":1158.135,"confidence":0.9997205,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1534448266029358},{"word":"you'll","start":1158.135,"end":1158.375,"confidence":0.9864982,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.1589494347572327},{"word":"apply","start":1158.375,"end":1158.6951,"confidence":0.99976236,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.12633037567138672},{"word":"for","start":1158.6951,"end":1158.935,"confidence":0.99871194,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15363313257694244},{"word":"compassionate","start":1158.935,"end":1159.435,"confidence":0.90699655,"punctuated_word":"Compassionate","sentiment":"neutral","sentiment_score":0.19667017459869385},{"word":"grounds","start":1159.56,"end":1159.88,"confidence":0.48380357,"punctuated_word":"Grounds","sentiment":"neutral","sentiment_score":0.25962385535240173},{"word":"through","start":1159.88,"end":1160.04,"confidence":0.9910616,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1672401875257492},{"word":"your","start":1160.04,"end":1160.4401,"confidence":0.99435633,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.245968759059906},{"word":"mygov","start":1160.4401,"end":1160.76,"confidence":0.99813306,"punctuated_word":"myGov","sentiment":"neutral","sentiment_score":0.1276531219482422},{"word":"account","start":1160.76,"end":1161.26,"confidence":0.98735017,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.12231062352657318},{"word":"and","start":1161.4801,"end":1161.64,"confidence":0.9995012,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11310748010873796},{"word":"then","start":1161.64,"end":1161.9601,"confidence":0.9999156,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09196960926055908},{"word":"from","start":1161.9601,"end":1162.2001,"confidence":0.98157674,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.06504503637552261},{"word":"there","start":1162.2001,"end":1162.52,"confidence":0.98882055,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.08441365510225296},{"word":"the","start":1162.52,"end":1162.68,"confidence":0.9979838,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15392544865608215},{"word":"aco","start":1162.68,"end":1163.16,"confidence":0.94385517,"punctuated_word":"ACO","sentiment":"neutral","sentiment_score":0.07849057018756866},{"word":"will","start":1163.16,"end":1163.4801,"confidence":0.9996284,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07876807451248169},{"word":"assess","start":1163.4801,"end":1163.8,"confidence":0.9937225,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":0.10750623047351836},{"word":"it","start":1163.8,"end":1163.9601,"confidence":0.9970488,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1705775260925293},{"word":"for","start":1163.9601,"end":1164.2001,"confidence":0.9998331,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1596491038799286},{"word":"you","start":1164.2001,"end":1164.68,"confidence":0.9631046,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.050057679414749146},{"word":"they'll","start":1164.68,"end":1165.0,"confidence":0.99564314,"punctuated_word":"They'll","sentiment":"neutral","sentiment_score":0.17655152082443237},{"word":"let","start":1165.0,"end":1165.16,"confidence":0.9982755,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.20756959915161133},{"word":"the","start":1165.16,"end":1165.3201,"confidence":0.99808085,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2220149040222168},{"word":"superfund","start":1165.3201,"end":1165.8201,"confidence":0.68439853,"punctuated_word":"Superfund","sentiment":"neutral","sentiment_score":0.2022908180952072},{"word":"know","start":1165.88,"end":1166.04,"confidence":0.9991999,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.16971823573112488},{"word":"when","start":1166.04,"end":1166.3601,"confidence":0.99968207,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1494007706642151},{"word":"they","start":1166.3601,"end":1166.52,"confidence":0.9996158,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.16770541667938232},{"word":"approve","start":1166.52,"end":1166.8401,"confidence":0.9967104,"punctuated_word":"approve","sentiment":"neutral","sentiment_score":0.18786250054836273},{"word":"it","start":1166.8401,"end":1167.3201,"confidence":0.9504911,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.190153568983078},{"word":"and","start":1167.4,"end":1167.64,"confidence":0.99986255,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16753630340099335},{"word":"the","start":1167.64,"end":1167.8,"confidence":0.9980426,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19659171998500824},{"word":"superfund","start":1167.8,"end":1168.3,"confidence":0.99618256,"punctuated_word":"Superfund","sentiment":"neutral","sentiment_score":0.21487721800804135},{"word":"will","start":1168.3601,"end":1168.52,"confidence":0.99918085,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.18329977989196777},{"word":"contact","start":1168.52,"end":1169.0,"confidence":0.9997615,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":0.17119881510734558},{"word":"us","start":1169.0,"end":1169.2401,"confidence":0.99981266,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.1710987091064453},{"word":"because","start":1169.2401,"end":1169.56,"confidence":0.95483744,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.18333137035369873},{"word":"we","start":1169.56,"end":1169.7201,"confidence":0.99973196,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19991394877433777},{"word":"look","start":1169.7201,"end":1169.9601,"confidence":0.94932854,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2227957993745804},{"word":"after","start":1169.9601,"end":1170.3601,"confidence":0.99885285,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.2402671724557877},{"word":"it","start":1170.3601,"end":1170.4401,"confidence":0.98407793,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.27864402532577515},{"word":"for","start":1170.4401,"end":1170.68,"confidence":0.99989057,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23137976229190824},{"word":"you","start":1170.68,"end":1171.18,"confidence":0.9557564,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.20998156070709229},{"word":"and","start":1171.64,"end":1171.88,"confidence":0.99951243,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19387049973011017},{"word":"we'll","start":1171.88,"end":1172.1201,"confidence":0.9932875,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.23387590050697327},{"word":"help","start":1172.1201,"end":1172.3601,"confidence":0.9999201,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.26138949394226074},{"word":"you","start":1172.3601,"end":1172.52,"confidence":0.9997223,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.237225741147995},{"word":"with","start":1172.52,"end":1172.68,"confidence":0.99978095,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.27511581778526306},{"word":"the","start":1172.68,"end":1172.8401,"confidence":0.99924976,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16551752388477323},{"word":"withdrawal","start":1172.8401,"end":1173.3401,"confidence":0.9817794,"punctuated_word":"withdrawal.","sentiment":"neutral","sentiment_score":0.17345401644706726},{"word":"okay","start":1173.7201,"end":1174.2201,"confidence":0.99719906,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.12681300938129425},{"word":"yeah","start":1175.2251,"end":1175.7251,"confidence":0.9841268,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23731234669685364},{"word":"oh","start":1178.185,"end":1178.425,"confidence":0.86719024,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.3728509843349457},{"word":"good","start":1178.425,"end":1178.905,"confidence":0.99323153,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4431104063987732},{"word":"did","start":1178.905,"end":1179.2251,"confidence":0.9988294,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.20200054347515103},{"word":"you","start":1179.2251,"end":1179.385,"confidence":0.9997259,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1876583993434906},{"word":"have","start":1179.385,"end":1179.625,"confidence":0.9998324,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1791483759880066},{"word":"any","start":1179.625,"end":1179.865,"confidence":0.99975485,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.14195045828819275},{"word":"other","start":1179.865,"end":1180.105,"confidence":0.99943787,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.13533839583396912},{"word":"questions","start":1180.105,"end":1180.505,"confidence":0.9993067,"punctuated_word":"questions?","sentiment":"neutral","sentiment_score":0.13578307628631592},{"word":"i","start":1180.505,"end":1180.665,"confidence":0.99924254,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04092508554458618},{"word":"know","start":1180.665,"end":1180.8251,"confidence":0.99987006,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.01501341164112091},{"word":"it's","start":1180.8251,"end":1181.145,"confidence":0.99466485,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0024252310395240784},{"word":"a","start":1181.145,"end":1181.2251,"confidence":0.9993926,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05017545819282532},{"word":"lot","start":1181.2251,"end":1181.4651,"confidence":0.99933404,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.070492684841156},{"word":"to","start":1181.4651,"end":1181.625,"confidence":0.99800795,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05657113343477249},{"word":"kinda","start":1181.625,"end":1181.865,"confidence":0.96689165,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.04698798805475235},{"word":"go","start":1181.865,"end":1182.105,"confidence":0.9978167,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.06511127203702927},{"word":"through","start":1182.105,"end":1182.505,"confidence":0.99952245,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.05104845762252808},{"word":"when","start":1182.505,"end":1182.665,"confidence":0.99948907,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.060101643204689026},{"word":"you're","start":1182.665,"end":1182.8251,"confidence":0.99995565,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.03733517974615097},{"word":"not","start":1182.8251,"end":1183.0651,"confidence":0.9997346,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.019809074699878693},{"word":"looking","start":1183.0651,"end":1183.305,"confidence":0.99982446,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.05018260329961777},{"word":"at","start":1183.305,"end":1183.4651,"confidence":0.99936825,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07886709272861481},{"word":"the","start":1183.4651,"end":1183.625,"confidence":0.9998579,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.016174741089344025},{"word":"advice","start":1183.625,"end":1184.025,"confidence":0.889768,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.029765255749225616},{"word":"document","start":1184.025,"end":1184.525,"confidence":0.8917423,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":-0.033263128250837326},{"word":"but","start":1185.0651,"end":1185.2251,"confidence":0.99704677,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.030541330575942993},{"word":"when","start":1185.2251,"end":1185.385,"confidence":0.99961025,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.10226312279701232},{"word":"you've","start":1185.385,"end":1185.625,"confidence":0.9933878,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1065392717719078},{"word":"got","start":1185.625,"end":1185.785,"confidence":0.9998784,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08256258070468903},{"word":"some","start":1185.785,"end":1185.9451,"confidence":0.99834645,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08076080679893494},{"word":"time","start":1185.9451,"end":1186.185,"confidence":0.9944079,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.1347043216228485},{"word":"if","start":1186.185,"end":1186.3451,"confidence":0.99482995,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2518772482872009},{"word":"you","start":1186.3451,"end":1186.425,"confidence":0.9997464,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19597876071929932},{"word":"can","start":1186.425,"end":1186.665,"confidence":0.66564006,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1796882450580597},{"word":"open","start":1186.665,"end":1186.905,"confidence":0.99809784,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.2328483015298843},{"word":"up","start":1186.905,"end":1187.0651,"confidence":0.99808335,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2531149685382843},{"word":"your","start":1187.0651,"end":1187.2251,"confidence":0.8911291,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.26860377192497253},{"word":"email","start":1187.2251,"end":1187.64,"confidence":0.9848329,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.25349539518356323},{"word":"sit","start":1187.72,"end":1187.8,"confidence":0.9943394,"punctuated_word":"sit","sentiment":"positive","sentiment_score":0.3799051642417908},{"word":"down","start":1187.8,"end":1188.04,"confidence":0.9275265,"punctuated_word":"down,","sentiment":"positive","sentiment_score":0.3390010893344879},{"word":"have","start":1188.04,"end":1188.12,"confidence":0.9025167,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3274489939212799},{"word":"a","start":1188.12,"end":1188.28,"confidence":0.99976677,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4057188034057617},{"word":"really","start":1188.28,"end":1188.52,"confidence":0.9998282,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.39683234691619873},{"word":"good","start":1188.52,"end":1188.68,"confidence":0.9987238,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3788654506206513},{"word":"look","start":1188.68,"end":1188.84,"confidence":0.998928,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.3706994950771332},{"word":"at","start":1188.84,"end":1188.92,"confidence":0.98537123,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4208286106586456},{"word":"that","start":1188.92,"end":1189.08,"confidence":0.9998011,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5012285113334656},{"word":"one","start":1189.08,"end":1189.24,"confidence":0.9997944,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.4224909842014313},{"word":"for","start":1189.24,"end":1189.4,"confidence":0.9992692,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.37391141057014465},{"word":"me","start":1189.4,"end":1189.64,"confidence":0.8956238,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.3170420527458191},{"word":"let","start":1189.64,"end":1189.8,"confidence":0.9877132,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.204192653298378},{"word":"me","start":1189.8,"end":1189.88,"confidence":0.9997558,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2472483068704605},{"word":"know","start":1189.88,"end":1190.12,"confidence":0.99425215,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2990916669368744},{"word":"if","start":1190.12,"end":1190.2001,"confidence":0.99562895,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.30547189712524414},{"word":"there","start":1190.2001,"end":1190.36,"confidence":0.98320144,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.28268876671791077},{"word":"is","start":1190.36,"end":1190.52,"confidence":0.99339515,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.29636842012405396},{"word":"any","start":1190.52,"end":1190.76,"confidence":0.99899644,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.23284797370433807},{"word":"questions","start":1190.76,"end":1191.24,"confidence":0.99688053,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.2022182196378708},{"word":"in","start":1191.24,"end":1191.4,"confidence":0.9997968,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1609025001525879},{"word":"relation","start":1191.4,"end":1191.8,"confidence":0.9976936,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":0.1804434061050415},{"word":"to","start":1191.8,"end":1191.96,"confidence":0.9996669,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25649458169937134},{"word":"any","start":1191.96,"end":1192.2001,"confidence":0.99992394,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.3333083987236023},{"word":"of","start":1192.2001,"end":1192.36,"confidence":0.9989735,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2832624614238739},{"word":"it","start":1192.36,"end":1192.68,"confidence":0.7672551,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.27525216341018677},{"word":"and","start":1193.0,"end":1193.16,"confidence":0.9993198,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29022088646888733},{"word":"if","start":1193.16,"end":1193.24,"confidence":0.99942786,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.36635687947273254},{"word":"you're","start":1193.24,"end":1193.48,"confidence":0.99612457,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3146030306816101},{"word":"just","start":1193.48,"end":1193.64,"confidence":0.99948347,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.30043911933898926},{"word":"happy","start":1193.64,"end":1193.88,"confidence":0.9997931,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.3061680197715759},{"word":"to","start":1193.88,"end":1194.04,"confidence":0.9988053,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3715346753597259},{"word":"go","start":1194.04,"end":1194.2001,"confidence":0.99981433,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3385474681854248},{"word":"ahead","start":1194.2001,"end":1194.52,"confidence":0.99940944,"punctuated_word":"ahead","sentiment":"positive","sentiment_score":0.3413478434085846},{"word":"and","start":1194.52,"end":1194.68,"confidence":0.99862695,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3278943598270416},{"word":"make","start":1194.68,"end":1194.92,"confidence":0.9997212,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2960771322250366},{"word":"those","start":1194.92,"end":1195.16,"confidence":0.9998715,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.3514188826084137},{"word":"changes","start":1195.16,"end":1195.56,"confidence":0.9009801,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.2701442241668701},{"word":"i'll","start":1195.56,"end":1195.8,"confidence":0.9991852,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2547161877155304},{"word":"just","start":1195.8,"end":1195.96,"confidence":0.9998319,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2580702006816864},{"word":"get","start":1195.96,"end":1196.2001,"confidence":0.9996176,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.27368393540382385},{"word":"you","start":1196.2001,"end":1196.36,"confidence":0.9992299,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22553707659244537},{"word":"to","start":1196.36,"end":1196.84,"confidence":0.9183889,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.23882222175598145},{"word":"sign","start":1197.8,"end":1197.96,"confidence":0.9635704,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.19674235582351685},{"word":"it","start":1197.96,"end":1198.12,"confidence":0.96315897,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2609005868434906},{"word":"and","start":1198.12,"end":1198.28,"confidence":0.98508596,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2058950960636139},{"word":"send","start":1198.28,"end":1198.4401,"confidence":0.9997069,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.25113725662231445},{"word":"it","start":1198.4401,"end":1198.6,"confidence":0.909314,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2484424114227295},{"word":"back","start":1198.6,"end":1198.76,"confidence":0.99988616,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.25075796246528625},{"word":"to","start":1198.76,"end":1198.92,"confidence":0.99900764,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1922084242105484},{"word":"me","start":1198.92,"end":1199.42,"confidence":0.9989693,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.19367046654224396},{"word":"okay","start":1199.48,"end":1199.98,"confidence":0.8810656,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.15269115567207336},{"word":"easy","start":1201.875,"end":1202.2749,"confidence":0.9100183,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.1874217987060547},{"word":"do","start":1202.2749,"end":1202.4349,"confidence":0.99882287,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.04601483792066574},{"word":"you","start":1202.4349,"end":1202.5149,"confidence":0.99957114,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04483082517981529},{"word":"have","start":1202.5149,"end":1202.6749,"confidence":0.9997193,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05613052099943161},{"word":"any","start":1202.6749,"end":1202.835,"confidence":0.9994272,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06064005568623543},{"word":"questions","start":1202.835,"end":1203.235,"confidence":0.9995247,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.06016791611909866},{"word":"at","start":1203.235,"end":1203.315,"confidence":0.99663216,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02847498282790184},{"word":"the","start":1203.315,"end":1203.3949,"confidence":0.99849963,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.032433584332466125},{"word":"moment","start":1203.3949,"end":1203.7949,"confidence":0.99984074,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.06276996433734894},{"word":"at","start":1203.7949,"end":1203.875,"confidence":0.98686165,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06050700321793556},{"word":"all","start":1203.875,"end":1204.115,"confidence":0.9989346,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.08061978220939636},{"word":"jesse","start":1204.115,"end":1204.615,"confidence":0.7635652,"punctuated_word":"Jesse?","sentiment":"neutral","sentiment_score":0.03830181807279587},{"word":"for","start":1212.45,"end":1212.61,"confidence":0.78119385,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.00728980265557766},{"word":"power","start":1212.61,"end":1212.73,"confidence":0.85287124,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.014960478991270064},{"word":"of","start":1212.73,"end":1212.85,"confidence":0.9649558,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0014391150325536728},{"word":"attorney","start":1212.85,"end":1213.35,"confidence":0.8967583,"punctuated_word":"attorney?","sentiment":"neutral","sentiment_score":0.001027839258313179},{"word":"yeah","start":1213.4099,"end":1213.8099,"confidence":0.99301744,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04337087273597717},{"word":"really","start":1213.8099,"end":1214.0499,"confidence":0.9779644,"punctuated_word":"Really","sentiment":"neutral","sentiment_score":0.18371230363845825},{"word":"good","start":1214.0499,"end":1214.21,"confidence":0.9990644,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.20579397678375244},{"word":"question","start":1214.21,"end":1214.71,"confidence":0.99939024,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":0.2118706107139587},{"word":"we","start":1214.77,"end":1215.01,"confidence":0.9936911,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1317111849784851},{"word":"do","start":1215.01,"end":1215.1699,"confidence":0.997673,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16193348169326782},{"word":"have","start":1215.1699,"end":1215.4099,"confidence":0.99831295,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14701737463474274},{"word":"some","start":1215.4099,"end":1215.6499,"confidence":0.99984133,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11710625886917114},{"word":"information","start":1215.6499,"end":1216.13,"confidence":0.999813,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.08385777473449707},{"word":"on","start":1216.13,"end":1216.2899,"confidence":0.99983597,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08813788741827011},{"word":"a","start":1216.2899,"end":1216.37,"confidence":0.962932,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11378726363182068},{"word":"local","start":1216.37,"end":1216.69,"confidence":0.999788,"punctuated_word":"local","sentiment":"neutral","sentiment_score":0.0855441763997078},{"word":"solicitor","start":1216.69,"end":1217.19,"confidence":0.8952379,"punctuated_word":"solicitor,","sentiment":"neutral","sentiment_score":0.12055747210979462},{"word":"so","start":1217.33,"end":1217.6499,"confidence":0.9913163,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.16230399906635284},{"word":"cjm","start":1217.6499,"end":1218.1499,"confidence":0.90248185,"punctuated_word":"CJM.","sentiment":"neutral","sentiment_score":0.13416460156440735},{"word":"if","start":1218.85,"end":1219.09,"confidence":0.7288511,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.14695659279823303},{"word":"you","start":1219.09,"end":1219.25,"confidence":0.9998994,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07217808067798615},{"word":"like","start":1219.25,"end":1219.49,"confidence":0.98732036,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10739940404891968},{"word":"i","start":1219.49,"end":1219.6499,"confidence":0.9998752,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1461385041475296},{"word":"can","start":1219.6499,"end":1219.8099,"confidence":0.99984133,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13788992166519165},{"word":"send","start":1219.8099,"end":1220.0499,"confidence":0.99970657,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1244458109140396},{"word":"that","start":1220.0499,"end":1220.2899,"confidence":0.6890543,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15225781500339508},{"word":"email","start":1220.2899,"end":1220.69,"confidence":0.9993542,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.17489434778690338},{"word":"to","start":1220.69,"end":1220.85,"confidence":0.99904865,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14174866676330566},{"word":"you","start":1220.85,"end":1221.25,"confidence":0.99980134,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14546026289463043},{"word":"after","start":1221.25,"end":1221.6499,"confidence":0.9997918,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.13598249852657318},{"word":"the","start":1221.6499,"end":1221.8099,"confidence":0.999703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14171531796455383},{"word":"call","start":1221.8099,"end":1222.3099,"confidence":0.996932,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.11315467208623886},{"word":"it's","start":1222.85,"end":1223.01,"confidence":0.7784394,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.067302405834198},{"word":"just","start":1223.01,"end":1223.33,"confidence":0.9958241,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06154228001832962},{"word":"it's","start":1223.6499,"end":1223.97,"confidence":0.9959059,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06654539704322815},{"word":"not","start":1223.97,"end":1224.13,"confidence":0.9977729,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.03999970853328705},{"word":"really","start":1224.13,"end":1224.2899,"confidence":0.9994081,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.049643874168396},{"word":"an","start":1224.2899,"end":1224.45,"confidence":0.9866062,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.04291573166847229},{"word":"introduction","start":1224.45,"end":1224.9299,"confidence":0.9673055,"punctuated_word":"introduction.","sentiment":"neutral","sentiment_score":-0.013890959322452543},{"word":"it's","start":1224.9299,"end":1225.09,"confidence":0.9995905,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.01944718509912491},{"word":"more","start":1225.09,"end":1225.33,"confidence":0.9989698,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.020203597843647003},{"word":"just","start":1225.33,"end":1225.57,"confidence":0.97424704,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06074140965938568},{"word":"giving","start":1225.57,"end":1225.8099,"confidence":0.99962795,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.05725226178765297},{"word":"you","start":1225.8099,"end":1225.97,"confidence":0.9995321,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07909667491912842},{"word":"their","start":1225.97,"end":1226.21,"confidence":0.8478377,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.08140955120325089},{"word":"information","start":1226.21,"end":1226.71,"confidence":0.9995762,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":0.06603463739156723},{"word":"i","start":1226.77,"end":1226.85,"confidence":0.9996648,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08594605326652527},{"word":"can","start":1226.85,"end":1227.09,"confidence":0.9997603,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09668973833322524},{"word":"send","start":1227.09,"end":1227.33,"confidence":0.99928635,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.10116831958293916},{"word":"the","start":1227.33,"end":1227.465,"confidence":0.72401744,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10172028839588164},{"word":"costing","start":1227.625,"end":1227.945,"confidence":0.9949234,"punctuated_word":"costing","sentiment":"neutral","sentiment_score":0.07960180938243866},{"word":"through","start":1227.945,"end":1228.265,"confidence":0.99038714,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04600260779261589},{"word":"what","start":1228.265,"end":1228.4249,"confidence":0.54603654,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08452123403549194},{"word":"it","start":1228.4249,"end":1228.585,"confidence":0.98211145,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0758126825094223},{"word":"cost","start":1228.585,"end":1228.825,"confidence":0.5714418,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.061739154160022736},{"word":"to","start":1228.825,"end":1228.985,"confidence":0.99081844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0741008073091507},{"word":"do","start":1228.985,"end":1229.065,"confidence":0.99113727,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06074915826320648},{"word":"up","start":1229.065,"end":1229.225,"confidence":0.8939641,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0791030302643776},{"word":"a","start":1229.225,"end":1229.3049,"confidence":0.8917115,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09859599173069},{"word":"will","start":1229.3049,"end":1229.5449,"confidence":0.9926682,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.11726007610559464},{"word":"and","start":1229.5449,"end":1229.625,"confidence":0.95697486,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10562054812908173},{"word":"power","start":1229.625,"end":1229.865,"confidence":0.98711,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.12203925848007202},{"word":"of","start":1229.865,"end":1230.025,"confidence":0.9890631,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11738479882478714},{"word":"attorney","start":1230.025,"end":1230.4249,"confidence":0.8800016,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.06371106952428818},{"word":"so","start":1230.4249,"end":1230.585,"confidence":0.78809446,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12127794325351716},{"word":"you","start":1230.585,"end":1230.745,"confidence":0.9975127,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11379612982273102},{"word":"can","start":1230.745,"end":1230.9049,"confidence":0.9994875,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11454584449529648},{"word":"kinda","start":1230.9049,"end":1231.3049,"confidence":0.98242444,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.10877835750579834},{"word":"have","start":1231.3049,"end":1231.465,"confidence":0.9996024,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0920674279332161},{"word":"a","start":1231.465,"end":1231.5449,"confidence":0.9990833,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1179790273308754},{"word":"look","start":1231.5449,"end":1231.7849,"confidence":0.99993753,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09418100118637084},{"word":"at","start":1231.7849,"end":1231.865,"confidence":0.9993305,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1010841578245163},{"word":"that","start":1231.865,"end":1232.1849,"confidence":0.9984699,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07203757762908936},{"word":"would","start":1232.1849,"end":1232.345,"confidence":0.9992157,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.0760597288608551},{"word":"that","start":1232.345,"end":1232.505,"confidence":0.99986994,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1123763769865036},{"word":"be","start":1232.505,"end":1232.745,"confidence":0.99956757,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04339607432484627},{"word":"okay","start":1232.745,"end":1233.245,"confidence":0.9994457,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.03130132704973221},{"word":"hi","start":1248.12,"end":1248.6,"confidence":0.97296757,"punctuated_word":"Hi.","sentiment":"neutral","sentiment_score":0.1375979781150818},{"word":"good","start":1248.6,"end":1248.84,"confidence":0.98440695,"punctuated_word":"Good.","sentiment":"neutral","sentiment_score":0.2660144567489624},{"word":"thanks","start":1248.84,"end":1249.16,"confidence":0.99657696,"punctuated_word":"Thanks.","sentiment":"neutral","sentiment_score":0.30841362476348877},{"word":"how","start":1249.16,"end":1249.4,"confidence":0.9919721,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.20471540093421936},{"word":"are","start":1249.4,"end":1249.48,"confidence":0.99161166,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18842220306396484},{"word":"you","start":1249.48,"end":1249.98,"confidence":0.9614638,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.22295686602592468},{"word":"yeah","start":1256.295,"end":1256.795,"confidence":0.98599255,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.011714152060449123},{"word":"okay","start":1258.695,"end":1259.195,"confidence":0.9976666,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.01891295425593853},{"word":"yeah","start":1264.55,"end":1265.05,"confidence":0.8632047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01334833074361086},{"word":"yes","start":1269.03,"end":1269.53,"confidence":0.97053,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.026075277477502823},{"word":"yeah","start":1274.0701,"end":1274.5701,"confidence":0.99586076,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.008493887260556221},{"word":"absolutely","start":1275.03,"end":1275.53,"confidence":0.99276984,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.007888955995440483},{"word":"yes","start":1280.4149,"end":1280.895,"confidence":0.7593248,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.01993081532418728},{"word":"so","start":1280.895,"end":1281.135,"confidence":0.836156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11427146941423416},{"word":"sorry","start":1281.135,"end":1281.375,"confidence":0.7999879,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.14274387061595917},{"word":"i","start":1281.375,"end":1281.455,"confidence":0.9720695,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19721780717372897},{"word":"the","start":1281.695,"end":1281.855,"confidence":0.40113366,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2068977057933807},{"word":"phone","start":1281.855,"end":1282.1749,"confidence":0.9586239,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.17138554155826569},{"word":"cut","start":1282.1749,"end":1282.335,"confidence":0.9920157,"punctuated_word":"cut","sentiment":"neutral","sentiment_score":-0.2059216946363449},{"word":"out","start":1282.335,"end":1282.495,"confidence":0.9862213,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1601954996585846},{"word":"a","start":1282.495,"end":1282.6549,"confidence":0.9988906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15998078882694244},{"word":"little","start":1282.6549,"end":1282.895,"confidence":0.9998604,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.12161168456077576},{"word":"bit","start":1282.895,"end":1283.215,"confidence":0.9918132,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.1367153823375702},{"word":"we're","start":1283.215,"end":1283.455,"confidence":0.74498045,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.08170689642429352},{"word":"about","start":1283.455,"end":1283.695,"confidence":0.9964122,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.07569991797208786},{"word":"to","start":1283.695,"end":1283.7749,"confidence":0.32076544,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03510845825076103},{"word":"be","start":1283.7749,"end":1283.855,"confidence":0.33568332,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.02154409885406494},{"word":"doing","start":1283.855,"end":1284.095,"confidence":0.9980811,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.033685341477394104},{"word":"the","start":1284.095,"end":1284.335,"confidence":0.9940112,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02628859132528305},{"word":"free","start":1284.335,"end":1284.575,"confidence":0.8753587,"punctuated_word":"free","sentiment":"neutral","sentiment_score":-0.04912249743938446},{"word":"will","start":1284.575,"end":1284.895,"confidence":0.773211,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.08001923561096191},{"word":"through","start":1284.895,"end":1285.395,"confidence":0.82449013,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.04132867604494095},{"word":"yeah","start":1287.9349,"end":1288.35,"confidence":0.993464,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02431914769113064},{"word":"that's","start":1289.47,"end":1289.7899,"confidence":0.9964204,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07915707677602768},{"word":"okay","start":1289.7899,"end":1290.2899,"confidence":0.9992887,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.11017505824565887},{"word":"safe","start":1291.3099,"end":1291.5499,"confidence":0.84541017,"punctuated_word":"Safe","sentiment":"neutral","sentiment_score":0.10539327561855316},{"word":"will","start":1291.5499,"end":1292.03,"confidence":0.95962137,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.12649309635162354},{"word":"okay","start":1292.03,"end":1292.53,"confidence":0.9993603,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05351965129375458},{"word":"that's","start":1296.27,"end":1296.59,"confidence":0.99446124,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.289401113986969},{"word":"okay","start":1296.59,"end":1296.99,"confidence":0.9993936,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.4171881079673767},{"word":"you've","start":1296.99,"end":1297.23,"confidence":0.997816,"punctuated_word":"You've","sentiment":"positive","sentiment_score":0.6370407342910767},{"word":"got","start":1297.23,"end":1297.47,"confidence":0.99594146,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.6233699321746826},{"word":"a","start":1297.47,"end":1297.5499,"confidence":0.9921525,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.655949592590332},{"word":"good","start":1297.5499,"end":1297.7899,"confidence":0.9988771,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6302741765975952},{"word":"missus","start":1297.7899,"end":1298.19,"confidence":0.84257025,"punctuated_word":"missus.","sentiment":"positive","sentiment_score":0.6491264700889587},{"word":"i'll","start":1298.19,"end":1298.35,"confidence":0.77881926,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2611440420150757},{"word":"tell","start":1298.35,"end":1298.51,"confidence":0.9983101,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.28970298171043396},{"word":"you","start":1298.51,"end":1298.6699,"confidence":0.9995123,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2238968163728714},{"word":"what","start":1298.6699,"end":1299.1699,"confidence":0.9785903,"punctuated_word":"what.","sentiment":"neutral","sentiment_score":0.2213164269924164},{"word":"as","start":1304.6849,"end":1304.845,"confidence":0.99058646,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.23156805336475372},{"word":"long","start":1304.845,"end":1305.005,"confidence":0.9982046,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2677857279777527},{"word":"as","start":1305.005,"end":1305.165,"confidence":0.9949988,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25268805027008057},{"word":"you","start":1305.165,"end":1305.245,"confidence":0.9599193,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2537749707698822},{"word":"can","start":1305.245,"end":1305.485,"confidence":0.997759,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2391995340585709},{"word":"catch","start":1305.485,"end":1305.725,"confidence":0.99964607,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.3070247769355774},{"word":"the","start":1305.725,"end":1305.885,"confidence":0.99588805,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24029387533664703},{"word":"fish","start":1305.885,"end":1306.125,"confidence":0.9940437,"punctuated_word":"fish,","sentiment":"neutral","sentiment_score":0.25573381781578064},{"word":"you'll","start":1306.125,"end":1306.365,"confidence":0.99920917,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.28761157393455505},{"word":"be","start":1306.365,"end":1306.525,"confidence":0.9999293,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2518101930618286},{"word":"right","start":1306.525,"end":1307.025,"confidence":0.9677801,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.22145740687847135},{"word":"yeah","start":1312.285,"end":1312.6849,"confidence":0.9955986,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19566871225833893},{"word":"that's","start":1312.6849,"end":1312.925,"confidence":0.9995255,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.24041271209716797},{"word":"okay","start":1312.925,"end":1313.325,"confidence":0.9989208,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.23680606484413147},{"word":"so","start":1313.325,"end":1313.485,"confidence":0.99947137,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15155774354934692},{"word":"i'm","start":1313.485,"end":1313.645,"confidence":0.9996375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.13598988950252533},{"word":"just","start":1313.645,"end":1313.885,"confidence":0.9999567,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11860282719135284},{"word":"having","start":1313.885,"end":1314.205,"confidence":0.99943537,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.11046817898750304},{"word":"a","start":1314.205,"end":1314.365,"confidence":0.9996699,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0989292860031128},{"word":"quick","start":1314.365,"end":1314.605,"confidence":0.99980205,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.1321999579668045},{"word":"look","start":1314.605,"end":1314.925,"confidence":0.9998745,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11168006807565688},{"word":"at","start":1314.925,"end":1315.085,"confidence":0.99930036,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1433905065059662},{"word":"them","start":1315.085,"end":1315.485,"confidence":0.99268955,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1415998488664627},{"word":"now","start":1315.485,"end":1315.985,"confidence":0.9996542,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.1526130437850952},{"word":"okay","start":1318.5399,"end":1318.86,"confidence":0.9871517,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07948794960975647},{"word":"yeah","start":1318.86,"end":1319.1,"confidence":0.7869826,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09049466252326964},{"word":"so","start":1319.1,"end":1319.34,"confidence":0.9846065,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.101456418633461},{"word":"safewell","start":1319.34,"end":1319.74,"confidence":0.68636787,"punctuated_word":"SafeWell","sentiment":"neutral","sentiment_score":0.19697055220603943},{"word":"is","start":1319.74,"end":1319.9,"confidence":0.5998696,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18569651246070865},{"word":"currently","start":1319.9,"end":1320.14,"confidence":0.9993624,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.12514106929302216},{"word":"offering","start":1320.14,"end":1320.5399,"confidence":0.9998764,"punctuated_word":"offering","sentiment":"neutral","sentiment_score":0.19383499026298523},{"word":"free","start":1320.5399,"end":1320.78,"confidence":0.88339615,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.23567214608192444},{"word":"wills","start":1320.78,"end":1321.02,"confidence":0.6572767,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":0.16070400178432465},{"word":"online","start":1321.02,"end":1321.4199,"confidence":0.99693805,"punctuated_word":"online.","sentiment":"neutral","sentiment_score":0.1389121413230896},{"word":"they're","start":1321.4199,"end":1321.6599,"confidence":0.98635435,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.1605025976896286},{"word":"usually","start":1321.6599,"end":1321.98,"confidence":0.9983948,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.14278601109981537},{"word":"about","start":1321.98,"end":1322.22,"confidence":0.9938344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14329871535301208},{"word":"a","start":1322.22,"end":1322.38,"confidence":0.9974354,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14706066250801086},{"word":"$160","start":1322.38,"end":1323.6799,"confidence":0.9982999,"punctuated_word":"$160.","sentiment":"neutral","sentiment_score":0.13860148191452026},{"word":"they","start":1324.0599,"end":1324.22,"confidence":0.90850174,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.07837001234292984},{"word":"did","start":1324.22,"end":1324.38,"confidence":0.76526666,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07570257782936096},{"word":"them","start":1324.38,"end":1324.5399,"confidence":0.94666845,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.09002473950386047},{"word":"in","start":1324.5399,"end":1324.7,"confidence":0.9971499,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10638304799795152},{"word":"australia","start":1324.7,"end":1325.1,"confidence":0.99598545,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.13727577030658722},{"word":"and","start":1325.1,"end":1325.34,"confidence":0.99640524,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10659944266080856},{"word":"new","start":1325.34,"end":1325.58,"confidence":0.9994654,"punctuated_word":"New","sentiment":"neutral","sentiment_score":0.11589546501636504},{"word":"zealand","start":1325.58,"end":1325.9,"confidence":0.99402106,"punctuated_word":"Zealand.","sentiment":"neutral","sentiment_score":0.13333559036254883},{"word":"it's","start":1325.9,"end":1326.0599,"confidence":0.99890363,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1644611954689026},{"word":"often","start":1326.0599,"end":1326.38,"confidence":0.99909663,"punctuated_word":"often","sentiment":"neutral","sentiment_score":0.1663023829460144},{"word":"in","start":1326.38,"end":1326.62,"confidence":0.99808013,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14780645072460177},{"word":"partnership","start":1326.62,"end":1327.1,"confidence":0.9994103,"punctuated_word":"partnership","sentiment":"neutral","sentiment_score":0.21425840258598328},{"word":"with","start":1327.1,"end":1327.34,"confidence":0.9998956,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20152339339256287},{"word":"certain","start":1327.34,"end":1327.6599,"confidence":0.99905175,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.135401651263237},{"word":"charities","start":1327.6599,"end":1328.1599,"confidence":0.9998087,"punctuated_word":"charities","sentiment":"neutral","sentiment_score":0.1842501163482666},{"word":"during","start":1328.2999,"end":1328.5399,"confidence":0.99898726,"punctuated_word":"during","sentiment":"neutral","sentiment_score":0.17812888324260712},{"word":"the","start":1328.5399,"end":1328.7,"confidence":0.7691411,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1810920238494873},{"word":"promotional","start":1328.7,"end":1329.2,"confidence":0.99972016,"punctuated_word":"promotional","sentiment":"neutral","sentiment_score":0.1623530387878418},{"word":"weeks","start":1329.4199,"end":1329.9199,"confidence":0.9894756,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":0.16099590063095093},{"word":"the","start":1331.295,"end":1331.795,"confidence":0.99018455,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.2068956196308136},{"word":"legal","start":1331.935,"end":1332.255,"confidence":0.9311845,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.1582239419221878},{"word":"solicitor","start":1332.255,"end":1332.755,"confidence":0.80225086,"punctuated_word":"solicitor","sentiment":"neutral","sentiment_score":0.1706274002790451},{"word":"reviewed","start":1332.8151,"end":1333.3151,"confidence":0.97420204,"punctuated_word":"reviewed","sentiment":"neutral","sentiment_score":0.16582874953746796},{"word":"wills","start":1333.4551,"end":1333.935,"confidence":0.73785454,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":0.20190685987472537},{"word":"can","start":1333.935,"end":1334.0951,"confidence":0.9995567,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2289903908967972},{"word":"be","start":1334.0951,"end":1334.255,"confidence":0.999742,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2263788878917694},{"word":"created","start":1334.255,"end":1334.7351,"confidence":0.99871695,"punctuated_word":"created","sentiment":"neutral","sentiment_score":0.17041994631290436},{"word":"under","start":1334.7351,"end":1335.055,"confidence":0.95362496,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.2534593641757965},{"word":"twenty","start":1335.055,"end":1335.375,"confidence":0.9995845,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.26823753118515015},{"word":"minutes","start":1335.375,"end":1335.875,"confidence":0.999622,"punctuated_word":"minutes","sentiment":"positive","sentiment_score":0.349830687046051},{"word":"and","start":1335.935,"end":1336.255,"confidence":0.69410264,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2644357681274414},{"word":"free","start":1336.255,"end":1336.5751,"confidence":0.9797499,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.2617325782775879},{"word":"updates","start":1336.5751,"end":1337.055,"confidence":0.9768257,"punctuated_word":"updates","sentiment":"neutral","sentiment_score":0.2113160341978073},{"word":"available","start":1337.055,"end":1337.555,"confidence":0.99879265,"punctuated_word":"available","sentiment":"neutral","sentiment_score":0.21155788004398343},{"word":"once","start":1337.6151,"end":1337.935,"confidence":0.9994191,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.2425897121429443},{"word":"a","start":1337.935,"end":1338.0951,"confidence":0.99943715,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2350890636444092},{"word":"year","start":1338.0951,"end":1338.5751,"confidence":0.91683537,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.21996507048606873},{"word":"so","start":1338.5751,"end":1339.0751,"confidence":0.9993358,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.40905413031578064},{"word":"it's","start":1339.2151,"end":1339.4551,"confidence":0.99815667,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4826449751853943},{"word":"honestly","start":1339.4551,"end":1339.9551,"confidence":0.98979235,"punctuated_word":"honestly","sentiment":"positive","sentiment_score":0.39277884364128113},{"word":"fine","start":1340.015,"end":1340.255,"confidence":0.99164975,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.4200924038887024},{"word":"it","start":1340.255,"end":1340.415,"confidence":0.99963355,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4016000032424927},{"word":"does","start":1340.415,"end":1340.7351,"confidence":0.9996631,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.37183600664138794},{"word":"look","start":1340.7351,"end":1340.895,"confidence":0.9965413,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.29343342781066895},{"word":"like","start":1340.895,"end":1341.135,"confidence":0.98054653,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3452293872833252},{"word":"they","start":1341.135,"end":1341.295,"confidence":0.9952325,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.27089664340019226},{"word":"do","start":1341.295,"end":1341.6151,"confidence":0.9995994,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.27482858300209045},{"word":"have","start":1341.6151,"end":1341.8551,"confidence":0.9997868,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.27823925018310547},{"word":"them","start":1341.8551,"end":1342.3551,"confidence":0.9989459,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.17834757268428802},{"word":"reviewed","start":1342.655,"end":1343.155,"confidence":0.97573155,"punctuated_word":"reviewed","sentiment":"neutral","sentiment_score":0.20930062234401703},{"word":"by","start":1343.6151,"end":1343.8551,"confidence":0.95965815,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.20066791772842407},{"word":"a","start":1343.8551,"end":1344.0951,"confidence":0.9966974,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1964501142501831},{"word":"solicitor","start":1344.0951,"end":1344.5951,"confidence":0.7498153,"punctuated_word":"solicitor.","sentiment":"neutral","sentiment_score":0.17155194282531738},{"word":"as","start":1345.4551,"end":1345.6151,"confidence":0.9700749,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.1768391877412796},{"word":"long","start":1345.6151,"end":1345.935,"confidence":0.99987435,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.31033971905708313},{"word":"as","start":1345.935,"end":1346.0951,"confidence":0.99945825,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3405943810939789},{"word":"the","start":1346.0951,"end":1346.255,"confidence":0.9989115,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3454839587211609},{"word":"directions","start":1346.255,"end":1346.755,"confidence":0.99650806,"punctuated_word":"directions","sentiment":"positive","sentiment_score":0.36900612711906433},{"word":"are","start":1346.8151,"end":1347.03,"confidence":0.94706804,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.32061663269996643},{"word":"followed","start":1347.11,"end":1347.61,"confidence":0.87225366,"punctuated_word":"followed,","sentiment":"neutral","sentiment_score":0.32978713512420654},{"word":"these","start":1347.91,"end":1348.15,"confidence":0.819824,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.4315380156040192},{"word":"are","start":1348.15,"end":1348.23,"confidence":0.7036109,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.39983201026916504},{"word":"the","start":1348.23,"end":1348.39,"confidence":0.8991122,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4506699740886688},{"word":"will","start":1348.39,"end":1348.55,"confidence":0.6540824,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4561652541160583},{"word":"kits","start":1348.55,"end":1348.71,"confidence":0.91835517,"punctuated_word":"kits","sentiment":"positive","sentiment_score":0.4341019093990326},{"word":"that","start":1348.71,"end":1348.87,"confidence":0.60225236,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5858451724052429},{"word":"are","start":1348.87,"end":1349.03,"confidence":0.8062447,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.6165237426757812},{"word":"absolutely","start":1349.03,"end":1349.35,"confidence":0.98972553,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.7412431240081787},{"word":"great","start":1349.35,"end":1349.5901,"confidence":0.9989957,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.7682355642318726},{"word":"to","start":1349.5901,"end":1349.67,"confidence":0.9876694,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6716371178627014},{"word":"do","start":1349.67,"end":1349.91,"confidence":0.98849785,"punctuated_word":"do.","sentiment":"positive","sentiment_score":0.5376534461975098},{"word":"they","start":1349.91,"end":1350.0701,"confidence":0.9971625,"punctuated_word":"They","sentiment":"positive","sentiment_score":0.47942298650741577},{"word":"can","start":1350.0701,"end":1350.23,"confidence":0.9998636,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.478302389383316},{"word":"be","start":1350.23,"end":1350.39,"confidence":0.9987658,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4939348101615906},{"word":"more","start":1350.39,"end":1350.63,"confidence":0.9996662,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4141784906387329},{"word":"cost","start":1350.63,"end":1350.87,"confidence":0.9992679,"punctuated_word":"cost","sentiment":"positive","sentiment_score":0.41947248578071594},{"word":"effective","start":1350.87,"end":1351.35,"confidence":0.99891007,"punctuated_word":"effective","sentiment":"positive","sentiment_score":0.38239720463752747},{"word":"than","start":1351.35,"end":1351.5901,"confidence":0.99707735,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.29349443316459656},{"word":"going","start":1351.5901,"end":1351.91,"confidence":0.9998468,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.30068641901016235},{"word":"and","start":1351.91,"end":1352.0701,"confidence":0.993995,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.235278844833374},{"word":"seeing","start":1352.0701,"end":1352.39,"confidence":0.9959431,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":0.1548302173614502},{"word":"a","start":1352.39,"end":1352.55,"confidence":0.9944078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17500841617584229},{"word":"solicitor","start":1352.55,"end":1353.05,"confidence":0.98046076,"punctuated_word":"solicitor.","sentiment":"neutral","sentiment_score":0.17481020092964172},{"word":"however","start":1353.8301,"end":1354.23,"confidence":0.9977748,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.018072841688990593},{"word":"they","start":1354.23,"end":1354.39,"confidence":0.9996866,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.0517662838101387},{"word":"can","start":1354.39,"end":1354.63,"confidence":0.9998667,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.029178455471992493},{"word":"also","start":1354.63,"end":1354.9501,"confidence":0.99911183,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.0030963867902755737},{"word":"be","start":1354.9501,"end":1355.03,"confidence":0.9996697,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.012615099549293518},{"word":"a","start":1355.03,"end":1355.1901,"confidence":0.9997459,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06501542031764984},{"word":"little","start":1355.1901,"end":1355.43,"confidence":0.9998653,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.09085886180400848},{"word":"bit","start":1355.43,"end":1355.51,"confidence":0.9488064,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.09719081223011015},{"word":"more","start":1355.51,"end":1355.75,"confidence":0.9996766,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.07219874858856201},{"word":"contestable","start":1355.75,"end":1356.25,"confidence":0.90413636,"punctuated_word":"contestable.","sentiment":"neutral","sentiment_score":-0.057080887258052826},{"word":"so","start":1356.39,"end":1356.55,"confidence":0.99934,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013690352439880373},{"word":"just","start":1356.55,"end":1356.79,"confidence":0.99586016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.017419688403606415},{"word":"making","start":1356.79,"end":1357.03,"confidence":0.99990237,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.01608959585428238},{"word":"sure","start":1357.03,"end":1357.1901,"confidence":0.9996246,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.019929755479097366},{"word":"that","start":1357.1901,"end":1357.35,"confidence":0.9998696,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.028346829116344452},{"word":"you","start":1357.35,"end":1357.51,"confidence":0.9999223,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05604876950383186},{"word":"are","start":1357.51,"end":1357.75,"confidence":0.99967074,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0435032956302166},{"word":"following","start":1357.75,"end":1358.25,"confidence":0.9999188,"punctuated_word":"following","sentiment":"neutral","sentiment_score":0.062319427728652954},{"word":"the","start":1358.55,"end":1358.79,"confidence":0.99950135,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06171446666121483},{"word":"instructions","start":1358.79,"end":1359.29,"confidence":0.9910336,"punctuated_word":"instructions","sentiment":"neutral","sentiment_score":0.09026305377483368},{"word":"that","start":1359.43,"end":1359.67,"confidence":0.63101417,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06812496483325958},{"word":"you","start":1359.67,"end":1359.8301,"confidence":0.9997702,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06840360164642334},{"word":"do","start":1359.8301,"end":1360.0701,"confidence":0.99960476,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0527668371796608},{"word":"have","start":1360.0701,"end":1360.31,"confidence":0.99954516,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07529294490814209},{"word":"them","start":1360.31,"end":1360.81,"confidence":0.9804647,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.03618416935205459},{"word":"you","start":1361.6449,"end":1361.8049,"confidence":0.99720395,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013710305094718931},{"word":"know","start":1361.8049,"end":1362.0449,"confidence":0.9996946,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0160119216889143},{"word":"signed","start":1362.0449,"end":1362.5249,"confidence":0.9989544,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.038000017404556274},{"word":"and","start":1362.5249,"end":1362.7649,"confidence":0.9724817,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.026950903236865997},{"word":"witnessed","start":1362.7649,"end":1363.2649,"confidence":0.99585104,"punctuated_word":"witnessed","sentiment":"neutral","sentiment_score":0.04277922958135605},{"word":"and","start":1364.125,"end":1364.445,"confidence":0.85309,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.039780549705028534},{"word":"lodged","start":1364.445,"end":1364.945,"confidence":0.99059993,"punctuated_word":"lodged","sentiment":"neutral","sentiment_score":0.04145102947950363},{"word":"correctly","start":1365.0049,"end":1365.5049,"confidence":0.9926892,"punctuated_word":"correctly,","sentiment":"neutral","sentiment_score":0.04117220640182495},{"word":"then","start":1365.965,"end":1366.205,"confidence":0.9991184,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.059115082025527954},{"word":"they","start":1366.205,"end":1366.365,"confidence":0.9993405,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07606631517410278},{"word":"can","start":1366.365,"end":1366.445,"confidence":0.99991345,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.28173649311065674},{"word":"be","start":1366.445,"end":1366.6849,"confidence":0.9983144,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3456961214542389},{"word":"absolutely","start":1366.6849,"end":1367.1849,"confidence":0.99838865,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.30869147181510925},{"word":"fine","start":1367.245,"end":1367.745,"confidence":0.99940497,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.31778377294540405},{"word":"i","start":1368.0449,"end":1368.205,"confidence":0.86771005,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.33606278896331787},{"word":"would","start":1368.205,"end":1368.445,"confidence":0.99968636,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.3296421468257904},{"word":"definitely","start":1368.445,"end":1368.7649,"confidence":0.9982533,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.31697818636894226},{"word":"suggest","start":1368.7649,"end":1369.245,"confidence":0.9988902,"punctuated_word":"suggest","sentiment":"neutral","sentiment_score":0.2370530515909195},{"word":"print","start":1369.245,"end":1369.485,"confidence":0.38259137,"punctuated_word":"print","sentiment":"neutral","sentiment_score":0.2132280319929123},{"word":"out","start":1369.485,"end":1369.6449,"confidence":0.9532485,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.22406046092510223},{"word":"a","start":1369.6449,"end":1369.725,"confidence":0.9930987,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23204338550567627},{"word":"copy","start":1369.725,"end":1370.0449,"confidence":0.89898616,"punctuated_word":"copy.","sentiment":"neutral","sentiment_score":0.2398594170808792},{"word":"once","start":1370.0449,"end":1370.2849,"confidence":0.99967635,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.1465507447719574},{"word":"it's","start":1370.2849,"end":1370.445,"confidence":0.99789107,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1525774896144867},{"word":"all","start":1370.445,"end":1370.605,"confidence":0.99742174,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.13381056487560272},{"word":"been","start":1370.605,"end":1370.845,"confidence":0.82437676,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.15403808653354645},{"word":"lodged","start":1370.845,"end":1371.1649,"confidence":0.99779284,"punctuated_word":"lodged","sentiment":"neutral","sentiment_score":0.14525511860847473},{"word":"and","start":1371.1649,"end":1371.325,"confidence":0.97438264,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14631161093711853},{"word":"signed","start":1371.325,"end":1371.6449,"confidence":0.99960417,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.12665221095085144},{"word":"and","start":1371.6449,"end":1371.8049,"confidence":0.9939441,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16190223395824432},{"word":"witnessed","start":1371.8049,"end":1372.2849,"confidence":0.98804927,"punctuated_word":"witnessed,","sentiment":"neutral","sentiment_score":0.18348348140716553},{"word":"if","start":1372.2849,"end":1372.445,"confidence":0.99008006,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24412715435028076},{"word":"they","start":1372.445,"end":1372.6849,"confidence":0.98921555,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.20742590725421903},{"word":"send","start":1372.6849,"end":1372.9249,"confidence":0.9974306,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.16322289407253265},{"word":"you","start":1372.9249,"end":1373.245,"confidence":0.9987173,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19547979533672333},{"word":"a","start":1373.245,"end":1373.485,"confidence":0.9987772,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16173148155212402},{"word":"a","start":1373.485,"end":1373.565,"confidence":0.8857547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13928556442260742},{"word":"final","start":1373.565,"end":1373.965,"confidence":0.99975246,"punctuated_word":"final","sentiment":"neutral","sentiment_score":0.12768319249153137},{"word":"copy","start":1373.965,"end":1374.465,"confidence":0.9985185,"punctuated_word":"copy,","sentiment":"neutral","sentiment_score":0.1528058648109436},{"word":"put","start":1374.62,"end":1374.7001,"confidence":0.99983454,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.22007206082344055},{"word":"it","start":1374.7001,"end":1375.02,"confidence":0.99963975,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1672751009464264},{"word":"out","start":1375.02,"end":1375.18,"confidence":0.99755716,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.16815415024757385},{"word":"somewhere","start":1375.18,"end":1375.68,"confidence":0.99958974,"punctuated_word":"somewhere","sentiment":"neutral","sentiment_score":0.22421453893184665},{"word":"and","start":1376.06,"end":1376.2201,"confidence":0.83157605,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1878708302974701},{"word":"let","start":1376.2201,"end":1376.4601,"confidence":0.9816486,"punctuated_word":"let,","sentiment":"neutral","sentiment_score":0.2025493085384369},{"word":"you","start":1376.4601,"end":1376.54,"confidence":0.9997353,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17182131111621857},{"word":"know","start":1376.54,"end":1376.86,"confidence":0.98611534,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2124769687652588},{"word":"your","start":1376.86,"end":1377.1001,"confidence":0.9884576,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22027656435966492},{"word":"beneficiaries","start":1377.1001,"end":1377.6001,"confidence":0.9990695,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.21447494626045227},{"word":"know","start":1377.8201,"end":1378.3,"confidence":0.9975731,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.22895213961601257},{"word":"where","start":1378.3,"end":1378.62,"confidence":0.9992518,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.1852555871009827},{"word":"it's","start":1378.62,"end":1378.86,"confidence":0.99920547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.18597857654094696},{"word":"located","start":1378.86,"end":1379.36,"confidence":0.90482104,"punctuated_word":"located.","sentiment":"neutral","sentiment_score":0.1849154531955719},{"word":"so","start":1379.66,"end":1379.9,"confidence":0.9995285,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16505616903305054},{"word":"if","start":1379.9,"end":1380.06,"confidence":0.9972178,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17832708358764648},{"word":"anything","start":1380.06,"end":1380.54,"confidence":0.99990356,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.16928672790527344},{"word":"does","start":1380.54,"end":1380.78,"confidence":0.99536824,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.11987234652042388},{"word":"happen","start":1380.78,"end":1381.18,"confidence":0.99772245,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.1138223260641098},{"word":"to","start":1381.18,"end":1381.42,"confidence":0.9994993,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11369069665670396},{"word":"you","start":1381.42,"end":1381.92,"confidence":0.99795437,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.10577515512704848},{"word":"they","start":1382.06,"end":1382.2201,"confidence":0.9947413,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.12911757826805115},{"word":"know","start":1382.2201,"end":1382.4601,"confidence":0.9959778,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.12806423008441925},{"word":"where","start":1382.4601,"end":1382.7001,"confidence":0.99951065,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.0579475462436676},{"word":"to","start":1382.7001,"end":1382.86,"confidence":0.8675531,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07077054679393768},{"word":"go","start":1382.86,"end":1383.02,"confidence":0.99980265,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0739046186208725},{"word":"to","start":1383.02,"end":1383.18,"confidence":0.997006,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07108227163553238},{"word":"get","start":1383.18,"end":1383.42,"confidence":0.99964464,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05124439299106598},{"word":"your","start":1383.42,"end":1383.66,"confidence":0.99791557,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07118910551071167},{"word":"will","start":1383.66,"end":1384.16,"confidence":0.75461024,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.06869912147521973},{"word":"and","start":1384.4601,"end":1384.7001,"confidence":0.9940697,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09573152661323547},{"word":"what's","start":1384.7001,"end":1385.1001,"confidence":0.9975598,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.07391627877950668},{"word":"in","start":1385.1001,"end":1385.26,"confidence":0.99843997,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07060766965150833},{"word":"it","start":1385.26,"end":1385.3401,"confidence":0.96934605,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08464956283569336},{"word":"and","start":1385.3401,"end":1385.5801,"confidence":0.77764565,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06881628185510635},{"word":"things","start":1385.5801,"end":1385.8201,"confidence":0.99922955,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0739808976650238},{"word":"like","start":1385.8201,"end":1385.98,"confidence":0.99909365,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05405592173337936},{"word":"that","start":1385.98,"end":1386.2201,"confidence":0.9879996,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.14220303297042847},{"word":"so","start":1386.2201,"end":1386.38,"confidence":0.92925036,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12106381356716156},{"word":"the","start":1386.38,"end":1386.4601,"confidence":0.9984269,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11578898131847382},{"word":"biggest","start":1386.4601,"end":1386.78,"confidence":0.99966,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.10173723101615906},{"word":"thing","start":1386.78,"end":1387.065,"confidence":0.9976714,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.12224015593528748},{"word":"comes","start":1387.065,"end":1387.225,"confidence":0.9987668,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.09867130219936372},{"word":"down","start":1387.225,"end":1387.465,"confidence":0.9989951,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.11050420999526978},{"word":"to","start":1387.465,"end":1387.625,"confidence":0.9977615,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11281996965408324},{"word":"communication","start":1387.625,"end":1388.125,"confidence":0.9988992,"punctuated_word":"communication","sentiment":"neutral","sentiment_score":0.14938518404960632},{"word":"with","start":1388.4249,"end":1388.6649,"confidence":0.9998853,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0945102721452713},{"word":"your","start":1388.6649,"end":1388.825,"confidence":0.99853563,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11352512240409852},{"word":"family","start":1388.825,"end":1389.225,"confidence":0.9999083,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.13072797656059265},{"word":"members","start":1389.225,"end":1389.5449,"confidence":0.99944955,"punctuated_word":"members","sentiment":"neutral","sentiment_score":0.13407102227211},{"word":"and","start":1389.5449,"end":1389.705,"confidence":0.99887866,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1356450319290161},{"word":"your","start":1389.705,"end":1390.0249,"confidence":0.9900004,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11477752029895782},{"word":"beneficiaries","start":1390.0249,"end":1390.5249,"confidence":0.7605963,"punctuated_word":"beneficiaries.","sentiment":"neutral","sentiment_score":0.1306328922510147},{"word":"but","start":1391.3849,"end":1391.5449,"confidence":0.99783736,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.21539664268493652},{"word":"these","start":1391.5449,"end":1391.865,"confidence":0.98618364,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.35296761989593506},{"word":"safe","start":1391.865,"end":1392.105,"confidence":0.95027685,"punctuated_word":"safe","sentiment":"neutral","sentiment_score":0.26335257291793823},{"word":"wills","start":1392.105,"end":1392.4249,"confidence":0.82988566,"punctuated_word":"wills","sentiment":"positive","sentiment_score":0.3402228355407715},{"word":"are","start":1392.4249,"end":1392.585,"confidence":0.9949051,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.36280325055122375},{"word":"often","start":1392.585,"end":1392.985,"confidence":0.99947876,"punctuated_word":"often","sentiment":"positive","sentiment_score":0.4468647539615631},{"word":"quite","start":1392.985,"end":1393.3049,"confidence":0.99963176,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.4538195133209229},{"word":"good","start":1393.3049,"end":1393.8049,"confidence":0.99608976,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4113415479660034},{"word":"it's","start":1394.105,"end":1394.345,"confidence":0.9965689,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.25749945640563965},{"word":"just","start":1394.345,"end":1394.585,"confidence":0.9987583,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.26101088523864746},{"word":"about","start":1394.585,"end":1394.9049,"confidence":0.9864877,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.21983887255191803},{"word":"promoting","start":1394.9049,"end":1395.3849,"confidence":0.9997166,"punctuated_word":"promoting","sentiment":"positive","sentiment_score":0.3549198806285858},{"word":"trying","start":1395.3849,"end":1395.705,"confidence":0.7921189,"punctuated_word":"trying","sentiment":"positive","sentiment_score":0.39980411529541016},{"word":"to","start":1395.705,"end":1395.7849,"confidence":0.9963021,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3289673328399658},{"word":"get","start":1395.7849,"end":1395.945,"confidence":0.9996847,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3265635073184967},{"word":"estate","start":1395.945,"end":1396.345,"confidence":0.7724731,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.27350541949272156},{"word":"planning","start":1396.345,"end":1396.745,"confidence":0.9997485,"punctuated_word":"planning","sentiment":"positive","sentiment_score":0.41335445642471313},{"word":"working","start":1396.745,"end":1397.1449,"confidence":0.99606377,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.32097989320755005},{"word":"because","start":1397.1449,"end":1397.465,"confidence":0.46973404,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05247749388217926},{"word":"a","start":1397.465,"end":1397.5449,"confidence":0.9996567,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05349249392747879},{"word":"lot","start":1397.5449,"end":1397.705,"confidence":0.99948585,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.09870864450931548},{"word":"of","start":1397.705,"end":1397.865,"confidence":0.99905044,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12451876699924468},{"word":"people","start":1397.865,"end":1398.2649,"confidence":0.9996567,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.09448470175266266},{"word":"don't","start":1398.2649,"end":1398.5049,"confidence":0.9996704,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.030263688415288925},{"word":"have","start":1398.5049,"end":1398.745,"confidence":0.9998932,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0481761246919632},{"word":"any","start":1398.745,"end":1398.9049,"confidence":0.99986124,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.09242893755435944},{"word":"of","start":1398.9049,"end":1399.065,"confidence":0.99989784,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05937255918979645},{"word":"this","start":1399.065,"end":1399.3049,"confidence":0.98954505,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.05963066220283508},{"word":"done","start":1399.3049,"end":1399.5449,"confidence":0.8515545,"punctuated_word":"done,","sentiment":"neutral","sentiment_score":-0.08831324428319931},{"word":"and","start":1399.5449,"end":1400.01,"confidence":0.9991351,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09717482328414916},{"word":"so","start":1400.17,"end":1400.41,"confidence":0.9996836,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1406903713941574},{"word":"many","start":1400.41,"end":1400.81,"confidence":0.99991477,"punctuated_word":"many","sentiment":"neutral","sentiment_score":-0.20882675051689148},{"word":"people","start":1400.81,"end":1401.21,"confidence":0.9998448,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.23462821543216705},{"word":"do","start":1401.21,"end":1401.71,"confidence":0.9995857,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.15239275991916656},{"word":"pass","start":1401.93,"end":1402.25,"confidence":0.7042488,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.11102698743343352},{"word":"away","start":1402.25,"end":1402.73,"confidence":0.9964504,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.13321341574192047},{"word":"with","start":1402.73,"end":1403.05,"confidence":0.9995072,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1494630128145218},{"word":"no","start":1403.05,"end":1403.53,"confidence":0.9998134,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.12848860025405884},{"word":"estate","start":1403.53,"end":1403.93,"confidence":0.9976126,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":-0.2060110867023468},{"word":"planning","start":1403.93,"end":1404.41,"confidence":0.97942585,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":-0.1331636905670166},{"word":"no","start":1404.41,"end":1404.65,"confidence":0.9990702,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.1388426423072815},{"word":"wills","start":1404.65,"end":1405.15,"confidence":0.43450224,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":-0.1312662661075592},{"word":"set","start":1405.61,"end":1405.85,"confidence":0.9591001,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.15435980260372162},{"word":"up","start":1405.85,"end":1406.09,"confidence":0.9406998,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.1001964807510376},{"word":"and","start":1406.09,"end":1406.25,"confidence":0.99964845,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04877202212810517},{"word":"then","start":1406.25,"end":1406.49,"confidence":0.99981314,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.052702173590660095},{"word":"everything","start":1406.49,"end":1406.89,"confidence":0.9994017,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.08402696996927261},{"word":"goes","start":1406.89,"end":1407.21,"confidence":0.9991474,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.13251037895679474},{"word":"through","start":1407.21,"end":1407.45,"confidence":0.991446,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.20959335565567017},{"word":"probate","start":1407.45,"end":1407.93,"confidence":0.94693726,"punctuated_word":"probate.","sentiment":"neutral","sentiment_score":-0.029732681810855865},{"word":"and","start":1407.93,"end":1408.01,"confidence":0.62179184,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.027168557047843933},{"word":"it's","start":1408.01,"end":1408.17,"confidence":0.9911706,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.06612934917211533},{"word":"probably","start":1408.17,"end":1408.49,"confidence":0.9982968,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.11356086283922195},{"word":"one","start":1408.49,"end":1408.65,"confidence":0.99941826,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.11685185134410858},{"word":"of","start":1408.65,"end":1408.73,"confidence":0.99908745,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15721087157726288},{"word":"the","start":1408.73,"end":1408.89,"confidence":0.9995639,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17000457644462583},{"word":"hardest","start":1408.89,"end":1409.29,"confidence":0.99861825,"punctuated_word":"hardest","sentiment":"neutral","sentiment_score":-0.2879878878593445},{"word":"times","start":1409.29,"end":1409.61,"confidence":0.9974197,"punctuated_word":"times","sentiment":"neutral","sentiment_score":-0.2432374209165573},{"word":"for","start":1409.61,"end":1409.77,"confidence":0.98253685,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.20373354852199552},{"word":"your","start":1409.77,"end":1410.01,"confidence":0.9987607,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.23253054916858673},{"word":"family","start":1410.01,"end":1410.49,"confidence":0.99968636,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.24406488239765167},{"word":"to","start":1410.49,"end":1410.65,"confidence":0.9996917,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2083207964897156},{"word":"go","start":1410.65,"end":1410.89,"confidence":0.99968255,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.24002082645893097},{"word":"through","start":1410.89,"end":1411.13,"confidence":0.9148488,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.2514026165008545},{"word":"but","start":1411.13,"end":1411.63,"confidence":0.9991246,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.047885775566101074},{"word":"from","start":1412.345,"end":1412.505,"confidence":0.9994825,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.10451555997133256},{"word":"what","start":1412.505,"end":1412.665,"confidence":0.99969494,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09642772376537324},{"word":"i'm","start":1412.665,"end":1412.745,"confidence":0.99992955,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.13839489221572876},{"word":"looking","start":1412.745,"end":1413.145,"confidence":0.99986005,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.14774680137634277},{"word":"at","start":1413.145,"end":1413.305,"confidence":0.99869764,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1418372392654419},{"word":"here","start":1413.305,"end":1413.545,"confidence":0.9991554,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.14162321388721466},{"word":"there's","start":1413.545,"end":1413.865,"confidence":0.9997473,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.23854029178619385},{"word":"nothing","start":1413.865,"end":1414.185,"confidence":0.9998647,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":0.18766963481903076},{"word":"wrong","start":1414.185,"end":1414.425,"confidence":0.999653,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":0.16004078090190887},{"word":"with","start":1414.425,"end":1414.585,"confidence":0.9997379,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20442909002304077},{"word":"that","start":1414.585,"end":1414.745,"confidence":0.99979967,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20445039868354797},{"word":"in","start":1414.745,"end":1414.905,"confidence":0.9956736,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21836744248867035},{"word":"any","start":1414.905,"end":1415.0651,"confidence":0.9976579,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.22953294217586517},{"word":"way","start":1415.0651,"end":1415.305,"confidence":0.9535173,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.1818886697292328},{"word":"shape","start":1415.305,"end":1415.545,"confidence":0.9874748,"punctuated_word":"shape,","sentiment":"neutral","sentiment_score":0.1860814094543457},{"word":"or","start":1415.545,"end":1415.785,"confidence":0.9991798,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.15456949174404144},{"word":"form","start":1415.785,"end":1416.025,"confidence":0.99246037,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.13686102628707886},{"word":"it","start":1416.025,"end":1416.185,"confidence":0.9995254,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.16137483716011047},{"word":"is","start":1416.185,"end":1416.425,"confidence":0.99892527,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1486274003982544},{"word":"solicited","start":1416.425,"end":1416.925,"confidence":0.73850703,"punctuated_word":"solicited","sentiment":"neutral","sentiment_score":0.15353694558143616},{"word":"or","start":1417.0651,"end":1417.145,"confidence":0.877285,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.15105018019676208},{"word":"reviewed","start":1417.145,"end":1417.645,"confidence":0.88195753,"punctuated_word":"reviewed.","sentiment":"neutral","sentiment_score":0.14407558739185333},{"word":"it's","start":1418.265,"end":1418.505,"confidence":0.9464918,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1600927710533142},{"word":"just","start":1418.505,"end":1418.8251,"confidence":0.99719894,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1980680674314499},{"word":"utilizing","start":1418.8251,"end":1419.305,"confidence":0.979424,"punctuated_word":"utilizing","sentiment":"neutral","sentiment_score":0.14976531267166138},{"word":"the","start":1419.305,"end":1419.545,"confidence":0.9739895,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15211540460586548},{"word":"websites","start":1419.545,"end":1420.025,"confidence":0.6148869,"punctuated_word":"websites","sentiment":"neutral","sentiment_score":0.13194860517978668},{"word":"and","start":1420.025,"end":1420.265,"confidence":0.94364524,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12801088392734528},{"word":"trying","start":1420.265,"end":1420.505,"confidence":0.90221256,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.2041015028953552},{"word":"to","start":1420.505,"end":1420.665,"confidence":0.9915166,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16926653683185575},{"word":"sort","start":1420.665,"end":1420.8251,"confidence":0.93180054,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.18002654612064362},{"word":"of","start":1420.8251,"end":1420.905,"confidence":0.9943001,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19155430793762207},{"word":"promote","start":1420.905,"end":1421.305,"confidence":0.985494,"punctuated_word":"promote","sentiment":"neutral","sentiment_score":0.1632830649614334},{"word":"getting","start":1421.305,"end":1421.625,"confidence":0.9938567,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.21007749438285828},{"word":"the","start":1421.625,"end":1421.785,"confidence":0.95277387,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21351906657218933},{"word":"estate","start":1421.785,"end":1422.185,"confidence":0.9742021,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.12680314481258392},{"word":"planning","start":1422.185,"end":1422.665,"confidence":0.9997327,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.20358394086360931},{"word":"working","start":1422.665,"end":1423.0651,"confidence":0.9982644,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.32804998755455017},{"word":"for","start":1423.0651,"end":1423.305,"confidence":0.99954766,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17406310141086578},{"word":"you","start":1423.305,"end":1423.465,"confidence":0.99932337,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09070775657892229},{"word":"guys","start":1423.465,"end":1423.965,"confidence":0.99193597,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":0.10444344580173492},{"word":"yeah","start":1424.105,"end":1424.605,"confidence":0.9560455,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2192234992980957},{"word":"yeah","start":1430.11,"end":1430.61,"confidence":0.99148923,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08214731514453888},{"word":"yes","start":1433.0701,"end":1433.5701,"confidence":0.97559875,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09073963761329652},{"word":"yep","start":1434.35,"end":1434.85,"confidence":0.93393767,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.019557958468794823},{"word":"yes","start":1436.925,"end":1437.425,"confidence":0.9019302,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04083592817187309},{"word":"yeah","start":1437.5651,"end":1438.0651,"confidence":0.9970113,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.058336641639471054},{"word":"yeah","start":1446.765,"end":1447.265,"confidence":0.7947756,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0024035684764385223},{"word":"yeah","start":1447.805,"end":1448.305,"confidence":0.796295,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0012745652347803116},{"word":"yeah","start":1452.8601,"end":1453.3601,"confidence":0.8339417,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06460137665271759},{"word":"no","start":1453.42,"end":1453.92,"confidence":0.9902613,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03741119056940079},{"word":"it","start":1453.9801,"end":1454.14,"confidence":0.99703264,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.005345731973648071},{"word":"is","start":1454.14,"end":1454.38,"confidence":0.99942786,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03399304300546646},{"word":"really","start":1454.38,"end":1454.7001,"confidence":0.9974291,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.027248531579971313},{"word":"one","start":1454.7001,"end":1454.8601,"confidence":0.9998227,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.033126264810562134},{"word":"of","start":1454.8601,"end":1454.9401,"confidence":0.99987817,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06589308381080627},{"word":"the","start":1454.9401,"end":1455.1001,"confidence":0.9998809,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04445863515138626},{"word":"most","start":1455.1001,"end":1455.3401,"confidence":0.999908,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.005876325070858002},{"word":"important","start":1455.3401,"end":1455.8201,"confidence":0.99984694,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.005376435816287994},{"word":"things","start":1455.8201,"end":1456.06,"confidence":0.9994678,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.00757155567407608},{"word":"to","start":1456.06,"end":1456.2201,"confidence":0.9996574,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.010032512247562408},{"word":"do","start":1456.2201,"end":1456.4601,"confidence":0.999298,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.04236062616109848},{"word":"we","start":1456.4601,"end":1456.62,"confidence":0.92174643,"punctuated_word":"We,","sentiment":"neutral","sentiment_score":-0.11523763090372086},{"word":"unfortunately","start":1456.62,"end":1457.12,"confidence":0.9966327,"punctuated_word":"unfortunately,","sentiment":"neutral","sentiment_score":-0.14113163948059082},{"word":"as","start":1457.18,"end":1457.3401,"confidence":0.9978009,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.19835980236530304},{"word":"financial","start":1457.3401,"end":1457.8201,"confidence":0.9994417,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.17690205574035645},{"word":"advisers","start":1457.8201,"end":1458.3201,"confidence":0.76217735,"punctuated_word":"advisers,","sentiment":"neutral","sentiment_score":-0.21570038795471191},{"word":"do","start":1458.38,"end":1458.7001,"confidence":0.9936592,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.19109942018985748},{"word":"see","start":1458.7001,"end":1458.8601,"confidence":0.94933146,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.11947579681873322},{"word":"a","start":1458.8601,"end":1459.02,"confidence":0.9994456,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13796314597129822},{"word":"lot","start":1459.02,"end":1459.18,"confidence":0.9998932,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.15982367098331451},{"word":"of","start":1459.18,"end":1459.3401,"confidence":0.998475,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.165094256401062},{"word":"the","start":1459.3401,"end":1459.5,"confidence":0.99715155,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16788390278816223},{"word":"estate","start":1459.5,"end":1459.8201,"confidence":0.9951265,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":-0.20476990938186648},{"word":"planning","start":1459.8201,"end":1460.3,"confidence":0.9997416,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":-0.2678232192993164},{"word":"side","start":1460.3,"end":1460.54,"confidence":0.5223829,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.18382874131202695},{"word":"of","start":1460.54,"end":1460.7001,"confidence":0.9441235,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15584523975849152},{"word":"things","start":1460.7001,"end":1461.195,"confidence":0.8596535,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.15813249349594116},{"word":"and","start":1461.595,"end":1461.6749,"confidence":0.9311229,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11161010712385178},{"word":"we","start":1461.6749,"end":1461.835,"confidence":0.9995975,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08146455138921738},{"word":"do","start":1461.835,"end":1462.075,"confidence":0.8425367,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.109666109085083},{"word":"deal","start":1462.075,"end":1462.315,"confidence":0.94611216,"punctuated_word":"deal","sentiment":"neutral","sentiment_score":-0.10704006999731064},{"word":"with","start":1462.315,"end":1462.475,"confidence":0.99974483,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.13208314776420593},{"word":"a","start":1462.475,"end":1462.5549,"confidence":0.9954397,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11122393608093262},{"word":"lot","start":1462.5549,"end":1462.7949,"confidence":0.99987984,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.13516299426555634},{"word":"of","start":1462.7949,"end":1462.875,"confidence":0.9986878,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17572638392448425},{"word":"the","start":1462.875,"end":1463.0349,"confidence":0.9613562,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1904315799474716},{"word":"estates","start":1463.0349,"end":1463.5149,"confidence":0.95356864,"punctuated_word":"estates","sentiment":"neutral","sentiment_score":-0.17230123281478882},{"word":"after","start":1463.5149,"end":1464.0149,"confidence":0.99897975,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.13597381114959717},{"word":"people","start":1464.1549,"end":1464.475,"confidence":0.7389803,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.1337021291255951},{"word":"have","start":1464.475,"end":1464.715,"confidence":0.9552034,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.15999168157577515},{"word":"passed","start":1464.715,"end":1464.955,"confidence":0.99852437,"punctuated_word":"passed","sentiment":"neutral","sentiment_score":-0.1633647382259369},{"word":"away","start":1464.955,"end":1465.2749,"confidence":0.78024274,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":-0.16791892051696777},{"word":"and","start":1465.2749,"end":1465.4349,"confidence":0.9938828,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.14844870567321777},{"word":"it","start":1465.4349,"end":1465.595,"confidence":0.9995358,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.17753475904464722},{"word":"is","start":1465.595,"end":1465.755,"confidence":0.998926,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.20670028030872345},{"word":"a","start":1465.755,"end":1465.835,"confidence":0.9976718,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21896278858184817},{"word":"really","start":1465.835,"end":1466.235,"confidence":0.9997824,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.29868417978286743},{"word":"difficult","start":1466.235,"end":1466.715,"confidence":0.9998128,"punctuated_word":"difficult","sentiment":"neutral","sentiment_score":-0.305372416973114},{"word":"time","start":1466.715,"end":1467.0349,"confidence":0.99915016,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.26954078674316406},{"word":"for","start":1467.0349,"end":1467.195,"confidence":0.99875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2799268662929535},{"word":"most","start":1467.195,"end":1467.4349,"confidence":0.99968684,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.2894129157066345},{"word":"people","start":1467.4349,"end":1467.9349,"confidence":0.9933996,"punctuated_word":"people.","sentiment":"negative","sentiment_score":-0.3397030234336853},{"word":"most","start":1468.715,"end":1469.115,"confidence":0.919637,"punctuated_word":"Most","sentiment":"neutral","sentiment_score":-0.1979120671749115},{"word":"people","start":1469.115,"end":1469.355,"confidence":0.96731013,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.18548013269901276},{"word":"don't","start":1469.355,"end":1469.755,"confidence":0.9988398,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.18902616202831268},{"word":"have","start":1469.755,"end":1469.995,"confidence":0.99985695,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2220244407653809},{"word":"a","start":1469.995,"end":1470.075,"confidence":0.9995252,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19770637154579165},{"word":"will","start":1470.075,"end":1470.315,"confidence":0.99207675,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.17156973481178284},{"word":"in","start":1470.315,"end":1470.475,"confidence":0.9994796,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.21145084500312805},{"word":"place","start":1470.475,"end":1470.7949,"confidence":0.99972576,"punctuated_word":"place","sentiment":"neutral","sentiment_score":-0.2519514560699463},{"word":"or","start":1470.7949,"end":1470.955,"confidence":0.9799762,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.20031265914440155},{"word":"have","start":1470.955,"end":1471.195,"confidence":0.9995517,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.15851522982120514},{"word":"never","start":1471.195,"end":1471.4349,"confidence":0.99982435,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.12274967133998872},{"word":"really","start":1471.4349,"end":1471.755,"confidence":0.998979,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.14977024495601654},{"word":"thought","start":1471.755,"end":1471.995,"confidence":0.9993894,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.15474383533000946},{"word":"about","start":1471.995,"end":1472.315,"confidence":0.9986077,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1842537522315979},{"word":"having","start":1472.315,"end":1472.5549,"confidence":0.9995981,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.1795775443315506},{"word":"a","start":1472.5549,"end":1472.715,"confidence":0.9967218,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17456240952014923},{"word":"will","start":1472.715,"end":1472.955,"confidence":0.99712723,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.18431821465492249},{"word":"in","start":1472.955,"end":1473.115,"confidence":0.9995034,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2118432968854904},{"word":"place","start":1473.115,"end":1473.615,"confidence":0.7516502,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":-0.22559109330177307},{"word":"and","start":1474.25,"end":1474.4099,"confidence":0.9781221,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1025005429983139},{"word":"going","start":1474.4099,"end":1474.8099,"confidence":0.9990177,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.1543474942445755},{"word":"through","start":1474.8099,"end":1475.0499,"confidence":0.91116107,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.18268711864948273},{"word":"probate","start":1475.0499,"end":1475.45,"confidence":0.9719056,"punctuated_word":"probate","sentiment":"neutral","sentiment_score":-0.21281997859477997},{"word":"is","start":1475.45,"end":1475.61,"confidence":0.90443474,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.15817807614803314},{"word":"a","start":1475.61,"end":1475.69,"confidence":0.9914711,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15014678239822388},{"word":"long","start":1475.69,"end":1476.0099,"confidence":0.99904543,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.14981397986412048},{"word":"lengthy","start":1476.0099,"end":1476.4099,"confidence":0.5093704,"punctuated_word":"lengthy","sentiment":"neutral","sentiment_score":-0.18958228826522827},{"word":"and","start":1476.4099,"end":1476.57,"confidence":0.90697086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.163516566157341},{"word":"can","start":1476.57,"end":1476.8099,"confidence":0.9961325,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.17869174480438232},{"word":"be","start":1476.8099,"end":1476.97,"confidence":0.9986951,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16269239783287048},{"word":"a","start":1476.97,"end":1477.0499,"confidence":0.9593551,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2026861011981964},{"word":"costly","start":1477.0499,"end":1477.5299,"confidence":0.9980598,"punctuated_word":"costly","sentiment":"neutral","sentiment_score":-0.12599298357963562},{"word":"pros","start":1477.5299,"end":1477.9299,"confidence":0.51233095,"punctuated_word":"pros","sentiment":"neutral","sentiment_score":-0.2076665163040161},{"word":"a","start":1478.1699,"end":1478.33,"confidence":0.5858737,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1798442304134369},{"word":"process","start":1478.33,"end":1478.83,"confidence":0.8986039,"punctuated_word":"process.","sentiment":"neutral","sentiment_score":-0.18854933977127075},{"word":"so","start":1478.97,"end":1479.47,"confidence":0.99937963,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06593062728643417},{"word":"you're","start":1479.61,"end":1479.85,"confidence":0.9943529,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.11857100576162338},{"word":"definitely","start":1479.85,"end":1480.1699,"confidence":0.9979982,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.09602118283510208},{"word":"doing","start":1480.1699,"end":1480.4099,"confidence":0.9998734,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.049761027097702026},{"word":"the","start":1480.4099,"end":1480.57,"confidence":0.99986243,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14781776070594788},{"word":"right","start":1480.57,"end":1480.8099,"confidence":0.9999447,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.18324647843837735},{"word":"thing","start":1480.8099,"end":1481.0499,"confidence":0.9996868,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.10426394641399384},{"word":"would","start":1481.0499,"end":1481.21,"confidence":0.99981743,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.05227484554052353},{"word":"you","start":1481.21,"end":1481.37,"confidence":0.9997646,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04557662457227707},{"word":"still","start":1481.37,"end":1481.61,"confidence":0.9991786,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.027333460748195648},{"word":"like","start":1481.61,"end":1481.7699,"confidence":0.9901856,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.046379271894693375},{"word":"me","start":1481.7699,"end":1481.9299,"confidence":0.999665,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05030125379562378},{"word":"just","start":1481.9299,"end":1482.1699,"confidence":0.99025726,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07368828356266022},{"word":"to","start":1482.1699,"end":1482.25,"confidence":0.99777347,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05917932465672493},{"word":"send","start":1482.25,"end":1482.49,"confidence":0.99974877,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.04856386035680771},{"word":"that","start":1482.49,"end":1482.73,"confidence":0.99965775,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06745907664299011},{"word":"referral","start":1482.73,"end":1483.23,"confidence":0.9987191,"punctuated_word":"referral","sentiment":"neutral","sentiment_score":0.0623345822095871},{"word":"email","start":1483.2899,"end":1483.61,"confidence":0.99810827,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.06317399442195892},{"word":"through","start":1483.61,"end":1483.85,"confidence":0.9912259,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06323721259832382},{"word":"to","start":1483.85,"end":1483.9299,"confidence":0.975841,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07347889244556427},{"word":"you","start":1483.9299,"end":1484.1699,"confidence":0.9995369,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.058073315769433975},{"word":"just","start":1484.1699,"end":1484.33,"confidence":0.90034926,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08771683275699615},{"word":"to","start":1484.33,"end":1484.49,"confidence":0.9992525,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06283295154571533},{"word":"give","start":1484.49,"end":1484.73,"confidence":0.998979,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.058439064770936966},{"word":"you","start":1484.73,"end":1484.8099,"confidence":0.9995396,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05106288567185402},{"word":"an","start":1484.8099,"end":1485.0499,"confidence":0.99966836,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.047993242740631104},{"word":"idea","start":1485.0499,"end":1485.45,"confidence":0.9213665,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.04993733763694763},{"word":"on","start":1485.45,"end":1485.69,"confidence":0.99807054,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04656192660331726},{"word":"on","start":1485.69,"end":1486.185,"confidence":0.9827989,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04585675150156021},{"word":"how","start":1486.7451,"end":1487.145,"confidence":0.99665415,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.04103132709860802},{"word":"cgm","start":1487.145,"end":1487.645,"confidence":0.75880456,"punctuated_word":"CGM","sentiment":"neutral","sentiment_score":0.030335163697600365},{"word":"what","start":1487.8651,"end":1488.185,"confidence":0.9995777,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.02799268625676632},{"word":"cgm","start":1488.185,"end":1488.685,"confidence":0.9281039,"punctuated_word":"CGM","sentiment":"neutral","sentiment_score":0.017065102234482765},{"word":"do","start":1488.7451,"end":1488.905,"confidence":0.8433198,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02743305452167988},{"word":"and","start":1488.905,"end":1489.385,"confidence":0.49845695,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03143179789185524},{"word":"the","start":1489.385,"end":1489.545,"confidence":0.9977991,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021949194371700287},{"word":"costing","start":1489.545,"end":1489.9451,"confidence":0.9993216,"punctuated_word":"costing","sentiment":"neutral","sentiment_score":0.03173842281103134},{"word":"of","start":1489.9451,"end":1490.1051,"confidence":0.99749005,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.018691301345825195},{"word":"a","start":1490.1051,"end":1490.185,"confidence":0.98691654,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01945462077856064},{"word":"will","start":1490.185,"end":1490.5851,"confidence":0.99298614,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.03278583288192749},{"word":"on","start":1490.5851,"end":1490.7451,"confidence":0.9989894,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02484722435474396},{"word":"their","start":1490.7451,"end":1490.9851,"confidence":0.9971923,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.003765195608139038},{"word":"end","start":1490.9851,"end":1491.4851,"confidence":0.83922994,"punctuated_word":"end?","sentiment":"neutral","sentiment_score":0.027641844004392624},{"word":"yeah","start":1492.9851,"end":1493.4651,"confidence":0.9393411,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14767715334892273},{"word":"absolutely","start":1493.4651,"end":1493.9651,"confidence":0.9996028,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.3927965760231018},{"word":"perfect","start":1494.425,"end":1494.905,"confidence":0.9961729,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5049569606781006},{"word":"i'll","start":1494.905,"end":1495.0651,"confidence":0.99989283,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.30533111095428467},{"word":"get","start":1495.0651,"end":1495.2251,"confidence":0.9998715,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3105722963809967},{"word":"that","start":1495.2251,"end":1495.385,"confidence":0.99955994,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3208095133304596},{"word":"one","start":1495.385,"end":1495.545,"confidence":0.98753554,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.38493454456329346},{"word":"done","start":1495.545,"end":1495.785,"confidence":0.86652935,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.349649578332901},{"word":"up","start":1495.785,"end":1495.9451,"confidence":0.93864137,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.42063969373703},{"word":"for","start":1495.9451,"end":1496.1051,"confidence":0.99950767,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.409267783164978},{"word":"you","start":1496.1051,"end":1496.265,"confidence":0.9992223,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3942383527755738},{"word":"now","start":1496.265,"end":1496.3451,"confidence":0.9337969,"punctuated_word":"now,","sentiment":"positive","sentiment_score":0.4153115451335907},{"word":"and","start":1496.3451,"end":1496.5851,"confidence":0.99975187,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3293001055717468},{"word":"i'll","start":1496.5851,"end":1496.7451,"confidence":0.9996536,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.30339694023132324},{"word":"shoot","start":1496.7451,"end":1496.9851,"confidence":0.98863983,"punctuated_word":"shoot","sentiment":"neutral","sentiment_score":0.29144829511642456},{"word":"that","start":1496.9851,"end":1497.2251,"confidence":0.998086,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3291337192058563},{"word":"through","start":1497.2251,"end":1497.545,"confidence":0.99960536,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2884940803050995},{"word":"to","start":1497.545,"end":1497.7051,"confidence":0.9955147,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1256919503211975},{"word":"jesse's","start":1497.7051,"end":1498.185,"confidence":0.86063826,"punctuated_word":"Jesse's","sentiment":"neutral","sentiment_score":0.11976194381713869},{"word":"email","start":1498.185,"end":1498.665,"confidence":0.99957865,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2031276375055313},{"word":"for","start":1498.665,"end":1498.8251,"confidence":0.99923027,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1580333113670349},{"word":"you","start":1498.8251,"end":1499.3251,"confidence":0.998348,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.15898752212524414},{"word":"yes","start":1504.8,"end":1505.28,"confidence":0.9907724,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.007616065442562103},{"word":"from","start":1505.28,"end":1505.6,"confidence":0.87065774,"punctuated_word":"From","sentiment":"neutral","sentiment_score":-0.05995858833193779},{"word":"it","start":1505.84,"end":1506.0,"confidence":0.99862325,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08519716560840607},{"word":"looks","start":1506.0,"end":1506.32,"confidence":0.9998827,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":-0.07801821827888489},{"word":"like","start":1506.32,"end":1506.56,"confidence":0.9983016,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.07533802092075348},{"word":"there","start":1506.56,"end":1506.8,"confidence":0.9725485,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.0871763676404953},{"word":"isn't","start":1506.8,"end":1507.2,"confidence":0.99901783,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.07811954617500305},{"word":"one","start":1507.2,"end":1507.44,"confidence":0.9994567,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.06513326615095139},{"word":"on","start":1507.44,"end":1507.6,"confidence":0.9994054,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08825632929801941},{"word":"there","start":1507.6,"end":1507.84,"confidence":0.9522567,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.06916087865829468},{"word":"so","start":1507.84,"end":1508.16,"confidence":0.99682957,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0913817584514618},{"word":"with","start":1508.16,"end":1508.4,"confidence":0.9979709,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.16751626133918762},{"word":"the","start":1508.4,"end":1508.56,"confidence":0.9996995,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14769388735294342},{"word":"recommendations","start":1508.56,"end":1509.06,"confidence":0.99670726,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":-0.08352421224117279},{"word":"i'm","start":1509.28,"end":1509.52,"confidence":0.99208474,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.14577466249465942},{"word":"making","start":1509.52,"end":1509.84,"confidence":0.9636338,"punctuated_word":"making,","sentiment":"neutral","sentiment_score":-0.11462965607643127},{"word":"we","start":1509.84,"end":1509.92,"confidence":0.999869,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.16740626096725464},{"word":"are","start":1509.92,"end":1510.16,"confidence":0.9998677,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.19201602041721344},{"word":"making","start":1510.16,"end":1510.4,"confidence":0.9998111,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.13377822935581207},{"word":"the","start":1510.4,"end":1510.56,"confidence":0.967601,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13269877433776855},{"word":"recommendation","start":1510.56,"end":1511.06,"confidence":0.99942195,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":-0.17982853949069977},{"word":"that","start":1511.2,"end":1511.44,"confidence":0.9890609,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1539764404296875},{"word":"he","start":1511.44,"end":1511.68,"confidence":0.99851555,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.18825557827949524},{"word":"update","start":1511.68,"end":1512.015,"confidence":0.99798346,"punctuated_word":"update","sentiment":"neutral","sentiment_score":-0.0647706687450409},{"word":"those","start":1512.015,"end":1512.255,"confidence":0.88989806,"punctuated_word":"those,","sentiment":"neutral","sentiment_score":-0.06492415070533752},{"word":"and","start":1512.255,"end":1512.495,"confidence":0.9990909,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03968308866024017},{"word":"we","start":1512.495,"end":1512.735,"confidence":0.9998735,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02827313542366028},{"word":"will","start":1512.735,"end":1512.895,"confidence":0.999907,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.05394989997148514},{"word":"make","start":1512.895,"end":1513.055,"confidence":0.99986017,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.04638677462935448},{"word":"sure","start":1513.055,"end":1513.295,"confidence":0.99987864,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.024570614099502563},{"word":"and","start":1513.295,"end":1513.535,"confidence":0.9808059,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01760289818048477},{"word":"help","start":1513.535,"end":1513.775,"confidence":0.99980897,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.004942938685417175},{"word":"him","start":1513.775,"end":1514.015,"confidence":0.999803,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.029494963586330417},{"word":"to","start":1514.015,"end":1514.175,"confidence":0.9995617,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03965580463409424},{"word":"have","start":1514.175,"end":1514.335,"confidence":0.9981298,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05960661545395851},{"word":"them","start":1514.335,"end":1514.655,"confidence":0.9923969,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.05032391846179962},{"word":"filled","start":1514.655,"end":1514.975,"confidence":0.9109429,"punctuated_word":"filled","sentiment":"neutral","sentiment_score":-0.02908821403980255},{"word":"out","start":1514.975,"end":1515.215,"confidence":0.9964675,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.07352714985609055},{"word":"yeah","start":1515.215,"end":1515.535,"confidence":0.9359348,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015261434018611908},{"word":"so","start":1515.535,"end":1515.6951,"confidence":0.9991549,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1865195333957672},{"word":"we'll","start":1515.6951,"end":1516.095,"confidence":0.99965644,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2334856390953064},{"word":"we'll","start":1516.095,"end":1516.255,"confidence":0.99977744,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2474123239517212},{"word":"get","start":1516.255,"end":1516.495,"confidence":0.99966276,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2752073407173157},{"word":"the","start":1516.495,"end":1516.655,"confidence":0.99650013,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2305600941181183},{"word":"beneficiaries","start":1516.655,"end":1517.155,"confidence":0.9926158,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.2908138632774353},{"word":"all","start":1517.455,"end":1517.615,"confidence":0.98849803,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2085203528404236},{"word":"done","start":1517.615,"end":1517.855,"confidence":0.97049934,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.19497010111808777},{"word":"up","start":1517.855,"end":1517.935,"confidence":0.98937756,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2258152961730957},{"word":"and","start":1517.935,"end":1518.095,"confidence":0.99435306,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21859723329544067},{"word":"send","start":1518.095,"end":1518.335,"confidence":0.9977235,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2094956785440445},{"word":"them","start":1518.335,"end":1518.5751,"confidence":0.9995208,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.21267041563987732},{"word":"to","start":1518.5751,"end":1518.735,"confidence":0.9977584,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19034892320632937},{"word":"him","start":1518.735,"end":1519.055,"confidence":0.8642504,"punctuated_word":"him,","sentiment":"neutral","sentiment_score":0.1482895016670227},{"word":"and","start":1519.055,"end":1519.215,"confidence":0.99968255,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14148437976837158},{"word":"then","start":1519.215,"end":1519.375,"confidence":0.99989307,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1210465133190155},{"word":"he's","start":1519.375,"end":1519.535,"confidence":0.9869673,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.19084104895591736},{"word":"just","start":1519.535,"end":1519.775,"confidence":0.99972814,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18727794289588928},{"word":"gonna","start":1519.775,"end":1520.015,"confidence":0.6277807,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.21925252676010132},{"word":"get","start":1520.015,"end":1520.095,"confidence":0.9983127,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.26289862394332886},{"word":"them","start":1520.095,"end":1520.335,"confidence":0.9989247,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.23030495643615723},{"word":"signed","start":1520.335,"end":1520.5751,"confidence":0.9898746,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.2261238992214203},{"word":"and","start":1520.5751,"end":1520.655,"confidence":0.9854731,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24223019182682037},{"word":"witness","start":1520.655,"end":1521.055,"confidence":0.9154572,"punctuated_word":"witness","sentiment":"neutral","sentiment_score":0.236145481467247},{"word":"them","start":1521.055,"end":1521.215,"confidence":0.9808795,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.25120672583580017},{"word":"back","start":1521.215,"end":1521.375,"confidence":0.9994629,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.3063526153564453},{"word":"to","start":1521.375,"end":1521.535,"confidence":0.99881846,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2273131012916565},{"word":"us","start":1521.535,"end":1521.6951,"confidence":0.85202765,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":0.19481290876865387},{"word":"and","start":1521.6951,"end":1521.855,"confidence":0.99916995,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20616327226161957},{"word":"we'll","start":1521.855,"end":1522.015,"confidence":0.999477,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.23311683535575867},{"word":"have","start":1522.015,"end":1522.175,"confidence":0.99979764,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.32960575819015503},{"word":"them","start":1522.175,"end":1522.415,"confidence":0.9987594,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.27042609453201294},{"word":"applied","start":1522.415,"end":1522.735,"confidence":0.82382274,"punctuated_word":"applied","sentiment":"neutral","sentiment_score":0.2855195701122284},{"word":"to","start":1522.735,"end":1522.895,"confidence":0.9930058,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20897184312343595},{"word":"each","start":1522.895,"end":1523.135,"confidence":0.9889348,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.1794976443052292},{"word":"of","start":1523.135,"end":1523.215,"confidence":0.9828387,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22118718922138217},{"word":"those","start":1523.215,"end":1523.455,"confidence":0.9995757,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.19443368911743164},{"word":"funds","start":1523.455,"end":1523.955,"confidence":0.998936,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.1450958549976349},{"word":"yeah","start":1525.79,"end":1526.1901,"confidence":0.9519983,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4649505615234375},{"word":"that's","start":1526.1901,"end":1526.5901,"confidence":0.99890435,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.532645583152771},{"word":"okay","start":1526.5901,"end":1527.0901,"confidence":0.9982042,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.4594300091266632},{"word":"not","start":1527.15,"end":1527.31,"confidence":0.999241,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.5683379173278809},{"word":"a","start":1527.31,"end":1527.47,"confidence":0.9996306,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.47594714164733887},{"word":"problem","start":1527.47,"end":1527.79,"confidence":0.9999026,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.4512694478034973},{"word":"at","start":1527.79,"end":1528.03,"confidence":0.99978536,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.52572101354599},{"word":"all","start":1528.03,"end":1528.53,"confidence":0.9998634,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.5179742574691772},{"word":"easy","start":1530.75,"end":1531.15,"confidence":0.97210777,"punctuated_word":"Easy,","sentiment":"positive","sentiment_score":0.5296971797943115},{"word":"jesse","start":1531.15,"end":1531.63,"confidence":0.8915736,"punctuated_word":"Jesse.","sentiment":"positive","sentiment_score":0.48028045892715454},{"word":"the","start":1531.63,"end":1531.79,"confidence":0.99939907,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.5066210627555847},{"word":"email's","start":1531.79,"end":1532.1901,"confidence":0.8402474,"punctuated_word":"email's","sentiment":"positive","sentiment_score":0.4491481184959411},{"word":"there","start":1532.1901,"end":1532.43,"confidence":0.99750924,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3917818367481232},{"word":"for","start":1532.43,"end":1532.5901,"confidence":0.99990046,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3963930308818817},{"word":"you","start":1532.5901,"end":1532.8301,"confidence":0.9997542,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4164263010025024},{"word":"i'll","start":1532.8301,"end":1532.91,"confidence":0.99996376,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3981165885925293},{"word":"get","start":1532.91,"end":1533.15,"confidence":0.9999509,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.49722784757614136},{"word":"this","start":1533.15,"end":1533.31,"confidence":0.9990086,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.4131539463996887},{"word":"next","start":1533.31,"end":1533.63,"confidence":0.99971396,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.39722591638565063},{"word":"email","start":1533.63,"end":1533.9501,"confidence":0.9992048,"punctuated_word":"email","sentiment":"positive","sentiment_score":0.3451363742351532},{"word":"out","start":1533.9501,"end":1534.1901,"confidence":0.9911362,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4004722237586975},{"word":"with","start":1534.1901,"end":1534.27,"confidence":0.9996941,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.41160306334495544},{"word":"the","start":1534.27,"end":1534.75,"confidence":0.898477,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4430560171604157},{"word":"cjm","start":1534.75,"end":1535.25,"confidence":0.7978667,"punctuated_word":"CJM","sentiment":"neutral","sentiment_score":0.26364362239837646},{"word":"information","start":1535.31,"end":1535.81,"confidence":0.7608807,"punctuated_word":"information.","sentiment":"positive","sentiment_score":0.385067343711853},{"word":"and","start":1535.87,"end":1536.03,"confidence":0.9994985,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.36007213592529297},{"word":"if","start":1536.03,"end":1536.1901,"confidence":0.999318,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3203936219215393},{"word":"you","start":1536.1901,"end":1536.35,"confidence":0.99990237,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.33802706003189087},{"word":"have","start":1536.35,"end":1536.51,"confidence":0.9998323,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2697179317474365},{"word":"any","start":1536.51,"end":1536.75,"confidence":0.99937123,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.24795633554458615},{"word":"questions","start":1536.75,"end":1537.23,"confidence":0.9934212,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.20814694464206696},{"word":"just","start":1537.23,"end":1537.47,"confidence":0.99975127,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22612598538398743},{"word":"let","start":1537.47,"end":1537.63,"confidence":0.99990225,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.25809246301651},{"word":"me","start":1537.63,"end":1537.79,"confidence":0.99989676,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.29381540417671204},{"word":"know","start":1537.79,"end":1538.29,"confidence":0.99976903,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.26577654480934143},{"word":"easy","start":1540.0209,"end":1540.5209,"confidence":0.95335984,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.5966955423355103},{"word":"no","start":1540.6609,"end":1541.0609,"confidence":0.8768168,"punctuated_word":"No","sentiment":"positive","sentiment_score":0.5550292134284973},{"word":"worries","start":1541.0609,"end":1541.3809,"confidence":0.99967825,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.662070631980896},{"word":"you","start":1541.3809,"end":1541.5409,"confidence":0.99892765,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.7670115232467651},{"word":"have","start":1541.5409,"end":1541.7009,"confidence":0.99995315,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7706149220466614},{"word":"a","start":1541.7009,"end":1541.7809,"confidence":0.99966395,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7754316329956055},{"word":"good","start":1541.7809,"end":1542.0209,"confidence":0.9999554,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7395866513252258},{"word":"day","start":1542.0209,"end":1542.5209,"confidence":0.99988914,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.7612727880477905},{"word":"thanks","start":1543.8608,"end":1544.2609,"confidence":0.9960667,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.7936011552810669},{"word":"jessie","start":1544.2609,"end":1544.5809,"confidence":0.65056455,"punctuated_word":"Jessie.","sentiment":"positive","sentiment_score":0.7326500415802002},{"word":"see","start":1544.5809,"end":1544.7408,"confidence":0.99862885,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.5760149359703064},{"word":"you","start":1544.7408,"end":1544.9009,"confidence":0.9993394,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6826540231704712},{"word":"later","start":1544.9009,"end":1545.4009,"confidence":0.9992777,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":-0.11323736608028412}],"paragraphs":{"transcript":"\nHi, Jesse. It's Dana from Mercy Financial. How are you this afternoon? That's good. I had you booked in today just to run through your updated statement advice.\n\nDo you have some time now? Yeah. All good. How was fishing yesterday? Did you catch anything?\n\nOh, no. I all good. I do need to send through an email to you with the advice document there. Do you happen to have access to your emails at the moment, or did you just want me to run through the updated recommendations and you can review it later? What would you prefer?\n\nYeah. No. Not a problem at all. Jesse, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Moving forward, are you comfortable with that?\n\nYeah. Beautiful. And as to the security day with you as well, I do need to just confirm your full name, address, and date of birth I should have. Yep. Yep.\n\nBeautiful. Thank you so much for that. I have sent the documents through to your email address there as well. So when you do get some time later on, I'll get you to have a good review of those. Just run through the things that we've discussed today.\n\nLet me know if you do have any questions. If you're happy to proceed with the updated advice, we'll just get you to sign and return those back to me. Okay? Beautiful. Now this is sort of in relation to your last annual review that you have completed there.\n\nWe did look at just wanting to update the advice. You wanted to retain the insurances that you did have within BusQ there, and we just need to sort of update to reflect the the retention strategy to make sure it was all still working for you. I did go back and have a look at the investments as well. There has been some changes in market conditions, so we have made some alterations to the investments, and I'll go through those recommendations as well. Okay?\n\nWhen you first look at this front the front page there, it will not statement the device with your lovely name on the front there, and it also has my name. So the advice was provided by myself and my beautiful team here at Oakview Financial. My authorized representative number with ASIC is 1304394, and you'll see that there you can also look us up. It's important that I do note that any advice provided has been provided under your under best interest. We're here to help you working towards your financial goals.\n\nWith this advice, since we are working towards your super goals at the moment, though you still have a lot of time ahead of you. Okay? With the scope of the advice for this one here, we have scoped it to superannuation, so you're hoping to be able to retire at the age of 60. We did discuss a rep an average income of about $1,000 per week in retirement. We know that could definitely change down the track there, but this is essentially the goal we are working towards at the moment there for you.\n\nI've also factored in the estate planning side of things for you. So it looks like we don't have beneficiaries on file, so we wanna make sure that they are up to date and reflect your wishes. Okay? Where we are not sort of seeking advice or limited advice areas is the personal insurance side of things. So if you are happy with the level of cover that you had, you didn't really wanna change anything, you had noted that it adequately suited your needs for the time being, we can always review that down the track if you would like to.\n\nBut for the moment, we are reflective just retaining those insurances and in relation to those now. Okay? Areas that were scoped out is regards to trauma and cash on budgeting. So you were trying to save some money on a regular basis. I know it has been a bit difficult with the the way, yeah, every cost of living has been going.\n\nWe're not making any additional recommendations or providing advice in the way of cash flow and budgeting or trauma insurances. You were comfortable not having trauma at this point in time. We can look and provide additional advice in those areas down the track if you would like us to. You're right. Sorry.\n\nSo trauma is an out of pocket cost, and it covers you for things like heart attacks, certain strokes, Parkinson's, neurological conditions, cancer's probably a big one. You can be covered for as little as, you know, $50,000, or you can have a certain amount to cover any particular goal you have, whether it be your mortgage or just a couple of years of income replacement. It is an out of pocket. It cost when we spoke last time you didn't really wanna look at doing that. But if you do wanna down the track, you absolutely can.\n\nWe can talk about it, and we can always update the advice to reflect. It's up to you. Yeah. That's okay. It's not a problem at all.\n\nThis is a limited advice document, so we do scope in and out areas that we are providing advice on and those that we are not. I'll get you to have a read to that document prior to signing it. If you do find you have additional questions, you are welcome to let me know there. Okay? When it comes to this working of as a will and power of attorney and things like that, we can refer you a solicitor for the drafting of those documents.\n\nHowever, we are not solicited, so we can't draft them for you. We do provide advice around insurances like life, safety, and income protection. However, we don't cover insurances around home motor, home incontents, and certain business liability insurances. They're more general, and we can refer you to a general insurance broker should you need one. And it's also important that I do know that we can, under our license, provide tax financial advice.\n\nHowever, we're not accountants, so we can refer you to an accountant should you need one, but we don't do your tax return for you. Okay? Beautiful. As you're going through that one, you'll see we have got your assets and liabilities noted there. Just when you rise over those, when you do see them, if there's any major changes, please let me know.\n\nIf this is all as per your last annual review, I know there can be some fluctuations and changes in those. The changes in the assets and liabilities has no reflection on the advice, which is good, but it's also good to have our records up to date for you. Okay? To make it nice and easy, essentially, with the recommendations, what I am recommending is that we do retain both your super funds at the moment, the BASQ and the HUB twenty four super funds. Retaining the bus queue and rolling over all but 10,000, leaving 10,000 in bus queue there to retain your insurances in place.\n\nYou'll continue to make your contributions from your employer into your bus queue fund, and then we'll just, every year when we do reviews with you, roll over all but 10,000. So most of your money is in hub twenty four working harder there for you. Okay? I do wish to also make sure we have an opt in in place. So we'll make sure that we do have that signed.\n\nIt doesn't look like there is one apply, but an opt in, essentially, if anything happens and you were to stop working for a period of time or not get contributions, just acts as a secondary security to make sure your insurance is staying in force for you. Okay? When we looked at the investments within the different funds there, the between the two funds, you are, sorry, invested in a high growth portfolio, which is where your comfort level's at. However, we have seen in hub twenty four that there is a couple of options that we wanted to remove out. So you have the Benelon Australian equity, sorry, portion in your Hub twenty four account that we are going to sell completely.\n\nUnfortunately, in the last few months, Benelon has had some underlying issues with some of the investments they have invested in, and they have now been underperforming. So we flagged that when we did the advice for you, and we just wanna have that removed out of there. There's no point having underperforming funds there. So we are gonna sell off all of the Bannalong. We're also selling off all of the bank hybrids for you.\n\nThey are being phased out in the future. And then we're just gonna rebalance your battery and lithium tech and your physical gold there so that your portfolio remains in line with your high growth portfolio. Because we're removing all of the BAN along Australian equities due to having been underperformed, we're actually gonna buy into the beta shares Australian 200. So this is more of a passively managed fund. It's still giving you access to the top 200 companies in Australia.\n\nIt's still giving you Australian equities exposure. It's actually just a bit cheaper as a fund, which means you actually do reduce the investment cost that you'll be paying for, and it's it has performed greater over the past. So we hope that it does better in the future, but it kind of underperformed as much as Benelon has recently as well. By removing the bank hybrids, that's more of a defensive sort of lower risk investment. We are gonna keep and move the money into what the iShares core composite bond.\n\nIt is just giving you a bit of the sorry. It is just making sure and giving you a bit of the the defensive investments, which is there for lower risk and for income producing. So, essentially, making those small changes to your portfolio has a much greater difference there. It keeps you invested in line with the the growth portfolio that you're after, the asset allocation that you're after. But when I looked at the phase of make making these differences, by removing the underperforming investment and making a bit of a rebalance there, we can actually see that we save you about $463 on investment fees, which is fantastic to see.\n\nSo it's really important that sorry. You're right. Yeah. Yeah. So we're selling off some of the investments and rebalancing other ones and moving the money into other investments.\n\nYes. There can be. The portfolio we have you in may have some of those in the underlying, but we haven't specifically focused on those sorts of areas because they are seen as extremely risky. They are very volatile as well. So we kinda stick to investments that have seen a greater track record that have gone through the market ups and downs and the volatility that we have seen through.\n\nWhen you sort of have a look at this, you'll look there at page number 19. You'll see exactly what we have you in. But, realistically, once we kind of finish this, you'll see about 7% of your portfolio invested in battery and lithium tech to still give you good access to those other sorts of minerals there and tech sector. You'll have 6% of physical gold because gold has still done really well. It is still very good to hold on to.\n\nYou'll have 7% in cybersecurity, which is still a great area to see. You'll have some funds in the iShares core composite bond. We'll also see the S and P 500 because The US is still a really good place to be invested in even though it is seeing the volatility at the moment. We'll still see some VanEck properties. The property is a great asset for diversification.\n\nYou'll see some Rafi 200 there, so giving you exposure to high, low, and mid stock companies on the ASX. And then the beta shares a 200, so giving you access to the top 200 companies in Australia there. So it's about making sure that you are invested in a portfolio that has seen a great track record. This portfolio that we're moving into is saving you investment fees. When we did the research to change the portfolio, you'll see in the investment table, we can actually save you $463 in investment fees for the year.\n\nSo you'll be paying $463 less in investment fees out of your super fund, which means more money stays there invested for you. Okay? With your bus queue sorry. You're right? Yeah.\n\nWow. That's insane, isn't it? That's crazy. Wow. Yeah.\n\nWow. That is pretty cool. That is pretty cool. Yeah. Absolutely.\n\nAbsolutely. We'll also just not make any changes to your Basque. You're in a high growth portfolio in Basque. There's no need to change the investments within there by leaving 10,000 in there. And looking at the aligned asset allocation between the two funds, it still works within the portfolio you're after and gives you the asset allocation in line with your risk tolerance.\n\nOkay? The other really good thing to note is that the difference in the performance. So by making those changes to your to your investment profiles within your super fund and altering, you know, re switching the underlying investments that haven't been performing very well and rebalancing your portfolio. The newer portfolio has actually seen a greater average return over the past three to five years than your current portfolio has. So if the market performs the way it has moving forward, then we can definitely see you in a greater position by making these changes as well as lowering the investment fees, which is important as well.\n\nOkay? Beautiful. I've also made a recommendation that with your beneficiary nominations, with your hub twenty four, that we do add a binding, non lapsing beneficiary nomination onto your spouse. This essentially means that you've found the trustee to follow your direction, and non lapsing means you only have to fill the form out once, which is positive. At the moment, we don't have any beneficiary nominations applied.\n\nSo if in the event you would have passed away, your super fund has to go through a bit of a probate process. So having the beneficiary nominations in place are really there for to protect you and your family. So if anything did happen to you, your partner can then come back and claim the funds, and it's a much easier process. Everything gets handed to her to continue looking after your family. With bus queue, they don't allow a binding, non lapsing option.\n\nThey have a binding lapsing, which means it has to be updated every three years. We will help and organize to make sure the nomination is set up and completed correctly, and then we will keep a record on file of exactly when that nomination lapses so we can help you to have it refilled out every couple of years. Okay? It's also really important we do kind of go through and make sure that you do also set up a will and power of attorney. I have made a recommendation in here that if you haven't got a solicitor that we can certainly refer you through to one, And that just setting up a will and power of attorney is really important for all the other assets you have, your cars, your savings, and things like that.\n\nSo your sleepers and in life insurance is covered by the beneficiary nominations, but everything else needs to be done through the estate planning and having a will. And a power of attorney is really important as well because if you weren't able to make medical or financial decisions for yourself, having someone nominated that you trust and that knows what your wishes are to act on your behalf is really important as well. Okay? Oh, good. Look.\n\nThat is basically all I kind of needed to go through with you. It is a lot, and I do apologize. I do have sent the email to you. So have a read through the document, have a look at the changes that we are making there. It's really important.\n\nBenelung has been underperforming, so we do wanna get that out of your out of your super funds really quickly. So if you can have a look through that one and sign it and return it back to me, I can have the changes made in your portfolio ASAP. The only other thing I probably forgot to make mention of was the CGT. So by making these changes, we did check the capital gains consequences, and it looks like there's absolutely none. So because Benelon has been underperforming, it offsets any capital gains that would be made by altering the rest of your portfolio.\n\nSo there's no CGT consequences there for your fund, which is a positive sign for yourself. And sorry. One more thing. And, yeah, just retaining bus queue to make sure your insurances remain in place until you need to alter or change those moving forward. We still keep any reviews and wanna make sure we do catch ups with you to make sure you stay on track in meeting your goals, and that we're working forward and altering this advice regularly with you as well.\n\nThere's no implementation or upfront fees for the advice we do provide. It is all part of you being an ongoing service client, so you pay an ongoing service fee for our services for having us look after everything for you. And so it means that we provide all this advice for you. Basically, complimentary. It's all part of the service that we provide in trying to keep you on track.\n\nOkay? Easy. Yeah. Okay. Yeah.\n\nYeah. So you wanna do compassionate grounds? Yeah. Yeah. Oh, no.\n\nYeah. Right. Yeah. Yeah. Yeah.\n\nYeah. No. Fair enough. So you absolutely can. Have you spoken to a dentist and gotten a quote on how much it's gonna cost you?\n\nYeah. That's okay. What I'll get you to do is in order to to do pack Compassionate Grounds, you essentially need to be able to get a quote on how much it's gonna cost to have the work done. So contact dentists and find out how much it's gonna be, get them to print you out a quote, and then you just apply for Compassionate grounds through your myGov account. It goes direct to the ATO.\n\nThey're just wanting to make sure and confirm that you can't pay for this any other way. And as long as you've got the evidence of how much it's gonna cost, they'll look at the the eligibility for you and haven't seen a lot of them unapproved not approved. But they'll just want the quote to show how much it's gonna cost that you, you know, you're telling them you can't to the pay if there's any other way, and the ATO made the decision. They if they approve the claim, we'll let your super fund know, and your super fund will let us know, and then we'll be able to make sure we help you with the withdrawal out. Because you are under because you are under the age of 60, your super fund can and does withhold tax for the withdrawal because there is technically, the amount pulled out of super is considered part of your assessable income.\n\nIt's added to your assessable income, but your tax sorry. You're at no. You can't. No. No.\n\nNo. The the amount you withdraw out of your super fund on the compassionate grounds is added to your assessable income. But the super fund withholds a certain amount of tax, so it's part of your assessable income, but it's not your assessable taxable income. It's a little bit confusing the way they do it. The super fund works out or the ACO and the super fund work out essentially how much tax should be paid on that, and they try to withhold the amount required.\n\nAnd then if there's any additional adjustments to tax time, then that can be made. But they normally hold up with the up to 22%, so they do hold a larger amount of tax. And you still get the amount you need. They work out how much you need, the tax on top of that, so you can still draw down the amount you need to have the work done. Does that make sense?\n\nYeah. It's a little bit confusing. But, essentially, all you need to do first is go and see your dentist, get them to do you up a quote to show how much it's gonna cost to get the work done, and then go into your myGov account, and you'll apply for Compassionate Grounds through your myGov account. And then from there, the ACO will assess it for you. They'll let the Superfund know when they approve it, and the Superfund will contact us because we look after it for you, and we'll help you with the withdrawal.\n\nOkay? Yeah. Oh, good. Did you have any other questions? I know it's a lot to kinda go through when you're not looking at the advice document.\n\nBut when you've got some time, if you can open up your email, sit down, have a really good look at that one for me. Let me know if there is any questions in relation to any of it, and if you're just happy to go ahead and make those changes, I'll just get you to, sign it and send it back to me. Okay? Easy. Do you have any questions at the moment at all, Jesse?\n\nFor power of attorney? Yeah. Really good question. We do have some information on a local solicitor, so CJM. If you like, I can send that email to you after the call.\n\nIt's just it's not really an introduction. It's more just giving you their information. I can send the costing through what it cost to do up a will and power of attorney so you can kinda have a look at that. Would that be okay? Hi.\n\nGood. Thanks. How are you? Yeah. Okay.\n\nYeah. Yes. Yeah. Absolutely. Yes.\n\nSo sorry. I the phone cut out a little bit. We're about to be doing the free will through. Yeah. That's okay.\n\nSafe will. Okay. That's okay. You've got a good missus. I'll tell you what.\n\nAs long as you can catch the fish, you'll be right. Yeah. That's okay. So I'm just having a quick look at them now. Okay.\n\nYeah. So SafeWell is currently offering free wills online. They're usually about a $160. They did them in Australia and New Zealand. It's often in partnership with certain charities during the promotional weeks.\n\nThe legal solicitor reviewed wills can be created under twenty minutes and free updates available once a year. So it's honestly fine. It does look like they do have them reviewed by a solicitor. As long as the directions are followed, these are the will kits that are absolutely great to do. They can be more cost effective than going and seeing a solicitor.\n\nHowever, they can also be a little bit more contestable. So just making sure that you are following the instructions that you do have them, you know, signed and witnessed and lodged correctly, then they can be absolutely fine. I would definitely suggest print out a copy. Once it's all been lodged and signed and witnessed, if they send you a a final copy, put it out somewhere and let, you know, your beneficiaries know where it's located. So if anything does happen to you, they know where to go to get your will, and what's in it and things like that.\n\nSo the biggest thing comes down to communication with your family members and your beneficiaries. But these safe wills are often quite good. It's just about promoting trying to get estate planning working because a lot of people don't have any of this done, and so many people do pass away with no estate planning, no wills set up, and then everything goes through probate. And it's probably one of the hardest times for your family to go through. But from what I'm looking at here, there's nothing wrong with that in any way, shape, or form.\n\nIt is solicited or reviewed. It's just utilizing the websites and trying to sort of promote getting the estate planning working for you guys. Yeah. Yeah. Yes.\n\nYep. Yes. Yeah. Yeah. Yeah.\n\nYeah. No. It is really one of the most important things to do. We, unfortunately, as financial advisers, do see a lot of the estate planning side of things, and we do deal with a lot of the estates after people have passed away. And it is a really difficult time for most people.\n\nMost people don't have a will in place or have never really thought about having a will in place. And going through probate is a long lengthy and can be a costly pros a process. So you're definitely doing the right thing. Would you still like me just to send that referral email through to you just to give you an idea on on how CGM what CGM do and the costing of a will on their end? Yeah.\n\nAbsolutely. Perfect. I'll get that one done up for you now, and I'll shoot that through to Jesse's email for you. Yes. From it looks like there isn't one on there.\n\nSo with the recommendations I'm making, we are making the recommendation that he update those, and we will make sure and help him to have them filled out. Yeah. So we'll we'll get the beneficiaries all done up and send them to him, and then he's just gonna get them signed and witness them back to us, and we'll have them applied to each of those funds. Yeah. That's okay.\n\nNot a problem at all. Easy, Jesse. The email's there for you. I'll get this next email out with the CJM information. And if you have any questions, just let me know.\n\nEasy. No worries. You have a good day. Thanks, Jessie. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Jesse.","start":2.3999999,"end":3.04,"sentiment":"neutral","sentiment_score":0.1936548575758934},{"text":"It's Dana from Mercy Financial.","start":3.04,"end":4.5,"sentiment":"neutral","sentiment_score":0.20987131893634797},{"text":"How are you this afternoon?","start":4.64,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.2843788266181946},{"text":"That's good.","start":7.52,"end":8.24,"sentiment":"positive","sentiment_score":0.69786337018013},{"text":"I had you booked in today just to run through your updated statement advice.","start":8.24,"end":11.36,"sentiment":"neutral","sentiment_score":0.28406112641096115}],"sentiment":"neutral","sentiment_score":0.29396939117993626,"num_words":28,"start":2.3999999,"end":11.36},{"sentences":[{"text":"Do you have some time now?","start":11.36,"end":12.82,"sentiment":"neutral","sentiment_score":0.09183697650829951},{"text":"Yeah.","start":14.095,"end":14.495001,"sentiment":"neutral","sentiment_score":0.15568983554840088},{"text":"All good.","start":14.495001,"end":15.055,"sentiment":"neutral","sentiment_score":0.3006574213504791},{"text":"How was fishing yesterday?","start":15.055,"end":16.175,"sentiment":"neutral","sentiment_score":0.15830670669674873},{"text":"Did you catch anything?","start":16.175,"end":17.155,"sentiment":"neutral","sentiment_score":0.04999369289726019}],"sentiment":"neutral","sentiment_score":0.12595459621618776,"num_words":17,"start":11.36,"end":17.155},{"sentences":[{"text":"Oh, no.","start":19.855,"end":21.155,"sentiment":"neutral","sentiment_score":-0.12596973776817322},{"text":"I all good.","start":21.335,"end":22.915,"sentiment":"neutral","sentiment_score":0.026246540248394012},{"text":"I do need to send through an email to you with the advice document there.","start":23.135,"end":25.89,"sentiment":"neutral","sentiment_score":0.015431859716773032},{"text":"Do you happen to have access to your emails at the moment, or did you just want me to run through the updated recommendations and you can review it later?","start":25.89,"end":32.13,"sentiment":"neutral","sentiment_score":0.009710207271079222},{"text":"What would you prefer?","start":32.13,"end":33.19,"sentiment":"neutral","sentiment_score":-0.015561025124043226}],"sentiment":"neutral","sentiment_score":0.0053211140480858305,"num_words":54,"start":19.855,"end":33.19},{"sentences":[{"text":"Yeah.","start":36.45,"end":36.77,"sentiment":"neutral","sentiment_score":0.016871998086571693},{"text":"No.","start":36.77,"end":37.09,"sentiment":"neutral","sentiment_score":0.06062394380569458},{"text":"Not a problem at all.","start":37.09,"end":38.47,"sentiment":"neutral","sentiment_score":0.1561259150505066},{"text":"Jesse, before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":38.77,"end":43.295,"sentiment":"neutral","sentiment_score":0.07916544208472426},{"text":"Moving forward, are you comfortable with that?","start":43.355,"end":45.295,"sentiment":"neutral","sentiment_score":0.07994861847587995}],"sentiment":"neutral","sentiment_score":0.08776126589833035,"num_words":36,"start":36.45,"end":45.295},{"sentences":[{"text":"Yeah.","start":46.635,"end":47.035,"sentiment":"neutral","sentiment_score":0.1907244622707367},{"text":"Beautiful.","start":47.035,"end":47.355,"sentiment":"positive","sentiment_score":0.33569806814193726},{"text":"And as to the security day with you as well, I do need to just confirm your full name, address, and date of birth I should have.","start":47.355,"end":53.214996,"sentiment":"neutral","sentiment_score":0.12695924827346095},{"text":"Yep.","start":56.45,"end":56.95,"sentiment":"neutral","sentiment_score":0.03325384855270386},{"text":"Yep.","start":58.77,"end":59.27,"sentiment":"neutral","sentiment_score":0.03424380347132683}],"sentiment":"neutral","sentiment_score":0.1297361253490371,"num_words":31,"start":46.635,"end":59.27},{"sentences":[{"text":"Beautiful.","start":61.809998,"end":62.29,"sentiment":"positive","sentiment_score":0.4075767397880554},{"text":"Thank you so much for that.","start":62.29,"end":63.75,"sentiment":"positive","sentiment_score":0.5706787407398224},{"text":"I have sent the documents through to your email address there as well.","start":63.809998,"end":66.69,"sentiment":"positive","sentiment_score":0.40203522260372454},{"text":"So when you do get some time later on, I'll get you to have a good review of those.","start":66.69,"end":70.455,"sentiment":"positive","sentiment_score":0.3641638834225504},{"text":"Just run through the things that we've discussed today.","start":70.755005,"end":72.855,"sentiment":"neutral","sentiment_score":0.3134500053193834}],"sentiment":"positive","sentiment_score":0.39163064397871494,"num_words":48,"start":61.809998,"end":72.855},{"sentences":[{"text":"Let me know if you do have any questions.","start":73.155,"end":74.675,"sentiment":"neutral","sentiment_score":0.23872288895977867},{"text":"If you're happy to proceed with the updated advice, we'll just get you to sign and return those back to me.","start":74.675,"end":79.075005,"sentiment":"neutral","sentiment_score":0.26039810123897733},{"text":"Okay?","start":79.075005,"end":79.575005,"sentiment":"neutral","sentiment_score":0.1238708570599556},{"text":"Beautiful.","start":81.759995,"end":82.159996,"sentiment":"positive","sentiment_score":0.3696936368942261},{"text":"Now this is sort of in relation to your last annual review that you have completed there.","start":82.159996,"end":86.0,"sentiment":"neutral","sentiment_score":0.1744062173015931}],"sentiment":"neutral","sentiment_score":0.22602727172934278,"num_words":49,"start":73.155,"end":86.0},{"sentences":[{"text":"We did look at just wanting to update the advice.","start":86.0,"end":88.32,"sentiment":"neutral","sentiment_score":0.14586898386478425},{"text":"You wanted to retain the insurances that you did have within BusQ there, and we just need to sort of update to reflect the the retention strategy to make sure it was all still working for you.","start":88.32,"end":98.454994,"sentiment":"neutral","sentiment_score":0.22044611742367615},{"text":"I did go back and have a look at the investments as well.","start":98.835,"end":101.235,"sentiment":"neutral","sentiment_score":0.10786079328793746},{"text":"There has been some changes in market conditions, so we have made some alterations to the investments, and I'll go through those recommendations as well.","start":101.235,"end":108.034996,"sentiment":"neutral","sentiment_score":0.09458495169878006},{"text":"Okay?","start":108.034996,"end":108.534996,"sentiment":"neutral","sentiment_score":0.07381132245063782}],"sentiment":"neutral","sentiment_score":0.1564630419882231,"num_words":86,"start":86.0,"end":108.534996},{"sentences":[{"text":"When you first look at this front the front page there, it will not statement the device with your lovely name on the front there, and it also has my name.","start":109.93,"end":116.25,"sentiment":"neutral","sentiment_score":0.08823870458910542},{"text":"So the advice was provided by myself and my beautiful team here at Oakview Financial.","start":116.25,"end":120.27,"sentiment":"neutral","sentiment_score":0.317511052886645},{"text":"My authorized representative number with ASIC is 1304394, and you'll see that there you can also look us up.","start":120.81,"end":128.16501,"sentiment":"neutral","sentiment_score":0.17187322833036123},{"text":"It's important that I do note that any advice provided has been provided under your under best interest.","start":128.465,"end":133.025,"sentiment":"neutral","sentiment_score":0.18423537247710758},{"text":"We're here to help you working towards your financial goals.","start":133.025,"end":136.18001,"sentiment":"positive","sentiment_score":0.5721603721380234}],"sentiment":"neutral","sentiment_score":0.2129193268796449,"num_words":93,"start":109.93,"end":136.18001},{"sentences":[{"text":"With this advice, since we are working towards your super goals at the moment, though you still have a lot of time ahead of you.","start":136.48001,"end":141.76001,"sentiment":"neutral","sentiment_score":0.1807893270254135},{"text":"Okay?","start":141.76001,"end":142.26001,"sentiment":"neutral","sentiment_score":0.11082017421722412},{"text":"With the scope of the advice for this one here, we have scoped it to superannuation, so you're hoping to be able to retire at the age of 60.","start":144.88,"end":151.71501,"sentiment":"neutral","sentiment_score":0.2009654502416479},{"text":"We did discuss a rep an average income of about $1,000 per week in retirement.","start":151.85501,"end":156.675,"sentiment":"neutral","sentiment_score":0.19137975176175434},{"text":"We know that could definitely change down the track there, but this is essentially the goal we are working towards at the moment there for you.","start":156.815,"end":163.08,"sentiment":"neutral","sentiment_score":0.3134538783476903}],"sentiment":"neutral","sentiment_score":0.22374008875340223,"num_words":96,"start":136.48001,"end":163.08},{"sentences":[{"text":"I've also factored in the estate planning side of things for you.","start":163.40001,"end":166.2,"sentiment":"neutral","sentiment_score":0.25076383352279663},{"text":"So it looks like we don't have beneficiaries on file, so we wanna make sure that they are up to date and reflect your wishes.","start":166.2,"end":171.74,"sentiment":"neutral","sentiment_score":0.20121628254652024},{"text":"Okay?","start":171.96,"end":172.46,"sentiment":"neutral","sentiment_score":0.046498753130435944},{"text":"Where we are not sort of seeking advice or limited advice areas is the personal insurance side of things.","start":173.72,"end":178.905,"sentiment":"neutral","sentiment_score":-0.09974574140812222},{"text":"So if you are happy with the level of cover that you had, you didn't really wanna change anything, you had noted that it adequately suited your needs for the time being, we can always review that down the track if you would like to.","start":178.905,"end":190.025,"sentiment":"neutral","sentiment_score":0.008598314225673675}],"sentiment":"neutral","sentiment_score":0.06448849874968622,"num_words":102,"start":163.40001,"end":190.025},{"sentences":[{"text":"But for the moment, we are reflective just retaining those insurances and in relation to those now.","start":190.025,"end":196.69,"sentiment":"neutral","sentiment_score":-0.052493556676542055},{"text":"Okay?","start":196.69,"end":197.19,"sentiment":"neutral","sentiment_score":-0.03644762188196182},{"text":"Areas that were scoped out is regards to trauma and cash on budgeting.","start":199.01001,"end":202.77,"sentiment":"neutral","sentiment_score":-0.1485912284025779},{"text":"So you were trying to save some money on a regular basis.","start":202.77,"end":205.25,"sentiment":"neutral","sentiment_score":-0.12824812841912112},{"text":"I know it has been a bit difficult with the the way, yeah, every cost of living has been going.","start":205.25,"end":210.125,"sentiment":"negative","sentiment_score":-0.4137705206871033}],"sentiment":"neutral","sentiment_score":-0.20118907951409853,"num_words":63,"start":190.025,"end":210.125},{"sentences":[{"text":"We're not making any additional recommendations or providing advice in the way of cash flow and budgeting or trauma insurances.","start":210.50499,"end":216.125,"sentiment":"negative","sentiment_score":-0.41624499261379244},{"text":"You were comfortable not having trauma at this point in time.","start":216.265,"end":219.325,"sentiment":"neutral","sentiment_score":-0.310503981330178},{"text":"We can look and provide additional advice in those areas down the track if you would like us to.","start":219.625,"end":224.36499,"sentiment":"neutral","sentiment_score":0.0030137414210721068},{"text":"You're right.","start":224.52,"end":225.26001,"sentiment":"neutral","sentiment_score":-0.02015447709709406},{"text":"Sorry.","start":227.72,"end":228.12001,"sentiment":"neutral","sentiment_score":-0.31878626346588135}],"sentiment":"neutral","sentiment_score":-0.22721278825599067,"num_words":53,"start":210.50499,"end":228.12001},{"sentences":[{"text":"So trauma is an out of pocket cost, and it covers you for things like heart attacks, certain strokes, Parkinson's, neurological conditions, cancer's probably a big one.","start":228.12001,"end":237.74,"sentiment":"neutral","sentiment_score":-0.27258602446979946},{"text":"You can be covered for as little as, you know, $50,000, or you can have a certain amount to cover any particular goal you have, whether it be your mortgage or just a couple of years of income replacement.","start":238.245,"end":250.105,"sentiment":"neutral","sentiment_score":0.0644631863404543},{"text":"It is an out of pocket.","start":250.6,"end":251.72,"sentiment":"neutral","sentiment_score":-0.2345015605290731},{"text":"It cost when we spoke last time you didn't really wanna look at doing that.","start":251.72,"end":254.94,"sentiment":"neutral","sentiment_score":-0.15059633155663807},{"text":"But if you do wanna down the track, you absolutely can.","start":255.48,"end":258.04,"sentiment":"positive","sentiment_score":0.38509808480739594}],"sentiment":"neutral","sentiment_score":-0.043628916296423695,"num_words":98,"start":228.12001,"end":258.04},{"sentences":[{"text":"We can talk about it, and we can always update the advice to reflect.","start":258.04,"end":261.34,"sentiment":"neutral","sentiment_score":0.30225597428424017},{"text":"It's up to you.","start":261.4,"end":262.38,"sentiment":"neutral","sentiment_score":0.2211502008140087},{"text":"Yeah.","start":265.25497,"end":265.655,"sentiment":"neutral","sentiment_score":0.022058650851249695},{"text":"That's okay.","start":265.655,"end":266.47498,"sentiment":"neutral","sentiment_score":0.2079526111483574},{"text":"It's not a problem at all.","start":266.615,"end":268.395,"sentiment":"neutral","sentiment_score":0.2884129583835602}],"sentiment":"neutral","sentiment_score":0.2698009654327675,"num_words":27,"start":258.04,"end":268.395},{"sentences":[{"text":"This is a limited advice document, so we do scope in and out areas that we are providing advice on and those that we are not.","start":269.25497,"end":275.97,"sentiment":"neutral","sentiment_score":0.13677525033171362},{"text":"I'll get you to have a read to that document prior to signing it.","start":276.21,"end":279.09,"sentiment":"neutral","sentiment_score":0.13734748374138558},{"text":"If you do find you have additional questions, you are welcome to let me know there.","start":279.09,"end":282.77,"sentiment":"neutral","sentiment_score":0.17847394477576017},{"text":"Okay?","start":282.77,"end":283.27,"sentiment":"neutral","sentiment_score":0.11455755680799484},{"text":"When it comes to this working of as a will and power of attorney and things like that, we can refer you a solicitor for the drafting of those documents.","start":284.29,"end":291.695,"sentiment":"neutral","sentiment_score":0.08281698673963547}],"sentiment":"neutral","sentiment_score":0.12567438570589856,"num_words":87,"start":269.25497,"end":291.695},{"sentences":[{"text":"However, we are not solicited, so we can't draft them for you.","start":291.755,"end":295.855,"sentiment":"neutral","sentiment_score":-0.02835338159153859},{"text":"We do provide advice around insurances like life, safety, and income protection.","start":296.075,"end":300.015,"sentiment":"neutral","sentiment_score":0.06842121823380391},{"text":"However, we don't cover insurances around home motor, home incontents, and certain business liability insurances.","start":300.075,"end":306.68002,"sentiment":"neutral","sentiment_score":-0.05885735352834066},{"text":"They're more general, and we can refer you to a general insurance broker should you need one.","start":306.68002,"end":312.06,"sentiment":"neutral","sentiment_score":0.040413252297131455},{"text":"And it's also important that I do know that we can, under our license, provide tax financial advice.","start":312.92,"end":317.635,"sentiment":"neutral","sentiment_score":0.12990131187770101}],"sentiment":"neutral","sentiment_score":0.03544868431935037,"num_words":74,"start":291.755,"end":317.635},{"sentences":[{"text":"However, we're not accountants, so we can refer you to an accountant should you need one, but we don't do your tax return for you.","start":317.635,"end":323.95502,"sentiment":"neutral","sentiment_score":0.02064735133200884},{"text":"Okay?","start":323.95502,"end":324.45502,"sentiment":"neutral","sentiment_score":0.10270177572965622},{"text":"Beautiful.","start":325.395,"end":325.895,"sentiment":"positive","sentiment_score":0.4761929214000702},{"text":"As you're going through that one, you'll see we have got your assets and liabilities noted there.","start":326.195,"end":330.195,"sentiment":"neutral","sentiment_score":0.17677313352332397},{"text":"Just when you rise over those, when you do see them, if there's any major changes, please let me know.","start":330.195,"end":334.02002,"sentiment":"neutral","sentiment_score":0.09478839132934809}],"sentiment":"neutral","sentiment_score":0.09368733713927213,"num_words":64,"start":317.635,"end":334.02002},{"sentences":[{"text":"If this is all as per your last annual review, I know there can be some fluctuations and changes in those.","start":334.02002,"end":339.48,"sentiment":"neutral","sentiment_score":0.02775500009634665},{"text":"The changes in the assets and liabilities has no reflection on the advice, which is good, but it's also good to have our records up to date for you.","start":340.02002,"end":347.595,"sentiment":"positive","sentiment_score":0.4124801793488963},{"text":"Okay?","start":347.655,"end":348.155,"sentiment":"neutral","sentiment_score":0.16900643706321716},{"text":"To make it nice and easy, essentially, with the recommendations, what I am recommending is that we do retain both your super funds at the moment, the BASQ and the HUB twenty four super funds.","start":349.495,"end":358.155,"sentiment":"positive","sentiment_score":0.3441040907587324},{"text":"Retaining the bus queue and rolling over all but 10,000, leaving 10,000 in bus queue there to retain your insurances in place.","start":358.71002,"end":366.17,"sentiment":"positive","sentiment_score":0.3938992389223792}],"sentiment":"neutral","sentiment_score":0.30947419512085617,"num_words":108,"start":334.02002,"end":366.17},{"sentences":[{"text":"You'll continue to make your contributions from your employer into your bus queue fund, and then we'll just, every year when we do reviews with you, roll over all but 10,000.","start":366.23,"end":374.515,"sentiment":"neutral","sentiment_score":0.3051973057370032},{"text":"So most of your money is in hub twenty four working harder there for you.","start":374.515,"end":378.195,"sentiment":"neutral","sentiment_score":0.2799623876810074},{"text":"Okay?","start":378.195,"end":378.695,"sentiment":"neutral","sentiment_score":0.18652215600013733},{"text":"I do wish to also make sure we have an opt in in place.","start":380.11502,"end":382.755,"sentiment":"neutral","sentiment_score":0.22176740424973623},{"text":"So we'll make sure that we do have that signed.","start":382.755,"end":384.93,"sentiment":"neutral","sentiment_score":0.20892039090394973}],"sentiment":"neutral","sentiment_score":0.26818340869856555,"num_words":71,"start":366.23,"end":384.93},{"sentences":[{"text":"It doesn't look like there is one apply, but an opt in, essentially, if anything happens and you were to stop working for a period of time or not get contributions, just acts as a secondary security to make sure your insurance is staying in force for you.","start":385.72998,"end":399.33,"sentiment":"neutral","sentiment_score":0.1634643777894477},{"text":"Okay?","start":399.33,"end":399.83,"sentiment":"neutral","sentiment_score":0.06104237586259842},{"text":"When we looked at the investments within the different funds there, the between the two funds, you are, sorry, invested in a high growth portfolio, which is where your comfort level's at.","start":401.435,"end":411.455,"sentiment":"neutral","sentiment_score":0.027024646406061947},{"text":"However, we have seen in hub twenty four that there is a couple of options that we wanted to remove out.","start":411.51498,"end":416.13,"sentiment":"neutral","sentiment_score":-0.1583278938418343},{"text":"So you have the Benelon Australian equity, sorry, portion in your Hub twenty four account that we are going to sell completely.","start":416.69,"end":424.37,"sentiment":"neutral","sentiment_score":-0.07482404515824535}],"sentiment":"neutral","sentiment_score":0.030654084117662524,"num_words":124,"start":385.72998,"end":424.37},{"sentences":[{"text":"Unfortunately, in the last few months, Benelon has had some underlying issues with some of the investments they have invested in, and they have now been underperforming.","start":424.37,"end":431.715,"sentiment":"negative","sentiment_score":-0.37429121136665344},{"text":"So we flagged that when we did the advice for you, and we just wanna have that removed out of there.","start":432.095,"end":437.455,"sentiment":"neutral","sentiment_score":-0.26052005872839973},{"text":"There's no point having underperforming funds there.","start":437.455,"end":440.195,"sentiment":"negative","sentiment_score":-0.4495461455413273},{"text":"So we are gonna sell off all of the Bannalong.","start":440.255,"end":442.435,"sentiment":"neutral","sentiment_score":-0.27875264585018156},{"text":"We're also selling off all of the bank hybrids for you.","start":442.84998,"end":445.41,"sentiment":"neutral","sentiment_score":-0.1918271698734977}],"sentiment":"neutral","sentiment_score":-0.31080568797494235,"num_words":76,"start":424.37,"end":445.41},{"sentences":[{"text":"They are being phased out in the future.","start":445.41,"end":447.34998,"sentiment":"neutral","sentiment_score":-0.18739493750035763},{"text":"And then we're just gonna rebalance your battery and lithium tech and your physical gold there so that your portfolio remains in line with your high growth portfolio.","start":447.72998,"end":455.19,"sentiment":"neutral","sentiment_score":0.15936084244666354},{"text":"Because we're removing all of the BAN along Australian equities due to having been underperformed, we're actually gonna buy into the beta shares Australian 200.","start":455.885,"end":464.605,"sentiment":"neutral","sentiment_score":0.08365582190454006},{"text":"So this is more of a passively managed fund.","start":464.605,"end":467.025,"sentiment":"positive","sentiment_score":0.3739747967984941},{"text":"It's still giving you access to the top 200 companies in Australia.","start":467.245,"end":471.09998,"sentiment":"positive","sentiment_score":0.5413012877106667}],"sentiment":"neutral","sentiment_score":0.18189912511989836,"num_words":82,"start":445.41,"end":471.09998},{"sentences":[{"text":"It's still giving you Australian equities exposure.","start":471.56,"end":473.8,"sentiment":"positive","sentiment_score":0.617740375655038},{"text":"It's actually just a bit cheaper as a fund, which means you actually do reduce the investment cost that you'll be paying for, and it's it has performed greater over the past.","start":473.8,"end":483.24,"sentiment":"positive","sentiment_score":0.6314411424100399},{"text":"So we hope that it does better in the future, but it kind of underperformed as much as Benelon has recently as well.","start":483.24,"end":489.625,"sentiment":"neutral","sentiment_score":0.27724344639674475},{"text":"By removing the bank hybrids, that's more of a defensive sort of lower risk investment.","start":490.64502,"end":494.80502,"sentiment":"neutral","sentiment_score":0.05790201524893443},{"text":"We are gonna keep and move the money into what the iShares core composite bond.","start":494.80502,"end":498.81,"sentiment":"neutral","sentiment_score":0.24770544866720837}],"sentiment":"positive","sentiment_score":0.3857718523105849,"num_words":92,"start":471.56,"end":498.81},{"sentences":[{"text":"It is just giving you a bit of the sorry.","start":498.88998,"end":502.33,"sentiment":"neutral","sentiment_score":0.27909626364707946},{"text":"It is just making sure and giving you a bit of the the defensive investments, which is there for lower risk and for income producing.","start":502.33,"end":510.11,"sentiment":"neutral","sentiment_score":0.2755440491437912},{"text":"So, essentially, making those small changes to your portfolio has a much greater difference there.","start":510.81,"end":515.565,"sentiment":"positive","sentiment_score":0.4302153845628103},{"text":"It keeps you invested in line with the the growth portfolio that you're after, the asset allocation that you're after.","start":515.565,"end":521.665,"sentiment":"positive","sentiment_score":0.438999716937542},{"text":"But when I looked at the phase of make making these differences, by removing the underperforming investment and making a bit of a rebalance there, we can actually see that we save you about $463 on investment fees, which is fantastic to see.","start":521.805,"end":537.61005,"sentiment":"neutral","sentiment_score":0.32977561496717983}],"sentiment":"positive","sentiment_score":0.34595699483050707,"num_words":113,"start":498.88998,"end":537.61005},{"sentences":[{"text":"So it's really important that sorry.","start":537.61005,"end":542.185,"sentiment":"neutral","sentiment_score":-0.10431882118185361},{"text":"You're right.","start":542.185,"end":542.84503,"sentiment":"neutral","sentiment_score":-0.09967524744570255},{"text":"Yeah.","start":546.425,"end":546.825,"sentiment":"neutral","sentiment_score":-0.0010440479964017868},{"text":"Yeah.","start":546.825,"end":547.225,"sentiment":"neutral","sentiment_score":-0.0032769590616226196},{"text":"So we're selling off some of the investments and rebalancing other ones and moving the money into other investments.","start":547.225,"end":553.565,"sentiment":"neutral","sentiment_score":-0.053691018127689234}],"sentiment":"neutral","sentiment_score":-0.0637832335678154,"num_words":29,"start":537.61005,"end":553.565},{"sentences":[{"text":"Yes.","start":553.945,"end":554.445,"sentiment":"neutral","sentiment_score":0.02132450230419636},{"text":"There can be.","start":561.93,"end":563.12994,"sentiment":"neutral","sentiment_score":-0.0390592614809672},{"text":"The portfolio we have you in may have some of those in the underlying, but we haven't specifically focused on those sorts of areas because they are seen as extremely risky.","start":563.12994,"end":572.315,"sentiment":"neutral","sentiment_score":-0.14446154909749184},{"text":"They are very volatile as well.","start":572.695,"end":574.45496,"sentiment":"neutral","sentiment_score":-0.3319237989683946},{"text":"So we kinda stick to investments that have seen a greater track record that have gone through the market ups and downs and the volatility that we have seen through.","start":574.45496,"end":582.95496,"sentiment":"neutral","sentiment_score":-0.0349092128376166}],"sentiment":"neutral","sentiment_score":-0.107225077226758,"num_words":71,"start":553.945,"end":582.95496},{"sentences":[{"text":"When you sort of have a look at this, you'll look there at page number 19.","start":583.23,"end":587.23,"sentiment":"neutral","sentiment_score":0.023643912514671683},{"text":"You'll see exactly what we have you in.","start":587.23,"end":589.07,"sentiment":"neutral","sentiment_score":0.027547126170247793},{"text":"But, realistically, once we kind of finish this, you'll see about 7% of your portfolio invested in battery and lithium tech to still give you good access to those other sorts of minerals there and tech sector.","start":589.07,"end":601.755,"sentiment":"neutral","sentiment_score":0.18814980721956975},{"text":"You'll have 6% of physical gold because gold has still done really well.","start":602.295,"end":605.97504,"sentiment":"positive","sentiment_score":0.3403031803094424},{"text":"It is still very good to hold on to.","start":605.97504,"end":608.155,"sentiment":"positive","sentiment_score":0.4926147758960724}],"sentiment":"neutral","sentiment_score":0.19780357594949655,"num_words":83,"start":583.23,"end":608.155},{"sentences":[{"text":"You'll have 7% in cybersecurity, which is still a great area to see.","start":608.615,"end":612.635,"sentiment":"positive","sentiment_score":0.4232123402448801},{"text":"You'll have some funds in the iShares core composite bond.","start":613.09,"end":616.79,"sentiment":"neutral","sentiment_score":0.22669214010238647},{"text":"We'll also see the S and P 500 because The US is still a really good place to be invested in even though it is seeing the volatility at the moment.","start":616.93,"end":624.55,"sentiment":"neutral","sentiment_score":0.15392608003270242},{"text":"We'll still see some VanEck properties.","start":625.09,"end":626.87,"sentiment":"neutral","sentiment_score":0.2169750134150187},{"text":"The property is a great asset for diversification.","start":626.93,"end":629.725,"sentiment":"positive","sentiment_score":0.5561375990509987}],"sentiment":"neutral","sentiment_score":0.2689903114429292,"num_words":68,"start":608.615,"end":629.725},{"sentences":[{"text":"You'll see some Rafi 200 there, so giving you exposure to high, low, and mid stock companies on the ASX.","start":630.90497,"end":637.485,"sentiment":"neutral","sentiment_score":0.2944387264549732},{"text":"And then the beta shares a 200, so giving you access to the top 200 companies in Australia there.","start":637.865,"end":643.725,"sentiment":"neutral","sentiment_score":0.19841034475125766},{"text":"So it's about making sure that you are invested in a portfolio that has seen a great track record.","start":643.91003,"end":648.81,"sentiment":"neutral","sentiment_score":0.2938511481410579},{"text":"This portfolio that we're moving into is saving you investment fees.","start":649.59,"end":653.21,"sentiment":"neutral","sentiment_score":0.2862751619382338},{"text":"When we did the research to change the portfolio, you'll see in the investment table, we can actually save you $463 in investment fees for the year.","start":653.51,"end":664.105,"sentiment":"neutral","sentiment_score":0.2840302172634337}],"sentiment":"neutral","sentiment_score":0.2714540160571535,"num_words":96,"start":630.90497,"end":664.105},{"sentences":[{"text":"So you'll be paying $463 less in investment fees out of your super fund, which means more money stays there invested for you.","start":664.105,"end":671.705,"sentiment":"positive","sentiment_score":0.37923166091027466},{"text":"Okay?","start":671.705,"end":672.205,"sentiment":"neutral","sentiment_score":0.10949814319610596},{"text":"With your bus queue sorry.","start":673.74,"end":675.89996,"sentiment":"neutral","sentiment_score":0.016796188428997993},{"text":"You're right?","start":675.89996,"end":676.56,"sentiment":"neutral","sentiment_score":0.009965219229343347},{"text":"Yeah.","start":687.835,"end":688.235,"sentiment":"neutral","sentiment_score":0.02397875674068928}],"sentiment":"neutral","sentiment_score":0.27999114004614967,"num_words":32,"start":664.105,"end":688.235},{"sentences":[{"text":"Wow.","start":688.235,"end":688.735,"sentiment":"neutral","sentiment_score":0.029477708041667935},{"text":"That's insane, isn't it?","start":689.115,"end":690.895,"sentiment":"neutral","sentiment_score":-0.016552721383050084},{"text":"That's crazy.","start":690.955,"end":691.77496,"sentiment":"neutral","sentiment_score":-0.04992050118744373},{"text":"Wow.","start":692.71497,"end":693.21497,"sentiment":"neutral","sentiment_score":0.018606066703796387},{"text":"Yeah.","start":697.53,"end":697.85004,"sentiment":"neutral","sentiment_score":0.07369344681501389}],"sentiment":"neutral","sentiment_score":-0.00491940737184551,"num_words":9,"start":688.235,"end":697.85004},{"sentences":[{"text":"Wow.","start":697.85004,"end":698.35004,"sentiment":"neutral","sentiment_score":0.1590307056903839},{"text":"That is pretty cool.","start":699.85004,"end":701.05,"sentiment":"positive","sentiment_score":0.46629637479782104},{"text":"That is pretty cool.","start":701.05,"end":702.35004,"sentiment":"positive","sentiment_score":0.42760447412729263},{"text":"Yeah.","start":706.09,"end":706.57,"sentiment":"positive","sentiment_score":0.4597949981689453},{"text":"Absolutely.","start":706.57,"end":707.07,"sentiment":"positive","sentiment_score":0.5902490615844727}],"sentiment":"positive","sentiment_score":0.43497074192220514,"num_words":11,"start":697.85004,"end":707.07},{"sentences":[{"text":"Absolutely.","start":707.77,"end":708.27,"sentiment":"positive","sentiment_score":0.481067419052124},{"text":"We'll also just not make any changes to your Basque.","start":709.565,"end":712.28503,"sentiment":"neutral","sentiment_score":0.07772502060979605},{"text":"You're in a high growth portfolio in Basque.","start":712.28503,"end":714.465,"sentiment":"positive","sentiment_score":0.3566773645579815},{"text":"There's no need to change the investments within there by leaving 10,000 in there.","start":714.605,"end":719.165,"sentiment":"neutral","sentiment_score":0.19354200629251345},{"text":"And looking at the aligned asset allocation between the two funds, it still works within the portfolio you're after and gives you the asset allocation in line with your risk tolerance.","start":719.165,"end":728.12,"sentiment":"positive","sentiment_score":0.35720087395560357}],"sentiment":"neutral","sentiment_score":0.27960237066145055,"num_words":64,"start":707.77,"end":728.12},{"sentences":[{"text":"Okay?","start":728.42,"end":728.92,"sentiment":"neutral","sentiment_score":0.20689214766025543},{"text":"The other really good thing to note is that the difference in the performance.","start":730.34,"end":733.4,"sentiment":"positive","sentiment_score":0.46869488273348126},{"text":"So by making those changes to your to your investment profiles within your super fund and altering, you know, re switching the underlying investments that haven't been performing very well and rebalancing your portfolio.","start":733.54,"end":746.575,"sentiment":"positive","sentiment_score":0.39405230476575737},{"text":"The newer portfolio has actually seen a greater average return over the past three to five years than your current portfolio has.","start":746.95496,"end":753.915,"sentiment":"positive","sentiment_score":0.6022777733477679},{"text":"So if the market performs the way it has moving forward, then we can definitely see you in a greater position by making these changes as well as lowering the investment fees, which is important as well.","start":753.915,"end":764.88,"sentiment":"positive","sentiment_score":0.6105226910597569}],"sentiment":"positive","sentiment_score":0.5185726801002467,"num_words":108,"start":728.42,"end":764.88},{"sentences":[{"text":"Okay?","start":764.88,"end":765.38,"sentiment":"neutral","sentiment_score":0.25107598304748535},{"text":"Beautiful.","start":767.61505,"end":768.11505,"sentiment":"positive","sentiment_score":0.6485691666603088},{"text":"I've also made a recommendation that with your beneficiary nominations, with your hub twenty four, that we do add a binding, non lapsing beneficiary nomination onto your spouse.","start":768.895,"end":778.8,"sentiment":"neutral","sentiment_score":0.3207980442259993},{"text":"This essentially means that you've found the trustee to follow your direction, and non lapsing means you only have to fill the form out once, which is positive.","start":779.2,"end":786.33997,"sentiment":"neutral","sentiment_score":0.2811063357761928},{"text":"At the moment, we don't have any beneficiary nominations applied.","start":787.04,"end":790.16,"sentiment":"neutral","sentiment_score":-0.054827522858977316}],"sentiment":"neutral","sentiment_score":0.25301018472322645,"num_words":68,"start":764.88,"end":790.16},{"sentences":[{"text":"So if in the event you would have passed away, your super fund has to go through a bit of a probate process.","start":790.16,"end":795.875,"sentiment":"neutral","sentiment_score":-0.044106659195993256},{"text":"So having the beneficiary nominations in place are really there for to protect you and your family.","start":795.935,"end":802.115,"sentiment":"positive","sentiment_score":0.36860424455474405},{"text":"So if anything did happen to you, your partner can then come back and claim the funds, and it's a much easier process.","start":802.175,"end":808.5,"sentiment":"positive","sentiment_score":0.34572774042253906},{"text":"Everything gets handed to her to continue looking after your family.","start":808.56,"end":811.54004,"sentiment":"positive","sentiment_score":0.3548985150727359},{"text":"With bus queue, they don't allow a binding, non lapsing option.","start":812.56,"end":815.52,"sentiment":"neutral","sentiment_score":-0.1281411044976928}],"sentiment":"neutral","sentiment_score":0.1846810416701962,"num_words":85,"start":790.16,"end":815.52},{"sentences":[{"text":"They have a binding lapsing, which means it has to be updated every three years.","start":815.52,"end":819.22003,"sentiment":"neutral","sentiment_score":-0.03248003373543421},{"text":"We will help and organize to make sure the nomination is set up and completed correctly, and then we will keep a record on file of exactly when that nomination lapses so we can help you to have it refilled out every couple of years.","start":819.46497,"end":832.44495,"sentiment":"neutral","sentiment_score":0.2929748604695002},{"text":"Okay?","start":832.505,"end":833.005,"sentiment":"neutral","sentiment_score":0.14175006747245789},{"text":"It's also really important we do kind of go through and make sure that you do also set up a will and power of attorney.","start":834.71,"end":840.01,"sentiment":"neutral","sentiment_score":0.273990216255188},{"text":"I have made a recommendation in here that if you haven't got a solicitor that we can certainly refer you through to one, And that just setting up a will and power of attorney is really important for all the other assets you have, your cars, your savings, and things like that.","start":840.47,"end":853.08496,"sentiment":"neutral","sentiment_score":0.31005527165073615}],"sentiment":"neutral","sentiment_score":0.25950034648395964,"num_words":138,"start":815.52,"end":853.08496},{"sentences":[{"text":"So your sleepers and in life insurance is covered by the beneficiary nominations, but everything else needs to be done through the estate planning and having a will.","start":853.08496,"end":861.91,"sentiment":"neutral","sentiment_score":0.26548258694154875},{"text":"And a power of attorney is really important as well because if you weren't able to make medical or financial decisions for yourself, having someone nominated that you trust and that knows what your wishes are to act on your behalf is really important as well.","start":861.91,"end":875.825,"sentiment":"neutral","sentiment_score":0.2690222235801427},{"text":"Okay?","start":876.045,"end":876.545,"sentiment":"neutral","sentiment_score":0.11532901227474213},{"text":"Oh, good.","start":879.565,"end":880.385,"sentiment":"neutral","sentiment_score":0.2968134582042694},{"text":"Look.","start":880.765,"end":881.085,"sentiment":"neutral","sentiment_score":0.31072384119033813}],"sentiment":"neutral","sentiment_score":0.2670283908836352,"num_words":78,"start":853.08496,"end":881.085},{"sentences":[{"text":"That is basically all I kind of needed to go through with you.","start":881.085,"end":884.385,"sentiment":"neutral","sentiment_score":0.22744686557696417},{"text":"It is a lot, and I do apologize.","start":884.445,"end":886.145,"sentiment":"neutral","sentiment_score":-0.0405689962208271},{"text":"I do have sent the email to you.","start":886.77,"end":888.45,"sentiment":"neutral","sentiment_score":0.03690479043871164},{"text":"So have a read through the document, have a look at the changes that we are making there.","start":888.45,"end":892.15,"sentiment":"neutral","sentiment_score":0.08860226844747861},{"text":"It's really important.","start":892.45,"end":893.17004,"sentiment":"neutral","sentiment_score":0.10754529138406117}],"sentiment":"neutral","sentiment_score":0.09689944624900818,"num_words":50,"start":881.085,"end":893.17004},{"sentences":[{"text":"Benelung has been underperforming, so we do wanna get that out of your out of your super funds really quickly.","start":893.17004,"end":898.47003,"sentiment":"neutral","sentiment_score":-0.12115489318966866},{"text":"So if you can have a look through that one and sign it and return it back to me, I can have the changes made in your portfolio ASAP.","start":899.055,"end":907.315,"sentiment":"neutral","sentiment_score":0.20738606411835242},{"text":"The only other thing I probably forgot to make mention of was the CGT.","start":908.175,"end":911.795,"sentiment":"neutral","sentiment_score":0.014435559777276856},{"text":"So by making these changes, we did check the capital gains consequences, and it looks like there's absolutely none.","start":912.09503,"end":918.09,"sentiment":"neutral","sentiment_score":0.05067690858911527},{"text":"So because Benelon has been underperforming, it offsets any capital gains that would be made by altering the rest of your portfolio.","start":918.09,"end":926.58496,"sentiment":"neutral","sentiment_score":0.1026795556218448}],"sentiment":"neutral","sentiment_score":0.06745199345571634,"num_words":104,"start":893.17004,"end":926.58496},{"sentences":[{"text":"So there's no CGT consequences there for your fund, which is a positive sign for yourself.","start":926.64496,"end":931.305,"sentiment":"positive","sentiment_score":0.39825743343681097},{"text":"And sorry.","start":932.725,"end":934.185,"sentiment":"neutral","sentiment_score":0.07129586860537529},{"text":"One more thing.","start":934.40497,"end":935.385,"sentiment":"neutral","sentiment_score":0.07040680448214214},{"text":"And, yeah, just retaining bus queue to make sure your insurances remain in place until you need to alter or change those moving forward.","start":935.845,"end":942.25995,"sentiment":"neutral","sentiment_score":0.11543617288892467},{"text":"We still keep any reviews and wanna make sure we do catch ups with you to make sure you stay on track in meeting your goals, and that we're working forward and altering this advice regularly with you as well.","start":942.63995,"end":952.74,"sentiment":"positive","sentiment_score":0.4878384545445442}],"sentiment":"positive","sentiment_score":0.34129338137367193,"num_words":85,"start":926.64496,"end":952.74},{"sentences":[{"text":"There's no implementation or upfront fees for the advice we do provide.","start":953.715,"end":957.875,"sentiment":"positive","sentiment_score":0.35199666519959766},{"text":"It is all part of you being an ongoing service client, so you pay an ongoing service fee for our services for having us look after everything for you.","start":957.875,"end":965.175,"sentiment":"positive","sentiment_score":0.4764797194250699},{"text":"And so it means that we provide all this advice for you.","start":965.555,"end":968.64,"sentiment":"positive","sentiment_score":0.5013953894376755},{"text":"Basically, complimentary.","start":969.2,"end":970.26,"sentiment":"positive","sentiment_score":0.4858427941799164},{"text":"It's all part of the service that we provide in trying to keep you on track.","start":970.4,"end":973.62,"sentiment":"positive","sentiment_score":0.5034477766603231}],"sentiment":"positive","sentiment_score":0.465992486392948,"num_words":71,"start":953.715,"end":973.62},{"sentences":[{"text":"Okay?","start":973.68,"end":974.18,"sentiment":"neutral","sentiment_score":0.30354803800582886},{"text":"Easy.","start":976.16003,"end":976.66003,"sentiment":"positive","sentiment_score":0.3401579260826111},{"text":"Yeah.","start":979.44,"end":979.94,"sentiment":"neutral","sentiment_score":0.017096977680921555},{"text":"Okay.","start":984.575,"end":985.05505,"sentiment":"neutral","sentiment_score":0.04462064802646637},{"text":"Yeah.","start":985.05505,"end":985.375,"sentiment":"neutral","sentiment_score":0.04206284508109093}],"sentiment":"neutral","sentiment_score":0.14949728697538375,"num_words":5,"start":973.68,"end":985.375},{"sentences":[{"text":"Yeah.","start":985.375,"end":985.61505,"sentiment":"neutral","sentiment_score":0.04709983617067337},{"text":"So you wanna do compassionate grounds?","start":985.61505,"end":987.47504,"sentiment":"neutral","sentiment_score":0.07781986147165298},{"text":"Yeah.","start":987.61505,"end":988.11505,"sentiment":"neutral","sentiment_score":-0.029255781322717667},{"text":"Yeah.","start":988.895,"end":989.395,"sentiment":"neutral","sentiment_score":-0.2058359682559967},{"text":"Oh, no.","start":990.41504,"end":991.23505,"sentiment":"neutral","sentiment_score":-0.23189900815486908}],"sentiment":"neutral","sentiment_score":-0.016806432807987385,"num_words":11,"start":985.375,"end":991.23505},{"sentences":[{"text":"Yeah.","start":994.26996,"end":994.58997,"sentiment":"neutral","sentiment_score":-0.13948458433151245},{"text":"Right.","start":994.58997,"end":995.08997,"sentiment":"neutral","sentiment_score":-0.14006462693214417},{"text":"Yeah.","start":996.51,"end":997.01,"sentiment":"neutral","sentiment_score":-0.14896242320537567},{"text":"Yeah.","start":1002.43,"end":1002.67,"sentiment":"neutral","sentiment_score":-0.10195659846067429},{"text":"Yeah.","start":1002.67,"end":1003.17,"sentiment":"neutral","sentiment_score":-0.12906289100646973}],"sentiment":"neutral","sentiment_score":-0.13190622478723527,"num_words":5,"start":994.26996,"end":1003.17},{"sentences":[{"text":"Yeah.","start":1006.515,"end":1006.835,"sentiment":"neutral","sentiment_score":-0.044792622327804565},{"text":"No.","start":1006.835,"end":1007.075,"sentiment":"neutral","sentiment_score":-0.11169873923063278},{"text":"Fair enough.","start":1007.075,"end":1007.795,"sentiment":"neutral","sentiment_score":-0.023314334452152252},{"text":"So you absolutely can.","start":1007.795,"end":1008.755,"sentiment":"neutral","sentiment_score":0.17474061995744705},{"text":"Have you spoken to a dentist and gotten a quote on how much it's gonna cost you?","start":1008.755,"end":1013.095,"sentiment":"neutral","sentiment_score":0.06373182728010066}],"sentiment":"neutral","sentiment_score":0.0631713405251503,"num_words":25,"start":1006.515,"end":1013.095},{"sentences":[{"text":"Yeah.","start":1016.835,"end":1017.335,"sentiment":"neutral","sentiment_score":0.11924517154693604},{"text":"That's okay.","start":1018.89,"end":1019.63,"sentiment":"neutral","sentiment_score":0.20177601277828217},{"text":"What I'll get you to do is in order to to do pack Compassionate Grounds, you essentially need to be able to get a quote on how much it's gonna cost to have the work done.","start":1020.01,"end":1027.9501,"sentiment":"neutral","sentiment_score":0.19399007823732164},{"text":"So contact dentists and find out how much it's gonna be, get them to print you out a quote, and then you just apply for Compassionate grounds through your myGov account.","start":1028.25,"end":1035.9249,"sentiment":"neutral","sentiment_score":0.16413145560410716},{"text":"It goes direct to the ATO.","start":1036.3049,"end":1037.765,"sentiment":"neutral","sentiment_score":0.10383781666556995}],"sentiment":"neutral","sentiment_score":0.1739150268074713,"num_words":76,"start":1016.835,"end":1037.765},{"sentences":[{"text":"They're just wanting to make sure and confirm that you can't pay for this any other way.","start":1037.905,"end":1041.765,"sentiment":"neutral","sentiment_score":-0.041467574589392715},{"text":"And as long as you've got the evidence of how much it's gonna cost, they'll look at the the eligibility for you and haven't seen a lot of them unapproved not approved.","start":1042.3049,"end":1052.7,"sentiment":"neutral","sentiment_score":-0.04704621038399637},{"text":"But they'll just want the quote to show how much it's gonna cost that you, you know, you're telling them you can't to the pay if there's any other way, and the ATO made the decision.","start":1053.24,"end":1060.8251,"sentiment":"neutral","sentiment_score":-0.016958577351437673},{"text":"They if they approve the claim, we'll let your super fund know, and your super fund will let us know, and then we'll be able to make sure we help you with the withdrawal out.","start":1061.6051,"end":1070.505,"sentiment":"positive","sentiment_score":0.42011273290429796},{"text":"Because you are under because you are under the age of 60, your super fund can and does withhold tax for the withdrawal because there is technically, the amount pulled out of super is considered part of your assessable income.","start":1071.045,"end":1085.97,"sentiment":"neutral","sentiment_score":-0.12774491561576723}],"sentiment":"neutral","sentiment_score":0.04233257963787764,"num_words":160,"start":1037.905,"end":1085.97},{"sentences":[{"text":"It's added to your assessable income, but your tax sorry.","start":1085.97,"end":1089.6749,"sentiment":"neutral","sentiment_score":-0.13859099969267846},{"text":"You're at no.","start":1089.6749,"end":1093.5149,"sentiment":"neutral","sentiment_score":-0.2617582827806473},{"text":"You can't.","start":1093.5149,"end":1094.255,"sentiment":"neutral","sentiment_score":-0.269340842962265},{"text":"No.","start":1094.5549,"end":1094.955,"sentiment":"neutral","sentiment_score":-0.1936970055103302},{"text":"No.","start":1094.955,"end":1095.455,"sentiment":"neutral","sentiment_score":-0.20945274829864505}],"sentiment":"neutral","sentiment_score":-0.18311860500013127,"num_words":17,"start":1085.97,"end":1095.455},{"sentences":[{"text":"No.","start":1096.075,"end":1096.575,"sentiment":"neutral","sentiment_score":-0.19417759776115415},{"text":"The the amount you withdraw out of your super fund on the compassionate grounds is added to your assessable income.","start":1097.355,"end":1103.375,"sentiment":"neutral","sentiment_score":-0.05506699401885271},{"text":"But the super fund withholds a certain amount of tax, so it's part of your assessable income, but it's not your assessable taxable income.","start":1104.05,"end":1111.4299,"sentiment":"neutral","sentiment_score":-0.21119714078182975},{"text":"It's a little bit confusing the way they do it.","start":1111.65,"end":1113.73,"sentiment":"negative","sentiment_score":-0.49363904297351835},{"text":"The super fund works out or the ACO and the super fund work out essentially how much tax should be paid on that, and they try to withhold the amount required.","start":1113.73,"end":1122.485,"sentiment":"neutral","sentiment_score":-0.15167672860045586}],"sentiment":"neutral","sentiment_score":-0.1860769520145516,"num_words":86,"start":1096.075,"end":1122.485},{"sentences":[{"text":"And then if there's any additional adjustments to tax time, then that can be made.","start":1123.265,"end":1127.6849,"sentiment":"neutral","sentiment_score":-0.1045072058836619},{"text":"But they normally hold up with the up to 22%, so they do hold a larger amount of tax.","start":1128.065,"end":1132.92,"sentiment":"neutral","sentiment_score":-0.2344629521432676},{"text":"And you still get the amount you need.","start":1133.64,"end":1135.64,"sentiment":"neutral","sentiment_score":-0.007715768180787563},{"text":"They work out how much you need, the tax on top of that, so you can still draw down the amount you need to have the work done.","start":1135.64,"end":1142.4401,"sentiment":"neutral","sentiment_score":0.005263815234814372},{"text":"Does that make sense?","start":1142.4401,"end":1143.5801,"sentiment":"neutral","sentiment_score":0.045272499322891235}],"sentiment":"neutral","sentiment_score":-0.07777910135887764,"num_words":74,"start":1123.265,"end":1143.5801},{"sentences":[{"text":"Yeah.","start":1145.415,"end":1145.915,"sentiment":"neutral","sentiment_score":0.03671349585056305},{"text":"It's a little bit confusing.","start":1146.6151,"end":1147.915,"sentiment":"neutral","sentiment_score":-0.1782437577843666},{"text":"But, essentially, all you need to do first is go and see your dentist, get them to do you up a quote to show how much it's gonna cost to get the work done, and then go into your myGov account, and you'll apply for Compassionate Grounds through your myGov account.","start":1148.4551,"end":1161.26,"sentiment":"neutral","sentiment_score":0.13620615765160204},{"text":"And then from there, the ACO will assess it for you.","start":1161.4801,"end":1164.68,"sentiment":"neutral","sentiment_score":0.09576318683949384},{"text":"They'll let the Superfund know when they approve it, and the Superfund will contact us because we look after it for you, and we'll help you with the withdrawal.","start":1164.68,"end":1173.3401,"sentiment":"neutral","sentiment_score":0.20291836251472606}],"sentiment":"neutral","sentiment_score":0.13433027129197858,"num_words":97,"start":1145.415,"end":1173.3401},{"sentences":[{"text":"Okay?","start":1173.7201,"end":1174.2201,"sentiment":"neutral","sentiment_score":0.12681300938129425},{"text":"Yeah.","start":1175.2251,"end":1175.7251,"sentiment":"neutral","sentiment_score":0.23731234669685364},{"text":"Oh, good.","start":1178.185,"end":1178.905,"sentiment":"positive","sentiment_score":0.40798069536685944},{"text":"Did you have any other questions?","start":1178.905,"end":1180.505,"sentiment":"neutral","sentiment_score":0.16364654153585434},{"text":"I know it's a lot to kinda go through when you're not looking at the advice document.","start":1180.505,"end":1184.525,"sentiment":"neutral","sentiment_score":-0.03573658733683474}],"sentiment":"neutral","sentiment_score":0.05757200041854823,"num_words":27,"start":1173.7201,"end":1184.525},{"sentences":[{"text":"But when you've got some time, if you can open up your email, sit down, have a really good look at that one for me.","start":1185.0651,"end":1189.64,"sentiment":"neutral","sentiment_score":0.27227804154157637},{"text":"Let me know if there is any questions in relation to any of it, and if you're just happy to go ahead and make those changes, I'll just get you to, sign it and send it back to me.","start":1189.64,"end":1199.42,"sentiment":"neutral","sentiment_score":0.26884943896379226},{"text":"Okay?","start":1199.48,"end":1199.98,"sentiment":"neutral","sentiment_score":0.15269115567207336},{"text":"Easy.","start":1201.875,"end":1202.2749,"sentiment":"neutral","sentiment_score":0.1874217987060547},{"text":"Do you have any questions at the moment at all, Jesse?","start":1202.2749,"end":1204.615,"sentiment":"neutral","sentiment_score":0.051899208263917404}],"sentiment":"neutral","sentiment_score":0.2364036805637471,"num_words":77,"start":1185.0651,"end":1204.615},{"sentences":[{"text":"For power of attorney?","start":1212.45,"end":1213.35,"sentiment":"neutral","sentiment_score":0.006179308984428644},{"text":"Yeah.","start":1213.4099,"end":1213.8099,"sentiment":"neutral","sentiment_score":0.04337087273597717},{"text":"Really good question.","start":1213.8099,"end":1214.71,"sentiment":"neutral","sentiment_score":0.2004589637120565},{"text":"We do have some information on a local solicitor, so CJM.","start":1214.77,"end":1218.1499,"sentiment":"neutral","sentiment_score":0.12237467955459248},{"text":"If you like, I can send that email to you after the call.","start":1218.85,"end":1222.3099,"sentiment":"neutral","sentiment_score":0.13386322271365386}],"sentiment":"neutral","sentiment_score":0.1173690115683712,"num_words":32,"start":1212.45,"end":1222.3099},{"sentences":[{"text":"It's just it's not really an introduction.","start":1222.85,"end":1224.9299,"sentiment":"neutral","sentiment_score":0.04486549113477979},{"text":"It's more just giving you their information.","start":1224.9299,"end":1226.71,"sentiment":"neutral","sentiment_score":0.05488361684339387},{"text":"I can send the costing through what it cost to do up a will and power of attorney so you can kinda have a look at that.","start":1226.77,"end":1232.1849,"sentiment":"neutral","sentiment_score":0.09287089233597119},{"text":"Would that be okay?","start":1232.1849,"end":1233.245,"sentiment":"neutral","sentiment_score":0.0657833768054843},{"text":"Hi.","start":1248.12,"end":1248.6,"sentiment":"neutral","sentiment_score":0.1375979781150818}],"sentiment":"neutral","sentiment_score":0.07840194204903167,"num_words":46,"start":1222.85,"end":1248.6},{"sentences":[{"text":"Good.","start":1248.6,"end":1248.84,"sentiment":"neutral","sentiment_score":0.2660144567489624},{"text":"Thanks.","start":1248.84,"end":1249.16,"sentiment":"neutral","sentiment_score":0.30841362476348877},{"text":"How are you?","start":1249.16,"end":1249.98,"sentiment":"neutral","sentiment_score":0.20536482334136963},{"text":"Yeah.","start":1256.295,"end":1256.795,"sentiment":"neutral","sentiment_score":-0.011714152060449123},{"text":"Okay.","start":1258.695,"end":1259.195,"sentiment":"neutral","sentiment_score":0.01891295425593853}],"sentiment":"neutral","sentiment_score":0.17110305053314992,"num_words":7,"start":1248.6,"end":1259.195},{"sentences":[{"text":"Yeah.","start":1264.55,"end":1265.05,"sentiment":"neutral","sentiment_score":0.01334833074361086},{"text":"Yes.","start":1269.03,"end":1269.53,"sentiment":"neutral","sentiment_score":-0.026075277477502823},{"text":"Yeah.","start":1274.0701,"end":1274.5701,"sentiment":"neutral","sentiment_score":-0.008493887260556221},{"text":"Absolutely.","start":1275.03,"end":1275.53,"sentiment":"neutral","sentiment_score":0.007888955995440483},{"text":"Yes.","start":1280.4149,"end":1280.895,"sentiment":"neutral","sentiment_score":-0.01993081532418728}],"sentiment":"neutral","sentiment_score":-0.006652538664638996,"num_words":5,"start":1264.55,"end":1280.895},{"sentences":[{"text":"So sorry.","start":1280.895,"end":1281.375,"sentiment":"neutral","sentiment_score":-0.12850767001509666},{"text":"I the phone cut out a little bit.","start":1281.375,"end":1283.215,"sentiment":"neutral","sentiment_score":-0.16999076306819916},{"text":"We're about to be doing the free will through.","start":1283.215,"end":1285.395,"sentiment":"neutral","sentiment_score":-0.04938930148879687},{"text":"Yeah.","start":1287.9349,"end":1288.35,"sentiment":"neutral","sentiment_score":0.02431914769113064},{"text":"That's okay.","start":1289.47,"end":1290.2899,"sentiment":"neutral","sentiment_score":0.09466606751084328}],"sentiment":"neutral","sentiment_score":-0.08399063069373369,"num_words":22,"start":1280.895,"end":1290.2899},{"sentences":[{"text":"Safe will.","start":1291.3099,"end":1292.03,"sentiment":"neutral","sentiment_score":0.11594318598508835},{"text":"Okay.","start":1292.03,"end":1292.53,"sentiment":"neutral","sentiment_score":0.05351965129375458},{"text":"That's okay.","start":1296.27,"end":1296.99,"sentiment":"positive","sentiment_score":0.35329461097717285},{"text":"You've got a good missus.","start":1296.99,"end":1298.19,"sentiment":"positive","sentiment_score":0.639152181148529},{"text":"I'll tell you what.","start":1298.19,"end":1299.1699,"sentiment":"neutral","sentiment_score":0.24901506677269936}],"sentiment":"positive","sentiment_score":0.37027260128940853,"num_words":14,"start":1291.3099,"end":1299.1699},{"sentences":[{"text":"As long as you can catch the fish, you'll be right.","start":1304.6849,"end":1307.025,"sentiment":"neutral","sentiment_score":0.2553589073094455},{"text":"Yeah.","start":1312.285,"end":1312.6849,"sentiment":"neutral","sentiment_score":0.19566871225833893},{"text":"That's okay.","start":1312.6849,"end":1313.325,"sentiment":"neutral","sentiment_score":0.23860938847064972},{"text":"So I'm just having a quick look at them now.","start":1313.325,"end":1315.985,"sentiment":"neutral","sentiment_score":0.12970313504338266},{"text":"Okay.","start":1318.5399,"end":1318.86,"sentiment":"neutral","sentiment_score":0.07948794960975647}],"sentiment":"neutral","sentiment_score":0.19433419078588485,"num_words":25,"start":1304.6849,"end":1318.86},{"sentences":[{"text":"Yeah.","start":1318.86,"end":1319.1,"sentiment":"neutral","sentiment_score":0.09049466252326964},{"text":"So SafeWell is currently offering free wills online.","start":1319.1,"end":1321.4199,"sentiment":"neutral","sentiment_score":0.1672984790056944},{"text":"They're usually about a $160.","start":1321.4199,"end":1323.6799,"sentiment":"neutral","sentiment_score":0.14644989371299744},{"text":"They did them in Australia and New Zealand.","start":1324.0599,"end":1325.9,"sentiment":"neutral","sentiment_score":0.10544833075255156},{"text":"It's often in partnership with certain charities during the promotional weeks.","start":1325.9,"end":1329.9199,"sentiment":"neutral","sentiment_score":0.1724157672036778}],"sentiment":"neutral","sentiment_score":0.14852400146650546,"num_words":33,"start":1318.86,"end":1329.9199},{"sentences":[{"text":"The legal solicitor reviewed wills can be created under twenty minutes and free updates available once a year.","start":1331.295,"end":1338.5751,"sentiment":"neutral","sentiment_score":0.2248603047596084},{"text":"So it's honestly fine.","start":1338.5751,"end":1340.255,"sentiment":"positive","sentiment_score":0.4261425882577896},{"text":"It does look like they do have them reviewed by a solicitor.","start":1340.255,"end":1344.5951,"sentiment":"neutral","sentiment_score":0.26603178928295773},{"text":"As long as the directions are followed, these are the will kits that are absolutely great to do.","start":1345.4551,"end":1349.91,"sentiment":"positive","sentiment_score":0.4603395818008317},{"text":"They can be more cost effective than going and seeing a solicitor.","start":1349.91,"end":1353.05,"sentiment":"positive","sentiment_score":0.33348474154869717}],"sentiment":"neutral","sentiment_score":0.3317557293921709,"num_words":64,"start":1331.295,"end":1353.05},{"sentences":[{"text":"However, they can also be a little bit more contestable.","start":1353.8301,"end":1356.25,"sentiment":"neutral","sentiment_score":-0.029903863556683064},{"text":"So just making sure that you are following the instructions that you do have them, you know, signed and witnessed and lodged correctly, then they can be absolutely fine.","start":1356.39,"end":1367.745,"sentiment":"neutral","sentiment_score":0.08134631626307964},{"text":"I would definitely suggest print out a copy.","start":1368.0449,"end":1370.0449,"sentiment":"neutral","sentiment_score":0.2661159336566925},{"text":"Once it's all been lodged and signed and witnessed, if they send you a a final copy, put it out somewhere and let, you know, your beneficiaries know where it's located.","start":1370.0449,"end":1379.36,"sentiment":"neutral","sentiment_score":0.1779558365383456},{"text":"So if anything does happen to you, they know where to go to get your will, and what's in it and things like that.","start":1379.66,"end":1386.2201,"sentiment":"neutral","sentiment_score":0.09799212869256735}],"sentiment":"neutral","sentiment_score":0.11820954928065047,"num_words":102,"start":1353.8301,"end":1386.2201},{"sentences":[{"text":"So the biggest thing comes down to communication with your family members and your beneficiaries.","start":1386.2201,"end":1390.5249,"sentiment":"neutral","sentiment_score":0.11907337903976441},{"text":"But these safe wills are often quite good.","start":1391.3849,"end":1393.8049,"sentiment":"positive","sentiment_score":0.3558460921049118},{"text":"It's just about promoting trying to get estate planning working because a lot of people don't have any of this done, and so many people do pass away with no estate planning, no wills set up, and then everything goes through probate.","start":1394.105,"end":1407.93,"sentiment":"neutral","sentiment_score":-0.007560738051931064},{"text":"And it's probably one of the hardest times for your family to go through.","start":1407.93,"end":1411.13,"sentiment":"neutral","sentiment_score":-0.1830160426242011},{"text":"But from what I'm looking at here, there's nothing wrong with that in any way, shape, or form.","start":1411.13,"end":1416.025,"sentiment":"neutral","sentiment_score":0.16227013245224953}],"sentiment":"neutral","sentiment_score":0.0481851155840859,"num_words":97,"start":1386.2201,"end":1416.025},{"sentences":[{"text":"It is solicited or reviewed.","start":1416.025,"end":1417.645,"sentiment":"neutral","sentiment_score":0.15173299014568328},{"text":"It's just utilizing the websites and trying to sort of promote getting the estate planning working for you guys.","start":1418.265,"end":1423.965,"sentiment":"neutral","sentiment_score":0.17260426008387617},{"text":"Yeah.","start":1424.105,"end":1424.605,"sentiment":"neutral","sentiment_score":0.2192234992980957},{"text":"Yeah.","start":1430.11,"end":1430.61,"sentiment":"neutral","sentiment_score":0.08214731514453888},{"text":"Yes.","start":1433.0701,"end":1433.5701,"sentiment":"neutral","sentiment_score":0.09073963761329652}],"sentiment":"neutral","sentiment_score":0.1640835683102961,"num_words":27,"start":1416.025,"end":1433.5701},{"sentences":[{"text":"Yep.","start":1434.35,"end":1434.85,"sentiment":"neutral","sentiment_score":0.019557958468794823},{"text":"Yes.","start":1436.925,"end":1437.425,"sentiment":"neutral","sentiment_score":0.04083592817187309},{"text":"Yeah.","start":1437.5651,"end":1438.0651,"sentiment":"neutral","sentiment_score":0.058336641639471054},{"text":"Yeah.","start":1446.765,"end":1447.265,"sentiment":"neutral","sentiment_score":0.0024035684764385223},{"text":"Yeah.","start":1447.805,"end":1448.305,"sentiment":"neutral","sentiment_score":-0.0012745652347803116}],"sentiment":"neutral","sentiment_score":0.023971906304359435,"num_words":5,"start":1434.35,"end":1448.305},{"sentences":[{"text":"Yeah.","start":1452.8601,"end":1453.3601,"sentiment":"neutral","sentiment_score":0.06460137665271759},{"text":"No.","start":1453.42,"end":1453.92,"sentiment":"neutral","sentiment_score":-0.03741119056940079},{"text":"It is really one of the most important things to do.","start":1453.9801,"end":1456.4601,"sentiment":"neutral","sentiment_score":-0.023525202138857407},{"text":"We, unfortunately, as financial advisers, do see a lot of the estate planning side of things, and we do deal with a lot of the estates after people have passed away.","start":1456.4601,"end":1465.2749,"sentiment":"neutral","sentiment_score":-0.15634621631714604},{"text":"And it is a really difficult time for most people.","start":1465.2749,"end":1467.9349,"sentiment":"neutral","sentiment_score":-0.25342867225408555}],"sentiment":"neutral","sentiment_score":-0.14097419381141663,"num_words":54,"start":1452.8601,"end":1467.9349},{"sentences":[{"text":"Most people don't have a will in place or have never really thought about having a will in place.","start":1468.715,"end":1473.615,"sentiment":"neutral","sentiment_score":-0.18807153482186167},{"text":"And going through probate is a long lengthy and can be a costly pros a process.","start":1474.25,"end":1478.83,"sentiment":"neutral","sentiment_score":-0.16935725882649422},{"text":"So you're definitely doing the right thing.","start":1478.97,"end":1481.0499,"sentiment":"neutral","sentiment_score":0.10937314693416868},{"text":"Would you still like me just to send that referral email through to you just to give you an idea on on how CGM what CGM do and the costing of a will on their end?","start":1481.0499,"end":1491.4851,"sentiment":"neutral","sentiment_score":0.04437827111946212},{"text":"Yeah.","start":1492.9851,"end":1493.4651,"sentiment":"neutral","sentiment_score":0.14767715334892273}],"sentiment":"neutral","sentiment_score":-0.047748966590513156,"num_words":79,"start":1468.715,"end":1493.4651},{"sentences":[{"text":"Absolutely.","start":1493.4651,"end":1493.9651,"sentiment":"positive","sentiment_score":0.3927965760231018},{"text":"Perfect.","start":1494.425,"end":1494.905,"sentiment":"positive","sentiment_score":0.5049569606781006},{"text":"I'll get that one done up for you now, and I'll shoot that through to Jesse's email for you.","start":1494.905,"end":1499.3251,"sentiment":"neutral","sentiment_score":0.2956910486284055},{"text":"Yes.","start":1504.8,"end":1505.28,"sentiment":"neutral","sentiment_score":0.007616065442562103},{"text":"From it looks like there isn't one on there.","start":1505.28,"end":1507.84,"sentiment":"neutral","sentiment_score":-0.07626204234030512}],"sentiment":"neutral","sentiment_score":0.18829487564582978,"num_words":31,"start":1493.4651,"end":1507.84},{"sentences":[{"text":"So with the recommendations I'm making, we are making the recommendation that he update those, and we will make sure and help him to have them filled out.","start":1507.84,"end":1515.215,"sentiment":"neutral","sentiment_score":-0.08857819437980652},{"text":"Yeah.","start":1515.215,"end":1515.535,"sentiment":"neutral","sentiment_score":-0.015261434018611908},{"text":"So we'll we'll get the beneficiaries all done up and send them to him, and then he's just gonna get them signed and witness them back to us, and we'll have them applied to each of those funds.","start":1515.535,"end":1523.955,"sentiment":"neutral","sentiment_score":0.22063197273957103},{"text":"Yeah.","start":1525.79,"end":1526.1901,"sentiment":"positive","sentiment_score":0.4649505615234375},{"text":"That's okay.","start":1526.1901,"end":1527.0901,"sentiment":"positive","sentiment_score":0.4960377961397171}],"sentiment":"neutral","sentiment_score":0.1049370034464768,"num_words":70,"start":1507.84,"end":1527.0901},{"sentences":[{"text":"Not a problem at all.","start":1527.15,"end":1528.53,"sentiment":"positive","sentiment_score":0.5078499555587769},{"text":"Easy, Jesse.","start":1530.75,"end":1531.63,"sentiment":"positive","sentiment_score":0.504988819360733},{"text":"The email's there for you.","start":1531.63,"end":1532.8301,"sentiment":"positive","sentiment_score":0.43207406997680664},{"text":"I'll get this next email out with the CJM information.","start":1532.8301,"end":1535.81,"sentiment":"positive","sentiment_score":0.3954702943563461},{"text":"And if you have any questions, just let me know.","start":1535.87,"end":1538.29,"sentiment":"neutral","sentiment_score":0.2788124427199364}],"sentiment":"positive","sentiment_score":0.389138285536319,"num_words":32,"start":1527.15,"end":1538.29},{"sentences":[{"text":"Easy.","start":1540.0209,"end":1540.5209,"sentiment":"positive","sentiment_score":0.5966955423355103},{"text":"No worries.","start":1540.6609,"end":1541.3809,"sentiment":"positive","sentiment_score":0.6085499227046967},{"text":"You have a good day.","start":1541.3809,"end":1542.5209,"sentiment":"positive","sentiment_score":0.7627835035324096},{"text":"Thanks, Jessie.","start":1543.8608,"end":1544.5809,"sentiment":"positive","sentiment_score":0.7631255984306335},{"text":"See you later.","start":1544.5809,"end":1545.4009,"sentiment":"positive","sentiment_score":0.3818105310201645}],"sentiment":"positive","sentiment_score":0.638415053486824,"num_words":13,"start":1540.0209,"end":1545.4009}]}}]},{"alternatives":[{"transcript":"Alright. Alright. Thank you. Yeah. No. I hate you, Spotted. Oh, it's not true. I'll just see it later. Yes. Jesse John McHugh. Sixteen eleven eighty eight, and 293 Rotary Park Road, Elbiton. Yep. Yes. Hello? Yes. What's the trauma insurance again. Yep. I'm not with that one. Yep. Yes. Yeah. What do you think about? What do you think about shares? Is there is there is there is there shares at the moment going for fresh precious minerals and precious metals and uranium at the moment? Yes. Yeah. Yeah. I was I was gonna say, because I've been working in the Air Peninsula and down at Moala, and they they just found the biggest uranium deposit in the world down in Moala. Yeah. Yeah. They had they had they got 50 they had 50 geos drilling in Moala. Yeah. That's that's a that's a good investment that is. Yep. Yes. Yeah. Yes. Yeah. And I I I was the other thing I was gonna bring up, I wanted I wanna claim I wanted to claim something so I can get veneers. But yeah. Because I broke my tooth and no. Because it's already capped, and I broke it again and run out of tooth. And I've got I've got half a tooth and half half of my missing teeth and yeah. I need to get it fixed. But I wanna get I wanna go. I've looked them up. Yeah. I think I think you could claim it on tax. Like, cosmetic. Yeah. Yes. Yes. Alrighty. Okay. Does she know how much the power of attorney? Oh, missus wants to know how much the cost for a power of attorney for you. Yes. What'd you say? I'm sorry. Hi. I'm good. How are you? Just just good. Thank you. There's free wheels on at the moment. I don't know what they're called. They used to be called or something like that. So I was I've nearly finished my wheel, and I was going to get Jesse to do his. And on there, it says you can add on a power of attorney for a $100. Like, we've never gone through like, this is something new for us to do that type of thing. Do you know anything about that? I'll have to look it up. I'll I'll tell you in one I think it's called SafeBook. Hold on. I'm on this. It's a customer's money. Yeah. Because I'll spend it on a on a impulse. Yeah. I do. Yeah. It's pretty safe, though. Yes. Yes. Yes. Okay. Yes. Yes. I Cool. Yeah. I did notice, you know, like, they quite they push quite a lot with, like, would you like to donate to this foundation and all of this? Like, it's already clicked yet, so you need to say no on the whole thing. And, yeah, it's fine. But I thought I could ask because I haven't done it, but my mom keeps on my back. You better have a will as you know, because we've got the kids. So Oh, no. Yeah. Good job. Yes. Yes. Yes. Yes, please. That'd be great. Yes, please. Thank you. Thank you. And did you say Jessie has a updated beneficiary with, or is that not Yeah. Wonderful. Okay. Thank you. Alright. Okay. Thank you.","confidence":0.9440694,"words":[{"word":"alright","start":1.1999999,"end":1.6999999,"confidence":0.7709014,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.12788736820220947},{"word":"alright","start":6.24,"end":6.64,"confidence":0.88945866,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.3117440938949585},{"word":"thank","start":6.64,"end":6.8799996,"confidence":0.9911731,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6787949800491333},{"word":"you","start":6.8799996,"end":7.3799996,"confidence":0.99933356,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5852406024932861},{"word":"yeah","start":13.28,"end":13.78,"confidence":0.91328025,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12405282258987428},{"word":"no","start":18.305,"end":18.545,"confidence":0.9224061,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.24980637431144712},{"word":"i","start":18.545,"end":18.625,"confidence":0.8134453,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4065660238265991},{"word":"hate","start":18.625,"end":18.865,"confidence":0.9679391,"punctuated_word":"hate","sentiment":"negative","sentiment_score":-0.41954654455184937},{"word":"you","start":18.865,"end":19.025,"confidence":0.4004032,"punctuated_word":"you,","sentiment":"negative","sentiment_score":-0.44039827585220337},{"word":"spotted","start":19.025,"end":19.525,"confidence":0.82481986,"punctuated_word":"Spotted.","sentiment":"negative","sentiment_score":-0.40275686979293823},{"word":"oh","start":33.54,"end":33.7,"confidence":0.7075908,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.11392688751220705},{"word":"it's","start":33.7,"end":33.86,"confidence":0.6154171,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.13930568099021912},{"word":"not","start":33.86,"end":34.22,"confidence":0.22854316,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.16830550134181976},{"word":"true","start":34.22,"end":34.58,"confidence":0.4806757,"punctuated_word":"true.","sentiment":"neutral","sentiment_score":-0.18395686149597168},{"word":"i'll","start":34.58,"end":34.94,"confidence":0.64678884,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.13400477170944214},{"word":"just","start":34.94,"end":35.3,"confidence":0.5759391,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10736693441867828},{"word":"see","start":35.3,"end":35.46,"confidence":0.33670786,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.12447517365217207},{"word":"it","start":35.46,"end":35.62,"confidence":0.58718836,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09993037581443788},{"word":"later","start":35.62,"end":36.12,"confidence":0.96314704,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":-0.0949140340089798},{"word":"yes","start":45.954998,"end":46.454998,"confidence":0.7454214,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1229032650589943},{"word":"jesse","start":54.710003,"end":55.11,"confidence":0.57466394,"punctuated_word":"Jesse","sentiment":"neutral","sentiment_score":0.02697638049721718},{"word":"john","start":55.11,"end":55.350002,"confidence":0.97096515,"punctuated_word":"John","sentiment":"neutral","sentiment_score":0.028529012575745583},{"word":"mchugh","start":55.350002,"end":55.850002,"confidence":0.8834348,"punctuated_word":"McHugh.","sentiment":"neutral","sentiment_score":0.0327664390206337},{"word":"sixteen","start":56.710003,"end":57.190002,"confidence":0.7293985,"punctuated_word":"Sixteen","sentiment":"neutral","sentiment_score":0.025888832286000252},{"word":"eleven","start":57.190002,"end":57.510002,"confidence":0.98548025,"punctuated_word":"eleven","sentiment":"neutral","sentiment_score":0.02330872043967247},{"word":"eighty","start":57.510002,"end":57.75,"confidence":0.99157435,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":0.03228185325860977},{"word":"eight","start":57.75,"end":58.25,"confidence":0.6968632,"punctuated_word":"eight,","sentiment":"neutral","sentiment_score":0.020259086042642593},{"word":"and","start":58.870003,"end":59.11,"confidence":0.9968821,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.023171590641140934},{"word":"293","start":59.11,"end":59.75,"confidence":0.7880352,"punctuated_word":"293","sentiment":"neutral","sentiment_score":0.037211742252111435},{"word":"rotary","start":59.75,"end":60.15,"confidence":0.95815456,"punctuated_word":"Rotary","sentiment":"neutral","sentiment_score":0.04982967674732208},{"word":"park","start":60.15,"end":60.31,"confidence":0.99734926,"punctuated_word":"Park","sentiment":"neutral","sentiment_score":0.037830982357263565},{"word":"road","start":60.31,"end":60.63,"confidence":0.98229545,"punctuated_word":"Road,","sentiment":"neutral","sentiment_score":0.037047021090984344},{"word":"elbiton","start":60.63,"end":61.13,"confidence":0.7675117,"punctuated_word":"Elbiton.","sentiment":"neutral","sentiment_score":0.07233749330043793},{"word":"yep","start":80.725006,"end":81.0,"confidence":0.8387526,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1765371859073639},{"word":"yes","start":109.32,"end":109.82,"confidence":0.8361237,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.01500639971345663},{"word":"hello","start":136.62999,"end":137.12999,"confidence":0.8554643,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.16013282537460327},{"word":"yes","start":143.51,"end":143.805,"confidence":0.9944917,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.17239466309547424},{"word":"what's","start":226.185,"end":226.665,"confidence":0.5871433,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.11378123611211775},{"word":"the","start":226.665,"end":226.745,"confidence":0.38879737,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15518829226493835},{"word":"trauma","start":226.825,"end":227.22499,"confidence":0.4165144,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.21269117295742035},{"word":"insurance","start":227.22499,"end":227.625,"confidence":0.9957598,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.16398873925209043},{"word":"again","start":227.625,"end":228.125,"confidence":0.8500445,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.07740022242069244},{"word":"yep","start":262.15,"end":262.65,"confidence":0.80648893,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04561769589781761},{"word":"i'm","start":263.50998,"end":264.00998,"confidence":0.5922961,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.11818798631429672},{"word":"not","start":264.31,"end":264.71,"confidence":0.8496947,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1194310411810875},{"word":"with","start":264.71,"end":264.87,"confidence":0.5210945,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.19564810395240784},{"word":"that","start":264.87,"end":265.03,"confidence":0.9990387,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2037990838289261},{"word":"one","start":265.03,"end":265.53,"confidence":0.9988544,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.20075848698616028},{"word":"yep","start":312.725,"end":313.05,"confidence":0.78608596,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10555358976125716},{"word":"yes","start":324.49,"end":324.99,"confidence":0.9228493,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2769423723220825},{"word":"yeah","start":348.37,"end":348.87,"confidence":0.79108346,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23477081954479215},{"word":"what","start":543.49,"end":543.97,"confidence":0.22071818,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.05573902651667595},{"word":"do","start":543.97,"end":544.05,"confidence":0.4424194,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04995836690068245},{"word":"you","start":544.05,"end":544.066,"confidence":0.9228347,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.049152884632349014},{"word":"think","start":544.066,"end":544.082,"confidence":0.3042579,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.07391439378261566},{"word":"about","start":544.082,"end":544.098,"confidence":0.2561946,"punctuated_word":"about?","sentiment":"neutral","sentiment_score":-0.03894110769033432},{"word":"what","start":544.098,"end":544.114,"confidence":0.82026476,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.04856222867965698},{"word":"do","start":544.114,"end":544.13,"confidence":0.5835254,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.045180544257164},{"word":"you","start":544.13,"end":544.20996,"confidence":0.93468183,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.043578408658504486},{"word":"think","start":544.20996,"end":544.45,"confidence":0.43869644,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.059807948768138885},{"word":"about","start":544.45,"end":544.69,"confidence":0.9048446,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.05678306519985199},{"word":"shares","start":544.69,"end":545.19,"confidence":0.60616887,"punctuated_word":"shares?","sentiment":"neutral","sentiment_score":-0.04405374825000763},{"word":"is","start":552.305,"end":552.805,"confidence":0.83346224,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.03622013330459595},{"word":"there","start":553.185,"end":553.345,"confidence":0.41131967,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.003830231726169586},{"word":"is","start":553.345,"end":553.845,"confidence":0.96042585,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01306295581161976},{"word":"there","start":554.545,"end":554.625,"confidence":0.6636038,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.00581977516412735},{"word":"is","start":554.625,"end":554.705,"confidence":0.947409,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.015725519508123398},{"word":"there","start":554.705,"end":554.825,"confidence":0.9199913,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.000014856457710266112},{"word":"is","start":554.825,"end":554.945,"confidence":0.65275043,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.011566117405891418},{"word":"there","start":554.945,"end":555.185,"confidence":0.9368275,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.0025558732450008392},{"word":"shares","start":555.185,"end":555.505,"confidence":0.89332134,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.05028850957751274},{"word":"at","start":555.505,"end":555.665,"confidence":0.9841404,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02875455841422081},{"word":"the","start":555.665,"end":555.745,"confidence":0.99913555,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019900396466255188},{"word":"moment","start":555.745,"end":556.145,"confidence":0.9996105,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.019970305263996124},{"word":"going","start":556.145,"end":556.545,"confidence":0.8004222,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.009344089776277542},{"word":"for","start":556.545,"end":556.865,"confidence":0.9666139,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0012726038694381714},{"word":"fresh","start":556.865,"end":557.105,"confidence":0.43026423,"punctuated_word":"fresh","sentiment":"neutral","sentiment_score":-0.02843849360942841},{"word":"precious","start":557.265,"end":557.665,"confidence":0.99765563,"punctuated_word":"precious","sentiment":"neutral","sentiment_score":-0.0394723042845726},{"word":"minerals","start":557.665,"end":558.065,"confidence":0.99608624,"punctuated_word":"minerals","sentiment":"neutral","sentiment_score":-0.005558609962463379},{"word":"and","start":558.065,"end":558.225,"confidence":0.99625456,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.020752135664224625},{"word":"precious","start":558.225,"end":558.625,"confidence":0.999025,"punctuated_word":"precious","sentiment":"neutral","sentiment_score":-0.042529329657554626},{"word":"metals","start":558.625,"end":559.125,"confidence":0.9952814,"punctuated_word":"metals","sentiment":"neutral","sentiment_score":-0.008411303162574768},{"word":"and","start":559.425,"end":559.585,"confidence":0.6879005,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02767839282751083},{"word":"uranium","start":559.585,"end":559.985,"confidence":0.92422897,"punctuated_word":"uranium","sentiment":"neutral","sentiment_score":-0.04490059986710549},{"word":"at","start":559.985,"end":560.145,"confidence":0.9981797,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.027804318815469745},{"word":"the","start":560.145,"end":560.305,"confidence":0.9970908,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.010729100555181503},{"word":"moment","start":560.305,"end":560.64,"confidence":0.99113107,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":-0.008889848366379738},{"word":"yes","start":590.02997,"end":590.52997,"confidence":0.8601475,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11760831624269484},{"word":"yeah","start":672.86005,"end":673.36005,"confidence":0.82110405,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07536809146404266},{"word":"yeah","start":674.30005,"end":674.62006,"confidence":0.8935221,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0365125834941864},{"word":"i","start":674.62006,"end":675.12006,"confidence":0.42115715,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0005308855324983597},{"word":"was","start":675.98004,"end":676.30005,"confidence":0.48087904,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.005259746685624123},{"word":"i","start":676.30005,"end":676.46,"confidence":0.56106585,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00772453099489212},{"word":"was","start":676.46,"end":676.62006,"confidence":0.9940404,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.003522183746099472},{"word":"gonna","start":676.62006,"end":676.94,"confidence":0.8226679,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.012676529586315157},{"word":"say","start":676.94,"end":677.02,"confidence":0.6202386,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.018855661153793335},{"word":"because","start":677.02,"end":677.26,"confidence":0.9828576,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.01532754860818386},{"word":"i've","start":677.26,"end":677.42004,"confidence":0.99419767,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.02593756839632988},{"word":"been","start":677.42004,"end":677.5,"confidence":0.9988978,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.025483017787337303},{"word":"working","start":677.5,"end":677.82,"confidence":0.9992974,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.0415797233581543},{"word":"in","start":677.82,"end":677.9,"confidence":0.9988263,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03687577694654465},{"word":"the","start":677.9,"end":678.06,"confidence":0.98808914,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03647578880190849},{"word":"air","start":678.06,"end":678.22003,"confidence":0.7630639,"punctuated_word":"Air","sentiment":"neutral","sentiment_score":0.01928560808300972},{"word":"peninsula","start":678.22003,"end":678.72003,"confidence":0.9649072,"punctuated_word":"Peninsula","sentiment":"neutral","sentiment_score":0.02468927577137947},{"word":"and","start":680.025,"end":680.265,"confidence":0.66082305,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.025105584412813187},{"word":"down","start":680.265,"end":680.505,"confidence":0.75274736,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.029508747160434723},{"word":"at","start":680.505,"end":680.585,"confidence":0.48639947,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.030568649992346764},{"word":"moala","start":680.585,"end":681.085,"confidence":0.42713395,"punctuated_word":"Moala,","sentiment":"neutral","sentiment_score":0.030842574313282967},{"word":"and","start":681.945,"end":682.445,"confidence":0.99901414,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.039519257843494415},{"word":"they","start":682.825,"end":683.145,"confidence":0.9954904,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.04202231019735336},{"word":"they","start":683.145,"end":683.465,"confidence":0.73035693,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.05365223437547684},{"word":"just","start":683.465,"end":683.965,"confidence":0.9054571,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.061032358556985855},{"word":"found","start":684.025,"end":684.34503,"confidence":0.95062363,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.06391039490699768},{"word":"the","start":684.34503,"end":684.505,"confidence":0.9989691,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05816558003425598},{"word":"biggest","start":684.505,"end":684.825,"confidence":0.9996841,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.04800262674689293},{"word":"uranium","start":684.825,"end":685.325,"confidence":0.9930172,"punctuated_word":"uranium","sentiment":"neutral","sentiment_score":0.03688604757189751},{"word":"deposit","start":685.545,"end":686.045,"confidence":0.99560297,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":0.055387794971466064},{"word":"in","start":686.34503,"end":686.425,"confidence":0.9997948,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.056748759001493454},{"word":"the","start":686.425,"end":686.505,"confidence":0.99951065,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03818941116333008},{"word":"world","start":686.505,"end":687.005,"confidence":0.9994949,"punctuated_word":"world","sentiment":"neutral","sentiment_score":0.051297567784786224},{"word":"down","start":687.385,"end":687.625,"confidence":0.82054025,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.046767763793468475},{"word":"in","start":687.625,"end":687.78503,"confidence":0.5770889,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.047051385045051575},{"word":"moala","start":687.78503,"end":688.28503,"confidence":0.9969816,"punctuated_word":"Moala.","sentiment":"neutral","sentiment_score":0.022455628961324692},{"word":"yeah","start":689.865,"end":690.365,"confidence":0.8496765,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.028219712898135185},{"word":"yeah","start":691.385,"end":691.885,"confidence":0.9302711,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011145620606839657},{"word":"they","start":692.425,"end":692.585,"confidence":0.687956,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.010394763201475143},{"word":"had","start":692.585,"end":692.97,"confidence":0.9949345,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.007681869901716709},{"word":"they","start":693.05,"end":693.14996,"confidence":0.9978085,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.017298690974712372},{"word":"had","start":693.14996,"end":693.25,"confidence":0.99355316,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.021630236878991127},{"word":"they","start":693.35,"end":693.44995,"confidence":0.94276243,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.026066958904266357},{"word":"got","start":693.44995,"end":693.76996,"confidence":0.6875227,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.03525017946958542},{"word":"50","start":693.76996,"end":694.17,"confidence":0.99646145,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.024769850075244904},{"word":"they","start":694.17,"end":694.32996,"confidence":0.9487729,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.024032998830080032},{"word":"had","start":694.32996,"end":694.56995,"confidence":0.9902592,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.024736031889915463},{"word":"50","start":694.56995,"end":694.88995,"confidence":0.9994659,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.026006236672401428},{"word":"geos","start":694.88995,"end":695.37,"confidence":0.6403805,"punctuated_word":"geos","sentiment":"neutral","sentiment_score":0.026894131675362587},{"word":"drilling","start":695.37,"end":695.87,"confidence":0.71074116,"punctuated_word":"drilling","sentiment":"neutral","sentiment_score":0.047942642122507095},{"word":"in","start":695.93,"end":696.17,"confidence":0.9763573,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02457587234675884},{"word":"moala","start":696.17,"end":696.67,"confidence":0.88907695,"punctuated_word":"Moala.","sentiment":"neutral","sentiment_score":0.02971268631517887},{"word":"yeah","start":699.05,"end":699.55,"confidence":0.7329546,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2247503697872162},{"word":"that's","start":702.88995,"end":703.20996,"confidence":0.94035244,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7942022085189819},{"word":"that's","start":703.20996,"end":703.37,"confidence":0.97983706,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.811638355255127},{"word":"a","start":703.37,"end":703.61,"confidence":0.77332854,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7911514043807983},{"word":"that's","start":703.61,"end":703.85,"confidence":0.87976265,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.8482930660247803},{"word":"a","start":703.85,"end":703.93,"confidence":0.99029595,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8182327747344971},{"word":"good","start":703.93,"end":704.17,"confidence":0.8777605,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.8278375864028931},{"word":"investment","start":704.17,"end":704.67,"confidence":0.99511564,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.7677227258682251},{"word":"that","start":704.81,"end":704.97,"confidence":0.49983948,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.8462333679199219},{"word":"is","start":704.97,"end":705.165,"confidence":0.9838401,"punctuated_word":"is.","sentiment":"positive","sentiment_score":0.7227271199226379},{"word":"yep","start":766.425,"end":766.925,"confidence":0.88406837,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3569919466972351},{"word":"yes","start":833.795,"end":834.295,"confidence":0.9520626,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.20296427607536316},{"word":"yeah","start":878.66504,"end":879.16504,"confidence":0.7854924,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13894692063331604},{"word":"yes","start":908.49,"end":908.715,"confidence":0.8634428,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08717320114374161},{"word":"yeah","start":975.01,"end":975.51,"confidence":0.98140025,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3944493532180786},{"word":"and","start":976.45,"end":976.61,"confidence":0.85824794,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11979661881923676},{"word":"i","start":976.61,"end":976.77,"confidence":0.452572,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04023781791329384},{"word":"i","start":976.77,"end":976.9033,"confidence":0.44096455,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008617844432592392},{"word":"i","start":976.9033,"end":977.0367,"confidence":0.49624255,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0022629238665103912},{"word":"was","start":977.0367,"end":977.17,"confidence":0.73079467,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.003683038055896759},{"word":"the","start":977.33,"end":977.41003,"confidence":0.38174978,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005093764513731003},{"word":"other","start":977.41003,"end":977.57,"confidence":0.82987934,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0035739727318286896},{"word":"thing","start":977.57,"end":977.73,"confidence":0.9977525,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.004843134433031082},{"word":"i","start":977.73,"end":977.89,"confidence":0.99128014,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.033982474356889725},{"word":"was","start":977.89,"end":978.05,"confidence":0.99945694,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.02451138012111187},{"word":"gonna","start":978.05,"end":978.21,"confidence":0.9695072,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.005353793501853943},{"word":"bring","start":978.21,"end":978.45,"confidence":0.9982332,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":-0.0037774238735437393},{"word":"up","start":978.45,"end":978.95,"confidence":0.86560196,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.004212993197143078},{"word":"i","start":979.89,"end":980.13,"confidence":0.8151526,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03190562501549721},{"word":"wanted","start":980.13,"end":980.53,"confidence":0.93854594,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.01451767235994339},{"word":"i","start":980.53,"end":980.69,"confidence":0.9522967,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03067430853843689},{"word":"wanna","start":980.69,"end":980.93,"confidence":0.5513149,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.014906011521816254},{"word":"claim","start":980.93,"end":981.33,"confidence":0.9965329,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.027302466332912445},{"word":"i","start":981.33,"end":981.41003,"confidence":0.78718877,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.036062952131032944},{"word":"wanted","start":981.41003,"end":981.65,"confidence":0.96576995,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.009135130792856216},{"word":"to","start":981.65,"end":981.81,"confidence":0.98548,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02813895046710968},{"word":"claim","start":981.81,"end":982.05,"confidence":0.9970637,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.06449472159147263},{"word":"something","start":982.05,"end":982.37,"confidence":0.5464183,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.019248507916927338},{"word":"so","start":982.37,"end":982.53,"confidence":0.6324305,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.010013274848461153},{"word":"i","start":982.53,"end":982.77,"confidence":0.69184667,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02622447907924652},{"word":"can","start":982.77,"end":982.93,"confidence":0.72242206,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03660965710878372},{"word":"get","start":982.93,"end":983.09,"confidence":0.99328583,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.010004445910453796},{"word":"veneers","start":983.09,"end":983.59,"confidence":0.90952396,"punctuated_word":"veneers.","sentiment":"neutral","sentiment_score":0.030696522444486615},{"word":"but","start":987.595,"end":987.675,"confidence":0.86493015,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.001225452870130539},{"word":"yeah","start":987.83496,"end":988.235,"confidence":0.9920247,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.061305783689022064},{"word":"because","start":988.235,"end":988.555,"confidence":0.54440296,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.15239529311656952},{"word":"i","start":988.555,"end":988.71497,"confidence":0.9981371,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2714117765426636},{"word":"broke","start":988.71497,"end":988.95496,"confidence":0.9259016,"punctuated_word":"broke","sentiment":"neutral","sentiment_score":-0.29511770606040955},{"word":"my","start":988.95496,"end":989.035,"confidence":0.94927645,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.3135964572429657},{"word":"tooth","start":989.035,"end":989.355,"confidence":0.9773423,"punctuated_word":"tooth","sentiment":"neutral","sentiment_score":-0.21911931037902832},{"word":"and","start":989.355,"end":989.855,"confidence":0.78185886,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.23722806572914124},{"word":"no","start":991.83496,"end":992.07495,"confidence":0.98253816,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.2486569881439209},{"word":"because","start":992.07495,"end":992.235,"confidence":0.98796254,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.2512781620025635},{"word":"it's","start":992.235,"end":992.39496,"confidence":0.891272,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.29119837284088135},{"word":"already","start":992.39496,"end":992.71497,"confidence":0.9961659,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.3090248703956604},{"word":"capped","start":992.71497,"end":992.875,"confidence":0.7316879,"punctuated_word":"capped,","sentiment":"neutral","sentiment_score":-0.2596178650856018},{"word":"and","start":992.875,"end":993.035,"confidence":0.9894521,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.21555161476135257},{"word":"i","start":993.035,"end":993.19495,"confidence":0.99789727,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23210537433624268},{"word":"broke","start":993.19495,"end":993.355,"confidence":0.9960989,"punctuated_word":"broke","sentiment":"neutral","sentiment_score":-0.22044384479522705},{"word":"it","start":993.355,"end":993.855,"confidence":0.9991154,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.27227914333343506},{"word":"again","start":993.995,"end":994.475,"confidence":0.9968311,"punctuated_word":"again","sentiment":"neutral","sentiment_score":-0.21156130731105804},{"word":"and","start":994.475,"end":994.975,"confidence":0.8099954,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0889236107468605},{"word":"run","start":995.035,"end":995.27496,"confidence":0.6400521,"punctuated_word":"run","sentiment":"neutral","sentiment_score":-0.23638567328453064},{"word":"out","start":995.27496,"end":995.435,"confidence":0.69820493,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.20444993674755096},{"word":"of","start":995.435,"end":995.595,"confidence":0.8603019,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21043521165847776},{"word":"tooth","start":995.595,"end":996.095,"confidence":0.7571324,"punctuated_word":"tooth.","sentiment":"neutral","sentiment_score":-0.1914070099592209},{"word":"and","start":996.39496,"end":996.71497,"confidence":0.9962269,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.13013970851898193},{"word":"i've","start":996.71497,"end":996.95496,"confidence":0.81823957,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.18623340129852295},{"word":"got","start":996.95496,"end":997.19495,"confidence":0.9197863,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.2120881825685501},{"word":"i've","start":997.19495,"end":997.435,"confidence":0.9440694,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.20578691363334656},{"word":"got","start":997.435,"end":997.595,"confidence":0.99736315,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.259003221988678},{"word":"half","start":997.595,"end":997.83496,"confidence":0.9862184,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.16749921441078186},{"word":"a","start":997.83496,"end":997.915,"confidence":0.5632572,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.228396475315094},{"word":"tooth","start":997.915,"end":998.235,"confidence":0.9989844,"punctuated_word":"tooth","sentiment":"neutral","sentiment_score":-0.15745320916175842},{"word":"and","start":998.235,"end":998.735,"confidence":0.8250897,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1823708415031433},{"word":"half","start":999.97003,"end":1000.37,"confidence":0.99164164,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.1514708250761032},{"word":"half","start":1000.37,"end":1000.53,"confidence":0.7973686,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.11641903966665268},{"word":"of","start":1000.53,"end":1000.97003,"confidence":0.76604277,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1898498237133026},{"word":"my","start":1000.97003,"end":1001.41003,"confidence":0.5441985,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.2161952555179596},{"word":"missing","start":1001.41003,"end":1001.65,"confidence":0.7943485,"punctuated_word":"missing","sentiment":"neutral","sentiment_score":-0.17978423833847046},{"word":"teeth","start":1001.65,"end":1002.05,"confidence":0.97590363,"punctuated_word":"teeth","sentiment":"neutral","sentiment_score":-0.17035935819149017},{"word":"and","start":1002.05,"end":1002.55,"confidence":0.5643545,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1237635612487793},{"word":"yeah","start":1002.69,"end":1002.93,"confidence":0.9904324,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.1747417449951172},{"word":"i","start":1002.93,"end":1003.01,"confidence":0.7755872,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2578619718551636},{"word":"need","start":1003.01,"end":1003.17004,"confidence":0.8684135,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.28113266825675964},{"word":"to","start":1003.17004,"end":1003.33,"confidence":0.92250246,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2663120627403259},{"word":"get","start":1003.33,"end":1003.57,"confidence":0.9285573,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.28280696272850037},{"word":"it","start":1003.57,"end":1003.65,"confidence":0.5912036,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.30053409934043884},{"word":"fixed","start":1003.65,"end":1003.97003,"confidence":0.6957569,"punctuated_word":"fixed.","sentiment":"neutral","sentiment_score":-0.2658819854259491},{"word":"but","start":1003.97003,"end":1004.21,"confidence":0.9919282,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.14111016690731049},{"word":"i","start":1004.21,"end":1004.29,"confidence":0.99925953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15122419595718384},{"word":"wanna","start":1004.29,"end":1004.53,"confidence":0.9844317,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.016355250030755997},{"word":"get","start":1004.53,"end":1004.69,"confidence":0.99423766,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.06009808927774429},{"word":"i","start":1004.69,"end":1004.85004,"confidence":0.92568374,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11221858859062196},{"word":"wanna","start":1004.85004,"end":1005.09,"confidence":0.99619776,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.00706632062792778},{"word":"go","start":1005.09,"end":1005.59,"confidence":0.50868696,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":-0.044836487621068954},{"word":"i've","start":1015.265,"end":1015.505,"confidence":0.7084558,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.011123621836304665},{"word":"looked","start":1015.505,"end":1015.745,"confidence":0.9796041,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.003926534205675125},{"word":"them","start":1015.745,"end":1015.905,"confidence":0.91704935,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.011240441352128984},{"word":"up","start":1015.905,"end":1016.405,"confidence":0.9437602,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.01823188364505768},{"word":"yeah","start":1053.405,"end":1053.9,"confidence":0.7213499,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03918642923235893},{"word":"i","start":1079.4,"end":1079.88,"confidence":0.59606093,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2262612283229828},{"word":"think","start":1079.88,"end":1080.38,"confidence":0.18176045,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.18043044209480288},{"word":"i","start":1090.68,"end":1090.76,"confidence":0.626091,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2703379988670349},{"word":"think","start":1090.76,"end":1091.0801,"confidence":0.47441995,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.2575331926345825},{"word":"you","start":1091.0801,"end":1091.24,"confidence":0.58475167,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2887931764125824},{"word":"could","start":1091.24,"end":1091.3201,"confidence":0.9236343,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.25750717520713806},{"word":"claim","start":1091.3201,"end":1091.56,"confidence":0.96028906,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.2260756492614746},{"word":"it","start":1091.56,"end":1091.8,"confidence":0.9776689,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2720339596271515},{"word":"on","start":1091.8,"end":1091.9601,"confidence":0.93285644,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.30394458770751953},{"word":"tax","start":1091.9601,"end":1092.285,"confidence":0.71923244,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.2298656702041626},{"word":"like","start":1094.125,"end":1094.285,"confidence":0.76282203,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.20566952228546145},{"word":"cosmetic","start":1094.285,"end":1094.785,"confidence":0.7932427,"punctuated_word":"cosmetic.","sentiment":"neutral","sentiment_score":-0.15339821577072144},{"word":"yeah","start":1104.045,"end":1104.3,"confidence":0.7012257,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06879863142967224},{"word":"yes","start":1143.465,"end":1143.965,"confidence":0.9857538,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07342185080051422},{"word":"yes","start":1174.2,"end":1174.425,"confidence":0.68901354,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.17240676283836365},{"word":"alrighty","start":1174.905,"end":1175.405,"confidence":0.8375423,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.2403973639011383},{"word":"okay","start":1200.6,"end":1200.945,"confidence":0.97578305,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.19724896550178528},{"word":"does","start":1205.505,"end":1205.6649,"confidence":0.45819774,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":-0.00909477286040783},{"word":"she","start":1205.6649,"end":1205.825,"confidence":0.98575854,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.00264928862452507},{"word":"know","start":1205.825,"end":1206.065,"confidence":0.9882321,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.0009389836341142654},{"word":"how","start":1206.065,"end":1206.1449,"confidence":0.9842031,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.0031948722898960114},{"word":"much","start":1206.1449,"end":1206.465,"confidence":0.99699235,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.0001272447407245636},{"word":"the","start":1206.465,"end":1206.625,"confidence":0.67206794,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0000803731381893158},{"word":"power","start":1206.625,"end":1207.0249,"confidence":0.9686169,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.01797977089881897},{"word":"of","start":1207.0249,"end":1207.105,"confidence":0.6462173,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009845223277807236},{"word":"attorney","start":1207.105,"end":1207.605,"confidence":0.6943153,"punctuated_word":"attorney?","sentiment":"neutral","sentiment_score":0.00321930181235075},{"word":"oh","start":1208.225,"end":1208.725,"confidence":0.86564547,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.006255587562918663},{"word":"missus","start":1209.345,"end":1209.6649,"confidence":0.85220087,"punctuated_word":"missus","sentiment":"neutral","sentiment_score":0.005989890545606613},{"word":"wants","start":1209.6649,"end":1209.9049,"confidence":0.967061,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":-0.0030552297830581665},{"word":"to","start":1209.9049,"end":1209.985,"confidence":0.9921293,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0006690528243780136},{"word":"know","start":1209.985,"end":1210.225,"confidence":0.99943036,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.0031507499516010284},{"word":"how","start":1210.225,"end":1210.3849,"confidence":0.99351585,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0018574707210063936},{"word":"much","start":1210.3849,"end":1210.7849,"confidence":0.9996544,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.006694978103041649},{"word":"the","start":1210.7849,"end":1211.105,"confidence":0.8357022,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.001066412776708603},{"word":"cost","start":1211.105,"end":1211.605,"confidence":0.97438985,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.01255057193338871},{"word":"for","start":1211.745,"end":1212.065,"confidence":0.876319,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.00794261135160923},{"word":"a","start":1212.065,"end":1212.1449,"confidence":0.88442075,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005114451050758362},{"word":"power","start":1212.1449,"end":1212.465,"confidence":0.9976025,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.016230463981628418},{"word":"of","start":1212.465,"end":1212.625,"confidence":0.95763624,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.005428249016404152},{"word":"attorney","start":1212.625,"end":1212.96,"confidence":0.99527353,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.006390901282429695},{"word":"for","start":1212.96,"end":1213.46,"confidence":0.22112083,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.007651817053556442},{"word":"you","start":1218.9675,"end":1219.4675,"confidence":0.5276238,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.10864515602588654},{"word":"yes","start":1233.535,"end":1234.035,"confidence":0.6751013,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.009732813574373722},{"word":"what'd","start":1242.75,"end":1242.99,"confidence":0.37223697,"punctuated_word":"What'd","sentiment":"neutral","sentiment_score":-0.01536236982792616},{"word":"you","start":1242.99,"end":1243.15,"confidence":0.99320495,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.022183658555150032},{"word":"say","start":1243.15,"end":1243.39,"confidence":0.6668416,"punctuated_word":"say?","sentiment":"neutral","sentiment_score":-0.020365703850984573},{"word":"i'm","start":1243.39,"end":1243.55,"confidence":0.66621745,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.09309250116348268},{"word":"sorry","start":1243.55,"end":1244.05,"confidence":0.5405573,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.0697111189365387},{"word":"hi","start":1244.99,"end":1245.49,"confidence":0.89601064,"punctuated_word":"Hi.","sentiment":"neutral","sentiment_score":0.07212581485509872},{"word":"i'm","start":1246.99,"end":1247.31,"confidence":0.74664026,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.13699062168598175},{"word":"good","start":1247.31,"end":1247.55,"confidence":0.9317169,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1876780390739441},{"word":"how","start":1247.55,"end":1247.7101,"confidence":0.9990521,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.19977694749832153},{"word":"are","start":1247.7101,"end":1247.87,"confidence":0.9988273,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16107246279716492},{"word":"you","start":1247.87,"end":1248.37,"confidence":0.9996856,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.15238118171691897},{"word":"just","start":1248.43,"end":1248.91,"confidence":0.5573626,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.18427953124046328},{"word":"just","start":1248.91,"end":1249.41,"confidence":0.8648428,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22278161346912384},{"word":"good","start":1250.35,"end":1250.67,"confidence":0.7555069,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2573058009147644},{"word":"thank","start":1250.67,"end":1250.99,"confidence":0.9927665,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.34735649824142456},{"word":"you","start":1250.99,"end":1251.49,"confidence":0.9996757,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.29257792234420776},{"word":"there's","start":1251.55,"end":1251.795,"confidence":0.80825466,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.06270892918109894},{"word":"free","start":1252.035,"end":1252.275,"confidence":0.71765536,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.0720980316400528},{"word":"wheels","start":1252.275,"end":1252.755,"confidence":0.9670054,"punctuated_word":"wheels","sentiment":"neutral","sentiment_score":0.07639040052890778},{"word":"on","start":1252.755,"end":1253.255,"confidence":0.9978573,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04979744553565979},{"word":"at","start":1253.7151,"end":1253.9551,"confidence":0.47574845,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.028231047093868256},{"word":"the","start":1253.9551,"end":1254.115,"confidence":0.99962544,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05127095431089401},{"word":"moment","start":1254.115,"end":1254.5951,"confidence":0.9965621,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.0540497824549675},{"word":"i","start":1254.5951,"end":1254.675,"confidence":0.99987686,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.020477626472711563},{"word":"don't","start":1254.675,"end":1254.915,"confidence":0.999969,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.033645566552877426},{"word":"know","start":1254.915,"end":1255.0751,"confidence":0.9981102,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.0293644554913044},{"word":"what","start":1255.0751,"end":1255.235,"confidence":0.9998173,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.027123400941491127},{"word":"they're","start":1255.235,"end":1255.4751,"confidence":0.9878318,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.012631552293896677},{"word":"called","start":1255.4751,"end":1255.795,"confidence":0.9984583,"punctuated_word":"called.","sentiment":"neutral","sentiment_score":-0.025944307446479797},{"word":"they","start":1255.795,"end":1255.9551,"confidence":0.9956304,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.021055301651358604},{"word":"used","start":1255.9551,"end":1256.1951,"confidence":0.980518,"punctuated_word":"used","sentiment":"neutral","sentiment_score":-0.02404535375535488},{"word":"to","start":1256.1951,"end":1256.275,"confidence":0.9953981,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.013188792392611504},{"word":"be","start":1256.275,"end":1256.3551,"confidence":0.9951056,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.009556647390127182},{"word":"called","start":1256.3551,"end":1256.8551,"confidence":0.9789059,"punctuated_word":"called","sentiment":"neutral","sentiment_score":-0.026211293414235115},{"word":"or","start":1257.235,"end":1257.395,"confidence":0.22381984,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.026200631633400917},{"word":"something","start":1257.395,"end":1257.7151,"confidence":0.9944079,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.03038003295660019},{"word":"like","start":1257.7151,"end":1257.875,"confidence":0.9990471,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.028799155727028847},{"word":"that","start":1257.875,"end":1258.115,"confidence":0.975708,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.01257632113993168},{"word":"so","start":1258.115,"end":1258.275,"confidence":0.9931379,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.008978670462965965},{"word":"i","start":1258.275,"end":1258.435,"confidence":0.99941707,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0003643929958343506},{"word":"was","start":1258.435,"end":1258.8351,"confidence":0.9957425,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.0038437247276306152},{"word":"i've","start":1259.0751,"end":1259.4751,"confidence":0.95988095,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.0057840049266815186},{"word":"nearly","start":1259.4751,"end":1259.795,"confidence":0.6856205,"punctuated_word":"nearly","sentiment":"neutral","sentiment_score":0.004523903131484985},{"word":"finished","start":1259.795,"end":1260.1951,"confidence":0.99309444,"punctuated_word":"finished","sentiment":"neutral","sentiment_score":0.04845718294382095},{"word":"my","start":1260.1951,"end":1260.435,"confidence":0.9927592,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.03819049149751663},{"word":"wheel","start":1260.435,"end":1260.5951,"confidence":0.7586049,"punctuated_word":"wheel,","sentiment":"neutral","sentiment_score":0.04528767615556717},{"word":"and","start":1260.5951,"end":1260.755,"confidence":0.99958974,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017879921942949295},{"word":"i","start":1260.755,"end":1260.8351,"confidence":0.99916434,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01587653160095215},{"word":"was","start":1260.8351,"end":1261.0751,"confidence":0.9995697,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.019094791263341904},{"word":"going","start":1261.0751,"end":1261.3151,"confidence":0.99917907,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.04937911406159401},{"word":"to","start":1261.3151,"end":1261.8151,"confidence":0.9922879,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04198295995593071},{"word":"get","start":1262.5951,"end":1262.8351,"confidence":0.9851177,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.023016486316919327},{"word":"jesse","start":1262.8351,"end":1263.235,"confidence":0.8465008,"punctuated_word":"Jesse","sentiment":"neutral","sentiment_score":0.010509254410862924},{"word":"to","start":1263.235,"end":1263.395,"confidence":0.97012556,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04635258764028549},{"word":"do","start":1263.395,"end":1263.635,"confidence":0.9932325,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0378052219748497},{"word":"his","start":1263.635,"end":1264.135,"confidence":0.90468,"punctuated_word":"his.","sentiment":"neutral","sentiment_score":0.03858225792646408},{"word":"and","start":1264.3551,"end":1264.5951,"confidence":0.99840575,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.020553473383188248},{"word":"on","start":1264.5951,"end":1264.8351,"confidence":0.996307,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.004767563194036484},{"word":"there","start":1264.8351,"end":1265.3351,"confidence":0.770899,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.002354739233851433},{"word":"it","start":1265.4751,"end":1265.555,"confidence":0.757489,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0022515244781970978},{"word":"says","start":1265.555,"end":1265.795,"confidence":0.98944867,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.006679899990558624},{"word":"you","start":1265.795,"end":1265.9551,"confidence":0.7451791,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020107809454202652},{"word":"can","start":1265.9551,"end":1266.1951,"confidence":0.99811375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.022866543382406235},{"word":"add","start":1266.1951,"end":1266.3551,"confidence":0.9970108,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.03364933654665947},{"word":"on","start":1266.3551,"end":1266.515,"confidence":0.98363876,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04666933789849281},{"word":"a","start":1266.515,"end":1266.675,"confidence":0.9130703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024048445746302605},{"word":"power","start":1266.675,"end":1266.915,"confidence":0.9690179,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.015682682394981384},{"word":"of","start":1266.915,"end":1266.995,"confidence":0.95080054,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028132610023021695},{"word":"attorney","start":1266.995,"end":1267.35,"confidence":0.9692821,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.010655514895915983},{"word":"for","start":1267.51,"end":1267.6699,"confidence":0.9979054,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.027103230357170105},{"word":"a","start":1267.6699,"end":1267.75,"confidence":0.99272317,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02164844423532486},{"word":"$100","start":1267.75,"end":1268.65,"confidence":0.99007916,"punctuated_word":"$100.","sentiment":"neutral","sentiment_score":0.014325318858027458},{"word":"like","start":1269.03,"end":1269.27,"confidence":0.98713756,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.0715150535106659},{"word":"we've","start":1269.27,"end":1269.59,"confidence":0.967124,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.07830620557069778},{"word":"never","start":1269.59,"end":1269.99,"confidence":0.9976865,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.10104664415121078},{"word":"gone","start":1269.99,"end":1270.39,"confidence":0.9806473,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.10475240647792816},{"word":"through","start":1270.39,"end":1270.89,"confidence":0.99319893,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.10031528025865556},{"word":"like","start":1271.4299,"end":1271.6699,"confidence":0.97191465,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.13354317843914032},{"word":"this","start":1271.6699,"end":1271.91,"confidence":0.9953524,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.16713577508926392},{"word":"is","start":1271.91,"end":1272.07,"confidence":0.99566394,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16064968705177307},{"word":"something","start":1272.07,"end":1272.39,"confidence":0.9986846,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.1119796261191368},{"word":"new","start":1272.39,"end":1272.63,"confidence":0.99657696,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.12697629630565643},{"word":"for","start":1272.63,"end":1272.87,"confidence":0.96529907,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10094653069972992},{"word":"us","start":1272.87,"end":1273.03,"confidence":0.99929917,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.07901513576507568},{"word":"to","start":1273.03,"end":1273.19,"confidence":0.9993399,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05305979400873184},{"word":"do","start":1273.19,"end":1273.6699,"confidence":0.9996817,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05294426903128624},{"word":"that","start":1273.6699,"end":1273.99,"confidence":0.8804062,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03263864666223526},{"word":"type","start":1273.99,"end":1274.15,"confidence":0.99690443,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.06667141616344452},{"word":"of","start":1274.15,"end":1274.3099,"confidence":0.9983046,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.034946538507938385},{"word":"thing","start":1274.3099,"end":1274.8099,"confidence":0.9979955,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.01392289437353611},{"word":"do","start":1276.5499,"end":1276.7899,"confidence":0.91020334,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.026997722685337067},{"word":"you","start":1276.7899,"end":1276.95,"confidence":0.9992939,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.015704073011875153},{"word":"know","start":1276.95,"end":1277.45,"confidence":0.9997514,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.021770957857370377},{"word":"anything","start":1277.59,"end":1277.99,"confidence":0.9994784,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.007183317095041275},{"word":"about","start":1277.99,"end":1278.49,"confidence":0.9993569,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.02421056851744652},{"word":"that","start":1278.71,"end":1279.21,"confidence":0.9970491,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.014325222000479698},{"word":"i'll","start":1286.165,"end":1286.405,"confidence":0.8208431,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.01132065337151289},{"word":"have","start":1286.405,"end":1286.565,"confidence":0.86790913,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.002124793827533722},{"word":"to","start":1286.565,"end":1286.725,"confidence":0.93419033,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.005060965195298195},{"word":"look","start":1286.725,"end":1286.885,"confidence":0.998439,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.00386187806725502},{"word":"it","start":1286.885,"end":1287.045,"confidence":0.9839415,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.003939162939786911},{"word":"up","start":1287.045,"end":1287.365,"confidence":0.99236155,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.005381585564464331},{"word":"i'll","start":1287.365,"end":1287.6849,"confidence":0.9895288,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.007630242966115475},{"word":"i'll","start":1287.6849,"end":1287.845,"confidence":0.98709726,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.01076464168727398},{"word":"tell","start":1287.845,"end":1288.005,"confidence":0.9949325,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.01427149958908558},{"word":"you","start":1288.005,"end":1288.165,"confidence":0.99447554,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02183319255709648},{"word":"in","start":1288.165,"end":1288.325,"confidence":0.80754596,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.017273657023906708},{"word":"one","start":1288.325,"end":1288.645,"confidence":0.69741833,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.030869491398334503},{"word":"i","start":1288.8049,"end":1288.965,"confidence":0.90016425,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04279207065701485},{"word":"think","start":1288.965,"end":1289.125,"confidence":0.9746139,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.03983830660581589},{"word":"it's","start":1289.125,"end":1289.445,"confidence":0.96030796,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03658394515514374},{"word":"called","start":1289.445,"end":1289.765,"confidence":0.78495383,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.04457392916083336},{"word":"safebook","start":1289.765,"end":1290.265,"confidence":0.4881624,"punctuated_word":"SafeBook.","sentiment":"neutral","sentiment_score":0.05205416679382324},{"word":"hold","start":1293.89,"end":1294.13,"confidence":0.43235308,"punctuated_word":"Hold","sentiment":"neutral","sentiment_score":0.038473136723041534},{"word":"on","start":1294.13,"end":1294.29,"confidence":0.94484115,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.029581913724541664},{"word":"i'm","start":1294.29,"end":1294.37,"confidence":0.6929449,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.020132875069975853},{"word":"on","start":1294.37,"end":1294.53,"confidence":0.28263724,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.013517459854483604},{"word":"this","start":1294.53,"end":1294.77,"confidence":0.40254495,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.02227289415895939},{"word":"it's","start":1294.77,"end":1294.85,"confidence":0.4098114,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03686106204986572},{"word":"a","start":1294.85,"end":1294.93,"confidence":0.28897917,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.060261018574237823},{"word":"customer's","start":1294.93,"end":1295.25,"confidence":0.15800276,"punctuated_word":"customer's","sentiment":"neutral","sentiment_score":0.07710406929254532},{"word":"money","start":1295.25,"end":1295.75,"confidence":0.9869629,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.07783738523721695},{"word":"yeah","start":1300.37,"end":1300.61,"confidence":0.9348968,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18466676771640775},{"word":"because","start":1300.61,"end":1300.85,"confidence":0.9864178,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.15182223916053772},{"word":"i'll","start":1300.85,"end":1301.01,"confidence":0.7698077,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2168082296848297},{"word":"spend","start":1301.01,"end":1301.3301,"confidence":0.9764861,"punctuated_word":"spend","sentiment":"neutral","sentiment_score":0.2556874752044678},{"word":"it","start":1301.3301,"end":1301.41,"confidence":0.5332395,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23768995702266693},{"word":"on","start":1301.41,"end":1301.73,"confidence":0.5509535,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.261000394821167},{"word":"a","start":1301.73,"end":1301.89,"confidence":0.37152073,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23050397634506223},{"word":"on","start":1301.89,"end":1302.05,"confidence":0.8029371,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2895693778991699},{"word":"a","start":1302.05,"end":1302.2101,"confidence":0.7405904,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3011135756969452},{"word":"impulse","start":1302.2101,"end":1302.7101,"confidence":0.80416703,"punctuated_word":"impulse.","sentiment":"neutral","sentiment_score":0.25925108790397644},{"word":"yeah","start":1307.985,"end":1308.2251,"confidence":0.96963835,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1608469933271408},{"word":"i","start":1308.2251,"end":1308.385,"confidence":0.65756017,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19288989901542664},{"word":"do","start":1308.385,"end":1308.885,"confidence":0.97938055,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.2060173749923706},{"word":"yeah","start":1309.8251,"end":1310.145,"confidence":0.9963484,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2430780827999115},{"word":"it's","start":1310.145,"end":1310.4651,"confidence":0.97366416,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.38163459300994873},{"word":"pretty","start":1310.4651,"end":1310.785,"confidence":0.4100996,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3755994737148285},{"word":"safe","start":1310.785,"end":1311.105,"confidence":0.5581233,"punctuated_word":"safe,","sentiment":"neutral","sentiment_score":0.327076256275177},{"word":"though","start":1311.105,"end":1311.605,"confidence":0.66891104,"punctuated_word":"though.","sentiment":"positive","sentiment_score":0.3532567620277405},{"word":"yes","start":1324.48,"end":1324.98,"confidence":0.9921299,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11274267733097076},{"word":"yes","start":1345.5751,"end":1345.71,"confidence":0.78071344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2954053282737732},{"word":"yes","start":1353.7899,"end":1354.2899,"confidence":0.88953984,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08840246498584747},{"word":"okay","start":1366.205,"end":1366.705,"confidence":0.8090148,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.20871660113334656},{"word":"yes","start":1382.4501,"end":1382.9501,"confidence":0.87020814,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0915432721376419},{"word":"yes","start":1391.365,"end":1391.865,"confidence":0.65194476,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2015456259250641},{"word":"i","start":1425.075,"end":1425.21,"confidence":0.4753089,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29020610451698303},{"word":"cool","start":1425.37,"end":1425.69,"confidence":0.6876051,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.34594160318374634},{"word":"yeah","start":1425.69,"end":1426.01,"confidence":0.9870927,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1260921210050583},{"word":"i","start":1426.01,"end":1426.25,"confidence":0.99702126,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07569987326860428},{"word":"did","start":1426.25,"end":1426.49,"confidence":0.9791622,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07283493876457214},{"word":"notice","start":1426.49,"end":1426.97,"confidence":0.7660229,"punctuated_word":"notice,","sentiment":"neutral","sentiment_score":0.05187445878982544},{"word":"you","start":1426.97,"end":1427.13,"confidence":0.916326,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015820670872926712},{"word":"know","start":1427.13,"end":1427.45,"confidence":0.99263716,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.01532835140824318},{"word":"like","start":1427.45,"end":1427.61,"confidence":0.9194006,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03177554905414581},{"word":"they","start":1427.61,"end":1427.85,"confidence":0.9712653,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.027378760278224945},{"word":"quite","start":1427.85,"end":1428.33,"confidence":0.37945408,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.02867061272263527},{"word":"they","start":1428.4099,"end":1428.6499,"confidence":0.98346263,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.03366796299815178},{"word":"push","start":1428.6499,"end":1429.0499,"confidence":0.73716944,"punctuated_word":"push","sentiment":"neutral","sentiment_score":0.04648389294743538},{"word":"quite","start":1429.0499,"end":1429.2899,"confidence":0.9972952,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.029472727328538895},{"word":"a","start":1429.2899,"end":1429.37,"confidence":0.99943715,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.050722405314445496},{"word":"lot","start":1429.37,"end":1429.69,"confidence":0.9993106,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.055920325219631195},{"word":"with","start":1429.69,"end":1429.9299,"confidence":0.9009522,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.05488484352827072},{"word":"like","start":1429.9299,"end":1430.33,"confidence":0.9597963,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04591306671500206},{"word":"would","start":1430.33,"end":1430.57,"confidence":0.9973097,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06805502623319626},{"word":"you","start":1430.57,"end":1430.73,"confidence":0.99963665,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10878513753414154},{"word":"like","start":1430.73,"end":1430.97,"confidence":0.9991055,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.147068053483963},{"word":"to","start":1430.97,"end":1431.13,"confidence":0.9972396,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14674462378025055},{"word":"donate","start":1431.13,"end":1431.5299,"confidence":0.99969673,"punctuated_word":"donate","sentiment":"neutral","sentiment_score":0.16001811623573303},{"word":"to","start":1431.5299,"end":1431.69,"confidence":0.9764513,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15352044999599457},{"word":"this","start":1431.69,"end":1432.01,"confidence":0.99388725,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.12094789743423462},{"word":"foundation","start":1432.01,"end":1432.51,"confidence":0.9901394,"punctuated_word":"foundation","sentiment":"neutral","sentiment_score":0.15654443204402924},{"word":"and","start":1432.6499,"end":1432.89,"confidence":0.88597643,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11665868759155272},{"word":"all","start":1432.89,"end":1433.0499,"confidence":0.9759143,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1118781566619873},{"word":"of","start":1433.0499,"end":1433.13,"confidence":0.6979955,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09678758680820464},{"word":"this","start":1433.13,"end":1433.45,"confidence":0.54816926,"punctuated_word":"this?","sentiment":"neutral","sentiment_score":0.04235271364450455},{"word":"like","start":1433.45,"end":1433.69,"confidence":0.86400723,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.015267180278897284},{"word":"it's","start":1433.69,"end":1433.9299,"confidence":0.81971896,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.021193234249949455},{"word":"already","start":1433.9299,"end":1434.4099,"confidence":0.99656624,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.03924046456813812},{"word":"clicked","start":1434.4099,"end":1434.8099,"confidence":0.93008846,"punctuated_word":"clicked","sentiment":"neutral","sentiment_score":0.018881384283304214},{"word":"yet","start":1434.8099,"end":1435.13,"confidence":0.71094346,"punctuated_word":"yet,","sentiment":"neutral","sentiment_score":0.006220167502760887},{"word":"so","start":1435.13,"end":1435.37,"confidence":0.985357,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.01357809081673622},{"word":"you","start":1435.37,"end":1435.5299,"confidence":0.99735,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005784712731838226},{"word":"need","start":1435.5299,"end":1435.77,"confidence":0.9985147,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.007671844214200973},{"word":"to","start":1435.77,"end":1435.9299,"confidence":0.99433255,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0021722614765167236},{"word":"say","start":1435.9299,"end":1436.33,"confidence":0.8978879,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.015041518956422806},{"word":"no","start":1436.33,"end":1436.83,"confidence":0.9895057,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.011417590081691742},{"word":"on","start":1437.13,"end":1437.2899,"confidence":0.99278635,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.030103381723165512},{"word":"the","start":1437.2899,"end":1437.5299,"confidence":0.9962782,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023381762206554413},{"word":"whole","start":1437.5299,"end":1437.85,"confidence":0.9707126,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.02854088321328163},{"word":"thing","start":1437.85,"end":1438.095,"confidence":0.709103,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.056609440594911575},{"word":"and","start":1438.735,"end":1439.135,"confidence":0.7496284,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.07918141782283783},{"word":"yeah","start":1439.135,"end":1439.635,"confidence":0.9125317,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1216415911912918},{"word":"it's","start":1440.015,"end":1440.095,"confidence":0.89575344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1354308724403381},{"word":"fine","start":1440.095,"end":1440.335,"confidence":0.76322365,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1094314455986023},{"word":"but","start":1440.335,"end":1440.575,"confidence":0.99660045,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.016166068613529205},{"word":"i","start":1440.575,"end":1440.655,"confidence":0.9820873,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.022386450320482257},{"word":"thought","start":1440.655,"end":1440.895,"confidence":0.8613597,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.024015776813030243},{"word":"i","start":1440.895,"end":1441.0549,"confidence":0.73227185,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03344004973769188},{"word":"could","start":1441.0549,"end":1441.375,"confidence":0.28813523,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.03716547414660454},{"word":"ask","start":1441.375,"end":1441.855,"confidence":0.6560333,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":-0.02773069217801094},{"word":"because","start":1441.855,"end":1442.1749,"confidence":0.8452835,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.054452620446681976},{"word":"i","start":1442.1749,"end":1442.335,"confidence":0.9985122,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08654572069644928},{"word":"haven't","start":1442.335,"end":1442.575,"confidence":0.9963064,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.07666134834289551},{"word":"done","start":1442.575,"end":1442.815,"confidence":0.99894184,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.11436330527067184},{"word":"it","start":1442.815,"end":1442.975,"confidence":0.95426166,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.10519985854625702},{"word":"but","start":1442.975,"end":1443.135,"confidence":0.99902403,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.08727787435054779},{"word":"my","start":1443.135,"end":1443.375,"confidence":0.99878544,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.21010982990264893},{"word":"mom","start":1443.375,"end":1443.775,"confidence":0.94847286,"punctuated_word":"mom","sentiment":"neutral","sentiment_score":-0.26907843351364136},{"word":"keeps","start":1443.775,"end":1444.015,"confidence":0.61905086,"punctuated_word":"keeps","sentiment":"neutral","sentiment_score":-0.23206870257854464},{"word":"on","start":1444.015,"end":1444.1749,"confidence":0.989134,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2018144577741623},{"word":"my","start":1444.1749,"end":1444.335,"confidence":0.99717027,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.193337082862854},{"word":"back","start":1444.335,"end":1444.575,"confidence":0.96735626,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":-0.13230150938034058},{"word":"you","start":1444.575,"end":1444.735,"confidence":0.59771234,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.08463605493307114},{"word":"better","start":1444.735,"end":1444.975,"confidence":0.9754396,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.07522623240947723},{"word":"have","start":1444.975,"end":1445.135,"confidence":0.99291456,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07452109456062317},{"word":"a","start":1445.135,"end":1445.2949,"confidence":0.976814,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0492071621119976},{"word":"will","start":1445.2949,"end":1445.615,"confidence":0.5168407,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.03852877765893936},{"word":"as","start":1445.615,"end":1445.775,"confidence":0.38994947,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03263615071773529},{"word":"you","start":1445.9349,"end":1446.095,"confidence":0.8246343,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025024227797985077},{"word":"know","start":1446.095,"end":1446.4149,"confidence":0.922416,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.01936209388077259},{"word":"because","start":1446.4149,"end":1446.655,"confidence":0.94256175,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.010857593268156052},{"word":"we've","start":1446.655,"end":1446.815,"confidence":0.9041668,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.000923316925764084},{"word":"got","start":1446.815,"end":1446.975,"confidence":0.9977404,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.017076224088668823},{"word":"the","start":1446.975,"end":1447.135,"confidence":0.9520875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02811555564403534},{"word":"kids","start":1447.135,"end":1447.635,"confidence":0.7924261,"punctuated_word":"kids.","sentiment":"neutral","sentiment_score":-0.013954082503914831},{"word":"so","start":1447.9349,"end":1448.095,"confidence":0.8824239,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.011392541229724884},{"word":"oh","start":1448.255,"end":1448.4149,"confidence":0.6139465,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.025339730083942413},{"word":"no","start":1448.4149,"end":1448.815,"confidence":0.7916298,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.027572890743613243},{"word":"yeah","start":1451.07,"end":1451.5499,"confidence":0.99551475,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013938674703240396},{"word":"good","start":1451.5499,"end":1452.0499,"confidence":0.977258,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.09564153105020524},{"word":"job","start":1455.39,"end":1455.89,"confidence":0.9765086,"punctuated_word":"job.","sentiment":"neutral","sentiment_score":0.010372854769229887},{"word":"yes","start":1461.95,"end":1462.245,"confidence":0.7023004,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.04528055340051651},{"word":"yes","start":1480.18,"end":1480.68,"confidence":0.96287537,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13201747834682465},{"word":"yes","start":1490.995,"end":1491.495,"confidence":0.81818587,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07419777661561966},{"word":"yes","start":1491.715,"end":1491.875,"confidence":0.96585095,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.09349701553583144},{"word":"please","start":1491.875,"end":1492.1951,"confidence":0.9982785,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.13446971774101257},{"word":"that'd","start":1492.1951,"end":1492.435,"confidence":0.76935077,"punctuated_word":"That'd","sentiment":"positive","sentiment_score":0.3740023076534271},{"word":"be","start":1492.435,"end":1492.595,"confidence":0.99873143,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3822445869445801},{"word":"great","start":1492.595,"end":1492.915,"confidence":0.99926364,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.4105139672756195},{"word":"yes","start":1492.915,"end":1493.3151,"confidence":0.9987576,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.11460281908512115},{"word":"please","start":1493.3151,"end":1493.8151,"confidence":0.99973077,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.18906325101852417},{"word":"thank","start":1495.235,"end":1495.735,"confidence":0.6188181,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.3711166977882385},{"word":"you","start":1497.395,"end":1497.895,"confidence":0.9773123,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.282213419675827},{"word":"thank","start":1499.555,"end":1499.795,"confidence":0.56861836,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.31306833028793335},{"word":"you","start":1499.795,"end":1500.115,"confidence":0.9938549,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2336988151073456},{"word":"and","start":1500.115,"end":1500.275,"confidence":0.9957249,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05258891358971596},{"word":"did","start":1500.275,"end":1500.515,"confidence":0.99570954,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.010483134537935255},{"word":"you","start":1500.515,"end":1500.675,"confidence":0.9992859,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03359626606106758},{"word":"say","start":1500.675,"end":1500.915,"confidence":0.9972683,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.03394785150885582},{"word":"jessie","start":1500.915,"end":1501.3151,"confidence":0.51140416,"punctuated_word":"Jessie","sentiment":"neutral","sentiment_score":0.010201085358858109},{"word":"has","start":1501.3151,"end":1501.635,"confidence":0.97608465,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.01410682499408722},{"word":"a","start":1501.635,"end":1501.715,"confidence":0.6086853,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02812380902469158},{"word":"updated","start":1501.715,"end":1502.215,"confidence":0.98453134,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.042344752699136734},{"word":"beneficiary","start":1502.49,"end":1502.99,"confidence":0.9996418,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.0737786740064621},{"word":"with","start":1503.3301,"end":1503.8301,"confidence":0.56946206,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.013995165005326273},{"word":"or","start":1504.17,"end":1504.49,"confidence":0.997528,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01510855183005333},{"word":"is","start":1504.49,"end":1504.57,"confidence":0.9921003,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01495247334241867},{"word":"that","start":1504.57,"end":1505.07,"confidence":0.998151,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.020144343376159668},{"word":"not","start":1510.09,"end":1510.59,"confidence":0.98325837,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1457861363887787},{"word":"yeah","start":1524.255,"end":1524.5751,"confidence":0.8350364,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.5034899115562439},{"word":"wonderful","start":1524.5751,"end":1525.055,"confidence":0.9855752,"punctuated_word":"Wonderful.","sentiment":"positive","sentiment_score":0.811150312423706},{"word":"okay","start":1525.055,"end":1525.375,"confidence":0.9984094,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.6759653091430664},{"word":"thank","start":1525.375,"end":1525.615,"confidence":0.999506,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8232828974723816},{"word":"you","start":1525.615,"end":1526.115,"confidence":0.9994816,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.7740408182144165},{"word":"alright","start":1529.375,"end":1529.85,"confidence":0.9483335,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.4039499759674072},{"word":"okay","start":1538.89,"end":1539.39,"confidence":0.93463135,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.38166606426239014},{"word":"thank","start":1539.53,"end":1539.77,"confidence":0.9106987,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7588953971862793},{"word":"you","start":1539.77,"end":1540.101,"confidence":0.9919833,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.7006542682647705}],"paragraphs":{"transcript":"\nAlright. Alright. Thank you. Yeah. No.\n\nI hate you, Spotted. Oh, it's not true. I'll just see it later. Yes. Jesse John McHugh.\n\nSixteen eleven eighty eight, and 293 Rotary Park Road, Elbiton. Yep. Yes. Hello? Yes.\n\nWhat's the trauma insurance again. Yep. I'm not with that one. Yep. Yes.\n\nYeah. What do you think about? What do you think about shares? Is there is there is there is there shares at the moment going for fresh precious minerals and precious metals and uranium at the moment? Yes.\n\nYeah. Yeah. I was I was gonna say, because I've been working in the Air Peninsula and down at Moala, and they they just found the biggest uranium deposit in the world down in Moala. Yeah. Yeah.\n\nThey had they had they got 50 they had 50 geos drilling in Moala. Yeah. That's that's a that's a good investment that is. Yep. Yes.\n\nYeah. Yes. Yeah. And I I I was the other thing I was gonna bring up, I wanted I wanna claim I wanted to claim something so I can get veneers. But yeah.\n\nBecause I broke my tooth and no. Because it's already capped, and I broke it again and run out of tooth. And I've got I've got half a tooth and half half of my missing teeth and yeah. I need to get it fixed. But I wanna get I wanna go.\n\nI've looked them up. Yeah. I think I think you could claim it on tax. Like, cosmetic. Yeah.\n\nYes. Yes. Alrighty. Okay. Does she know how much the power of attorney?\n\nOh, missus wants to know how much the cost for a power of attorney for you. Yes. What'd you say? I'm sorry. Hi.\n\nI'm good. How are you? Just just good. Thank you. There's free wheels on at the moment.\n\nI don't know what they're called. They used to be called or something like that. So I was I've nearly finished my wheel, and I was going to get Jesse to do his. And on there, it says you can add on a power of attorney for a $100. Like, we've never gone through like, this is something new for us to do that type of thing.\n\nDo you know anything about that? I'll have to look it up. I'll I'll tell you in one I think it's called SafeBook. Hold on. I'm on this.\n\nIt's a customer's money. Yeah. Because I'll spend it on a on a impulse. Yeah. I do.\n\nYeah. It's pretty safe, though. Yes. Yes. Yes.\n\nOkay. Yes. Yes. I Cool. Yeah.\n\nI did notice, you know, like, they quite they push quite a lot with, like, would you like to donate to this foundation and all of this? Like, it's already clicked yet, so you need to say no on the whole thing. And, yeah, it's fine. But I thought I could ask because I haven't done it, but my mom keeps on my back. You better have a will as you know, because we've got the kids.\n\nSo Oh, no. Yeah. Good job. Yes. Yes.\n\nYes. Yes, please. That'd be great. Yes, please. Thank you.\n\nThank you. And did you say Jessie has a updated beneficiary with, or is that not Yeah. Wonderful. Okay. Thank you.\n\nAlright. Okay. Thank you.","paragraphs":[{"sentences":[{"text":"Alright.","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.12788736820220947},{"text":"Alright.","start":6.24,"end":6.64,"sentiment":"neutral","sentiment_score":0.3117440938949585},{"text":"Thank you.","start":6.64,"end":7.3799996,"sentiment":"positive","sentiment_score":0.6320177912712097},{"text":"Yeah.","start":13.28,"end":13.78,"sentiment":"neutral","sentiment_score":0.12405282258987428},{"text":"No.","start":18.305,"end":18.545,"sentiment":"neutral","sentiment_score":-0.24980637431144712}],"sentiment":"neutral","sentiment_score":0.26298558215300244,"num_words":6,"start":1.1999999,"end":18.545},{"sentences":[{"text":"I hate you, Spotted.","start":18.545,"end":19.525,"sentiment":"negative","sentiment_score":-0.4173169285058975},{"text":"Oh, it's not true.","start":33.54,"end":34.58,"sentiment":"neutral","sentiment_score":-0.1513737328350544},{"text":"I'll just see it later.","start":34.58,"end":36.12,"sentiment":"neutral","sentiment_score":-0.11213825792074203},{"text":"Yes.","start":45.954998,"end":46.454998,"sentiment":"neutral","sentiment_score":0.1229032650589943},{"text":"Jesse John McHugh.","start":54.710003,"end":55.850002,"sentiment":"neutral","sentiment_score":0.02942394403119882}],"sentiment":"neutral","sentiment_score":-0.15436934340087807,"num_words":17,"start":18.545,"end":55.850002},{"sentences":[{"text":"Sixteen eleven eighty eight, and 293 Rotary Park Road, Elbiton.","start":56.710003,"end":61.13,"sentiment":"neutral","sentiment_score":0.035916699841618535},{"text":"Yep.","start":80.725006,"end":81.0,"sentiment":"neutral","sentiment_score":0.1765371859073639},{"text":"Yes.","start":109.32,"end":109.82,"sentiment":"neutral","sentiment_score":0.01500639971345663},{"text":"Hello?","start":136.62999,"end":137.12999,"sentiment":"neutral","sentiment_score":0.16013282537460327},{"text":"Yes.","start":143.51,"end":143.805,"sentiment":"neutral","sentiment_score":0.17239466309547424}],"sentiment":"neutral","sentiment_score":0.06308843375050596,"num_words":14,"start":56.710003,"end":143.805},{"sentences":[{"text":"What's the trauma insurance again.","start":226.185,"end":228.125,"sentiment":"neutral","sentiment_score":-0.14460993260145188},{"text":"Yep.","start":262.15,"end":262.65,"sentiment":"neutral","sentiment_score":0.04561769589781761},{"text":"I'm not with that one.","start":263.50998,"end":265.53,"sentiment":"neutral","sentiment_score":-0.1675649404525757},{"text":"Yep.","start":312.725,"end":313.05,"sentiment":"neutral","sentiment_score":0.10555358976125716},{"text":"Yes.","start":324.49,"end":324.99,"sentiment":"neutral","sentiment_score":0.2769423723220825}],"sentiment":"neutral","sentiment_score":-0.08713543902222927,"num_words":13,"start":226.185,"end":324.99},{"sentences":[{"text":"Yeah.","start":348.37,"end":348.87,"sentiment":"neutral","sentiment_score":0.23477081954479215},{"text":"What do you think about?","start":543.49,"end":544.098,"sentiment":"neutral","sentiment_score":-0.05354115590453148},{"text":"What do you think about shares?","start":544.098,"end":545.19,"sentiment":"neutral","sentiment_score":-0.04966099063555399},{"text":"Is there is there is there is there shares at the moment going for fresh precious minerals and precious metals and uranium at the moment?","start":552.305,"end":560.64,"sentiment":"neutral","sentiment_score":-0.018489090502262117},{"text":"Yes.","start":590.02997,"end":590.52997,"sentiment":"neutral","sentiment_score":0.11760831624269484}],"sentiment":"neutral","sentiment_score":-0.01777683816065914,"num_words":38,"start":348.37,"end":590.52997},{"sentences":[{"text":"Yeah.","start":672.86005,"end":673.36005,"sentiment":"neutral","sentiment_score":0.07536809146404266},{"text":"Yeah.","start":674.30005,"end":674.62006,"sentiment":"neutral","sentiment_score":0.0365125834941864},{"text":"I was I was gonna say, because I've been working in the Air Peninsula and down at Moala, and they they just found the biggest uranium deposit in the world down in Moala.","start":674.62006,"end":688.28503,"sentiment":"neutral","sentiment_score":0.03311251182899331},{"text":"Yeah.","start":689.865,"end":690.365,"sentiment":"neutral","sentiment_score":-0.028219712898135185},{"text":"Yeah.","start":691.385,"end":691.885,"sentiment":"neutral","sentiment_score":0.011145620606839657}],"sentiment":"neutral","sentiment_score":0.032095120892532775,"num_words":37,"start":672.86005,"end":691.885},{"sentences":[{"text":"They had they had they got 50 they had 50 geos drilling in Moala.","start":692.425,"end":696.67,"sentiment":"neutral","sentiment_score":0.024785224947014024},{"text":"Yeah.","start":699.05,"end":699.55,"sentiment":"neutral","sentiment_score":0.2247503697872162},{"text":"That's that's a that's a good investment that is.","start":702.88995,"end":705.165,"sentiment":"positive","sentiment_score":0.8031154010030959},{"text":"Yep.","start":766.425,"end":766.925,"sentiment":"positive","sentiment_score":0.3569919466972351},{"text":"Yes.","start":833.795,"end":834.295,"sentiment":"neutral","sentiment_score":0.20296427607536316}],"sentiment":"neutral","sentiment_score":0.32152839810945666,"num_words":26,"start":692.425,"end":834.295},{"sentences":[{"text":"Yeah.","start":878.66504,"end":879.16504,"sentiment":"neutral","sentiment_score":0.13894692063331604},{"text":"Yes.","start":908.49,"end":908.715,"sentiment":"neutral","sentiment_score":0.08717320114374161},{"text":"Yeah.","start":975.01,"end":975.51,"sentiment":"positive","sentiment_score":0.3944493532180786},{"text":"And I I I was the other thing I was gonna bring up, I wanted I wanna claim I wanted to claim something so I can get veneers.","start":976.45,"end":983.59,"sentiment":"neutral","sentiment_score":0.00726354677629258},{"text":"But yeah.","start":987.595,"end":988.235,"sentiment":"neutral","sentiment_score":-0.030040165409445763}],"sentiment":"neutral","sentiment_score":0.023147528906437485,"num_words":33,"start":878.66504,"end":988.235},{"sentences":[{"text":"Because I broke my tooth and no.","start":988.235,"end":992.07495,"sentiment":"neutral","sentiment_score":-0.2482179424592427},{"text":"Because it's already capped, and I broke it again and run out of tooth.","start":992.07495,"end":996.095,"sentiment":"neutral","sentiment_score":-0.22819014266133308},{"text":"And I've got I've got half a tooth and half half of my missing teeth and yeah.","start":996.39496,"end":1002.93,"sentiment":"neutral","sentiment_score":-0.1795032361851019},{"text":"I need to get it fixed.","start":1002.93,"end":1003.97003,"sentiment":"neutral","sentiment_score":-0.2757549583911896},{"text":"But I wanna get I wanna go.","start":1003.97003,"end":1005.59,"sentiment":"neutral","sentiment_score":-0.07411092253667968}],"sentiment":"neutral","sentiment_score":-0.19915781995537235,"num_words":51,"start":988.235,"end":1005.59},{"sentences":[{"text":"I've looked them up.","start":1015.265,"end":1016.405,"sentiment":"neutral","sentiment_score":0.005510399583727121},{"text":"Yeah.","start":1053.405,"end":1053.9,"sentiment":"neutral","sentiment_score":-0.03918642923235893},{"text":"I think I think you could claim it on tax.","start":1079.4,"end":1092.285,"sentiment":"neutral","sentiment_score":-0.2512783080339432},{"text":"Like, cosmetic.","start":1094.125,"end":1094.785,"sentiment":"neutral","sentiment_score":-0.17953386902809143},{"text":"Yeah.","start":1104.045,"end":1104.3,"sentiment":"neutral","sentiment_score":-0.06879863142967224}],"sentiment":"neutral","sentiment_score":-0.16432190448459652,"num_words":18,"start":1015.265,"end":1104.3},{"sentences":[{"text":"Yes.","start":1143.465,"end":1143.965,"sentiment":"neutral","sentiment_score":0.07342185080051422},{"text":"Yes.","start":1174.2,"end":1174.425,"sentiment":"neutral","sentiment_score":0.17240676283836365},{"text":"Alrighty.","start":1174.905,"end":1175.405,"sentiment":"neutral","sentiment_score":0.2403973639011383},{"text":"Okay.","start":1200.6,"end":1200.945,"sentiment":"neutral","sentiment_score":0.19724896550178528},{"text":"Does she know how much the power of attorney?","start":1205.505,"end":1207.605,"sentiment":"neutral","sentiment_score":0.0022969526342219776}],"sentiment":"neutral","sentiment_score":0.0541651935961384,"num_words":13,"start":1143.465,"end":1207.605},{"sentences":[{"text":"Oh, missus wants to know how much the cost for a power of attorney for you.","start":1208.225,"end":1219.4675,"sentiment":"neutral","sentiment_score":0.011642602155916393},{"text":"Yes.","start":1233.535,"end":1234.035,"sentiment":"neutral","sentiment_score":0.009732813574373722},{"text":"What'd you say?","start":1242.75,"end":1243.39,"sentiment":"neutral","sentiment_score":-0.01930391074468692},{"text":"I'm sorry.","start":1243.39,"end":1244.05,"sentiment":"neutral","sentiment_score":-0.08140181005001068},{"text":"Hi.","start":1244.99,"end":1245.49,"sentiment":"neutral","sentiment_score":0.07212581485509872}],"sentiment":"neutral","sentiment_score":0.0020619526343501125,"num_words":23,"start":1208.225,"end":1245.49},{"sentences":[{"text":"I'm good.","start":1246.99,"end":1247.55,"sentiment":"neutral","sentiment_score":0.16233433037996292},{"text":"How are you?","start":1247.55,"end":1248.37,"sentiment":"neutral","sentiment_score":0.17107686400413513},{"text":"Just just good.","start":1248.43,"end":1250.67,"sentiment":"neutral","sentiment_score":0.2214556485414505},{"text":"Thank you.","start":1250.67,"end":1251.49,"sentiment":"neutral","sentiment_score":0.31996721029281616},{"text":"There's free wheels on at the moment.","start":1251.55,"end":1254.5951,"sentiment":"neutral","sentiment_score":0.056363798677921295}],"sentiment":"neutral","sentiment_score":0.1492204241016332,"num_words":17,"start":1246.99,"end":1254.5951},{"sentences":[{"text":"I don't know what they're called.","start":1254.5951,"end":1255.795,"sentiment":"neutral","sentiment_score":-0.024864484866460163},{"text":"They used to be called or something like that.","start":1255.795,"end":1258.115,"sentiment":"neutral","sentiment_score":-0.021334836673405435},{"text":"So I was I've nearly finished my wheel, and I was going to get Jesse to do his.","start":1258.115,"end":1264.135,"sentiment":"neutral","sentiment_score":0.02386308875348833},{"text":"And on there, it says you can add on a power of attorney for a $100.","start":1264.3551,"end":1268.65,"sentiment":"neutral","sentiment_score":0.017671801266260445},{"text":"Like, we've never gone through like, this is something new for us to do that type of thing.","start":1269.03,"end":1274.8099,"sentiment":"neutral","sentiment_score":-0.08835363212145037}],"sentiment":"neutral","sentiment_score":-0.01819822984511283,"num_words":67,"start":1254.5951,"end":1274.8099},{"sentences":[{"text":"Do you know anything about that?","start":1276.5499,"end":1279.21,"sentiment":"neutral","sentiment_score":-0.018365310194591682},{"text":"I'll have to look it up.","start":1286.165,"end":1287.365,"sentiment":"neutral","sentiment_score":-0.005281506494308512},{"text":"I'll I'll tell you in one I think it's called SafeBook.","start":1287.365,"end":1290.265,"sentiment":"neutral","sentiment_score":0.028953194872222164},{"text":"Hold on.","start":1293.89,"end":1294.29,"sentiment":"neutral","sentiment_score":0.0340275252237916},{"text":"I'm on this.","start":1294.29,"end":1294.77,"sentiment":"neutral","sentiment_score":0.018641076361139614}],"sentiment":"neutral","sentiment_score":0.010735090106858738,"num_words":28,"start":1276.5499,"end":1294.77},{"sentences":[{"text":"It's a customer's money.","start":1294.77,"end":1295.75,"sentiment":"neutral","sentiment_score":0.06301588378846645},{"text":"Yeah.","start":1300.37,"end":1300.61,"sentiment":"neutral","sentiment_score":0.18466676771640775},{"text":"Because I'll spend it on a on a impulse.","start":1300.61,"end":1302.7101,"sentiment":"neutral","sentiment_score":0.24482736819320255},{"text":"Yeah.","start":1307.985,"end":1308.2251,"sentiment":"neutral","sentiment_score":0.1608469933271408},{"text":"I do.","start":1308.2251,"end":1308.885,"sentiment":"neutral","sentiment_score":0.19945363700389862}],"sentiment":"neutral","sentiment_score":0.18823122846729615,"num_words":17,"start":1294.77,"end":1308.885},{"sentences":[{"text":"Yeah.","start":1309.8251,"end":1310.145,"sentiment":"neutral","sentiment_score":0.2430780827999115},{"text":"It's pretty safe, though.","start":1310.145,"end":1311.605,"sentiment":"positive","sentiment_score":0.3593917712569237},{"text":"Yes.","start":1324.48,"end":1324.98,"sentiment":"neutral","sentiment_score":0.11274267733097076},{"text":"Yes.","start":1345.5751,"end":1345.71,"sentiment":"neutral","sentiment_score":0.2954053282737732},{"text":"Yes.","start":1353.7899,"end":1354.2899,"sentiment":"neutral","sentiment_score":0.08840246498584747}],"sentiment":"neutral","sentiment_score":0.2721494548022747,"num_words":8,"start":1309.8251,"end":1354.2899},{"sentences":[{"text":"Okay.","start":1366.205,"end":1366.705,"sentiment":"neutral","sentiment_score":0.20871660113334656},{"text":"Yes.","start":1382.4501,"end":1382.9501,"sentiment":"neutral","sentiment_score":0.0915432721376419},{"text":"Yes.","start":1391.365,"end":1391.865,"sentiment":"neutral","sentiment_score":0.2015456259250641},{"text":"I Cool.","start":1425.075,"end":1425.69,"sentiment":"neutral","sentiment_score":0.3180738538503647},{"text":"Yeah.","start":1425.69,"end":1426.01,"sentiment":"neutral","sentiment_score":0.1260921210050583}],"sentiment":"neutral","sentiment_score":0.21067422131697336,"num_words":6,"start":1366.205,"end":1426.01},{"sentences":[{"text":"I did notice, you know, like, they quite they push quite a lot with, like, would you like to donate to this foundation and all of this?","start":1426.01,"end":1433.45,"sentiment":"neutral","sentiment_score":0.07651145632068317},{"text":"Like, it's already clicked yet, so you need to say no on the whole thing.","start":1433.45,"end":1438.095,"sentiment":"neutral","sentiment_score":0.01787938686708609},{"text":"And, yeah, it's fine.","start":1438.735,"end":1440.335,"sentiment":"neutral","sentiment_score":0.11142133176326752},{"text":"But I thought I could ask because I haven't done it, but my mom keeps on my back.","start":1440.335,"end":1444.575,"sentiment":"neutral","sentiment_score":-0.1050990621248881},{"text":"You better have a will as you know, because we've got the kids.","start":1444.575,"end":1447.635,"sentiment":"neutral","sentiment_score":-0.03615912050008774}],"sentiment":"neutral","sentiment_score":0.005426412545047797,"num_words":77,"start":1426.01,"end":1447.635},{"sentences":[{"text":"So Oh, no.","start":1447.9349,"end":1448.815,"sentiment":"neutral","sentiment_score":-0.021435054019093513},{"text":"Yeah.","start":1451.07,"end":1451.5499,"sentiment":"neutral","sentiment_score":0.013938674703240396},{"text":"Good job.","start":1451.5499,"end":1455.89,"sentiment":"neutral","sentiment_score":0.05300719290971757},{"text":"Yes.","start":1461.95,"end":1462.245,"sentiment":"neutral","sentiment_score":-0.04528055340051651},{"text":"Yes.","start":1480.18,"end":1480.68,"sentiment":"neutral","sentiment_score":0.13201747834682465}],"sentiment":"neutral","sentiment_score":0.01779810292646289,"num_words":8,"start":1447.9349,"end":1480.68},{"sentences":[{"text":"Yes.","start":1490.995,"end":1491.495,"sentiment":"neutral","sentiment_score":0.07419777661561966},{"text":"Yes, please.","start":1491.715,"end":1492.1951,"sentiment":"neutral","sentiment_score":0.11398336663842201},{"text":"That'd be great.","start":1492.1951,"end":1492.915,"sentiment":"positive","sentiment_score":0.3889202872912089},{"text":"Yes, please.","start":1492.915,"end":1493.8151,"sentiment":"neutral","sentiment_score":0.15183303505182266},{"text":"Thank you.","start":1495.235,"end":1497.895,"sentiment":"neutral","sentiment_score":0.3266650587320328}],"sentiment":"neutral","sentiment_score":0.24259215593338013,"num_words":10,"start":1490.995,"end":1497.895},{"sentences":[{"text":"Thank you.","start":1499.555,"end":1500.115,"sentiment":"neutral","sentiment_score":0.27338357269763947},{"text":"And did you say Jessie has a updated beneficiary with, or is that not Yeah.","start":1500.115,"end":1524.5751,"sentiment":"neutral","sentiment_score":0.048071708033482236},{"text":"Wonderful.","start":1524.5751,"end":1525.055,"sentiment":"positive","sentiment_score":0.811150312423706},{"text":"Okay.","start":1525.055,"end":1525.375,"sentiment":"positive","sentiment_score":0.6759653091430664},{"text":"Thank you.","start":1525.375,"end":1526.115,"sentiment":"positive","sentiment_score":0.798661857843399}],"sentiment":"neutral","sentiment_score":0.20725152872148014,"num_words":21,"start":1499.555,"end":1526.115},{"sentences":[{"text":"Alright.","start":1529.375,"end":1529.85,"sentiment":"positive","sentiment_score":0.4039499759674072},{"text":"Okay.","start":1538.89,"end":1539.39,"sentiment":"positive","sentiment_score":0.38166606426239014},{"text":"Thank you.","start":1539.53,"end":1540.101,"sentiment":"positive","sentiment_score":0.7297748327255249}],"sentiment":"positive","sentiment_score":0.5612914264202118,"num_words":4,"start":1529.375,"end":1540.101}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Alright.\n\nChannel 0: Hi, Jesse. It's Dana from Mercy Financial. How are you this afternoon?\n\nChannel 1: Alright. Thank you.\n\nChannel 0: That's good. I had you booked in today just to run through your updated statement advice. Do you have some time now?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. All good. How was fishing yesterday? Did you catch anything?\n\nChannel 1: No. I hate you, Spotted.\n\nChannel 0: Oh, no. I all good. I do need to send through an email to you with the advice document there. Do you happen to have access to your emails at the moment, or did you just want me to run through the updated recommendations and you can review it later? What would you prefer?\n\nChannel 1: Oh, it's not true. I'll just see it later.\n\nChannel 0: Yeah. No. Not a problem at all. Jesse, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Moving forward, are you comfortable with that?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Beautiful. And as to the security day with you as well, I do need to just confirm your full name, address, and date of birth I should have.\n\nChannel 1: Jesse John McHugh.\n\nChannel 0: Yep.\n\nChannel 1: Sixteen eleven eighty eight,\n\nChannel 0: Yep.\n\nChannel 1: and 293 Rotary Park Road, Elbiton.\n\nChannel 0: Beautiful. Thank you so much for that. I have sent the documents through to your email address there as well. So when you do get some time later on, I'll get you to have a good review of those. Just run through the things that we've discussed today.\n\nLet me know if you do have any questions. If you're happy to proceed with the updated advice, we'll just get you to sign and return those back to me. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now this is sort of in relation to your last annual review that you have completed there. We did look at just wanting to update the advice. You wanted to retain the insurances that you did have within BusQ there, and we just need to sort of update to reflect the the retention strategy to make sure it was all still working for you. I did go back and have a look at the investments as well.\n\nThere has been some changes in market conditions, so we have made some alterations to the investments, and I'll go through those recommendations as well. Okay?\n\nChannel 1: Yes.\n\nChannel 0: When you first look at this front the front page there, it will not statement the device with your lovely name on the front there, and it also has my name. So the advice was provided by myself and my beautiful team here at Oakview Financial. My authorized representative number with ASIC is 1304394, and you'll see that there you can also look us up. It's important that I do note that any advice provided has been provided under your under best interest. We're here to help you working towards your financial goals.\n\nWith\n\nChannel 1: Hello?\n\nChannel 0: this advice, since we are working towards your super goals at the moment, though you still have a lot of time ahead of you. Okay?\n\nChannel 1: Yes.\n\nChannel 0: With the scope of the advice for this one here, we have scoped it to superannuation, so you're hoping to be able to retire at the age of 60. We did discuss a rep an average income of about $1,000 per week in retirement. We know that could definitely change down the track there, but this is essentially the goal we are working towards at the moment there for you. I've also factored in the estate planning side of things for you. So it looks like we don't have beneficiaries on file, so we wanna make sure that they are up to date and reflect your wishes.\n\nOkay? Where we are not sort of seeking advice or limited advice areas is the personal insurance side of things. So if you are happy with the level of cover that you had, you didn't really wanna change anything, you had noted that it adequately suited your needs for the time being, we can always review that down the track if you would like to. But for the moment, we are reflective just retaining those insurances and in relation to those now. Okay?\n\nAreas that were scoped out is regards to trauma and cash on budgeting. So you were trying to save some money on a regular basis. I know it has been a bit difficult with the the way, yeah, every cost of living has been going. We're not making any additional recommendations or providing advice in the way of cash flow and budgeting or trauma insurances. You were comfortable not having trauma at this point in time.\n\nWe can look and provide additional advice in those areas down the track if you would like us to. You're right.\n\nChannel 1: What's the trauma insurance again.\n\nChannel 0: Sorry. So trauma is an out of pocket cost, and it covers you for things like heart attacks, certain strokes, Parkinson's, neurological conditions, cancer's probably a big one. You can be covered for as little as, you know, $50,000, or you can have a certain amount to cover any particular goal you have, whether it be your mortgage or just a couple of years of income replacement. It is an out of pocket. It cost when we spoke last time you didn't really wanna look at doing that.\n\nBut if you do wanna down the track, you absolutely can. We can talk about it, and we can always update the advice to reflect. It's up to you.\n\nChannel 1: Yep. I'm not with that one.\n\nChannel 0: Yeah. That's okay. It's not a problem at all. This is a limited advice document, so we do scope in and out areas that we are providing advice on and those that we are not. I'll get you to have a read to that document prior to signing it.\n\nIf you do find you have additional questions, you are welcome to let me know there. Okay? When it comes to this working of as a will and power of attorney and things like that, we can refer you a solicitor for the drafting of those documents. However, we are not solicited, so we can't draft them for you. We do provide advice around insurances like life, safety, and income protection.\n\nHowever, we don't cover insurances around home motor, home incontents, and certain business liability insurances. They're more general, and we can refer you to a general insurance broker should you need one.\n\nChannel 1: Yep.\n\nChannel 0: And it's also important that I do know that we can, under our license, provide tax financial advice. However, we're not accountants, so we can refer you to an accountant should you need one, but we don't do your tax return for you. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. As you're going through that one, you'll see we have got your assets and liabilities noted there. Just when you rise over those, when you do see them, if there's any major changes, please let me know. If this is all as per your last annual review, I know there can be some fluctuations and changes in those. The changes in the assets and liabilities has no reflection on the advice, which is good, but it's also good to have our records up to date for you.\n\nOkay?\n\nChannel 1: Yeah.\n\nChannel 0: To make it nice and easy, essentially, with the recommendations, what I am recommending is that we do retain both your super funds at the moment, the BASQ and the HUB twenty four super funds. Retaining the bus queue and rolling over all but 10,000, leaving 10,000 in bus queue there to retain your insurances in place. You'll continue to make your contributions from your employer into your bus queue fund, and then we'll just, every year when we do reviews with you, roll over all but 10,000. So most of your money is in hub twenty four working harder there for you. Okay?\n\nI do wish to also make sure we have an opt in in place. So we'll make sure that we do have that signed. It doesn't look like there is one apply, but an opt in, essentially, if anything happens and you were to stop working for a period of time or not get contributions, just acts as a secondary security to make sure your insurance is staying in force for you. Okay? When we looked at the investments within the different funds there, the between the two funds, you are, sorry, invested in a high growth portfolio, which is where your comfort level's at.\n\nHowever, we have seen in hub twenty four that there is a couple of options that we wanted to remove out. So you have the Benelon Australian equity, sorry, portion in your Hub twenty four account that we are going to sell completely. Unfortunately, in the last few months, Benelon has had some underlying issues with some of the investments they have invested in, and they have now been underperforming. So we flagged that when we did the advice for you, and we just wanna have that removed out of there. There's no point having underperforming funds there.\n\nSo we are gonna sell off all of the Bannalong. We're also selling off all of the bank hybrids for you. They are being phased out in the future. And then we're just gonna rebalance your battery and lithium tech and your physical gold there so that your portfolio remains in line with your high growth portfolio. Because we're removing all of the BAN along Australian equities due to having been underperformed, we're actually gonna buy into the beta shares Australian 200.\n\nSo this is more of a passively managed fund. It's still giving you access to the top 200 companies in Australia. It's still giving you Australian equities exposure. It's actually just a bit cheaper as a fund, which means you actually do reduce the investment cost that you'll be paying for, and it's it has performed greater over the past. So we hope that it does better in the future, but it kind of underperformed as much as Benelon has recently as well.\n\nBy removing the bank hybrids, that's more of a defensive sort of lower risk investment. We are gonna keep and move the money into what the iShares core composite bond. It is just giving you a bit of the sorry. It is just making sure and giving you a bit of the the defensive investments, which is there for lower risk and for income producing. So, essentially, making those small changes to your portfolio has a much greater difference there.\n\nIt keeps you invested in line with the the growth portfolio that you're after, the asset allocation that you're after. But when I looked at the phase of make making these differences, by removing the underperforming investment and making a bit of a rebalance there, we can actually see that we save you about $463 on investment fees, which is fantastic to see. So it's really important that sorry. You're right.\n\nChannel 1: What do you think about? What do you think about shares?\n\nChannel 0: Yeah. Yeah. So we're selling off some of the investments and rebalancing other ones and moving the money\n\nChannel 1: Is\n\nChannel 0: into other investments.\n\nChannel 1: there is\n\nChannel 0: Yes.\n\nChannel 1: there is there is there shares at the moment going for fresh precious minerals and precious metals and uranium at the moment?\n\nChannel 0: There can be. The portfolio we have you in may have some of those in the underlying, but we haven't specifically focused on those sorts of areas because they are seen as extremely risky. They are very volatile as well. So we kinda stick to investments that have seen a greater track record that have gone through the market ups and downs and the volatility that we have seen through. When you sort of have a look at this, you'll look there at page number 19.\n\nYou'll see exactly what we have you in. But, realistically,\n\nChannel 1: Yes.\n\nChannel 0: once we kind of finish this, you'll see about 7% of your portfolio invested in battery and lithium tech to still give you good access to those other sorts of minerals there and tech sector. You'll have 6% of physical gold because gold has still done really well. It is still very good to hold on to. You'll have 7% in cybersecurity, which is still a great area to see. You'll have some funds in the iShares core composite bond.\n\nWe'll also see the S and P 500 because The US is still a really good place to be invested in even though it is seeing the volatility at the moment. We'll still see some VanEck properties. The property is a great asset for diversification. You'll see some Rafi 200 there, so giving you exposure to high, low, and mid stock companies on the ASX. And then the beta shares a 200, so giving you access to the top 200 companies in Australia there.\n\nSo it's about making sure that you are invested in a portfolio that has seen a great track record. This portfolio that we're moving into is saving you investment fees. When we did the research to change the portfolio, you'll see in the investment table, we can actually save you $463 in investment fees for the year. So you'll be paying $463 less in investment fees out of your super fund, which means more money stays there invested for you. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: With your\n\nChannel 1: Yeah.\n\nChannel 0: bus\n\nChannel 1: I\n\nChannel 0: queue sorry. You're\n\nChannel 1: was\n\nChannel 0: right?\n\nChannel 1: I was gonna say, because I've been working in the Air Peninsula and down at Moala, and they they just found the biggest uranium deposit in the world down in Moala.\n\nChannel 0: Yeah. Wow. That's insane,\n\nChannel 1: Yeah.\n\nChannel 0: isn't it? That's crazy.\n\nChannel 1: Yeah. They had\n\nChannel 0: Wow.\n\nChannel 1: they had they got 50 they had 50 geos drilling in Moala.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: Yeah.\n\nChannel 0: That is pretty cool. That is pretty cool.\n\nChannel 1: That's that's a that's a good investment that is.\n\nChannel 0: Yeah. Absolutely. Absolutely. We'll also just not make any changes to your Basque. You're in a high growth portfolio in Basque.\n\nThere's no need to change the investments within there by leaving 10,000 in there. And looking at the aligned asset allocation between the two funds, it still works within the portfolio you're after and gives you the asset allocation in line with your risk tolerance. Okay? The other really good thing to note is that the difference in the performance. So by making those changes to your to your investment profiles within your super fund and altering, you know, re switching the underlying investments that haven't been performing very well and rebalancing your portfolio.\n\nThe newer portfolio has actually seen a greater average return over the past three to five years than your current portfolio has. So if the market performs the way it has moving forward, then we can definitely see you in a greater position by making these changes as well as lowering the investment fees, which is important as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. I've also made a recommendation that with your beneficiary nominations, with your hub twenty four, that we do add a binding, non lapsing beneficiary nomination onto your spouse. This essentially means that you've found the trustee to follow your direction, and non lapsing means you only have to fill the form out once, which is positive. At the moment, we don't have any beneficiary nominations applied. So if in the event you would have passed away, your super fund has to go through a bit of a probate process.\n\nSo having the beneficiary nominations in place are really there for to protect you and your family. So if anything did happen to you, your partner can then come back and claim the funds, and it's a much easier process. Everything gets handed to her to continue looking after your family. With bus queue, they don't allow a binding, non lapsing option. They have a binding lapsing, which means it has to be updated every three years.\n\nWe will help and organize to make sure the nomination is set up and completed correctly, and then we will keep a record on file of exactly when that nomination lapses so we can help you to have it refilled out every couple of years. Okay?\n\nChannel 1: Yes.\n\nChannel 0: It's also really important we do kind of go through and make sure that you do also set up a will and power of attorney. I have made a recommendation in here that if you haven't got a solicitor that we can certainly refer you through to one, And that just setting up a will and power of attorney is really important for all the other assets you have, your cars, your savings, and things like that. So your sleepers and in life insurance is covered by the beneficiary nominations, but everything else needs to be done through the estate planning and having a will. And a power of attorney is really important as well because if you weren't able to make medical or financial decisions for yourself, having someone nominated that you trust and that knows what your wishes are to act on your behalf is really important as well. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Oh, good. Look. That is basically all I kind of needed to go through with you. It is a lot, and I do apologize. I do have sent the email to you.\n\nSo have a read through the document, have a look at the changes that we are making there. It's really important. Benelung has been underperforming, so we do wanna get that out of your out of your super funds really quickly. So if you can have a look through that one and sign it and return it back to me, I can have the changes made in your portfolio ASAP. The only\n\nChannel 1: Yes.\n\nChannel 0: other thing I probably forgot to make mention of was the CGT. So by making these changes, we did check the capital gains consequences, and it looks like there's absolutely none. So because Benelon has been underperforming, it offsets any capital gains that would be made by altering the rest of your portfolio. So there's no CGT consequences there for your fund, which is a positive sign for yourself. And sorry.\n\nOne more thing. And, yeah, just retaining bus queue to make sure your insurances remain in place until you need to alter or change those moving forward. We still keep any reviews and wanna make sure we do catch ups with you to make sure you stay on track in meeting your goals, and that we're working forward and altering this advice regularly with you as well. There's no implementation or upfront fees for the advice we do provide. It is all part of you being an ongoing service client, so you pay an ongoing service fee for our services for having us look after everything for you.\n\nAnd so it means that we provide all this advice for you. Basically, complimentary. It's all part of the service that we provide in trying to keep you on track. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Easy.\n\nChannel 1: And I I I was the other thing I was gonna bring up,\n\nChannel 0: Yeah.\n\nChannel 1: I wanted I wanna claim I wanted to claim something so I can get veneers.\n\nChannel 0: Okay. Yeah. Yeah. So you wanna do compassionate grounds?\n\nChannel 1: But\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Because I broke\n\nChannel 0: Yeah.\n\nChannel 1: my tooth and\n\nChannel 0: Oh, no.\n\nChannel 1: no. Because it's already capped, and I broke it again\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Right.\n\nChannel 1: run out of tooth. And\n\nChannel 0: Yeah.\n\nChannel 1: I've got I've got half a tooth and half half of my missing teeth and\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: yeah. I need to get it fixed. But I wanna get I wanna go.\n\nChannel 0: Yeah. No. Fair enough. So you absolutely can. Have you spoken to a dentist and gotten a quote on how much it's gonna cost you?\n\nChannel 1: I've looked them up.\n\nChannel 0: Yeah. That's okay. What I'll get you to do is in order to to do pack Compassionate Grounds, you essentially need to be able to get a quote on how much it's gonna cost to have the work done. So contact dentists and find out how much it's gonna be, get them to print you out a quote, and then you just apply for Compassionate grounds through your myGov account. It goes direct to the ATO.\n\nThey're just wanting to make sure and confirm that you can't pay for this any other way. And as long as you've got the evidence of how much it's gonna cost, they'll look at the the eligibility for you and haven't seen a lot of them unapproved not approved. But\n\nChannel 1: Yeah.\n\nChannel 0: they'll just want the quote to show how much it's gonna cost that you, you know, you're telling them you can't to the pay if there's any other way, and the ATO made the decision. They if they approve the claim, we'll let your super fund know, and your super fund will let us know, and then we'll be able to make sure we help you with the withdrawal out. Because you are under because you are under the age of 60, your super fund can and does withhold tax\n\nChannel 1: I\n\nChannel 0: for\n\nChannel 1: think\n\nChannel 0: the withdrawal because there is technically, the amount pulled out of super is considered part of your assessable income. It's added to your assessable income, but your tax sorry. You're\n\nChannel 1: I think you could\n\nChannel 0: at\n\nChannel 1: claim it on tax.\n\nChannel 0: no. You can't.\n\nChannel 1: Like, cosmetic.\n\nChannel 0: No. No. No. The the amount you withdraw out of your super fund on the compassionate grounds is added to your assessable income.\n\nChannel 1: Yeah.\n\nChannel 0: But the super fund withholds a certain amount of tax, so it's part of your assessable income, but it's not your assessable taxable income. It's a little bit confusing the way they do it. The super fund works out or the ACO and the super fund work out essentially how much tax should be paid on that, and they try to withhold the amount required. And then if there's any additional adjustments to tax time, then that can be made. But they normally hold up with the up to 22%, so they do hold a larger amount of tax.\n\nAnd you still get the amount you need. They work out how much you need, the tax on top of that, so you can still draw down the amount you need to have the work done. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. It's a little bit confusing. But, essentially, all you need to do first is go and see your dentist, get them to do you up a quote to show how much it's gonna cost to get the work done, and then go into your myGov account, and you'll apply for Compassionate Grounds through your myGov account. And then from there, the ACO will assess it for you. They'll let the Superfund know when they approve it, and the Superfund will contact us because we look after it for you, and we'll help you with the withdrawal.\n\nOkay?\n\nChannel 1: Yes. Alrighty.\n\nChannel 0: Yeah. Oh, good. Did you have any other questions? I know it's a lot to kinda go through when you're not looking at the advice document. But when you've got some time, if you can open up your email, sit down, have a really good look at that one for me.\n\nLet me know if there is any questions in relation to any of it, and if you're just happy to go ahead and make those changes, I'll just get you to, sign it and send it back to me. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Easy. Do you have any questions at the moment at all, Jesse?\n\nChannel 1: Does she know how much the power of attorney? Oh, missus wants to know how much the cost for a power\n\nChannel 0: For\n\nChannel 1: of\n\nChannel 0: power\n\nChannel 1: attorney\n\nChannel 0: of attorney?\n\nChannel 1: for\n\nChannel 0: Yeah. Really good question. We do have some information on a local solicitor, so CJM. If\n\nChannel 1: you.\n\nChannel 0: you like, I can send that email to you after the call. It's just it's not really an introduction. It's more just giving you their information. I can send the costing through what it cost to do up a will and power of attorney so you can kinda have a look at that. Would that be okay?\n\nChannel 1: Yes. What'd you say? I'm sorry. Hi. I'm good.\n\nHow are you?\n\nChannel 0: Hi.\n\nChannel 1: Just\n\nChannel 0: Good. Thanks.\n\nChannel 1: just\n\nChannel 0: How are you?\n\nChannel 1: good. Thank you. There's free wheels on at the moment. I don't know what they're called. They used to be\n\nChannel 0: Yeah.\n\nChannel 1: called or something like that. So I was\n\nChannel 0: Okay.\n\nChannel 1: I've nearly finished my wheel, and I was going to get Jesse to do his. And\n\nChannel 0: Yeah.\n\nChannel 1: on there, it says you can add on a power of attorney for a $100. Like,\n\nChannel 0: Yes.\n\nChannel 1: we've never gone through like, this is something new for us to do that type\n\nChannel 0: Yeah.\n\nChannel 1: of thing.\n\nChannel 0: Absolutely.\n\nChannel 1: Do you know anything about that?\n\nChannel 0: Yes. So sorry. I the phone cut out a little bit. We're about to be doing the free will through.\n\nChannel 1: I'll have to look it up. I'll I'll tell\n\nChannel 0: Yeah.\n\nChannel 1: you in one I think it's called\n\nChannel 0: That's\n\nChannel 1: SafeBook.\n\nChannel 0: okay. Safe will. Okay.\n\nChannel 1: Hold on. I'm on this. It's a customer's money.\n\nChannel 0: That's okay. You've got a good missus. I'll tell you what.\n\nChannel 1: Yeah. Because I'll spend it on a on a impulse.\n\nChannel 0: As long as you can catch the fish, you'll be right.\n\nChannel 1: Yeah. I do. Yeah. It's pretty safe, though.\n\nChannel 0: Yeah. That's okay. So I'm just having a quick look at them now. Okay. Yeah.\n\nSo SafeWell is currently offering free wills online. They're usually about a $160. They did them\n\nChannel 1: Yes.\n\nChannel 0: in Australia and New Zealand. It's often in partnership with certain charities during the promotional weeks. The legal solicitor reviewed wills can be created under twenty minutes and free updates available once a year. So it's honestly fine. It does look like they do have them reviewed by a solicitor.\n\nAs\n\nChannel 1: Yes.\n\nChannel 0: long as the directions are followed, these are the will kits that are absolutely great to do. They can be more cost effective than going and seeing a solicitor.\n\nChannel 1: Yes.\n\nChannel 0: However, they can also be a little bit more contestable. So just making sure that you are following the instructions that you do have them, you know, signed and witnessed and lodged correctly, then\n\nChannel 1: Okay.\n\nChannel 0: they can be absolutely fine. I would definitely suggest print out a copy. Once it's all been lodged and signed and witnessed, if they send you a a final copy, put it out somewhere and let, you know, your beneficiaries know where it's located. So if anything does happen to you, they know\n\nChannel 1: Yes.\n\nChannel 0: where to go to get your will, and what's in it and things like that. So the biggest thing comes down to communication with your family members and your beneficiaries.\n\nChannel 1: Yes.\n\nChannel 0: But these safe wills are often quite good. It's just about promoting trying to get estate planning working because a lot of people don't have any of this done, and so many people do pass away with no estate planning, no wills set up, and then everything goes through probate. And it's probably one of the hardest times for your family to go through. But from what I'm looking at here, there's nothing wrong with that in any way, shape, or form. It is solicited or reviewed.\n\nIt's just utilizing the websites and trying to sort of promote getting the estate planning working for you guys. Yeah.\n\nChannel 1: I Cool. Yeah. I did notice, you know, like, they quite they push quite a lot with, like,\n\nChannel 0: Yeah.\n\nChannel 1: would you like to donate to this foundation and all of\n\nChannel 0: Yes.\n\nChannel 1: this? Like, it's already\n\nChannel 0: Yep.\n\nChannel 1: clicked yet, so you need to say no\n\nChannel 0: Yes.\n\nChannel 1: on the whole\n\nChannel 0: Yeah.\n\nChannel 1: thing. And, yeah, it's fine. But I thought I could ask because I haven't done it, but my mom keeps on my back. You better have a will as you know, because we've\n\nChannel 0: Yeah.\n\nChannel 1: got the kids.\n\nChannel 0: Yeah.\n\nChannel 1: So Oh, no. Yeah. Good\n\nChannel 0: Yeah. No. It is really one of the most important\n\nChannel 1: job.\n\nChannel 0: things to do. We, unfortunately, as financial advisers, do see a lot of the estate planning side of things, and we do\n\nChannel 1: Yes.\n\nChannel 0: deal with a lot of the estates after people have passed away. And it is a really difficult time for most people. Most people don't have a will in place or have never really thought about having a will in place. And going through probate is a long lengthy and can be a costly pros a process. So you're definitely doing\n\nChannel 1: Yes.\n\nChannel 0: the right thing. Would you still like me just to send that referral email through to you just to give you an idea on on how CGM what CGM do and the costing of a will on their end?\n\nChannel 1: Yes. Yes, please. That'd be great. Yes,\n\nChannel 0: Yeah.\n\nChannel 1: please.\n\nChannel 0: Absolutely. Perfect. I'll get that\n\nChannel 1: Thank\n\nChannel 0: one done up for you now, and I'll shoot that through\n\nChannel 1: you.\n\nChannel 0: to Jesse's email for you.\n\nChannel 1: Thank you. And did you say Jessie has a updated beneficiary with, or is that\n\nChannel 0: Yes. From it looks like there isn't one on there. So with the recommendations I'm making, we are\n\nChannel 1: not\n\nChannel 0: making the recommendation that he update those, and we will make sure and help him to have them filled out. Yeah. So we'll we'll get the beneficiaries all done up and send them to him, and then he's just gonna get them signed and witness them back to us, and we'll have them applied to each of those funds.\n\nChannel 1: Yeah. Wonderful. Okay. Thank you.\n\nChannel 0: Yeah. That's okay. Not a problem at all.\n\nChannel 1: Alright.\n\nChannel 0: Easy, Jesse. The email's there for you. I'll get this next email out with the CJM information. And if you have any questions, just let me know.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Easy. No worries. You have a good day. Thanks, Jessie. See you later.","paragraphs":[{"sentences":[{"text":"Alright.","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.12788736820220947}],"sentiment":"neutral","sentiment_score":0.12788736820220947,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Hi, Jesse.","start":2.3999999,"end":3.04,"sentiment":"neutral","sentiment_score":0.1936548575758934},{"text":"It's Dana from Mercy Financial.","start":3.04,"end":4.5,"sentiment":"neutral","sentiment_score":0.20987131893634797},{"text":"How are you this afternoon?","start":4.64,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.2843788266181946}],"sentiment":"neutral","sentiment_score":0.23821337024370828,"channel":0,"num_words":12,"start":2.3999999,"end":5.8599997},{"sentences":[{"text":"Alright.","start":6.24,"end":6.64,"sentiment":"neutral","sentiment_score":0.3117440938949585},{"text":"Thank you.","start":6.64,"end":7.3799996,"sentiment":"positive","sentiment_score":0.6320177912712097}],"sentiment":"positive","sentiment_score":0.5252598921457926,"channel":1,"num_words":3,"start":6.24,"end":7.3799996},{"sentences":[{"text":"That's good.","start":7.52,"end":8.24,"sentiment":"positive","sentiment_score":0.69786337018013},{"text":"I had you booked in today just to run through your updated statement advice.","start":8.24,"end":11.36,"sentiment":"neutral","sentiment_score":0.28406112641096115},{"text":"Do you have some time now?","start":11.36,"end":12.82,"sentiment":"neutral","sentiment_score":0.09183697650829951}],"sentiment":"neutral","sentiment_score":0.26925474405288696,"channel":0,"num_words":22,"start":7.52,"end":12.82},{"sentences":[{"text":"Yeah.","start":13.28,"end":13.78,"sentiment":"neutral","sentiment_score":0.12405282258987428}],"sentiment":"neutral","sentiment_score":0.12405282258987428,"channel":1,"num_words":1,"start":13.28,"end":13.78},{"sentences":[{"text":"Yeah.","start":14.095,"end":14.495001,"sentiment":"neutral","sentiment_score":0.15568983554840088},{"text":"All good.","start":14.495001,"end":15.055,"sentiment":"neutral","sentiment_score":0.3006574213504791},{"text":"How was fishing yesterday?","start":15.055,"end":16.175,"sentiment":"neutral","sentiment_score":0.15830670669674873},{"text":"Did you catch anything?","start":16.175,"end":17.155,"sentiment":"neutral","sentiment_score":0.04999369289726019}],"sentiment":"neutral","sentiment_score":0.144564206965945,"channel":0,"num_words":11,"start":14.095,"end":17.155},{"sentences":[{"text":"No.","start":18.305,"end":18.545,"sentiment":"neutral","sentiment_score":-0.24980637431144712},{"text":"I hate you, Spotted.","start":18.545,"end":19.525,"sentiment":"negative","sentiment_score":-0.4173169285058975}],"sentiment":"negative","sentiment_score":-0.3838148176670074,"channel":1,"num_words":5,"start":18.305,"end":19.525},{"sentences":[{"text":"Oh, no.","start":19.855,"end":21.155,"sentiment":"neutral","sentiment_score":-0.12596973776817322},{"text":"I all good.","start":21.335,"end":22.915,"sentiment":"neutral","sentiment_score":0.026246540248394012},{"text":"I do need to send through an email to you with the advice document there.","start":23.135,"end":25.89,"sentiment":"neutral","sentiment_score":0.015431859716773032},{"text":"Do you happen to have access to your emails at the moment, or did you just want me to run through the updated recommendations and you can review it later?","start":25.89,"end":32.13,"sentiment":"neutral","sentiment_score":0.009710207271079222},{"text":"What would you prefer?","start":32.13,"end":33.19,"sentiment":"neutral","sentiment_score":-0.015561025124043226}],"sentiment":"neutral","sentiment_score":0.0053211140480858305,"channel":0,"num_words":54,"start":19.855,"end":33.19},{"sentences":[{"text":"Oh, it's not true.","start":33.54,"end":34.58,"sentiment":"neutral","sentiment_score":-0.1513737328350544},{"text":"I'll just see it later.","start":34.58,"end":36.12,"sentiment":"neutral","sentiment_score":-0.11213825792074203}],"sentiment":"neutral","sentiment_score":-0.12957624677154753,"channel":1,"num_words":9,"start":33.54,"end":36.12},{"sentences":[{"text":"Yeah.","start":36.45,"end":36.77,"sentiment":"neutral","sentiment_score":0.016871998086571693},{"text":"No.","start":36.77,"end":37.09,"sentiment":"neutral","sentiment_score":0.06062394380569458},{"text":"Not a problem at all.","start":37.09,"end":38.47,"sentiment":"neutral","sentiment_score":0.1561259150505066},{"text":"Jesse, before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":38.77,"end":43.295,"sentiment":"neutral","sentiment_score":0.07916544208472426},{"text":"Moving forward, are you comfortable with that?","start":43.355,"end":45.295,"sentiment":"neutral","sentiment_score":0.07994861847587995}],"sentiment":"neutral","sentiment_score":0.08776126589833035,"channel":0,"num_words":36,"start":36.45,"end":45.295},{"sentences":[{"text":"Yes.","start":45.954998,"end":46.454998,"sentiment":"neutral","sentiment_score":0.1229032650589943}],"sentiment":"neutral","sentiment_score":0.1229032650589943,"channel":1,"num_words":1,"start":45.954998,"end":46.454998},{"sentences":[{"text":"Yeah.","start":46.635,"end":47.035,"sentiment":"neutral","sentiment_score":0.1907244622707367},{"text":"Beautiful.","start":47.035,"end":47.355,"sentiment":"positive","sentiment_score":0.33569806814193726},{"text":"And as to the security day with you as well, I do need to just confirm your full name, address, and date of birth I should have.","start":47.355,"end":53.214996,"sentiment":"neutral","sentiment_score":0.12695924827346095}],"sentiment":"neutral","sentiment_score":0.1363559390964179,"channel":0,"num_words":29,"start":46.635,"end":53.214996},{"sentences":[{"text":"Jesse John McHugh.","start":54.710003,"end":55.850002,"sentiment":"neutral","sentiment_score":0.02942394403119882}],"sentiment":"neutral","sentiment_score":0.02942394403119882,"channel":1,"num_words":3,"start":54.710003,"end":55.850002},{"sentences":[{"text":"Yep.","start":56.45,"end":56.95,"sentiment":"neutral","sentiment_score":0.03325384855270386}],"sentiment":"neutral","sentiment_score":0.03325384855270386,"channel":0,"num_words":1,"start":56.45,"end":56.95},{"sentences":[{"text":"Sixteen eleven eighty eight,","start":56.710003,"end":58.25,"sentiment":"neutral","sentiment_score":0.025434623006731272}],"sentiment":"neutral","sentiment_score":0.025434623006731272,"channel":1,"num_words":4,"start":56.710003,"end":58.25},{"sentences":[{"text":"Yep.","start":58.77,"end":59.27,"sentiment":"neutral","sentiment_score":0.03424380347132683}],"sentiment":"neutral","sentiment_score":0.03424380347132683,"channel":0,"num_words":1,"start":58.77,"end":59.27},{"sentences":[{"text":"and 293 Rotary Park Road, Elbiton.","start":58.870003,"end":61.13,"sentiment":"neutral","sentiment_score":0.04290475106487671}],"sentiment":"neutral","sentiment_score":0.04290475106487671,"channel":1,"num_words":6,"start":58.870003,"end":61.13},{"sentences":[{"text":"Beautiful.","start":61.809998,"end":62.29,"sentiment":"positive","sentiment_score":0.4075767397880554},{"text":"Thank you so much for that.","start":62.29,"end":63.75,"sentiment":"positive","sentiment_score":0.5706787407398224},{"text":"I have sent the documents through to your email address there as well.","start":63.809998,"end":66.69,"sentiment":"positive","sentiment_score":0.40203522260372454},{"text":"So when you do get some time later on, I'll get you to have a good review of those.","start":66.69,"end":70.455,"sentiment":"positive","sentiment_score":0.3641638834225504},{"text":"Just run through the things that we've discussed today.","start":70.755005,"end":72.855,"sentiment":"neutral","sentiment_score":0.3134500053193834}],"sentiment":"positive","sentiment_score":0.39163064397871494,"channel":0,"num_words":48,"start":61.809998,"end":72.855},{"sentences":[{"text":"Let me know if you do have any questions.","start":73.155,"end":74.675,"sentiment":"neutral","sentiment_score":0.23872288895977867},{"text":"If you're happy to proceed with the updated advice, we'll just get you to sign and return those back to me.","start":74.675,"end":79.075005,"sentiment":"neutral","sentiment_score":0.26039810123897733},{"text":"Okay?","start":79.075005,"end":79.575005,"sentiment":"neutral","sentiment_score":0.1238708570599556}],"sentiment":"neutral","sentiment_score":0.2497011930231125,"channel":0,"num_words":31,"start":73.155,"end":79.575005},{"sentences":[{"text":"Yep.","start":80.725006,"end":81.0,"sentiment":"neutral","sentiment_score":0.1765371859073639}],"sentiment":"neutral","sentiment_score":0.1765371859073639,"channel":1,"num_words":1,"start":80.725006,"end":81.0},{"sentences":[{"text":"Beautiful.","start":81.759995,"end":82.159996,"sentiment":"positive","sentiment_score":0.3696936368942261},{"text":"Now this is sort of in relation to your last annual review that you have completed there.","start":82.159996,"end":86.0,"sentiment":"neutral","sentiment_score":0.1744062173015931},{"text":"We did look at just wanting to update the advice.","start":86.0,"end":88.32,"sentiment":"neutral","sentiment_score":0.14586898386478425},{"text":"You wanted to retain the insurances that you did have within BusQ there, and we just need to sort of update to reflect the the retention strategy to make sure it was all still working for you.","start":88.32,"end":98.454994,"sentiment":"neutral","sentiment_score":0.22044611742367615},{"text":"I did go back and have a look at the investments as well.","start":98.835,"end":101.235,"sentiment":"neutral","sentiment_score":0.10786079328793746}],"sentiment":"neutral","sentiment_score":0.18399981829600456,"channel":0,"num_words":78,"start":81.759995,"end":101.235},{"sentences":[{"text":"There has been some changes in market conditions, so we have made some alterations to the investments, and I'll go through those recommendations as well.","start":101.235,"end":108.034996,"sentiment":"neutral","sentiment_score":0.09458495169878006},{"text":"Okay?","start":108.034996,"end":108.534996,"sentiment":"neutral","sentiment_score":0.07381132245063782}],"sentiment":"neutral","sentiment_score":0.0937859659584669,"channel":0,"num_words":26,"start":101.235,"end":108.534996},{"sentences":[{"text":"Yes.","start":109.32,"end":109.82,"sentiment":"neutral","sentiment_score":0.01500639971345663}],"sentiment":"neutral","sentiment_score":0.01500639971345663,"channel":1,"num_words":1,"start":109.32,"end":109.82},{"sentences":[{"text":"When you first look at this front the front page there, it will not statement the device with your lovely name on the front there, and it also has my name.","start":109.93,"end":116.25,"sentiment":"neutral","sentiment_score":0.08823870458910542},{"text":"So the advice was provided by myself and my beautiful team here at Oakview Financial.","start":116.25,"end":120.27,"sentiment":"neutral","sentiment_score":0.317511052886645},{"text":"My authorized representative number with ASIC is 1304394, and you'll see that there you can also look us up.","start":120.81,"end":128.16501,"sentiment":"neutral","sentiment_score":0.17187322833036123},{"text":"It's important that I do note that any advice provided has been provided under your under best interest.","start":128.465,"end":133.025,"sentiment":"neutral","sentiment_score":0.18423537247710758},{"text":"We're here to help you working towards your financial goals.","start":133.025,"end":136.18001,"sentiment":"positive","sentiment_score":0.5721603721380234}],"sentiment":"neutral","sentiment_score":0.2129193268796449,"channel":0,"num_words":93,"start":109.93,"end":136.18001},{"sentences":[{"text":"With","start":136.48001,"end":136.72,"sentiment":"neutral","sentiment_score":0.17265228927135468}],"sentiment":"neutral","sentiment_score":0.17265228927135468,"channel":0,"num_words":1,"start":136.48001,"end":136.72},{"sentences":[{"text":"Hello?","start":136.62999,"end":137.12999,"sentiment":"neutral","sentiment_score":0.16013282537460327}],"sentiment":"neutral","sentiment_score":0.16013282537460327,"channel":1,"num_words":1,"start":136.62999,"end":137.12999},{"sentences":[{"text":"this advice, since we are working towards your super goals at the moment, though you still have a lot of time ahead of you.","start":136.72,"end":141.76001,"sentiment":"neutral","sentiment_score":0.18112837026516596},{"text":"Okay?","start":141.76001,"end":142.26001,"sentiment":"neutral","sentiment_score":0.11082017421722412}],"sentiment":"neutral","sentiment_score":0.17831604242324828,"channel":0,"num_words":25,"start":136.72,"end":142.26001},{"sentences":[{"text":"Yes.","start":143.51,"end":143.805,"sentiment":"neutral","sentiment_score":0.17239466309547424}],"sentiment":"neutral","sentiment_score":0.17239466309547424,"channel":1,"num_words":1,"start":143.51,"end":143.805},{"sentences":[{"text":"With the scope of the advice for this one here, we have scoped it to superannuation, so you're hoping to be able to retire at the age of 60.","start":144.88,"end":151.71501,"sentiment":"neutral","sentiment_score":0.2009654502416479},{"text":"We did discuss a rep an average income of about $1,000 per week in retirement.","start":151.85501,"end":156.675,"sentiment":"neutral","sentiment_score":0.19137975176175434},{"text":"We know that could definitely change down the track there, but this is essentially the goal we are working towards at the moment there for you.","start":156.815,"end":163.08,"sentiment":"neutral","sentiment_score":0.3134538783476903},{"text":"I've also factored in the estate planning side of things for you.","start":163.40001,"end":166.2,"sentiment":"neutral","sentiment_score":0.25076383352279663},{"text":"So it looks like we don't have beneficiaries on file, so we wanna make sure that they are up to date and reflect your wishes.","start":166.2,"end":171.74,"sentiment":"neutral","sentiment_score":0.20121628254652024}],"sentiment":"neutral","sentiment_score":0.23259876856458522,"channel":0,"num_words":107,"start":144.88,"end":171.74},{"sentences":[{"text":"Okay?","start":171.96,"end":172.46,"sentiment":"neutral","sentiment_score":0.046498753130435944},{"text":"Where we are not sort of seeking advice or limited advice areas is the personal insurance side of things.","start":173.72,"end":178.905,"sentiment":"neutral","sentiment_score":-0.09974574140812222},{"text":"So if you are happy with the level of cover that you had, you didn't really wanna change anything, you had noted that it adequately suited your needs for the time being, we can always review that down the track if you would like to.","start":178.905,"end":190.025,"sentiment":"neutral","sentiment_score":0.008598314225673675},{"text":"But for the moment, we are reflective just retaining those insurances and in relation to those now.","start":190.025,"end":196.69,"sentiment":"neutral","sentiment_score":-0.052493556676542055},{"text":"Okay?","start":196.69,"end":197.19,"sentiment":"neutral","sentiment_score":-0.03644762188196182}],"sentiment":"neutral","sentiment_score":-0.02880222022712949,"channel":0,"num_words":83,"start":171.96,"end":197.19},{"sentences":[{"text":"Areas that were scoped out is regards to trauma and cash on budgeting.","start":199.01001,"end":202.77,"sentiment":"neutral","sentiment_score":-0.1485912284025779},{"text":"So you were trying to save some money on a regular basis.","start":202.77,"end":205.25,"sentiment":"neutral","sentiment_score":-0.12824812841912112},{"text":"I know it has been a bit difficult with the the way, yeah, every cost of living has been going.","start":205.25,"end":210.125,"sentiment":"negative","sentiment_score":-0.4137705206871033},{"text":"We're not making any additional recommendations or providing advice in the way of cash flow and budgeting or trauma insurances.","start":210.50499,"end":216.125,"sentiment":"negative","sentiment_score":-0.41624499261379244},{"text":"You were comfortable not having trauma at this point in time.","start":216.265,"end":219.325,"sentiment":"neutral","sentiment_score":-0.310503981330178}],"sentiment":"neutral","sentiment_score":-0.30903312593306365,"channel":0,"num_words":76,"start":199.01001,"end":219.325},{"sentences":[{"text":"We can look and provide additional advice in those areas down the track if you would like us to.","start":219.625,"end":224.36499,"sentiment":"neutral","sentiment_score":0.0030137414210721068},{"text":"You're right.","start":224.52,"end":225.26001,"sentiment":"neutral","sentiment_score":-0.02015447709709406}],"sentiment":"neutral","sentiment_score":0.0008072444193419956,"channel":0,"num_words":21,"start":219.625,"end":225.26001},{"sentences":[{"text":"What's the trauma insurance again.","start":226.185,"end":228.125,"sentiment":"neutral","sentiment_score":-0.14460993260145188}],"sentiment":"neutral","sentiment_score":-0.14460993260145188,"channel":1,"num_words":5,"start":226.185,"end":228.125},{"sentences":[{"text":"Sorry.","start":227.72,"end":228.12001,"sentiment":"neutral","sentiment_score":-0.31878626346588135},{"text":"So trauma is an out of pocket cost, and it covers you for things like heart attacks, certain strokes, Parkinson's, neurological conditions, cancer's probably a big one.","start":228.12001,"end":237.74,"sentiment":"neutral","sentiment_score":-0.27258602446979946},{"text":"You can be covered for as little as, you know, $50,000, or you can have a certain amount to cover any particular goal you have, whether it be your mortgage or just a couple of years of income replacement.","start":238.245,"end":250.105,"sentiment":"neutral","sentiment_score":0.0644631863404543},{"text":"It is an out of pocket.","start":250.6,"end":251.72,"sentiment":"neutral","sentiment_score":-0.2345015605290731},{"text":"It cost when we spoke last time you didn't really wanna look at doing that.","start":251.72,"end":254.94,"sentiment":"neutral","sentiment_score":-0.15059633155663807}],"sentiment":"neutral","sentiment_score":-0.10034657947041771,"channel":0,"num_words":88,"start":227.72,"end":254.94},{"sentences":[{"text":"But if you do wanna down the track, you absolutely can.","start":255.48,"end":258.04,"sentiment":"positive","sentiment_score":0.38509808480739594},{"text":"We can talk about it, and we can always update the advice to reflect.","start":258.04,"end":261.34,"sentiment":"neutral","sentiment_score":0.30225597428424017},{"text":"It's up to you.","start":261.4,"end":262.38,"sentiment":"neutral","sentiment_score":0.2211502008140087}],"sentiment":"neutral","sentiment_score":0.3224918405557501,"channel":0,"num_words":29,"start":255.48,"end":262.38},{"sentences":[{"text":"Yep.","start":262.15,"end":262.65,"sentiment":"neutral","sentiment_score":0.04561769589781761},{"text":"I'm not with that one.","start":263.50998,"end":265.53,"sentiment":"neutral","sentiment_score":-0.1675649404525757}],"sentiment":"neutral","sentiment_score":-0.13203450106084347,"channel":1,"num_words":6,"start":262.15,"end":265.53},{"sentences":[{"text":"Yeah.","start":265.25497,"end":265.655,"sentiment":"neutral","sentiment_score":0.022058650851249695},{"text":"That's okay.","start":265.655,"end":266.47498,"sentiment":"neutral","sentiment_score":0.2079526111483574},{"text":"It's not a problem at all.","start":266.615,"end":268.395,"sentiment":"neutral","sentiment_score":0.2884129583835602},{"text":"This is a limited advice document, so we do scope in and out areas that we are providing advice on and those that we are not.","start":269.25497,"end":275.97,"sentiment":"neutral","sentiment_score":0.13677525033171362},{"text":"I'll get you to have a read to that document prior to signing it.","start":276.21,"end":279.09,"sentiment":"neutral","sentiment_score":0.13734748374138558}],"sentiment":"neutral","sentiment_score":0.15607067151945464,"channel":0,"num_words":49,"start":265.25497,"end":279.09},{"sentences":[{"text":"If you do find you have additional questions, you are welcome to let me know there.","start":279.09,"end":282.77,"sentiment":"neutral","sentiment_score":0.17847394477576017},{"text":"Okay?","start":282.77,"end":283.27,"sentiment":"neutral","sentiment_score":0.11455755680799484},{"text":"When it comes to this working of as a will and power of attorney and things like that, we can refer you a solicitor for the drafting of those documents.","start":284.29,"end":291.695,"sentiment":"neutral","sentiment_score":0.08281698673963547},{"text":"However, we are not solicited, so we can't draft them for you.","start":291.755,"end":295.855,"sentiment":"neutral","sentiment_score":-0.02835338159153859},{"text":"We do provide advice around insurances like life, safety, and income protection.","start":296.075,"end":300.015,"sentiment":"neutral","sentiment_score":0.06842121823380391}],"sentiment":"neutral","sentiment_score":0.08359808894530149,"channel":0,"num_words":71,"start":279.09,"end":300.015},{"sentences":[{"text":"However, we don't cover insurances around home motor, home incontents, and certain business liability insurances.","start":300.075,"end":306.68002,"sentiment":"neutral","sentiment_score":-0.05885735352834066},{"text":"They're more general, and we can refer you to a general insurance broker should you need one.","start":306.68002,"end":312.06,"sentiment":"neutral","sentiment_score":0.040413252297131455}],"sentiment":"neutral","sentiment_score":-0.006119844183558598,"channel":0,"num_words":32,"start":300.075,"end":312.06},{"sentences":[{"text":"Yep.","start":312.725,"end":313.05,"sentiment":"neutral","sentiment_score":0.10555358976125716}],"sentiment":"neutral","sentiment_score":0.10555358976125716,"channel":1,"num_words":1,"start":312.725,"end":313.05},{"sentences":[{"text":"And it's also important that I do know that we can, under our license, provide tax financial advice.","start":312.92,"end":317.635,"sentiment":"neutral","sentiment_score":0.12990131187770101},{"text":"However, we're not accountants, so we can refer you to an accountant should you need one, but we don't do your tax return for you.","start":317.635,"end":323.95502,"sentiment":"neutral","sentiment_score":0.02064735133200884},{"text":"Okay?","start":323.95502,"end":324.45502,"sentiment":"neutral","sentiment_score":0.10270177572965622}],"sentiment":"neutral","sentiment_score":0.06720702665519308,"channel":0,"num_words":44,"start":312.92,"end":324.45502},{"sentences":[{"text":"Yes.","start":324.49,"end":324.99,"sentiment":"neutral","sentiment_score":0.2769423723220825}],"sentiment":"neutral","sentiment_score":0.2769423723220825,"channel":1,"num_words":1,"start":324.49,"end":324.99},{"sentences":[{"text":"Beautiful.","start":325.395,"end":325.895,"sentiment":"positive","sentiment_score":0.4761929214000702},{"text":"As you're going through that one, you'll see we have got your assets and liabilities noted there.","start":326.195,"end":330.195,"sentiment":"neutral","sentiment_score":0.17677313352332397},{"text":"Just when you rise over those, when you do see them, if there's any major changes, please let me know.","start":330.195,"end":334.02002,"sentiment":"neutral","sentiment_score":0.09478839132934809},{"text":"If this is all as per your last annual review, I know there can be some fluctuations and changes in those.","start":334.02002,"end":339.48,"sentiment":"neutral","sentiment_score":0.02775500009634665},{"text":"The changes in the assets and liabilities has no reflection on the advice, which is good, but it's also good to have our records up to date for you.","start":340.02002,"end":347.595,"sentiment":"positive","sentiment_score":0.4124801793488963}],"sentiment":"neutral","sentiment_score":0.20365777523891831,"channel":0,"num_words":88,"start":325.395,"end":347.595},{"sentences":[{"text":"Okay?","start":347.655,"end":348.155,"sentiment":"neutral","sentiment_score":0.16900643706321716}],"sentiment":"neutral","sentiment_score":0.16900643706321716,"channel":0,"num_words":1,"start":347.655,"end":348.155},{"sentences":[{"text":"Yeah.","start":348.37,"end":348.87,"sentiment":"neutral","sentiment_score":0.23477081954479215}],"sentiment":"neutral","sentiment_score":0.23477081954479215,"channel":1,"num_words":1,"start":348.37,"end":348.87},{"sentences":[{"text":"To make it nice and easy, essentially, with the recommendations, what I am recommending is that we do retain both your super funds at the moment, the BASQ and the HUB twenty four super funds.","start":349.495,"end":358.155,"sentiment":"positive","sentiment_score":0.3441040907587324},{"text":"Retaining the bus queue and rolling over all but 10,000, leaving 10,000 in bus queue there to retain your insurances in place.","start":358.71002,"end":366.17,"sentiment":"positive","sentiment_score":0.3938992389223792},{"text":"You'll continue to make your contributions from your employer into your bus queue fund, and then we'll just, every year when we do reviews with you, roll over all but 10,000.","start":366.23,"end":374.515,"sentiment":"neutral","sentiment_score":0.3051973057370032},{"text":"So most of your money is in hub twenty four working harder there for you.","start":374.515,"end":378.195,"sentiment":"neutral","sentiment_score":0.2799623876810074},{"text":"Okay?","start":378.195,"end":378.695,"sentiment":"neutral","sentiment_score":0.18652215600013733}],"sentiment":"neutral","sentiment_score":0.3322740469414454,"channel":0,"num_words":104,"start":349.495,"end":378.695},{"sentences":[{"text":"I do wish to also make sure we have an opt in in place.","start":380.11502,"end":382.755,"sentiment":"neutral","sentiment_score":0.22176740424973623},{"text":"So we'll make sure that we do have that signed.","start":382.755,"end":384.93,"sentiment":"neutral","sentiment_score":0.20892039090394973},{"text":"It doesn't look like there is one apply, but an opt in, essentially, if anything happens and you were to stop working for a period of time or not get contributions, just acts as a secondary security to make sure your insurance is staying in force for you.","start":385.72998,"end":399.33,"sentiment":"neutral","sentiment_score":0.1634643777894477},{"text":"Okay?","start":399.33,"end":399.83,"sentiment":"neutral","sentiment_score":0.06104237586259842},{"text":"When we looked at the investments within the different funds there, the between the two funds, you are, sorry, invested in a high growth portfolio, which is where your comfort level's at.","start":401.435,"end":411.455,"sentiment":"neutral","sentiment_score":0.027024646406061947}],"sentiment":"neutral","sentiment_score":0.13301017869796072,"channel":0,"num_words":105,"start":380.11502,"end":411.455},{"sentences":[{"text":"However, we have seen in hub twenty four that there is a couple of options that we wanted to remove out.","start":411.51498,"end":416.13,"sentiment":"neutral","sentiment_score":-0.1583278938418343},{"text":"So you have the Benelon Australian equity, sorry, portion in your Hub twenty four account that we are going to sell completely.","start":416.69,"end":424.37,"sentiment":"neutral","sentiment_score":-0.07482404515824535},{"text":"Unfortunately, in the last few months, Benelon has had some underlying issues with some of the investments they have invested in, and they have now been underperforming.","start":424.37,"end":431.715,"sentiment":"negative","sentiment_score":-0.37429121136665344},{"text":"So we flagged that when we did the advice for you, and we just wanna have that removed out of there.","start":432.095,"end":437.455,"sentiment":"neutral","sentiment_score":-0.26052005872839973},{"text":"There's no point having underperforming funds there.","start":437.455,"end":440.195,"sentiment":"negative","sentiment_score":-0.4495461455413273}],"sentiment":"neutral","sentiment_score":-0.24178185431780863,"channel":0,"num_words":98,"start":411.51498,"end":440.195},{"sentences":[{"text":"So we are gonna sell off all of the Bannalong.","start":440.255,"end":442.435,"sentiment":"neutral","sentiment_score":-0.27875264585018156},{"text":"We're also selling off all of the bank hybrids for you.","start":442.84998,"end":445.41,"sentiment":"neutral","sentiment_score":-0.1918271698734977},{"text":"They are being phased out in the future.","start":445.41,"end":447.34998,"sentiment":"neutral","sentiment_score":-0.18739493750035763},{"text":"And then we're just gonna rebalance your battery and lithium tech and your physical gold there so that your portfolio remains in line with your high growth portfolio.","start":447.72998,"end":455.19,"sentiment":"neutral","sentiment_score":0.15936084244666354},{"text":"Because we're removing all of the BAN along Australian equities due to having been underperformed, we're actually gonna buy into the beta shares Australian 200.","start":455.885,"end":464.605,"sentiment":"neutral","sentiment_score":0.08365582190454006}],"sentiment":"neutral","sentiment_score":0.0019111501098406025,"channel":0,"num_words":82,"start":440.255,"end":464.605},{"sentences":[{"text":"So this is more of a passively managed fund.","start":464.605,"end":467.025,"sentiment":"positive","sentiment_score":0.3739747967984941},{"text":"It's still giving you access to the top 200 companies in Australia.","start":467.245,"end":471.09998,"sentiment":"positive","sentiment_score":0.5413012877106667},{"text":"It's still giving you Australian equities exposure.","start":471.56,"end":473.8,"sentiment":"positive","sentiment_score":0.617740375655038},{"text":"It's actually just a bit cheaper as a fund, which means you actually do reduce the investment cost that you'll be paying for, and it's it has performed greater over the past.","start":473.8,"end":483.24,"sentiment":"positive","sentiment_score":0.6314411424100399},{"text":"So we hope that it does better in the future, but it kind of underperformed as much as Benelon has recently as well.","start":483.24,"end":489.625,"sentiment":"neutral","sentiment_score":0.27724344639674475}],"sentiment":"positive","sentiment_score":0.49118418165718214,"channel":0,"num_words":83,"start":464.605,"end":489.625},{"sentences":[{"text":"By removing the bank hybrids, that's more of a defensive sort of lower risk investment.","start":490.64502,"end":494.80502,"sentiment":"neutral","sentiment_score":0.05790201524893443},{"text":"We are gonna keep and move the money into what the iShares core composite bond.","start":494.80502,"end":498.81,"sentiment":"neutral","sentiment_score":0.24770544866720837},{"text":"It is just giving you a bit of the sorry.","start":498.88998,"end":502.33,"sentiment":"neutral","sentiment_score":0.27909626364707946},{"text":"It is just making sure and giving you a bit of the the defensive investments, which is there for lower risk and for income producing.","start":502.33,"end":510.11,"sentiment":"neutral","sentiment_score":0.2755440491437912},{"text":"So, essentially, making those small changes to your portfolio has a much greater difference there.","start":510.81,"end":515.565,"sentiment":"positive","sentiment_score":0.4302153845628103}],"sentiment":"neutral","sentiment_score":0.25896133240312336,"channel":0,"num_words":80,"start":490.64502,"end":515.565},{"sentences":[{"text":"It keeps you invested in line with the the growth portfolio that you're after, the asset allocation that you're after.","start":515.565,"end":521.665,"sentiment":"positive","sentiment_score":0.438999716937542},{"text":"But when I looked at the phase of make making these differences, by removing the underperforming investment and making a bit of a rebalance there, we can actually see that we save you about $463 on investment fees, which is fantastic to see.","start":521.805,"end":537.61005,"sentiment":"neutral","sentiment_score":0.32977561496717983},{"text":"So it's really important that sorry.","start":537.61005,"end":542.185,"sentiment":"neutral","sentiment_score":-0.10431882118185361},{"text":"You're right.","start":542.185,"end":542.84503,"sentiment":"neutral","sentiment_score":-0.09967524744570255}],"sentiment":"neutral","sentiment_score":0.3117617233853105,"channel":0,"num_words":71,"start":515.565,"end":542.84503},{"sentences":[{"text":"What do you think about?","start":543.49,"end":544.098,"sentiment":"neutral","sentiment_score":-0.05354115590453148},{"text":"What do you think about shares?","start":544.098,"end":545.19,"sentiment":"neutral","sentiment_score":-0.04966099063555399}],"sentiment":"neutral","sentiment_score":-0.05142470212145285,"channel":1,"num_words":11,"start":543.49,"end":545.19},{"sentences":[{"text":"Yeah.","start":546.425,"end":546.825,"sentiment":"neutral","sentiment_score":-0.0010440479964017868},{"text":"Yeah.","start":546.825,"end":547.225,"sentiment":"neutral","sentiment_score":-0.0032769590616226196},{"text":"So we're selling off some of the investments and rebalancing other ones and moving the money","start":547.225,"end":552.425,"sentiment":"neutral","sentiment_score":-0.06104789086384699}],"sentiment":"neutral","sentiment_score":-0.054504847826643124,"channel":0,"num_words":18,"start":546.425,"end":552.425},{"sentences":[{"text":"Is","start":552.305,"end":552.805,"sentiment":"neutral","sentiment_score":-0.03622013330459595}],"sentiment":"neutral","sentiment_score":-0.03622013330459595,"channel":1,"num_words":1,"start":552.305,"end":552.805},{"sentences":[{"text":"into other investments.","start":552.425,"end":553.565,"sentiment":"neutral","sentiment_score":-0.014454363534847895}],"sentiment":"neutral","sentiment_score":-0.014454363534847895,"channel":0,"num_words":3,"start":552.425,"end":553.565},{"sentences":[{"text":"there is","start":553.185,"end":553.845,"sentiment":"neutral","sentiment_score":-0.008446593768894672}],"sentiment":"neutral","sentiment_score":-0.008446593768894672,"channel":1,"num_words":2,"start":553.185,"end":553.845},{"sentences":[{"text":"Yes.","start":553.945,"end":554.445,"sentiment":"neutral","sentiment_score":0.02132450230419636}],"sentiment":"neutral","sentiment_score":0.02132450230419636,"channel":0,"num_words":1,"start":553.945,"end":554.445},{"sentences":[{"text":"there is there is there shares at the moment going for fresh precious minerals and precious metals and uranium at the moment?","start":554.545,"end":560.64,"sentiment":"neutral","sentiment_score":-0.01859608825973489}],"sentiment":"neutral","sentiment_score":-0.01859608825973489,"channel":1,"num_words":22,"start":554.545,"end":560.64},{"sentences":[{"text":"There can be.","start":561.93,"end":563.12994,"sentiment":"neutral","sentiment_score":-0.0390592614809672},{"text":"The portfolio we have you in may have some of those in the underlying, but we haven't specifically focused on those sorts of areas because they are seen as extremely risky.","start":563.12994,"end":572.315,"sentiment":"neutral","sentiment_score":-0.14446154909749184},{"text":"They are very volatile as well.","start":572.695,"end":574.45496,"sentiment":"neutral","sentiment_score":-0.3319237989683946},{"text":"So we kinda stick to investments that have seen a greater track record that have gone through the market ups and downs and the volatility that we have seen through.","start":574.45496,"end":582.95496,"sentiment":"neutral","sentiment_score":-0.0349092128376166},{"text":"When you sort of have a look at this, you'll look there at page number 19.","start":583.23,"end":587.23,"sentiment":"neutral","sentiment_score":0.023643912514671683}],"sentiment":"neutral","sentiment_score":-0.08437212075778218,"channel":0,"num_words":86,"start":561.93,"end":587.23},{"sentences":[{"text":"You'll see exactly what we have you in.","start":587.23,"end":589.07,"sentiment":"neutral","sentiment_score":0.027547126170247793},{"text":"But, realistically,","start":589.07,"end":589.97,"sentiment":"neutral","sentiment_score":0.03729499131441116}],"sentiment":"neutral","sentiment_score":0.02949669919908047,"channel":0,"num_words":10,"start":587.23,"end":589.97},{"sentences":[{"text":"Yes.","start":590.02997,"end":590.52997,"sentiment":"neutral","sentiment_score":0.11760831624269484}],"sentiment":"neutral","sentiment_score":0.11760831624269484,"channel":1,"num_words":1,"start":590.02997,"end":590.52997},{"sentences":[{"text":"once we kind of finish this, you'll see about 7% of your portfolio invested in battery and lithium tech to still give you good access to those other sorts of minerals there and tech sector.","start":590.19,"end":601.755,"sentiment":"neutral","sentiment_score":0.19677008241415023},{"text":"You'll have 6% of physical gold because gold has still done really well.","start":602.295,"end":605.97504,"sentiment":"positive","sentiment_score":0.3403031803094424},{"text":"It is still very good to hold on to.","start":605.97504,"end":608.155,"sentiment":"positive","sentiment_score":0.4926147758960724},{"text":"You'll have 7% in cybersecurity, which is still a great area to see.","start":608.615,"end":612.635,"sentiment":"positive","sentiment_score":0.4232123402448801},{"text":"You'll have some funds in the iShares core composite bond.","start":613.09,"end":616.79,"sentiment":"neutral","sentiment_score":0.22669214010238647}],"sentiment":"neutral","sentiment_score":0.2939138629473746,"channel":0,"num_words":80,"start":590.19,"end":616.79},{"sentences":[{"text":"We'll also see the S and P 500 because The US is still a really good place to be invested in even though it is seeing the volatility at the moment.","start":616.93,"end":624.55,"sentiment":"neutral","sentiment_score":0.15392608003270242},{"text":"We'll still see some VanEck properties.","start":625.09,"end":626.87,"sentiment":"neutral","sentiment_score":0.2169750134150187},{"text":"The property is a great asset for diversification.","start":626.93,"end":629.725,"sentiment":"positive","sentiment_score":0.5561375990509987},{"text":"You'll see some Rafi 200 there, so giving you exposure to high, low, and mid stock companies on the ASX.","start":630.90497,"end":637.485,"sentiment":"neutral","sentiment_score":0.2944387264549732},{"text":"And then the beta shares a 200, so giving you access to the top 200 companies in Australia there.","start":637.865,"end":643.725,"sentiment":"neutral","sentiment_score":0.19841034475125766}],"sentiment":"neutral","sentiment_score":0.24025274325339568,"channel":0,"num_words":84,"start":616.93,"end":643.725},{"sentences":[{"text":"So it's about making sure that you are invested in a portfolio that has seen a great track record.","start":643.91003,"end":648.81,"sentiment":"neutral","sentiment_score":0.2938511481410579},{"text":"This portfolio that we're moving into is saving you investment fees.","start":649.59,"end":653.21,"sentiment":"neutral","sentiment_score":0.2862751619382338},{"text":"When we did the research to change the portfolio, you'll see in the investment table, we can actually save you $463 in investment fees for the year.","start":653.51,"end":664.105,"sentiment":"neutral","sentiment_score":0.2840302172634337},{"text":"So you'll be paying $463 less in investment fees out of your super fund, which means more money stays there invested for you.","start":664.105,"end":671.705,"sentiment":"positive","sentiment_score":0.37923166091027466},{"text":"Okay?","start":671.705,"end":672.205,"sentiment":"neutral","sentiment_score":0.10949814319610596}],"sentiment":"neutral","sentiment_score":0.31151655316352844,"channel":0,"num_words":81,"start":643.91003,"end":672.205},{"sentences":[{"text":"Yeah.","start":672.86005,"end":673.36005,"sentiment":"neutral","sentiment_score":0.07536809146404266}],"sentiment":"neutral","sentiment_score":0.07536809146404266,"channel":1,"num_words":1,"start":672.86005,"end":673.36005},{"sentences":[{"text":"With your","start":673.74,"end":674.54,"sentiment":"neutral","sentiment_score":0.03865058720111847}],"sentiment":"neutral","sentiment_score":0.03865058720111847,"channel":0,"num_words":2,"start":673.74,"end":674.54},{"sentences":[{"text":"Yeah.","start":674.30005,"end":674.62006,"sentiment":"neutral","sentiment_score":0.0365125834941864}],"sentiment":"neutral","sentiment_score":0.0365125834941864,"channel":1,"num_words":1,"start":674.30005,"end":674.62006},{"sentences":[{"text":"bus","start":674.54,"end":674.94,"sentiment":"neutral","sentiment_score":0.006681432016193867}],"sentiment":"neutral","sentiment_score":0.006681432016193867,"channel":0,"num_words":1,"start":674.54,"end":674.94},{"sentences":[{"text":"I","start":674.62006,"end":675.12006,"sentiment":"neutral","sentiment_score":-0.0005308855324983597}],"sentiment":"neutral","sentiment_score":-0.0005308855324983597,"channel":1,"num_words":1,"start":674.62006,"end":675.12006},{"sentences":[{"text":"queue sorry.","start":674.94,"end":675.89996,"sentiment":"neutral","sentiment_score":-8.321367204189301e-7},{"text":"You're","start":675.89996,"end":676.06,"sentiment":"neutral","sentiment_score":0.0004880980995949358}],"sentiment":"neutral","sentiment_score":0.00016214460871803263,"channel":0,"num_words":3,"start":674.94,"end":676.06},{"sentences":[{"text":"was","start":675.98004,"end":676.30005,"sentiment":"neutral","sentiment_score":-0.005259746685624123}],"sentiment":"neutral","sentiment_score":-0.005259746685624123,"channel":1,"num_words":1,"start":675.98004,"end":676.30005},{"sentences":[{"text":"right?","start":676.06,"end":676.56,"sentiment":"neutral","sentiment_score":0.01944234035909176}],"sentiment":"neutral","sentiment_score":0.01944234035909176,"channel":0,"num_words":1,"start":676.06,"end":676.56},{"sentences":[{"text":"I was gonna say, because I've been working in the Air Peninsula and down at Moala, and they they just found the biggest uranium deposit in the world down in Moala.","start":676.30005,"end":688.28503,"sentiment":"neutral","sentiment_score":0.03543559750241618}],"sentiment":"neutral","sentiment_score":0.03543559750241618,"channel":1,"num_words":31,"start":676.30005,"end":688.28503},{"sentences":[{"text":"Yeah.","start":687.835,"end":688.235,"sentiment":"neutral","sentiment_score":0.02397875674068928},{"text":"Wow.","start":688.235,"end":688.735,"sentiment":"neutral","sentiment_score":0.029477708041667935},{"text":"That's insane,","start":689.115,"end":690.015,"sentiment":"neutral","sentiment_score":-0.01356138801202178}],"sentiment":"neutral","sentiment_score":0.006583422189578414,"channel":0,"num_words":4,"start":687.835,"end":690.015},{"sentences":[{"text":"Yeah.","start":689.865,"end":690.365,"sentiment":"neutral","sentiment_score":-0.028219712898135185}],"sentiment":"neutral","sentiment_score":-0.028219712898135185,"channel":1,"num_words":1,"start":689.865,"end":690.365},{"sentences":[{"text":"isn't it?","start":690.15497,"end":690.895,"sentiment":"neutral","sentiment_score":-0.019544054754078388},{"text":"That's crazy.","start":690.955,"end":691.77496,"sentiment":"neutral","sentiment_score":-0.04992050118744373}],"sentiment":"neutral","sentiment_score":-0.03473227797076106,"channel":0,"num_words":4,"start":690.15497,"end":691.77496},{"sentences":[{"text":"Yeah.","start":691.385,"end":691.885,"sentiment":"neutral","sentiment_score":0.011145620606839657},{"text":"They had","start":692.425,"end":692.97,"sentiment":"neutral","sentiment_score":0.009038316551595926}],"sentiment":"neutral","sentiment_score":0.00974075123667717,"channel":1,"num_words":3,"start":691.385,"end":692.97},{"sentences":[{"text":"Wow.","start":692.71497,"end":693.21497,"sentiment":"neutral","sentiment_score":0.018606066703796387}],"sentiment":"neutral","sentiment_score":0.018606066703796387,"channel":0,"num_words":1,"start":692.71497,"end":693.21497},{"sentences":[{"text":"they had they got 50 they had 50 geos drilling in Moala.","start":693.05,"end":696.67,"sentiment":"neutral","sentiment_score":0.02740970967958371}],"sentiment":"neutral","sentiment_score":0.02740970967958371,"channel":1,"num_words":12,"start":693.05,"end":696.67},{"sentences":[{"text":"Yeah.","start":697.53,"end":697.85004,"sentiment":"neutral","sentiment_score":0.07369344681501389},{"text":"Wow.","start":697.85004,"end":698.35004,"sentiment":"neutral","sentiment_score":0.1590307056903839}],"sentiment":"neutral","sentiment_score":0.1163620762526989,"channel":0,"num_words":2,"start":697.53,"end":698.35004},{"sentences":[{"text":"Yeah.","start":699.05,"end":699.55,"sentiment":"neutral","sentiment_score":0.2247503697872162}],"sentiment":"neutral","sentiment_score":0.2247503697872162,"channel":1,"num_words":1,"start":699.05,"end":699.55},{"sentences":[{"text":"That is pretty cool.","start":699.85004,"end":701.05,"sentiment":"positive","sentiment_score":0.46629637479782104},{"text":"That is pretty cool.","start":701.05,"end":702.35004,"sentiment":"positive","sentiment_score":0.42760447412729263}],"sentiment":"positive","sentiment_score":0.44695042446255684,"channel":0,"num_words":8,"start":699.85004,"end":702.35004},{"sentences":[{"text":"That's that's a that's a good investment that is.","start":702.88995,"end":705.165,"sentiment":"positive","sentiment_score":0.8031154010030959}],"sentiment":"positive","sentiment_score":0.8031154010030959,"channel":1,"num_words":9,"start":702.88995,"end":705.165},{"sentences":[{"text":"Yeah.","start":706.09,"end":706.57,"sentiment":"positive","sentiment_score":0.4597949981689453},{"text":"Absolutely.","start":706.57,"end":707.07,"sentiment":"positive","sentiment_score":0.5902490615844727},{"text":"Absolutely.","start":707.77,"end":708.27,"sentiment":"positive","sentiment_score":0.481067419052124},{"text":"We'll also just not make any changes to your Basque.","start":709.565,"end":712.28503,"sentiment":"neutral","sentiment_score":0.07772502060979605},{"text":"You're in a high growth portfolio in Basque.","start":712.28503,"end":714.465,"sentiment":"positive","sentiment_score":0.3566773645579815}],"sentiment":"neutral","sentiment_score":0.2457990762555883,"channel":0,"num_words":21,"start":706.09,"end":714.465},{"sentences":[{"text":"There's no need to change the investments within there by leaving 10,000 in there.","start":714.605,"end":719.165,"sentiment":"neutral","sentiment_score":0.19354200629251345},{"text":"And looking at the aligned asset allocation between the two funds, it still works within the portfolio you're after and gives you the asset allocation in line with your risk tolerance.","start":719.165,"end":728.12,"sentiment":"positive","sentiment_score":0.35720087395560357},{"text":"Okay?","start":728.42,"end":728.92,"sentiment":"neutral","sentiment_score":0.20689214766025543},{"text":"The other really good thing to note is that the difference in the performance.","start":730.34,"end":733.4,"sentiment":"positive","sentiment_score":0.46869488273348126},{"text":"So by making those changes to your to your investment profiles within your super fund and altering, you know, re switching the underlying investments that haven't been performing very well and rebalancing your portfolio.","start":733.54,"end":746.575,"sentiment":"positive","sentiment_score":0.39405230476575737}],"sentiment":"positive","sentiment_score":0.3611618515817409,"channel":0,"num_words":94,"start":714.605,"end":746.575},{"sentences":[{"text":"The newer portfolio has actually seen a greater average return over the past three to five years than your current portfolio has.","start":746.95496,"end":753.915,"sentiment":"positive","sentiment_score":0.6022777733477679},{"text":"So if the market performs the way it has moving forward, then we can definitely see you in a greater position by making these changes as well as lowering the investment fees, which is important as well.","start":753.915,"end":764.88,"sentiment":"positive","sentiment_score":0.6105226910597569},{"text":"Okay?","start":764.88,"end":765.38,"sentiment":"neutral","sentiment_score":0.25107598304748535}],"sentiment":"positive","sentiment_score":0.6015087760984897,"channel":0,"num_words":60,"start":746.95496,"end":765.38},{"sentences":[{"text":"Yep.","start":766.425,"end":766.925,"sentiment":"positive","sentiment_score":0.3569919466972351}],"sentiment":"positive","sentiment_score":0.3569919466972351,"channel":1,"num_words":1,"start":766.425,"end":766.925},{"sentences":[{"text":"Beautiful.","start":767.61505,"end":768.11505,"sentiment":"positive","sentiment_score":0.6485691666603088},{"text":"I've also made a recommendation that with your beneficiary nominations, with your hub twenty four, that we do add a binding, non lapsing beneficiary nomination onto your spouse.","start":768.895,"end":778.8,"sentiment":"neutral","sentiment_score":0.3207980442259993},{"text":"This essentially means that you've found the trustee to follow your direction, and non lapsing means you only have to fill the form out once, which is positive.","start":779.2,"end":786.33997,"sentiment":"neutral","sentiment_score":0.2811063357761928},{"text":"At the moment, we don't have any beneficiary nominations applied.","start":787.04,"end":790.16,"sentiment":"neutral","sentiment_score":-0.054827522858977316},{"text":"So if in the event you would have passed away, your super fund has to go through a bit of a probate process.","start":790.16,"end":795.875,"sentiment":"neutral","sentiment_score":-0.044106659195993256}],"sentiment":"neutral","sentiment_score":0.17710181574026743,"channel":0,"num_words":90,"start":767.61505,"end":795.875},{"sentences":[{"text":"So having the beneficiary nominations in place are really there for to protect you and your family.","start":795.935,"end":802.115,"sentiment":"positive","sentiment_score":0.36860424455474405},{"text":"So if anything did happen to you, your partner can then come back and claim the funds, and it's a much easier process.","start":802.175,"end":808.5,"sentiment":"positive","sentiment_score":0.34572774042253906},{"text":"Everything gets handed to her to continue looking after your family.","start":808.56,"end":811.54004,"sentiment":"positive","sentiment_score":0.3548985150727359},{"text":"With bus queue, they don't allow a binding, non lapsing option.","start":812.56,"end":815.52,"sentiment":"neutral","sentiment_score":-0.1281411044976928},{"text":"They have a binding lapsing, which means it has to be updated every three years.","start":815.52,"end":819.22003,"sentiment":"neutral","sentiment_score":-0.03248003373543421}],"sentiment":"neutral","sentiment_score":0.2107161194473118,"channel":0,"num_words":77,"start":795.935,"end":819.22003},{"sentences":[{"text":"We will help and organize to make sure the nomination is set up and completed correctly, and then we will keep a record on file of exactly when that nomination lapses so we can help you to have it refilled out every couple of years.","start":819.46497,"end":832.44495,"sentiment":"neutral","sentiment_score":0.2929748604695002},{"text":"Okay?","start":832.505,"end":833.005,"sentiment":"neutral","sentiment_score":0.14175006747245789}],"sentiment":"neutral","sentiment_score":0.28968736496956454,"channel":0,"num_words":46,"start":819.46497,"end":833.005},{"sentences":[{"text":"Yes.","start":833.795,"end":834.295,"sentiment":"neutral","sentiment_score":0.20296427607536316}],"sentiment":"neutral","sentiment_score":0.20296427607536316,"channel":1,"num_words":1,"start":833.795,"end":834.295},{"sentences":[{"text":"It's also really important we do kind of go through and make sure that you do also set up a will and power of attorney.","start":834.71,"end":840.01,"sentiment":"neutral","sentiment_score":0.273990216255188},{"text":"I have made a recommendation in here that if you haven't got a solicitor that we can certainly refer you through to one, And that just setting up a will and power of attorney is really important for all the other assets you have, your cars, your savings, and things like that.","start":840.47,"end":853.08496,"sentiment":"neutral","sentiment_score":0.31005527165073615},{"text":"So your sleepers and in life insurance is covered by the beneficiary nominations, but everything else needs to be done through the estate planning and having a will.","start":853.08496,"end":861.91,"sentiment":"neutral","sentiment_score":0.26548258694154875},{"text":"And a power of attorney is really important as well because if you weren't able to make medical or financial decisions for yourself, having someone nominated that you trust and that knows what your wishes are to act on your behalf is really important as well.","start":861.91,"end":875.825,"sentiment":"neutral","sentiment_score":0.2690222235801427},{"text":"Okay?","start":876.045,"end":876.545,"sentiment":"neutral","sentiment_score":0.11532901227474213}],"sentiment":"neutral","sentiment_score":0.28221377147067533,"channel":0,"num_words":152,"start":834.71,"end":876.545},{"sentences":[{"text":"Yeah.","start":878.66504,"end":879.16504,"sentiment":"neutral","sentiment_score":0.13894692063331604}],"sentiment":"neutral","sentiment_score":0.13894692063331604,"channel":1,"num_words":1,"start":878.66504,"end":879.16504},{"sentences":[{"text":"Oh, good.","start":879.565,"end":880.385,"sentiment":"neutral","sentiment_score":0.2968134582042694},{"text":"Look.","start":880.765,"end":881.085,"sentiment":"neutral","sentiment_score":0.31072384119033813},{"text":"That is basically all I kind of needed to go through with you.","start":881.085,"end":884.385,"sentiment":"neutral","sentiment_score":0.22744686557696417},{"text":"It is a lot, and I do apologize.","start":884.445,"end":886.145,"sentiment":"neutral","sentiment_score":-0.0405689962208271},{"text":"I do have sent the email to you.","start":886.77,"end":888.45,"sentiment":"neutral","sentiment_score":0.03690479043871164}],"sentiment":"neutral","sentiment_score":0.11974519887007773,"channel":0,"num_words":32,"start":879.565,"end":888.45},{"sentences":[{"text":"So have a read through the document, have a look at the changes that we are making there.","start":888.45,"end":892.15,"sentiment":"neutral","sentiment_score":0.08860226844747861},{"text":"It's really important.","start":892.45,"end":893.17004,"sentiment":"neutral","sentiment_score":0.10754529138406117},{"text":"Benelung has been underperforming, so we do wanna get that out of your out of your super funds really quickly.","start":893.17004,"end":898.47003,"sentiment":"neutral","sentiment_score":-0.12115489318966866},{"text":"So if you can have a look through that one and sign it and return it back to me, I can have the changes made in your portfolio ASAP.","start":899.055,"end":907.315,"sentiment":"neutral","sentiment_score":0.20738606411835242},{"text":"The only","start":908.175,"end":908.575,"sentiment":"neutral","sentiment_score":0.02319612167775631}],"sentiment":"neutral","sentiment_score":0.07715231868334943,"channel":0,"num_words":72,"start":888.45,"end":908.575},{"sentences":[{"text":"Yes.","start":908.49,"end":908.715,"sentiment":"neutral","sentiment_score":0.08717320114374161}],"sentiment":"neutral","sentiment_score":0.08717320114374161,"channel":1,"num_words":1,"start":908.49,"end":908.715},{"sentences":[{"text":"other thing I probably forgot to make mention of was the CGT.","start":908.575,"end":911.795,"sentiment":"neutral","sentiment_score":0.012975466127196947},{"text":"So by making these changes, we did check the capital gains consequences, and it looks like there's absolutely none.","start":912.09503,"end":918.09,"sentiment":"neutral","sentiment_score":0.05067690858911527},{"text":"So because Benelon has been underperforming, it offsets any capital gains that would be made by altering the rest of your portfolio.","start":918.09,"end":926.58496,"sentiment":"neutral","sentiment_score":0.1026795556218448},{"text":"So there's no CGT consequences there for your fund, which is a positive sign for yourself.","start":926.64496,"end":931.305,"sentiment":"positive","sentiment_score":0.39825743343681097},{"text":"And sorry.","start":932.725,"end":934.185,"sentiment":"neutral","sentiment_score":0.07129586860537529}],"sentiment":"neutral","sentiment_score":0.13932715144506852,"channel":0,"num_words":71,"start":908.575,"end":934.185},{"sentences":[{"text":"One more thing.","start":934.40497,"end":935.385,"sentiment":"neutral","sentiment_score":0.07040680448214214},{"text":"And, yeah, just retaining bus queue to make sure your insurances remain in place until you need to alter or change those moving forward.","start":935.845,"end":942.25995,"sentiment":"neutral","sentiment_score":0.11543617288892467},{"text":"We still keep any reviews and wanna make sure we do catch ups with you to make sure you stay on track in meeting your goals, and that we're working forward and altering this advice regularly with you as well.","start":942.63995,"end":952.74,"sentiment":"positive","sentiment_score":0.4878384545445442},{"text":"There's no implementation or upfront fees for the advice we do provide.","start":953.715,"end":957.875,"sentiment":"positive","sentiment_score":0.35199666519959766},{"text":"It is all part of you being an ongoing service client, so you pay an ongoing service fee for our services for having us look after everything for you.","start":957.875,"end":965.175,"sentiment":"positive","sentiment_score":0.4764797194250699}],"sentiment":"positive","sentiment_score":0.375343505465598,"channel":0,"num_words":108,"start":934.40497,"end":965.175},{"sentences":[{"text":"And so it means that we provide all this advice for you.","start":965.555,"end":968.64,"sentiment":"positive","sentiment_score":0.5013953894376755},{"text":"Basically, complimentary.","start":969.2,"end":970.26,"sentiment":"positive","sentiment_score":0.4858427941799164},{"text":"It's all part of the service that we provide in trying to keep you on track.","start":970.4,"end":973.62,"sentiment":"positive","sentiment_score":0.5034477766603231},{"text":"Okay?","start":973.68,"end":974.18,"sentiment":"neutral","sentiment_score":0.30354803800582886}],"sentiment":"positive","sentiment_score":0.4950691201994496,"channel":0,"num_words":31,"start":965.555,"end":974.18},{"sentences":[{"text":"Yeah.","start":975.01,"end":975.51,"sentiment":"positive","sentiment_score":0.3944493532180786}],"sentiment":"positive","sentiment_score":0.3944493532180786,"channel":1,"num_words":1,"start":975.01,"end":975.51},{"sentences":[{"text":"Easy.","start":976.16003,"end":976.66003,"sentiment":"positive","sentiment_score":0.3401579260826111}],"sentiment":"positive","sentiment_score":0.3401579260826111,"channel":0,"num_words":1,"start":976.16003,"end":976.66003},{"sentences":[{"text":"And I I I was the other thing I was gonna bring up,","start":976.45,"end":978.95,"sentiment":"neutral","sentiment_score":0.008498839962367829}],"sentiment":"neutral","sentiment_score":0.008498839962367829,"channel":1,"num_words":13,"start":976.45,"end":978.95},{"sentences":[{"text":"Yeah.","start":979.44,"end":979.94,"sentiment":"neutral","sentiment_score":0.017096977680921555}],"sentiment":"neutral","sentiment_score":0.017096977680921555,"channel":0,"num_words":1,"start":979.44,"end":979.94},{"sentences":[{"text":"I wanted I wanna claim I wanted to claim something so I can get veneers.","start":979.89,"end":983.59,"sentiment":"neutral","sentiment_score":0.0061929593483606975}],"sentiment":"neutral","sentiment_score":0.0061929593483606975,"channel":1,"num_words":15,"start":979.89,"end":983.59},{"sentences":[{"text":"Okay.","start":984.575,"end":985.05505,"sentiment":"neutral","sentiment_score":0.04462064802646637},{"text":"Yeah.","start":985.05505,"end":985.375,"sentiment":"neutral","sentiment_score":0.04206284508109093},{"text":"Yeah.","start":985.375,"end":985.61505,"sentiment":"neutral","sentiment_score":0.04709983617067337},{"text":"So you wanna do compassionate grounds?","start":985.61505,"end":987.47504,"sentiment":"neutral","sentiment_score":0.07781986147165298}],"sentiment":"neutral","sentiment_score":0.0667447220120165,"channel":0,"num_words":9,"start":984.575,"end":987.47504},{"sentences":[{"text":"But","start":987.595,"end":987.675,"sentiment":"neutral","sentiment_score":0.001225452870130539}],"sentiment":"neutral","sentiment_score":0.001225452870130539,"channel":1,"num_words":1,"start":987.595,"end":987.675},{"sentences":[{"text":"Yeah.","start":987.61505,"end":988.11505,"sentiment":"neutral","sentiment_score":-0.029255781322717667}],"sentiment":"neutral","sentiment_score":-0.029255781322717667,"channel":0,"num_words":1,"start":987.61505,"end":988.11505},{"sentences":[{"text":"yeah.","start":987.83496,"end":988.235,"sentiment":"neutral","sentiment_score":-0.061305783689022064},{"text":"Because I broke","start":988.235,"end":988.95496,"sentiment":"neutral","sentiment_score":-0.23964159190654755}],"sentiment":"neutral","sentiment_score":-0.19505763985216618,"channel":1,"num_words":4,"start":987.83496,"end":988.95496},{"sentences":[{"text":"Yeah.","start":988.895,"end":989.395,"sentiment":"neutral","sentiment_score":-0.2058359682559967}],"sentiment":"neutral","sentiment_score":-0.2058359682559967,"channel":0,"num_words":1,"start":988.895,"end":989.395},{"sentences":[{"text":"my tooth and","start":988.95496,"end":989.855,"sentiment":"neutral","sentiment_score":-0.2566479444503784}],"sentiment":"neutral","sentiment_score":-0.2566479444503784,"channel":1,"num_words":3,"start":988.95496,"end":989.855},{"sentences":[{"text":"Oh, no.","start":990.41504,"end":991.23505,"sentiment":"neutral","sentiment_score":-0.23189900815486908}],"sentiment":"neutral","sentiment_score":-0.23189900815486908,"channel":0,"num_words":2,"start":990.41504,"end":991.23505},{"sentences":[{"text":"no.","start":991.83496,"end":992.07495,"sentiment":"neutral","sentiment_score":-0.2486569881439209},{"text":"Because it's already capped, and I broke it again","start":992.07495,"end":994.475,"sentiment":"neutral","sentiment_score":-0.25145117276244694}],"sentiment":"neutral","sentiment_score":-0.25117175430059435,"channel":1,"num_words":10,"start":991.83496,"end":994.475},{"sentences":[{"text":"Yeah.","start":994.26996,"end":994.58997,"sentiment":"neutral","sentiment_score":-0.13948458433151245}],"sentiment":"neutral","sentiment_score":-0.13948458433151245,"channel":0,"num_words":1,"start":994.26996,"end":994.58997},{"sentences":[{"text":"and","start":994.475,"end":994.975,"sentiment":"neutral","sentiment_score":-0.0889236107468605}],"sentiment":"neutral","sentiment_score":-0.0889236107468605,"channel":1,"num_words":1,"start":994.475,"end":994.975},{"sentences":[{"text":"Right.","start":994.58997,"end":995.08997,"sentiment":"neutral","sentiment_score":-0.14006462693214417}],"sentiment":"neutral","sentiment_score":-0.14006462693214417,"channel":0,"num_words":1,"start":994.58997,"end":995.08997},{"sentences":[{"text":"run out of tooth.","start":995.035,"end":996.095,"sentiment":"neutral","sentiment_score":-0.21066945791244507},{"text":"And","start":996.39496,"end":996.71497,"sentiment":"neutral","sentiment_score":-0.13013970851898193}],"sentiment":"neutral","sentiment_score":-0.19456350803375244,"channel":1,"num_words":5,"start":995.035,"end":996.71497},{"sentences":[{"text":"Yeah.","start":996.51,"end":997.01,"sentiment":"neutral","sentiment_score":-0.14896242320537567}],"sentiment":"neutral","sentiment_score":-0.14896242320537567,"channel":0,"num_words":1,"start":996.51,"end":997.01},{"sentences":[{"text":"I've got I've got half a tooth and half half of my missing teeth and","start":996.71497,"end":1002.55,"sentiment":"neutral","sentiment_score":-0.18311157077550888}],"sentiment":"neutral","sentiment_score":-0.18311157077550888,"channel":1,"num_words":15,"start":996.71497,"end":1002.55},{"sentences":[{"text":"Yeah.","start":1002.43,"end":1002.67,"sentiment":"neutral","sentiment_score":-0.10195659846067429},{"text":"Yeah.","start":1002.67,"end":1003.17,"sentiment":"neutral","sentiment_score":-0.12906289100646973}],"sentiment":"neutral","sentiment_score":-0.115509744733572,"channel":0,"num_words":2,"start":1002.43,"end":1003.17},{"sentences":[{"text":"yeah.","start":1002.69,"end":1002.93,"sentiment":"neutral","sentiment_score":-0.1747417449951172},{"text":"I need to get it fixed.","start":1002.93,"end":1003.97003,"sentiment":"neutral","sentiment_score":-0.2757549583911896},{"text":"But I wanna get I wanna go.","start":1003.97003,"end":1005.59,"sentiment":"neutral","sentiment_score":-0.07411092253667968}],"sentiment":"neutral","sentiment_score":-0.16771771093564375,"channel":1,"num_words":14,"start":1002.69,"end":1005.59},{"sentences":[{"text":"Yeah.","start":1006.515,"end":1006.835,"sentiment":"neutral","sentiment_score":-0.044792622327804565},{"text":"No.","start":1006.835,"end":1007.075,"sentiment":"neutral","sentiment_score":-0.11169873923063278},{"text":"Fair enough.","start":1007.075,"end":1007.795,"sentiment":"neutral","sentiment_score":-0.023314334452152252},{"text":"So you absolutely can.","start":1007.795,"end":1008.755,"sentiment":"neutral","sentiment_score":0.17474061995744705},{"text":"Have you spoken to a dentist and gotten a quote on how much it's gonna cost you?","start":1008.755,"end":1013.095,"sentiment":"neutral","sentiment_score":0.06373182728010066}],"sentiment":"neutral","sentiment_score":0.0631713405251503,"channel":0,"num_words":25,"start":1006.515,"end":1013.095},{"sentences":[{"text":"I've looked them up.","start":1015.265,"end":1016.405,"sentiment":"neutral","sentiment_score":0.005510399583727121}],"sentiment":"neutral","sentiment_score":0.005510399583727121,"channel":1,"num_words":4,"start":1015.265,"end":1016.405},{"sentences":[{"text":"Yeah.","start":1016.835,"end":1017.335,"sentiment":"neutral","sentiment_score":0.11924517154693604},{"text":"That's okay.","start":1018.89,"end":1019.63,"sentiment":"neutral","sentiment_score":0.20177601277828217},{"text":"What I'll get you to do is in order to to do pack Compassionate Grounds, you essentially need to be able to get a quote on how much it's gonna cost to have the work done.","start":1020.01,"end":1027.9501,"sentiment":"neutral","sentiment_score":0.19399007823732164},{"text":"So contact dentists and find out how much it's gonna be, get them to print you out a quote, and then you just apply for Compassionate grounds through your myGov account.","start":1028.25,"end":1035.9249,"sentiment":"neutral","sentiment_score":0.16413145560410716},{"text":"It goes direct to the ATO.","start":1036.3049,"end":1037.765,"sentiment":"neutral","sentiment_score":0.10383781666556995}],"sentiment":"neutral","sentiment_score":0.1739150268074713,"channel":0,"num_words":76,"start":1016.835,"end":1037.765},{"sentences":[{"text":"They're just wanting to make sure and confirm that you can't pay for this any other way.","start":1037.905,"end":1041.765,"sentiment":"neutral","sentiment_score":-0.041467574589392715},{"text":"And as long as you've got the evidence of how much it's gonna cost, they'll look at the the eligibility for you and haven't seen a lot of them unapproved not approved.","start":1042.3049,"end":1052.7,"sentiment":"neutral","sentiment_score":-0.04704621038399637},{"text":"But","start":1053.24,"end":1053.48,"sentiment":"neutral","sentiment_score":-0.005989372730255127}],"sentiment":"neutral","sentiment_score":-0.044328337460756304,"channel":0,"num_words":50,"start":1037.905,"end":1053.48},{"sentences":[{"text":"Yeah.","start":1053.405,"end":1053.9,"sentiment":"neutral","sentiment_score":-0.03918642923235893}],"sentiment":"neutral","sentiment_score":-0.03918642923235893,"channel":1,"num_words":1,"start":1053.405,"end":1053.9},{"sentences":[{"text":"they'll just want the quote to show how much it's gonna cost that you, you know, you're telling them you can't to the pay if there's any other way, and the ATO made the decision.","start":1053.48,"end":1060.8251,"sentiment":"neutral","sentiment_score":-0.017271983197757176},{"text":"They if they approve the claim, we'll let your super fund know, and your super fund will let us know, and then we'll be able to make sure we help you with the withdrawal out.","start":1061.6051,"end":1070.505,"sentiment":"positive","sentiment_score":0.42011273290429796},{"text":"Because you are under because you are under the age of 60, your super fund can and does withhold tax","start":1071.045,"end":1078.87,"sentiment":"neutral","sentiment_score":-0.1152871459722519}],"sentiment":"neutral","sentiment_score":0.1310409257809321,"channel":0,"num_words":90,"start":1053.48,"end":1078.87},{"sentences":[{"text":"I","start":1079.4,"end":1079.88,"sentiment":"neutral","sentiment_score":-0.2262612283229828}],"sentiment":"neutral","sentiment_score":-0.2262612283229828,"channel":1,"num_words":1,"start":1079.4,"end":1079.88},{"sentences":[{"text":"for","start":1079.65,"end":1079.89,"sentiment":"neutral","sentiment_score":-0.17402556538581848}],"sentiment":"neutral","sentiment_score":-0.17402556538581848,"channel":0,"num_words":1,"start":1079.65,"end":1079.89},{"sentences":[{"text":"think","start":1079.88,"end":1080.38,"sentiment":"neutral","sentiment_score":-0.18043044209480288}],"sentiment":"neutral","sentiment_score":-0.18043044209480288,"channel":1,"num_words":1,"start":1079.88,"end":1080.38},{"sentences":[{"text":"the withdrawal because there is technically, the amount pulled out of super is considered part of your assessable income.","start":1079.89,"end":1085.97,"sentiment":"neutral","sentiment_score":-0.13842253367367544},{"text":"It's added to your assessable income, but your tax sorry.","start":1085.97,"end":1089.6749,"sentiment":"neutral","sentiment_score":-0.13859099969267846},{"text":"You're","start":1089.6749,"end":1090.1749,"sentiment":"neutral","sentiment_score":-0.30915871262550354}],"sentiment":"neutral","sentiment_score":-0.14416989497840405,"channel":0,"num_words":30,"start":1079.89,"end":1090.1749},{"sentences":[{"text":"I think you could","start":1090.68,"end":1091.3201,"sentiment":"neutral","sentiment_score":-0.2685428857803345}],"sentiment":"neutral","sentiment_score":-0.2685428857803345,"channel":1,"num_words":4,"start":1090.68,"end":1091.3201},{"sentences":[{"text":"at","start":1091.315,"end":1091.815,"sentiment":"neutral","sentiment_score":-0.2415512651205063}],"sentiment":"neutral","sentiment_score":-0.2415512651205063,"channel":0,"num_words":1,"start":1091.315,"end":1091.815},{"sentences":[{"text":"claim it on tax.","start":1091.3201,"end":1092.285,"sentiment":"neutral","sentiment_score":-0.25797996670007706}],"sentiment":"neutral","sentiment_score":-0.25797996670007706,"channel":1,"num_words":4,"start":1091.3201,"end":1092.285},{"sentences":[{"text":"no.","start":1093.195,"end":1093.5149,"sentiment":"neutral","sentiment_score":-0.234564870595932},{"text":"You can't.","start":1093.5149,"end":1094.255,"sentiment":"neutral","sentiment_score":-0.269340842962265}],"sentiment":"neutral","sentiment_score":-0.25774885217348736,"channel":0,"num_words":3,"start":1093.195,"end":1094.255},{"sentences":[{"text":"Like, cosmetic.","start":1094.125,"end":1094.785,"sentiment":"neutral","sentiment_score":-0.17953386902809143}],"sentiment":"neutral","sentiment_score":-0.17953386902809143,"channel":1,"num_words":2,"start":1094.125,"end":1094.785},{"sentences":[{"text":"No.","start":1094.5549,"end":1094.955,"sentiment":"neutral","sentiment_score":-0.1936970055103302},{"text":"No.","start":1094.955,"end":1095.455,"sentiment":"neutral","sentiment_score":-0.20945274829864505},{"text":"No.","start":1096.075,"end":1096.575,"sentiment":"neutral","sentiment_score":-0.19417759776115415},{"text":"The the amount you withdraw out of your super fund on the compassionate grounds is added to your assessable income.","start":1097.355,"end":1103.375,"sentiment":"neutral","sentiment_score":-0.05506699401885271}],"sentiment":"neutral","sentiment_score":-0.0738550970411819,"channel":0,"num_words":23,"start":1094.5549,"end":1103.375},{"sentences":[{"text":"Yeah.","start":1104.045,"end":1104.3,"sentiment":"neutral","sentiment_score":-0.06879863142967224}],"sentiment":"neutral","sentiment_score":-0.06879863142967224,"channel":1,"num_words":1,"start":1104.045,"end":1104.3},{"sentences":[{"text":"But the super fund withholds a certain amount of tax, so it's part of your assessable income, but it's not your assessable taxable income.","start":1104.05,"end":1111.4299,"sentiment":"neutral","sentiment_score":-0.21119714078182975},{"text":"It's a little bit confusing the way they do it.","start":1111.65,"end":1113.73,"sentiment":"negative","sentiment_score":-0.49363904297351835},{"text":"The super fund works out or the ACO and the super fund work out essentially how much tax should be paid on that, and they try to withhold the amount required.","start":1113.73,"end":1122.485,"sentiment":"neutral","sentiment_score":-0.15167672860045586},{"text":"And then if there's any additional adjustments to tax time, then that can be made.","start":1123.265,"end":1127.6849,"sentiment":"neutral","sentiment_score":-0.1045072058836619},{"text":"But they normally hold up with the up to 22%, so they do hold a larger amount of tax.","start":1128.065,"end":1132.92,"sentiment":"neutral","sentiment_score":-0.2344629521432676}],"sentiment":"neutral","sentiment_score":-0.20938893509182063,"channel":0,"num_words":99,"start":1104.05,"end":1132.92},{"sentences":[{"text":"And you still get the amount you need.","start":1133.64,"end":1135.64,"sentiment":"neutral","sentiment_score":-0.007715768180787563},{"text":"They work out how much you need, the tax on top of that, so you can still draw down the amount you need to have the work done.","start":1135.64,"end":1142.4401,"sentiment":"neutral","sentiment_score":0.005263815234814372},{"text":"Does that make sense?","start":1142.4401,"end":1143.5801,"sentiment":"neutral","sentiment_score":0.045272499322891235}],"sentiment":"neutral","sentiment_score":0.006668766960501671,"channel":0,"num_words":40,"start":1133.64,"end":1143.5801},{"sentences":[{"text":"Yes.","start":1143.465,"end":1143.965,"sentiment":"neutral","sentiment_score":0.07342185080051422}],"sentiment":"neutral","sentiment_score":0.07342185080051422,"channel":1,"num_words":1,"start":1143.465,"end":1143.965},{"sentences":[{"text":"Yeah.","start":1145.415,"end":1145.915,"sentiment":"neutral","sentiment_score":0.03671349585056305},{"text":"It's a little bit confusing.","start":1146.6151,"end":1147.915,"sentiment":"neutral","sentiment_score":-0.1782437577843666},{"text":"But, essentially, all you need to do first is go and see your dentist, get them to do you up a quote to show how much it's gonna cost to get the work done, and then go into your myGov account, and you'll apply for Compassionate Grounds through your myGov account.","start":1148.4551,"end":1161.26,"sentiment":"neutral","sentiment_score":0.13620615765160204},{"text":"And then from there, the ACO will assess it for you.","start":1161.4801,"end":1164.68,"sentiment":"neutral","sentiment_score":0.09576318683949384},{"text":"They'll let the Superfund know when they approve it, and the Superfund will contact us because we look after it for you, and we'll help you with the withdrawal.","start":1164.68,"end":1173.3401,"sentiment":"neutral","sentiment_score":0.20291836251472606}],"sentiment":"neutral","sentiment_score":0.13433027129197858,"channel":0,"num_words":97,"start":1145.415,"end":1173.3401},{"sentences":[{"text":"Okay?","start":1173.7201,"end":1174.2201,"sentiment":"neutral","sentiment_score":0.12681300938129425}],"sentiment":"neutral","sentiment_score":0.12681300938129425,"channel":0,"num_words":1,"start":1173.7201,"end":1174.2201},{"sentences":[{"text":"Yes.","start":1174.2,"end":1174.425,"sentiment":"neutral","sentiment_score":0.17240676283836365},{"text":"Alrighty.","start":1174.905,"end":1175.405,"sentiment":"neutral","sentiment_score":0.2403973639011383}],"sentiment":"neutral","sentiment_score":0.20640206336975098,"channel":1,"num_words":2,"start":1174.2,"end":1175.405},{"sentences":[{"text":"Yeah.","start":1175.2251,"end":1175.7251,"sentiment":"neutral","sentiment_score":0.23731234669685364},{"text":"Oh, good.","start":1178.185,"end":1178.905,"sentiment":"positive","sentiment_score":0.40798069536685944},{"text":"Did you have any other questions?","start":1178.905,"end":1180.505,"sentiment":"neutral","sentiment_score":0.16364654153585434},{"text":"I know it's a lot to kinda go through when you're not looking at the advice document.","start":1180.505,"end":1184.525,"sentiment":"neutral","sentiment_score":-0.03573658733683474},{"text":"But when you've got some time, if you can open up your email, sit down, have a really good look at that one for me.","start":1185.0651,"end":1189.64,"sentiment":"neutral","sentiment_score":0.27227804154157637}],"sentiment":"neutral","sentiment_score":0.16146239295017487,"channel":0,"num_words":51,"start":1175.2251,"end":1189.64},{"sentences":[{"text":"Let me know if there is any questions in relation to any of it, and if you're just happy to go ahead and make those changes, I'll just get you to, sign it and send it back to me.","start":1189.64,"end":1199.42,"sentiment":"neutral","sentiment_score":0.26884943896379226},{"text":"Okay?","start":1199.48,"end":1199.98,"sentiment":"neutral","sentiment_score":0.15269115567207336}],"sentiment":"neutral","sentiment_score":0.2659454818814993,"channel":0,"num_words":40,"start":1189.64,"end":1199.98},{"sentences":[{"text":"Okay.","start":1200.6,"end":1200.945,"sentiment":"neutral","sentiment_score":0.19724896550178528}],"sentiment":"neutral","sentiment_score":0.19724896550178528,"channel":1,"num_words":1,"start":1200.6,"end":1200.945},{"sentences":[{"text":"Easy.","start":1201.875,"end":1202.2749,"sentiment":"neutral","sentiment_score":0.1874217987060547},{"text":"Do you have any questions at the moment at all, Jesse?","start":1202.2749,"end":1204.615,"sentiment":"neutral","sentiment_score":0.051899208263917404}],"sentiment":"neutral","sentiment_score":0.06319275746742885,"channel":0,"num_words":12,"start":1201.875,"end":1204.615},{"sentences":[{"text":"Does she know how much the power of attorney?","start":1205.505,"end":1207.605,"sentiment":"neutral","sentiment_score":0.0022969526342219776},{"text":"Oh, missus wants to know how much the cost for a power","start":1208.225,"end":1212.465,"sentiment":"neutral","sentiment_score":0.004847125926365455}],"sentiment":"neutral","sentiment_score":0.0037541945154468217,"channel":1,"num_words":21,"start":1205.505,"end":1212.465},{"sentences":[{"text":"For","start":1212.45,"end":1212.61,"sentiment":"neutral","sentiment_score":0.00728980265557766}],"sentiment":"neutral","sentiment_score":0.00728980265557766,"channel":0,"num_words":1,"start":1212.45,"end":1212.61},{"sentences":[{"text":"of","start":1212.465,"end":1212.625,"sentiment":"neutral","sentiment_score":0.005428249016404152}],"sentiment":"neutral","sentiment_score":0.005428249016404152,"channel":1,"num_words":1,"start":1212.465,"end":1212.625},{"sentences":[{"text":"power","start":1212.61,"end":1212.73,"sentiment":"neutral","sentiment_score":0.014960478991270064}],"sentiment":"neutral","sentiment_score":0.014960478991270064,"channel":0,"num_words":1,"start":1212.61,"end":1212.73},{"sentences":[{"text":"attorney","start":1212.625,"end":1212.96,"sentiment":"neutral","sentiment_score":0.006390901282429695}],"sentiment":"neutral","sentiment_score":0.006390901282429695,"channel":1,"num_words":1,"start":1212.625,"end":1212.96},{"sentences":[{"text":"of attorney?","start":1212.73,"end":1213.35,"sentiment":"neutral","sentiment_score":0.001233477145433426}],"sentiment":"neutral","sentiment_score":0.001233477145433426,"channel":0,"num_words":2,"start":1212.73,"end":1213.35},{"sentences":[{"text":"for","start":1212.96,"end":1213.46,"sentiment":"neutral","sentiment_score":0.007651817053556442}],"sentiment":"neutral","sentiment_score":0.007651817053556442,"channel":1,"num_words":1,"start":1212.96,"end":1213.46},{"sentences":[{"text":"Yeah.","start":1213.4099,"end":1213.8099,"sentiment":"neutral","sentiment_score":0.04337087273597717},{"text":"Really good question.","start":1213.8099,"end":1214.71,"sentiment":"neutral","sentiment_score":0.2004589637120565},{"text":"We do have some information on a local solicitor, so CJM.","start":1214.77,"end":1218.1499,"sentiment":"neutral","sentiment_score":0.12237467955459248},{"text":"If","start":1218.85,"end":1219.09,"sentiment":"neutral","sentiment_score":0.14695659279823303}],"sentiment":"neutral","sentiment_score":0.13361411448568106,"channel":0,"num_words":16,"start":1213.4099,"end":1219.09},{"sentences":[{"text":"you.","start":1218.9675,"end":1219.4675,"sentiment":"neutral","sentiment_score":0.10864515602588654}],"sentiment":"neutral","sentiment_score":0.10864515602588654,"channel":1,"num_words":1,"start":1218.9675,"end":1219.4675},{"sentences":[{"text":"you like, I can send that email to you after the call.","start":1219.09,"end":1222.3099,"sentiment":"neutral","sentiment_score":0.13277210853993893},{"text":"It's just it's not really an introduction.","start":1222.85,"end":1224.9299,"sentiment":"neutral","sentiment_score":0.04486549113477979},{"text":"It's more just giving you their information.","start":1224.9299,"end":1226.71,"sentiment":"neutral","sentiment_score":0.05488361684339387},{"text":"I can send the costing through what it cost to do up a will and power of attorney so you can kinda have a look at that.","start":1226.77,"end":1232.1849,"sentiment":"neutral","sentiment_score":0.09287089233597119},{"text":"Would that be okay?","start":1232.1849,"end":1233.245,"sentiment":"neutral","sentiment_score":0.0657833768054843}],"sentiment":"neutral","sentiment_score":0.08880976594069548,"channel":0,"num_words":57,"start":1219.09,"end":1233.245},{"sentences":[{"text":"Yes.","start":1233.535,"end":1234.035,"sentiment":"neutral","sentiment_score":0.009732813574373722},{"text":"What'd you say?","start":1242.75,"end":1243.39,"sentiment":"neutral","sentiment_score":-0.01930391074468692},{"text":"I'm sorry.","start":1243.39,"end":1244.05,"sentiment":"neutral","sentiment_score":-0.08140181005001068},{"text":"Hi.","start":1244.99,"end":1245.49,"sentiment":"neutral","sentiment_score":0.07212581485509872},{"text":"I'm good.","start":1246.99,"end":1247.55,"sentiment":"neutral","sentiment_score":0.16233433037996292}],"sentiment":"neutral","sentiment_score":0.020645770761701796,"channel":1,"num_words":9,"start":1233.535,"end":1247.55},{"sentences":[{"text":"How are you?","start":1247.55,"end":1248.37,"sentiment":"neutral","sentiment_score":0.17107686400413513}],"sentiment":"neutral","sentiment_score":0.17107686400413513,"channel":1,"num_words":3,"start":1247.55,"end":1248.37},{"sentences":[{"text":"Hi.","start":1248.12,"end":1248.6,"sentiment":"neutral","sentiment_score":0.1375979781150818}],"sentiment":"neutral","sentiment_score":0.1375979781150818,"channel":0,"num_words":1,"start":1248.12,"end":1248.6},{"sentences":[{"text":"Just","start":1248.43,"end":1248.91,"sentiment":"neutral","sentiment_score":0.18427953124046328}],"sentiment":"neutral","sentiment_score":0.18427953124046328,"channel":1,"num_words":1,"start":1248.43,"end":1248.91},{"sentences":[{"text":"Good.","start":1248.6,"end":1248.84,"sentiment":"neutral","sentiment_score":0.2660144567489624},{"text":"Thanks.","start":1248.84,"end":1249.16,"sentiment":"neutral","sentiment_score":0.30841362476348877}],"sentiment":"neutral","sentiment_score":0.2872140407562256,"channel":0,"num_words":2,"start":1248.6,"end":1249.16},{"sentences":[{"text":"just","start":1248.91,"end":1249.41,"sentiment":"neutral","sentiment_score":0.22278161346912384}],"sentiment":"neutral","sentiment_score":0.22278161346912384,"channel":1,"num_words":1,"start":1248.91,"end":1249.41},{"sentences":[{"text":"How are you?","start":1249.16,"end":1249.98,"sentiment":"neutral","sentiment_score":0.20536482334136963}],"sentiment":"neutral","sentiment_score":0.20536482334136963,"channel":0,"num_words":3,"start":1249.16,"end":1249.98},{"sentences":[{"text":"good.","start":1250.35,"end":1250.67,"sentiment":"neutral","sentiment_score":0.2573058009147644},{"text":"Thank you.","start":1250.67,"end":1251.49,"sentiment":"neutral","sentiment_score":0.31996721029281616},{"text":"There's free wheels on at the moment.","start":1251.55,"end":1254.5951,"sentiment":"neutral","sentiment_score":0.056363798677921295},{"text":"I don't know what they're called.","start":1254.5951,"end":1255.795,"sentiment":"neutral","sentiment_score":-0.024864484866460163},{"text":"They used to be","start":1255.795,"end":1256.3551,"sentiment":"neutral","sentiment_score":-0.016961523797363043}],"sentiment":"neutral","sentiment_score":0.053737690392881635,"channel":1,"num_words":20,"start":1250.35,"end":1256.3551},{"sentences":[{"text":"Yeah.","start":1256.295,"end":1256.795,"sentiment":"neutral","sentiment_score":-0.011714152060449123}],"sentiment":"neutral","sentiment_score":-0.011714152060449123,"channel":0,"num_words":1,"start":1256.295,"end":1256.795},{"sentences":[{"text":"called or something like that.","start":1256.3551,"end":1258.115,"sentiment":"neutral","sentiment_score":-0.02483348697423935},{"text":"So I was","start":1258.115,"end":1258.8351,"sentiment":"neutral","sentiment_score":-0.004395596062143643}],"sentiment":"neutral","sentiment_score":-0.01716927788220346,"channel":1,"num_words":8,"start":1256.3551,"end":1258.8351},{"sentences":[{"text":"Okay.","start":1258.695,"end":1259.195,"sentiment":"neutral","sentiment_score":0.01891295425593853}],"sentiment":"neutral","sentiment_score":0.01891295425593853,"channel":0,"num_words":1,"start":1258.695,"end":1259.195},{"sentences":[{"text":"I've nearly finished my wheel, and I was going to get Jesse to do his.","start":1259.0751,"end":1264.135,"sentiment":"neutral","sentiment_score":0.029514825716614724},{"text":"And","start":1264.3551,"end":1264.5951,"sentiment":"neutral","sentiment_score":0.020553473383188248}],"sentiment":"neutral","sentiment_score":0.02895474119577557,"channel":1,"num_words":16,"start":1259.0751,"end":1264.5951},{"sentences":[{"text":"Yeah.","start":1264.55,"end":1265.05,"sentiment":"neutral","sentiment_score":0.01334833074361086}],"sentiment":"neutral","sentiment_score":0.01334833074361086,"channel":0,"num_words":1,"start":1264.55,"end":1265.05},{"sentences":[{"text":"on there, it says you can add on a power of attorney for a $100.","start":1264.5951,"end":1268.65,"sentiment":"neutral","sentiment_score":0.01747968979179859},{"text":"Like,","start":1269.03,"end":1269.27,"sentiment":"neutral","sentiment_score":-0.0715150535106659}],"sentiment":"neutral","sentiment_score":0.011917518335394561,"channel":1,"num_words":16,"start":1264.5951,"end":1269.27},{"sentences":[{"text":"Yes.","start":1269.03,"end":1269.53,"sentiment":"neutral","sentiment_score":-0.026075277477502823}],"sentiment":"neutral","sentiment_score":-0.026075277477502823,"channel":0,"num_words":1,"start":1269.03,"end":1269.53},{"sentences":[{"text":"we've never gone through like, this is something new for us to do that type","start":1269.27,"end":1274.15,"sentiment":"neutral","sentiment_score":-0.09799872611959776}],"sentiment":"neutral","sentiment_score":-0.09799872611959776,"channel":1,"num_words":15,"start":1269.27,"end":1274.15},{"sentences":[{"text":"Yeah.","start":1274.0701,"end":1274.5701,"sentiment":"neutral","sentiment_score":-0.008493887260556221}],"sentiment":"neutral","sentiment_score":-0.008493887260556221,"channel":0,"num_words":1,"start":1274.0701,"end":1274.5701},{"sentences":[{"text":"of thing.","start":1274.15,"end":1274.8099,"sentiment":"neutral","sentiment_score":-0.024434716440737247}],"sentiment":"neutral","sentiment_score":-0.024434716440737247,"channel":1,"num_words":2,"start":1274.15,"end":1274.8099},{"sentences":[{"text":"Absolutely.","start":1275.03,"end":1275.53,"sentiment":"neutral","sentiment_score":0.007888955995440483}],"sentiment":"neutral","sentiment_score":0.007888955995440483,"channel":0,"num_words":1,"start":1275.03,"end":1275.53},{"sentences":[{"text":"Do you know anything about that?","start":1276.5499,"end":1279.21,"sentiment":"neutral","sentiment_score":-0.018365310194591682}],"sentiment":"neutral","sentiment_score":-0.018365310194591682,"channel":1,"num_words":6,"start":1276.5499,"end":1279.21},{"sentences":[{"text":"Yes.","start":1280.4149,"end":1280.895,"sentiment":"neutral","sentiment_score":-0.01993081532418728},{"text":"So sorry.","start":1280.895,"end":1281.375,"sentiment":"neutral","sentiment_score":-0.12850767001509666},{"text":"I the phone cut out a little bit.","start":1281.375,"end":1283.215,"sentiment":"neutral","sentiment_score":-0.16999076306819916},{"text":"We're about to be doing the free will through.","start":1283.215,"end":1285.395,"sentiment":"neutral","sentiment_score":-0.04938930148879687}],"sentiment":"neutral","sentiment_score":-0.10406879866495729,"channel":0,"num_words":20,"start":1280.4149,"end":1285.395},{"sentences":[{"text":"I'll have to look it up.","start":1286.165,"end":1287.365,"sentiment":"neutral","sentiment_score":-0.005281506494308512},{"text":"I'll I'll tell","start":1287.365,"end":1288.005,"sentiment":"neutral","sentiment_score":0.010888794747491678}],"sentiment":"neutral","sentiment_score":0.00010859391962488512,"channel":1,"num_words":9,"start":1286.165,"end":1288.005},{"sentences":[{"text":"Yeah.","start":1287.9349,"end":1288.35,"sentiment":"neutral","sentiment_score":0.02431914769113064}],"sentiment":"neutral","sentiment_score":0.02431914769113064,"channel":0,"num_words":1,"start":1287.9349,"end":1288.35},{"sentences":[{"text":"you in one I think it's called","start":1288.005,"end":1289.765,"sentiment":"neutral","sentiment_score":0.03339494179402079}],"sentiment":"neutral","sentiment_score":0.03339494179402079,"channel":1,"num_words":7,"start":1288.005,"end":1289.765},{"sentences":[{"text":"That's","start":1289.47,"end":1289.7899,"sentiment":"neutral","sentiment_score":0.07915707677602768}],"sentiment":"neutral","sentiment_score":0.07915707677602768,"channel":0,"num_words":1,"start":1289.47,"end":1289.7899},{"sentences":[{"text":"SafeBook.","start":1289.765,"end":1290.265,"sentiment":"neutral","sentiment_score":0.05205416679382324}],"sentiment":"neutral","sentiment_score":0.05205416679382324,"channel":1,"num_words":1,"start":1289.765,"end":1290.265},{"sentences":[{"text":"okay.","start":1289.7899,"end":1290.2899,"sentiment":"neutral","sentiment_score":0.11017505824565887},{"text":"Safe will.","start":1291.3099,"end":1292.03,"sentiment":"neutral","sentiment_score":0.11594318598508835},{"text":"Okay.","start":1292.03,"end":1292.53,"sentiment":"neutral","sentiment_score":0.05351965129375458}],"sentiment":"neutral","sentiment_score":0.09889527037739754,"channel":0,"num_words":4,"start":1289.7899,"end":1292.53},{"sentences":[{"text":"Hold on.","start":1293.89,"end":1294.29,"sentiment":"neutral","sentiment_score":0.0340275252237916},{"text":"I'm on this.","start":1294.29,"end":1294.77,"sentiment":"neutral","sentiment_score":0.018641076361139614},{"text":"It's a customer's money.","start":1294.77,"end":1295.75,"sentiment":"neutral","sentiment_score":0.06301588378846645}],"sentiment":"neutral","sentiment_score":0.04178242385387421,"channel":1,"num_words":9,"start":1293.89,"end":1295.75},{"sentences":[{"text":"That's okay.","start":1296.27,"end":1296.99,"sentiment":"positive","sentiment_score":0.35329461097717285},{"text":"You've got a good missus.","start":1296.99,"end":1298.19,"sentiment":"positive","sentiment_score":0.639152181148529},{"text":"I'll tell you what.","start":1298.19,"end":1299.1699,"sentiment":"neutral","sentiment_score":0.24901506677269936}],"sentiment":"positive","sentiment_score":0.44531003588979895,"channel":0,"num_words":11,"start":1296.27,"end":1299.1699},{"sentences":[{"text":"Yeah.","start":1300.37,"end":1300.61,"sentiment":"neutral","sentiment_score":0.18466676771640775},{"text":"Because I'll spend it on a on a impulse.","start":1300.61,"end":1302.7101,"sentiment":"neutral","sentiment_score":0.24482736819320255}],"sentiment":"neutral","sentiment_score":0.23881130814552307,"channel":1,"num_words":10,"start":1300.37,"end":1302.7101},{"sentences":[{"text":"As long as you can catch the fish, you'll be right.","start":1304.6849,"end":1307.025,"sentiment":"neutral","sentiment_score":0.2553589073094455}],"sentiment":"neutral","sentiment_score":0.2553589073094455,"channel":0,"num_words":11,"start":1304.6849,"end":1307.025},{"sentences":[{"text":"Yeah.","start":1307.985,"end":1308.2251,"sentiment":"neutral","sentiment_score":0.1608469933271408},{"text":"I do.","start":1308.2251,"end":1308.885,"sentiment":"neutral","sentiment_score":0.19945363700389862},{"text":"Yeah.","start":1309.8251,"end":1310.145,"sentiment":"neutral","sentiment_score":0.2430780827999115},{"text":"It's pretty safe, though.","start":1310.145,"end":1311.605,"sentiment":"positive","sentiment_score":0.3593917712569237}],"sentiment":"neutral","sentiment_score":0.28004992939531803,"channel":1,"num_words":8,"start":1307.985,"end":1311.605},{"sentences":[{"text":"Yeah.","start":1312.285,"end":1312.6849,"sentiment":"neutral","sentiment_score":0.19566871225833893},{"text":"That's okay.","start":1312.6849,"end":1313.325,"sentiment":"neutral","sentiment_score":0.23860938847064972},{"text":"So I'm just having a quick look at them now.","start":1313.325,"end":1315.985,"sentiment":"neutral","sentiment_score":0.12970313504338266},{"text":"Okay.","start":1318.5399,"end":1318.86,"sentiment":"neutral","sentiment_score":0.07948794960975647},{"text":"Yeah.","start":1318.86,"end":1319.1,"sentiment":"neutral","sentiment_score":0.09049466252326964}],"sentiment":"neutral","sentiment_score":0.14266009678443273,"channel":0,"num_words":15,"start":1312.285,"end":1319.1},{"sentences":[{"text":"So SafeWell is currently offering free wills online.","start":1319.1,"end":1321.4199,"sentiment":"neutral","sentiment_score":0.1672984790056944},{"text":"They're usually about a $160.","start":1321.4199,"end":1323.6799,"sentiment":"neutral","sentiment_score":0.14644989371299744},{"text":"They did them","start":1324.0599,"end":1324.5399,"sentiment":"neutral","sentiment_score":0.08136577655871709}],"sentiment":"neutral","sentiment_score":0.14467091439291835,"channel":0,"num_words":16,"start":1319.1,"end":1324.5399},{"sentences":[{"text":"Yes.","start":1324.48,"end":1324.98,"sentiment":"neutral","sentiment_score":0.11274267733097076}],"sentiment":"neutral","sentiment_score":0.11274267733097076,"channel":1,"num_words":1,"start":1324.48,"end":1324.98},{"sentences":[{"text":"in Australia and New Zealand.","start":1324.5399,"end":1325.9,"sentiment":"neutral","sentiment_score":0.11989786326885224},{"text":"It's often in partnership with certain charities during the promotional weeks.","start":1325.9,"end":1329.9199,"sentiment":"neutral","sentiment_score":0.1724157672036778},{"text":"The legal solicitor reviewed wills can be created under twenty minutes and free updates available once a year.","start":1331.295,"end":1338.5751,"sentiment":"neutral","sentiment_score":0.2248603047596084},{"text":"So it's honestly fine.","start":1338.5751,"end":1340.255,"sentiment":"positive","sentiment_score":0.4261425882577896},{"text":"It does look like they do have them reviewed by a solicitor.","start":1340.255,"end":1344.5951,"sentiment":"neutral","sentiment_score":0.26603178928295773}],"sentiment":"neutral","sentiment_score":0.22881000131368637,"channel":0,"num_words":50,"start":1324.5399,"end":1344.5951},{"sentences":[{"text":"As","start":1345.4551,"end":1345.6151,"sentiment":"neutral","sentiment_score":0.1768391877412796}],"sentiment":"neutral","sentiment_score":0.1768391877412796,"channel":0,"num_words":1,"start":1345.4551,"end":1345.6151},{"sentences":[{"text":"Yes.","start":1345.5751,"end":1345.71,"sentiment":"neutral","sentiment_score":0.2954053282737732}],"sentiment":"neutral","sentiment_score":0.2954053282737732,"channel":1,"num_words":1,"start":1345.5751,"end":1345.71},{"sentences":[{"text":"long as the directions are followed, these are the will kits that are absolutely great to do.","start":1345.6151,"end":1349.91,"sentiment":"positive","sentiment_score":0.47701607556904063},{"text":"They can be more cost effective than going and seeing a solicitor.","start":1349.91,"end":1353.05,"sentiment":"positive","sentiment_score":0.33348474154869717}],"sentiment":"positive","sentiment_score":0.4176237994226916,"channel":0,"num_words":29,"start":1345.6151,"end":1353.05},{"sentences":[{"text":"Yes.","start":1353.7899,"end":1354.2899,"sentiment":"neutral","sentiment_score":0.08840246498584747}],"sentiment":"neutral","sentiment_score":0.08840246498584747,"channel":1,"num_words":1,"start":1353.7899,"end":1354.2899},{"sentences":[{"text":"However, they can also be a little bit more contestable.","start":1353.8301,"end":1356.25,"sentiment":"neutral","sentiment_score":-0.029903863556683064},{"text":"So just making sure that you are following the instructions that you do have them, you know, signed and witnessed and lodged correctly, then","start":1356.39,"end":1366.205,"sentiment":"neutral","sentiment_score":0.04287787488040825}],"sentiment":"neutral","sentiment_score":0.021471481222440216,"channel":0,"num_words":34,"start":1353.8301,"end":1366.205},{"sentences":[{"text":"Okay.","start":1366.205,"end":1366.705,"sentiment":"neutral","sentiment_score":0.20871660113334656}],"sentiment":"neutral","sentiment_score":0.20871660113334656,"channel":1,"num_words":1,"start":1366.205,"end":1366.705},{"sentences":[{"text":"they can be absolutely fine.","start":1366.205,"end":1367.745,"sentiment":"neutral","sentiment_score":0.26599483489990233},{"text":"I would definitely suggest print out a copy.","start":1368.0449,"end":1370.0449,"sentiment":"neutral","sentiment_score":0.2661159336566925},{"text":"Once it's all been lodged and signed and witnessed, if they send you a a final copy, put it out somewhere and let, you know, your beneficiaries know where it's located.","start":1370.0449,"end":1379.36,"sentiment":"neutral","sentiment_score":0.1779558365383456},{"text":"So if anything does happen to you, they know","start":1379.66,"end":1382.4601,"sentiment":"neutral","sentiment_score":0.1358902570274141}],"sentiment":"neutral","sentiment_score":0.19242537527714135,"channel":0,"num_words":53,"start":1366.205,"end":1382.4601},{"sentences":[{"text":"Yes.","start":1382.4501,"end":1382.9501,"sentiment":"neutral","sentiment_score":0.0915432721376419}],"sentiment":"neutral","sentiment_score":0.0915432721376419,"channel":1,"num_words":1,"start":1382.4501,"end":1382.9501},{"sentences":[{"text":"where to go to get your will, and what's in it and things like that.","start":1382.4601,"end":1386.2201,"sentiment":"neutral","sentiment_score":0.07525325169165929},{"text":"So the biggest thing comes down to communication with your family members and your beneficiaries.","start":1386.2201,"end":1390.5249,"sentiment":"neutral","sentiment_score":0.11907337903976441}],"sentiment":"neutral","sentiment_score":0.09716331536571185,"channel":0,"num_words":30,"start":1382.4601,"end":1390.5249},{"sentences":[{"text":"Yes.","start":1391.365,"end":1391.865,"sentiment":"neutral","sentiment_score":0.2015456259250641}],"sentiment":"neutral","sentiment_score":0.2015456259250641,"channel":1,"num_words":1,"start":1391.365,"end":1391.865},{"sentences":[{"text":"But these safe wills are often quite good.","start":1391.3849,"end":1393.8049,"sentiment":"positive","sentiment_score":0.3558460921049118},{"text":"It's just about promoting trying to get estate planning working because a lot of people don't have any of this done, and so many people do pass away with no estate planning, no wills set up, and then everything goes through probate.","start":1394.105,"end":1407.93,"sentiment":"neutral","sentiment_score":-0.007560738051931064},{"text":"And it's probably one of the hardest times for your family to go through.","start":1407.93,"end":1411.13,"sentiment":"neutral","sentiment_score":-0.1830160426242011},{"text":"But from what I'm looking at here, there's nothing wrong with that in any way, shape, or form.","start":1411.13,"end":1416.025,"sentiment":"neutral","sentiment_score":0.16227013245224953},{"text":"It is solicited or reviewed.","start":1416.025,"end":1417.645,"sentiment":"neutral","sentiment_score":0.15173299014568328}],"sentiment":"neutral","sentiment_score":0.041914028468830834,"channel":0,"num_words":87,"start":1391.3849,"end":1417.645},{"sentences":[{"text":"It's just utilizing the websites and trying to sort of promote getting the estate planning working for you guys.","start":1418.265,"end":1423.965,"sentiment":"neutral","sentiment_score":0.17260426008387617},{"text":"Yeah.","start":1424.105,"end":1424.605,"sentiment":"neutral","sentiment_score":0.2192234992980957}],"sentiment":"neutral","sentiment_score":0.17493522204458714,"channel":0,"num_words":20,"start":1418.265,"end":1424.605},{"sentences":[{"text":"I Cool.","start":1425.075,"end":1425.69,"sentiment":"neutral","sentiment_score":0.3180738538503647},{"text":"Yeah.","start":1425.69,"end":1426.01,"sentiment":"neutral","sentiment_score":0.1260921210050583},{"text":"I did notice, you know, like, they quite they push quite a lot with, like,","start":1426.01,"end":1430.33,"sentiment":"neutral","sentiment_score":0.04242989594737689}],"sentiment":"neutral","sentiment_score":0.0777049037731356,"channel":1,"num_words":18,"start":1425.075,"end":1430.33},{"sentences":[{"text":"Yeah.","start":1430.11,"end":1430.61,"sentiment":"neutral","sentiment_score":0.08214731514453888}],"sentiment":"neutral","sentiment_score":0.08214731514453888,"channel":0,"num_words":1,"start":1430.11,"end":1430.61},{"sentences":[{"text":"would you like to donate to this foundation and all of","start":1430.33,"end":1433.13,"sentiment":"neutral","sentiment_score":0.12609165161848068}],"sentiment":"neutral","sentiment_score":0.12609165161848068,"channel":1,"num_words":11,"start":1430.33,"end":1433.13},{"sentences":[{"text":"Yes.","start":1433.0701,"end":1433.5701,"sentiment":"neutral","sentiment_score":0.09073963761329652}],"sentiment":"neutral","sentiment_score":0.09073963761329652,"channel":0,"num_words":1,"start":1433.0701,"end":1433.5701},{"sentences":[{"text":"this?","start":1433.13,"end":1433.45,"sentiment":"neutral","sentiment_score":0.04235271364450455},{"text":"Like, it's already","start":1433.45,"end":1434.4099,"sentiment":"neutral","sentiment_score":0.02523362636566162}],"sentiment":"neutral","sentiment_score":0.029513398185372353,"channel":1,"num_words":4,"start":1433.13,"end":1434.4099},{"sentences":[{"text":"Yep.","start":1434.35,"end":1434.85,"sentiment":"neutral","sentiment_score":0.019557958468794823}],"sentiment":"neutral","sentiment_score":0.019557958468794823,"channel":0,"num_words":1,"start":1434.35,"end":1434.85},{"sentences":[{"text":"clicked yet, so you need to say no","start":1434.4099,"end":1436.83,"sentiment":"neutral","sentiment_score":0.006731807021424174}],"sentiment":"neutral","sentiment_score":0.006731807021424174,"channel":1,"num_words":8,"start":1434.4099,"end":1436.83},{"sentences":[{"text":"Yes.","start":1436.925,"end":1437.425,"sentiment":"neutral","sentiment_score":0.04083592817187309}],"sentiment":"neutral","sentiment_score":0.04083592817187309,"channel":0,"num_words":1,"start":1436.925,"end":1437.425},{"sentences":[{"text":"on the whole","start":1437.13,"end":1437.85,"sentiment":"neutral","sentiment_score":0.027342009047667187}],"sentiment":"neutral","sentiment_score":0.027342009047667187,"channel":1,"num_words":3,"start":1437.13,"end":1437.85},{"sentences":[{"text":"Yeah.","start":1437.5651,"end":1438.0651,"sentiment":"neutral","sentiment_score":0.058336641639471054}],"sentiment":"neutral","sentiment_score":0.058336641639471054,"channel":0,"num_words":1,"start":1437.5651,"end":1438.0651},{"sentences":[{"text":"thing.","start":1437.85,"end":1438.095,"sentiment":"neutral","sentiment_score":0.056609440594911575},{"text":"And, yeah, it's fine.","start":1438.735,"end":1440.335,"sentiment":"neutral","sentiment_score":0.11142133176326752},{"text":"But I thought I could ask because I haven't done it, but my mom keeps on my back.","start":1440.335,"end":1444.575,"sentiment":"neutral","sentiment_score":-0.1050990621248881},{"text":"You better have a will as you know, because we've","start":1444.575,"end":1446.815,"sentiment":"neutral","sentiment_score":-0.04109227042645216}],"sentiment":"neutral","sentiment_score":-0.05455791075347048,"channel":1,"num_words":33,"start":1437.85,"end":1446.815},{"sentences":[{"text":"Yeah.","start":1446.765,"end":1447.265,"sentiment":"neutral","sentiment_score":0.0024035684764385223}],"sentiment":"neutral","sentiment_score":0.0024035684764385223,"channel":0,"num_words":1,"start":1446.765,"end":1447.265},{"sentences":[{"text":"got the kids.","start":1446.815,"end":1447.635,"sentiment":"neutral","sentiment_score":-0.019715287412206333}],"sentiment":"neutral","sentiment_score":-0.019715287412206333,"channel":1,"num_words":3,"start":1446.815,"end":1447.635},{"sentences":[{"text":"Yeah.","start":1447.805,"end":1448.305,"sentiment":"neutral","sentiment_score":-0.0012745652347803116}],"sentiment":"neutral","sentiment_score":-0.0012745652347803116,"channel":0,"num_words":1,"start":1447.805,"end":1448.305},{"sentences":[{"text":"So Oh, no.","start":1447.9349,"end":1448.815,"sentiment":"neutral","sentiment_score":-0.021435054019093513},{"text":"Yeah.","start":1451.07,"end":1451.5499,"sentiment":"neutral","sentiment_score":0.013938674703240396},{"text":"Good","start":1451.5499,"end":1452.0499,"sentiment":"neutral","sentiment_score":0.09564153105020524}],"sentiment":"neutral","sentiment_score":0.00905500873923302,"channel":1,"num_words":5,"start":1447.9349,"end":1452.0499},{"sentences":[{"text":"Yeah.","start":1452.8601,"end":1453.3601,"sentiment":"neutral","sentiment_score":0.06460137665271759},{"text":"No.","start":1453.42,"end":1453.92,"sentiment":"neutral","sentiment_score":-0.03741119056940079},{"text":"It is really one of the most important","start":1453.9801,"end":1455.8201,"sentiment":"neutral","sentiment_score":-0.024851566180586815}],"sentiment":"neutral","sentiment_score":-0.017162234336137772,"channel":0,"num_words":10,"start":1452.8601,"end":1455.8201},{"sentences":[{"text":"job.","start":1455.39,"end":1455.89,"sentiment":"neutral","sentiment_score":0.010372854769229887}],"sentiment":"neutral","sentiment_score":0.010372854769229887,"channel":1,"num_words":1,"start":1455.39,"end":1455.89},{"sentences":[{"text":"things to do.","start":1455.8201,"end":1456.4601,"sentiment":"neutral","sentiment_score":-0.019988231360912323},{"text":"We, unfortunately, as financial advisers, do see a lot of the estate planning side of things, and we do","start":1456.4601,"end":1462.075,"sentiment":"neutral","sentiment_score":-0.16114800423383713}],"sentiment":"neutral","sentiment_score":-0.14189894429662012,"channel":0,"num_words":22,"start":1455.8201,"end":1462.075},{"sentences":[{"text":"Yes.","start":1461.95,"end":1462.245,"sentiment":"neutral","sentiment_score":-0.04528055340051651}],"sentiment":"neutral","sentiment_score":-0.04528055340051651,"channel":1,"num_words":1,"start":1461.95,"end":1462.245},{"sentences":[{"text":"deal with a lot of the estates after people have passed away.","start":1462.075,"end":1465.2749,"sentiment":"neutral","sentiment_score":-0.14874338544905186},{"text":"And it is a really difficult time for most people.","start":1465.2749,"end":1467.9349,"sentiment":"neutral","sentiment_score":-0.25342867225408555},{"text":"Most people don't have a will in place or have never really thought about having a will in place.","start":1468.715,"end":1473.615,"sentiment":"neutral","sentiment_score":-0.18807153482186167},{"text":"And going through probate is a long lengthy and can be a costly pros a process.","start":1474.25,"end":1478.83,"sentiment":"neutral","sentiment_score":-0.16935725882649422},{"text":"So you're definitely doing","start":1478.97,"end":1480.4099,"sentiment":"neutral","sentiment_score":0.08257096074521542}],"sentiment":"neutral","sentiment_score":-0.1683934230784901,"channel":0,"num_words":61,"start":1462.075,"end":1480.4099},{"sentences":[{"text":"Yes.","start":1480.18,"end":1480.68,"sentiment":"neutral","sentiment_score":0.13201747834682465}],"sentiment":"neutral","sentiment_score":0.13201747834682465,"channel":1,"num_words":1,"start":1480.18,"end":1480.68},{"sentences":[{"text":"the right thing.","start":1480.4099,"end":1481.0499,"sentiment":"neutral","sentiment_score":0.14510939518610635},{"text":"Would you still like me just to send that referral email through to you just to give you an idea on on how CGM what CGM do and the costing of a will on their end?","start":1481.0499,"end":1491.4851,"sentiment":"neutral","sentiment_score":0.04437827111946212}],"sentiment":"neutral","sentiment_score":0.0521268191245886,"channel":0,"num_words":39,"start":1480.4099,"end":1491.4851},{"sentences":[{"text":"Yes.","start":1490.995,"end":1491.495,"sentiment":"neutral","sentiment_score":0.07419777661561966},{"text":"Yes, please.","start":1491.715,"end":1492.1951,"sentiment":"neutral","sentiment_score":0.11398336663842201},{"text":"That'd be great.","start":1492.1951,"end":1492.915,"sentiment":"positive","sentiment_score":0.3889202872912089},{"text":"Yes,","start":1492.915,"end":1493.3151,"sentiment":"neutral","sentiment_score":0.11460281908512115}],"sentiment":"neutral","sentiment_score":0.2262183129787445,"channel":1,"num_words":7,"start":1490.995,"end":1493.3151},{"sentences":[{"text":"Yeah.","start":1492.9851,"end":1493.4651,"sentiment":"neutral","sentiment_score":0.14767715334892273}],"sentiment":"neutral","sentiment_score":0.14767715334892273,"channel":0,"num_words":1,"start":1492.9851,"end":1493.4651},{"sentences":[{"text":"please.","start":1493.3151,"end":1493.8151,"sentiment":"neutral","sentiment_score":0.18906325101852417}],"sentiment":"neutral","sentiment_score":0.18906325101852417,"channel":1,"num_words":1,"start":1493.3151,"end":1493.8151},{"sentences":[{"text":"Absolutely.","start":1493.4651,"end":1493.9651,"sentiment":"positive","sentiment_score":0.3927965760231018},{"text":"Perfect.","start":1494.425,"end":1494.905,"sentiment":"positive","sentiment_score":0.5049569606781006},{"text":"I'll get that","start":1494.905,"end":1495.385,"sentiment":"neutral","sentiment_score":0.31223764022191364}],"sentiment":"positive","sentiment_score":0.36689329147338867,"channel":0,"num_words":5,"start":1493.4651,"end":1495.385},{"sentences":[{"text":"Thank","start":1495.235,"end":1495.735,"sentiment":"positive","sentiment_score":0.3711166977882385}],"sentiment":"positive","sentiment_score":0.3711166977882385,"channel":1,"num_words":1,"start":1495.235,"end":1495.735},{"sentences":[{"text":"one done up for you now, and I'll shoot that through","start":1495.385,"end":1497.545,"sentiment":"positive","sentiment_score":0.35598314892161975}],"sentiment":"positive","sentiment_score":0.35598314892161975,"channel":0,"num_words":11,"start":1495.385,"end":1497.545},{"sentences":[{"text":"you.","start":1497.395,"end":1497.895,"sentiment":"neutral","sentiment_score":0.282213419675827}],"sentiment":"neutral","sentiment_score":0.282213419675827,"channel":1,"num_words":1,"start":1497.395,"end":1497.895},{"sentences":[{"text":"to Jesse's email for you.","start":1497.545,"end":1499.3251,"sentiment":"neutral","sentiment_score":0.1531204730272293}],"sentiment":"neutral","sentiment_score":0.1531204730272293,"channel":0,"num_words":5,"start":1497.545,"end":1499.3251},{"sentences":[{"text":"Thank you.","start":1499.555,"end":1500.115,"sentiment":"neutral","sentiment_score":0.27338357269763947},{"text":"And did you say Jessie has a updated beneficiary with, or is that","start":1500.115,"end":1505.07,"sentiment":"neutral","sentiment_score":0.027951680410366792}],"sentiment":"neutral","sentiment_score":0.06067593271533648,"channel":1,"num_words":15,"start":1499.555,"end":1505.07},{"sentences":[{"text":"Yes.","start":1504.8,"end":1505.28,"sentiment":"neutral","sentiment_score":0.007616065442562103},{"text":"From it looks like there isn't one on there.","start":1505.28,"end":1507.84,"sentiment":"neutral","sentiment_score":-0.07626204234030512},{"text":"So with the recommendations I'm making, we are","start":1507.84,"end":1510.16,"sentiment":"neutral","sentiment_score":-0.13874283991754055}],"sentiment":"neutral","sentiment_score":-0.09937139083113936,"channel":0,"num_words":18,"start":1504.8,"end":1510.16},{"sentences":[{"text":"not","start":1510.09,"end":1510.59,"sentiment":"neutral","sentiment_score":-0.1457861363887787}],"sentiment":"neutral","sentiment_score":-0.1457861363887787,"channel":1,"num_words":1,"start":1510.09,"end":1510.59},{"sentences":[{"text":"making the recommendation that he update those, and we will make sure and help him to have them filled out.","start":1510.16,"end":1515.215,"sentiment":"neutral","sentiment_score":-0.0685123361647129},{"text":"Yeah.","start":1515.215,"end":1515.535,"sentiment":"neutral","sentiment_score":-0.015261434018611908},{"text":"So we'll we'll get the beneficiaries all done up and send them to him, and then he's just gonna get them signed and witness them back to us, and we'll have them applied to each of those funds.","start":1515.535,"end":1523.955,"sentiment":"neutral","sentiment_score":0.22063197273957103}],"sentiment":"neutral","sentiment_score":0.1186187594371327,"channel":0,"num_words":59,"start":1510.16,"end":1523.955},{"sentences":[{"text":"Yeah.","start":1524.255,"end":1524.5751,"sentiment":"positive","sentiment_score":0.5034899115562439},{"text":"Wonderful.","start":1524.5751,"end":1525.055,"sentiment":"positive","sentiment_score":0.811150312423706},{"text":"Okay.","start":1525.055,"end":1525.375,"sentiment":"positive","sentiment_score":0.6759653091430664},{"text":"Thank you.","start":1525.375,"end":1526.115,"sentiment":"positive","sentiment_score":0.798661857843399}],"sentiment":"positive","sentiment_score":0.7175858497619629,"channel":1,"num_words":5,"start":1524.255,"end":1526.115},{"sentences":[{"text":"Yeah.","start":1525.79,"end":1526.1901,"sentiment":"positive","sentiment_score":0.4649505615234375},{"text":"That's okay.","start":1526.1901,"end":1527.0901,"sentiment":"positive","sentiment_score":0.4960377961397171},{"text":"Not a problem at all.","start":1527.15,"end":1528.53,"sentiment":"positive","sentiment_score":0.5078499555587769}],"sentiment":"positive","sentiment_score":0.4995344914495945,"channel":0,"num_words":8,"start":1525.79,"end":1528.53},{"sentences":[{"text":"Alright.","start":1529.375,"end":1529.85,"sentiment":"positive","sentiment_score":0.4039499759674072}],"sentiment":"positive","sentiment_score":0.4039499759674072,"channel":1,"num_words":1,"start":1529.375,"end":1529.85},{"sentences":[{"text":"Easy, Jesse.","start":1530.75,"end":1531.63,"sentiment":"positive","sentiment_score":0.504988819360733},{"text":"The email's there for you.","start":1531.63,"end":1532.8301,"sentiment":"positive","sentiment_score":0.43207406997680664},{"text":"I'll get this next email out with the CJM information.","start":1532.8301,"end":1535.81,"sentiment":"positive","sentiment_score":0.3954702943563461},{"text":"And if you have any questions, just let me know.","start":1535.87,"end":1538.29,"sentiment":"neutral","sentiment_score":0.2788124427199364}],"sentiment":"positive","sentiment_score":0.36715464293956757,"channel":0,"num_words":27,"start":1530.75,"end":1538.29},{"sentences":[{"text":"Okay.","start":1538.89,"end":1539.39,"sentiment":"positive","sentiment_score":0.38166606426239014},{"text":"Thank you.","start":1539.53,"end":1540.101,"sentiment":"positive","sentiment_score":0.7297748327255249}],"sentiment":"positive","sentiment_score":0.6137385765711466,"channel":1,"num_words":3,"start":1538.89,"end":1540.101},{"sentences":[{"text":"Easy.","start":1540.0209,"end":1540.5209,"sentiment":"positive","sentiment_score":0.5966955423355103},{"text":"No worries.","start":1540.6609,"end":1541.3809,"sentiment":"positive","sentiment_score":0.6085499227046967},{"text":"You have a good day.","start":1541.3809,"end":1542.5209,"sentiment":"positive","sentiment_score":0.7627835035324096},{"text":"Thanks, Jessie.","start":1543.8608,"end":1544.5809,"sentiment":"positive","sentiment_score":0.7631255984306335},{"text":"See you later.","start":1544.5809,"end":1545.4009,"sentiment":"positive","sentiment_score":0.3818105310201645}],"sentiment":"positive","sentiment_score":0.638415053486824,"channel":0,"num_words":13,"start":1540.0209,"end":1545.4009}]},"summary":{"result":"success","short":"A representative from Mercy Financial contacts a customer named Jesse to discuss updated statement advice and investment recommendations. They emphasize the importance of updating advisements and offer a limited advice document. The agent emphasizes the importance of retaining personal insurance coverage and removing underperforming investments and rebalancing the portfolio. The speaker emphasizes the need for a will and power of attorney for all assets and offers to send a quote. The process of obtaining veneers and a quote for a pack Compdialate Grounds is discussed, and the importance of estate planning is emphasized."},"intents":{"segments":[{"text":"I had you booked in today just to run through your updated statement advice. Do you have some time now? Yeah.","start_word":18,"end_word":38,"intents":[{"intent":"Update update","confidence_score":0.000072305025},{"intent":"Update statement advice","confidence_score":0.16036722}]},{"text":"I do need to send through an email to you with the advice document there. Do you happen to have access to your emails at the moment, or did you just want me to run through the updated recommendations and you can review it later? What would you prefer?","start_word":60,"end_word":108,"intents":[{"intent":"Provide advice document","confidence_score":0.013894109}]},{"text":"And as to the security day with you as well, I do need to just confirm your full name, address, and date of birth I should have.","start_word":157,"end_word":183,"intents":[{"intent":"Confirm identity","confidence_score":0.3221762}]},{"text":"And as to the security day with you as well, I do need to just confirm your full name, address, and date of birth I should have. Jesse John McHugh.","start_word":157,"end_word":186,"intents":[{"intent":"Confirm security day","confidence_score":0.27879012},{"intent":"Confirm contact information","confidence_score":0.0047641876}]},{"text":"I did go back and have a look at the investments as well. There has been some changes in market conditions, so we have made some alterations to the investments, and I'll go through those recommendations as well. Okay? Yes.","start_word":344,"end_word":383,"intents":[{"intent":"Reveal investment adjustments","confidence_score":0.00000468546}]},{"text":"So the advice was provided by myself and my beautiful team here at Oakview Financial. My authorized representative number with ASIC is 1304394, and you'll see that there you can also look us up. It's important that I do note that any advice provided has been provided under your under best interest. We're here to help you working towards your financial goals. With Hello?","start_word":415,"end_word":478,"intents":[{"intent":"Provide advice","confidence_score":0.37039813}]},{"text":"We're here to help you working towards your financial goals. With Hello?","start_word":467,"end_word":478,"intents":[{"intent":"Help with financial goals","confidence_score":0.38829452}]},{"text":"With the scope of the advice for this one here, we have scoped it to superannuation, so you're hoping to be able to retire at the age of 60. We did discuss a rep an average income of about $1,000 per week in retirement. We know that could definitely change down the track there, but this is essentially the goal we are working towards at the moment there for you.","start_word":505,"end_word":574,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.5093116}]},{"text":"So if you are happy with the level of cover that you had, you didn't really wanna change anything, you had noted that it adequately suited your needs for the time being, we can always review that down the track if you would like to. But for the moment, we are reflective just retaining those insurances and in relation to those now. Okay?","start_word":632,"end_word":694,"intents":[{"intent":"Review insurance coverage","confidence_score":0.3872518}]},{"text":"But for the moment, we are reflective just retaining those insurances and in relation to those now. Okay?","start_word":677,"end_word":694,"intents":[{"intent":"Retain clients","confidence_score":0.0001806091}]},{"text":"I know it has been a bit difficult with the the way, yeah, every cost of living has been going.","start_word":720,"end_word":739,"intents":[{"intent":"Review cost of living","confidence_score":0.04716026}]},{"text":"So trauma is an out of pocket cost, and it covers you for things like heart attacks, certain strokes, Parkinson's, neurological conditions, cancer's probably a big one. You can be covered for as little as, you know, $50,000, or you can have a certain amount to cover any particular goal you have, whether it be your mortgage or just a couple of years of income replacement.","start_word":798,"end_word":863,"intents":[{"intent":"Cover medical expenses and goals","confidence_score":0.0047848662}]},{"text":"We can talk about it, and we can always update the advice to reflect.","start_word":896,"end_word":909,"intents":[{"intent":"Provide advice and advice","confidence_score":0.013873624}]},{"text":"When it comes to this working of as a will and power of attorney and things like that, we can refer you a solicitor for the drafting of those documents.","start_word":986,"end_word":1015,"intents":[{"intent":"Verify law firm's qualifications","confidence_score":9.2552824e-7},{"intent":"Refer to specialist for will and power of attorney","confidence_score":0.004358008}]},{"text":"And it's also important that I do know that we can, under our license, provide tax financial advice. However, we're not accountants, so we can refer you to an accountant should you need one, but we don't do your tax return for you. Okay?","start_word":1073,"end_word":1116,"intents":[{"intent":"Provide tax advice","confidence_score":0.15717171}]},{"text":"As you're going through that one, you'll see we have got your assets and liabilities noted there. Just when you rise over those, when you do see them, if there's any major changes, please let me know. If this is all as per your last annual review, I know there can be some fluctuations and changes in those.","start_word":1119,"end_word":1176,"intents":[{"intent":"Schedule annual review","confidence_score":0.029101131}]},{"text":"To make it nice and easy, essentially, with the recommendations, what I am recommending is that we do retain both your super funds at the moment, the BASQ and the HUB twenty four super funds.","start_word":1208,"end_word":1242,"intents":[{"intent":"Retain super funds","confidence_score":0.9146175}]},{"text":"You'll continue to make your contributions from your employer into your bus queue fund, and then we'll just, every year when we do reviews with you, roll over all but 10,000.","start_word":1265,"end_word":1295,"intents":[{"intent":"Make contributions","confidence_score":0.91162676}]},{"text":"I do wish to also make sure we have an opt in in place. So we'll make sure that we do have that signed. It doesn't look like there is one apply, but an opt in, essentially, if anything happens and you were to stop working for a period of time or not get contributions, just acts as a secondary security to make sure your insurance is staying in force for you. Okay?","start_word":1312,"end_word":1384,"intents":[{"intent":"Sign opt-in","confidence_score":0.12516035}]},{"text":"However, we have seen in hub twenty four that there is a couple of options that we wanted to remove out.","start_word":1417,"end_word":1437,"intents":[{"intent":"Remove unwanted investment","confidence_score":0.00065658503}]},{"text":"And then we're just gonna rebalance your battery and lithium tech and your physical gold there so that your portfolio remains in line with your high growth portfolio.","start_word":1544,"end_word":1571,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.013875791}]},{"text":"So this is more of a passively managed fund. It's still giving you access to the top 200 companies in Australia. It's still giving you Australian equities exposure. It's actually just a bit cheaper as a fund, which means you actually do reduce the investment cost that you'll be paying for, and it's it has performed greater over the past.","start_word":1597,"end_word":1656,"intents":[{"intent":"Explain fund benefits","confidence_score":0.021367425}]},{"text":"This portfolio that we're moving into is saving you investment fees. When we did the research to change the portfolio, you'll see in the investment table, we can actually save you $463 in investment fees for the year. So you'll be paying $463 less in investment fees out of your super fund, which means more money stays there invested for you. Okay?","start_word":2169,"end_word":2230,"intents":[{"intent":"Save investment fees","confidence_score":0.070619255}]},{"text":"We will help and organize to make sure the nomination is set up and completed correctly, and then we will keep a record on file of exactly when that nomination lapses so we can help you to have it refilled out every couple of years. Okay? Yes.","start_word":2662,"end_word":2708,"intents":[{"intent":"Help organize nominations","confidence_score":0.0077278237}]},{"text":"It's also really important we do kind of go through and make sure that you do also set up a will and power of attorney.","start_word":2708,"end_word":2732,"intents":[{"intent":"Set up will and power of attorney","confidence_score":0.86350834}]},{"text":"I have made a recommendation in here that if you haven't got a solicitor that we can certainly refer you through to one, And that just setting up a will and power of attorney is really important for all the other assets you have, your cars, your savings, and things like that.","start_word":2733,"end_word":2784,"intents":[{"intent":"Refer to solicitor","confidence_score":0.22939712}]},{"text":"That is basically all I kind of needed to go through with you. It is a lot, and I do apologize. I do have sent the email to you. So have a read through the document, have a look at the changes that we are making there.","start_word":2864,"end_word":2910,"intents":[{"intent":"Review document","confidence_score":0.053658836}]},{"text":"other thing I probably forgot to make mention of was the CGT. So by making these changes, we did check the capital gains consequences, and it looks like there's absolutely none. So because Benelon has been underperforming, it offsets any capital gains that would be made by altering the rest of your portfolio. So there's no CGT consequences there for your fund, which is a positive sign for yourself. And sorry.","start_word":2966,"end_word":3036,"intents":[{"intent":"Discuss capital gains consequences","confidence_score":0.0033965537},{"intent":"Check consequences","confidence_score":0.000930992}]},{"text":"And, yeah, just retaining bus queue to make sure your insurances remain in place until you need to alter or change those moving forward.","start_word":3040,"end_word":3063,"intents":[{"intent":"Remain bus queue","confidence_score":0.028528258}]},{"text":"they'll just want the quote to show how much it's gonna cost that you, you know, you're telling them you can't to the pay if there's any other way, and the ATO made the decision.","start_word":3435,"end_word":3469,"intents":[{"intent":"Explain work costs","confidence_score":0.00029333204}]},{"text":"Because you are under because you are under the age of 60, your super fund can and does withhold tax I for think the withdrawal because there is technically, the amount pulled out of super is considered part of your assessable income. It's added to your assessable income, but your tax sorry. You're I think you could at claim it on tax. no.","start_word":3504,"end_word":3566,"intents":[{"intent":"Explain super fund's tax deduction policy","confidence_score":0.00030000563},{"intent":"Explain super fund's tax deduction","confidence_score":0.30940163},{"intent":"Confirm super fund's tax deduction options","confidence_score":0.000014473168},{"intent":"Explain super fund's tax deduction","confidence_score":0.009167683}]},{"text":"But the super fund withholds a certain amount of tax, so it's part of your assessable income, but it's not your assessable taxable income.","start_word":3595,"end_word":3618,"intents":[{"intent":"Explain tax rates","confidence_score":0.002209881}]},{"text":"But the super fund withholds a certain amount of tax, so it's part of your assessable income, but it's not your assessable taxable income. It's a little bit confusing the way they do it.","start_word":3595,"end_word":3628,"intents":[{"intent":"Clarify super fund's tax calculations","confidence_score":0.009606824},{"intent":"Explain covid's tax calculations","confidence_score":0.0000332598}]},{"text":"The super fund works out or the ACO and the super fund work out essentially how much tax should be paid on that, and they try to withhold the amount required. And then if there's any additional adjustments to tax time, then that can be made. But they normally hold up with the up to 22%, so they do hold a larger amount of tax.","start_word":3629,"end_word":3693,"intents":[{"intent":"Discuss job cost adjustment options","confidence_score":2.6935572e-7},{"intent":"Explain super fund's tax calculations","confidence_score":0.013115854}]},{"text":"It's a little bit confusing. But, essentially, all you need to do first is go and see your dentist, get them to do you up a quote to show how much it's gonna cost to get the work done, and then go into your myGov account, and you'll apply for Compassionate Grounds through your myGov account. And then from there, the ACO will assess it for you.","start_word":3736,"end_word":3802,"intents":[{"intent":"Clarify dental referral process","confidence_score":8.453337e-7}]},{"text":"I know it's a lot to kinda go through when you're not looking at the advice document. But when you've got some time, if you can open up your email, sit down, have a really good look at that one for me.","start_word":3844,"end_word":3885,"intents":[{"intent":"Review document","confidence_score":0.0018651261}]},{"text":"Does she know how much the power of attorney?","start_word":3939,"end_word":3947,"intents":[{"intent":"Ask about power of attorney cost","confidence_score":0.19787875}]},{"text":"We do have some information on a local solicitor, so CJM. If you. you like, I can send that email to you after the call. It's just it's not really an introduction. It's more just giving you their information. I can send the costing through what it cost to do up a will and power of attorney so you can kinda have a look at that. Would that be okay? Yes.","start_word":3971,"end_word":4041,"intents":[{"intent":"Send email","confidence_score":0.030457841}]},{"text":"But these safe wills are often quite good. It's just about promoting trying to get estate planning working because a lot of people don't have any of this done, and so many people do pass away with no estate planning, no wills set up, and then everything goes through probate.","start_word":4476,"end_word":4525,"intents":[{"intent":"Promote estate planning","confidence_score":0.50321627}]},{"text":"It is solicited or reviewed. It's just utilizing the websites and trying to sort of promote getting the estate planning working for you guys. Yeah. I Cool.","start_word":4558,"end_word":4584,"intents":[{"intent":"Promote estate planning","confidence_score":0.4980382}]},{"text":"would you like to donate to this foundation and all of Yes. this?","start_word":4602,"end_word":4614,"intents":[{"intent":"Donate","confidence_score":0.081868514}]},{"text":"Would you still like me just to send that referral email through to you just to give you an idea on on how CGM what CGM do and the costing of a will on their end? Yes. Yes, please.","start_word":4774,"end_word":4812,"intents":[{"intent":"Give and send referral email","confidence_score":0.000024126346}]}]},"sentiments":{"segments":[{"text":"Alright. Hi, Jesse. It's Dana from Mercy Financial. How are you this afternoon? Alright.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.2253229022026062},{"text":"Thank you. That's good.","start_word":14,"end_word":17,"sentiment":"positive","sentiment_score":0.6666783690452576},{"text":"I had you booked in today just to run through your updated statement advice. Do you have some time now? Yeah. Yeah. All good. How was fishing yesterday? Did you catch anything? No.","start_word":18,"end_word":50,"sentiment":"neutral","sentiment_score":0.16678635776042938},{"text":"I hate you, Spotted.","start_word":51,"end_word":54,"sentiment":"negative","sentiment_score":-0.4147420823574066},{"text":"Oh, no. I all good. I do need to send through an email to you with the advice document there. Do you happen to have access to your emails at the moment, or did you just want me to run through the updated recommendations and you can review it later? What would you prefer? Oh, it's not true. I'll just see it later. Yeah. No. Not a problem at all. Jesse, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Moving forward, are you comfortable with that? Yes. Yeah.","start_word":55,"end_word":155,"sentiment":"neutral","sentiment_score":0.02128281630575657},{"text":"Beautiful.","start_word":156,"end_word":156,"sentiment":"positive","sentiment_score":0.33569806814193726},{"text":"And as to the security day with you as well, I do need to just confirm your full name, address, and date of birth I should have. Jesse John McHugh. Yep. Sixteen eleven eighty eight, Yep. and 293 Rotary Park Road, Elbiton.","start_word":157,"end_word":198,"sentiment":"neutral","sentiment_score":0.08102049678564072},{"text":"Beautiful. Thank you so much for that. I have sent the documents through to your email address there as well. So when you do get some time later on, I'll get you to have a good review of those.","start_word":199,"end_word":237,"sentiment":"positive","sentiment_score":0.4090546369552612},{"text":"Just run through the things that we've discussed today. Let me know if you do have any questions. If you're happy to proceed with the updated advice, we'll just get you to sign and return those back to me. Okay? Yep.","start_word":238,"end_word":278,"sentiment":"neutral","sentiment_score":0.2568133473396301},{"text":"Beautiful.","start_word":279,"end_word":279,"sentiment":"positive","sentiment_score":0.3696936368942261},{"text":"Now this is sort of in relation to your last annual review that you have completed there. We did look at just wanting to update the advice. You wanted to retain the insurances that you did have within BusQ there, and we just need to sort of update to reflect the the retention strategy to make sure it was all still working for you. I did go back and have a look at the investments as well. There has been some changes in market conditions, so we have made some alterations to the investments, and I'll go through those recommendations as well. Okay? Yes. When you first look at this front the front page there, it will not statement the device with your lovely name on the front there, and it also has my name. So the advice was provided by myself and my beautiful team here at Oakview Financial. My authorized representative number with ASIC is 1304394, and you'll see that there you can also look us up. It's important that I do note that any advice provided has been provided under your under best interest.","start_word":280,"end_word":466,"sentiment":"neutral","sentiment_score":0.16259091980954543},{"text":"We're here to help you working towards your financial goals.","start_word":467,"end_word":476,"sentiment":"positive","sentiment_score":0.5567485094070435},{"text":"With Hello? this advice, since we are working towards your super goals at the moment, though you still have a lot of time ahead of you. Okay? Yes. With the scope of the advice for this one here, we have scoped it to superannuation, so you're hoping to be able to retire at the age of 60. We did discuss a rep an average income of about $1,000 per week in retirement. We know that could definitely change down the track there, but this is essentially the goal we are working towards at the moment there for you. I've also factored in the estate planning side of things for you. So it looks like we don't have beneficiaries on file, so we wanna make sure that they are up to date and reflect your wishes. Okay? Where we are not sort of seeking advice or limited advice areas is the personal insurance side of things. So if you are happy with the level of cover that you had, you didn't really wanna change anything, you had noted that it adequately suited your needs for the time being, we can always review that down the track if you would like to. But for the moment, we are reflective just retaining those insurances and in relation to those now. Okay? Areas that were scoped out is regards to trauma and cash on budgeting. So you were trying to save some money on a regular basis.","start_word":477,"end_word":719,"sentiment":"neutral","sentiment_score":0.09846042096614838},{"text":"I know it has been a bit difficult with the the way, yeah, every cost of living has been going. We're not making any additional recommendations or providing advice in the way of cash flow and budgeting or trauma insurances.","start_word":720,"end_word":759,"sentiment":"negative","sentiment_score":-0.4099462032318115},{"text":"You were comfortable not having trauma at this point in time. We can look and provide additional advice in those areas down the track if you would like us to. You're right. What's the trauma insurance again. Sorry. So trauma is an out of pocket cost, and it covers you for things like heart attacks, certain strokes, Parkinson's, neurological conditions, cancer's probably a big one. You can be covered for as little as, you know, $50,000, or you can have a certain amount to cover any particular goal you have, whether it be your mortgage or just a couple of years of income replacement. It is an out of pocket. It cost when we spoke last time you didn't really wanna look at doing that.","start_word":760,"end_word":884,"sentiment":"neutral","sentiment_score":-0.11021498036384582},{"text":"But if you do wanna down the track, you absolutely can.","start_word":885,"end_word":895,"sentiment":"positive","sentiment_score":0.38843855261802673},{"text":"We can talk about it, and we can always update the advice to reflect. It's up to you. Yep. I'm not with that one. Yeah. That's okay. It's not a problem at all. This is a limited advice document, so we do scope in and out areas that we are providing advice on and those that we are not. I'll get you to have a read to that document prior to signing it. If you do find you have additional questions, you are welcome to let me know there. Okay? When it comes to this working of as a will and power of attorney and things like that, we can refer you a solicitor for the drafting of those documents. However, we are not solicited, so we can't draft them for you. We do provide advice around insurances like life, safety, and income protection. However, we don't cover insurances around home motor, home incontents, and certain business liability insurances. They're more general, and we can refer you to a general insurance broker should you need one. Yep. And it's also important that I do know that we can, under our license, provide tax financial advice. However, we're not accountants, so we can refer you to an accountant should you need one, but we don't do your tax return for you. Okay? Yes.","start_word":896,"end_word":1117,"sentiment":"neutral","sentiment_score":0.08829182386398315},{"text":"Beautiful.","start_word":1118,"end_word":1118,"sentiment":"positive","sentiment_score":0.4761929214000702},{"text":"As you're going through that one, you'll see we have got your assets and liabilities noted there. Just when you rise over those, when you do see them, if there's any major changes, please let me know. If this is all as per your last annual review, I know there can be some fluctuations and changes in those.","start_word":1119,"end_word":1176,"sentiment":"neutral","sentiment_score":0.09990276396274568},{"text":"The changes in the assets and liabilities has no reflection on the advice, which is good, but it's also good to have our records up to date for you.","start_word":1177,"end_word":1205,"sentiment":"positive","sentiment_score":0.4290702641010285},{"text":"Okay? Yeah.","start_word":1206,"end_word":1207,"sentiment":"neutral","sentiment_score":0.20188862085342407},{"text":"To make it nice and easy, essentially, with the recommendations, what I am recommending is that we do retain both your super funds at the moment, the BASQ and the HUB twenty four super funds. Retaining the bus queue and rolling over all but 10,000, leaving 10,000 in bus queue there to retain your insurances in place.","start_word":1208,"end_word":1264,"sentiment":"positive","sentiment_score":0.358262836933136},{"text":"You'll continue to make your contributions from your employer into your bus queue fund, and then we'll just, every year when we do reviews with you, roll over all but 10,000. So most of your money is in hub twenty four working harder there for you. Okay? I do wish to also make sure we have an opt in in place. So we'll make sure that we do have that signed. It doesn't look like there is one apply, but an opt in, essentially, if anything happens and you were to stop working for a period of time or not get contributions, just acts as a secondary security to make sure your insurance is staying in force for you. Okay? When we looked at the investments within the different funds there, the between the two funds, you are, sorry, invested in a high growth portfolio, which is where your comfort level's at. However, we have seen in hub twenty four that there is a couple of options that we wanted to remove out. So you have the Benelon Australian equity, sorry, portion in your Hub twenty four account that we are going to sell completely.","start_word":1265,"end_word":1459,"sentiment":"neutral","sentiment_score":0.11545491963624954},{"text":"Unfortunately, in the last few months, Benelon has had some underlying issues with some of the investments they have invested in, and they have now been underperforming.","start_word":1460,"end_word":1486,"sentiment":"negative","sentiment_score":-0.3816645741462707},{"text":"So we flagged that when we did the advice for you, and we just wanna have that removed out of there.","start_word":1487,"end_word":1507,"sentiment":"neutral","sentiment_score":-0.25970062613487244},{"text":"There's no point having underperforming funds there.","start_word":1508,"end_word":1514,"sentiment":"negative","sentiment_score":-0.43448132276535034},{"text":"So we are gonna sell off all of the Bannalong. We're also selling off all of the bank hybrids for you. They are being phased out in the future. And then we're just gonna rebalance your battery and lithium tech and your physical gold there so that your portfolio remains in line with your high growth portfolio. Because we're removing all of the BAN along Australian equities due to having been underperformed, we're actually gonna buy into the beta shares Australian 200.","start_word":1515,"end_word":1596,"sentiment":"neutral","sentiment_score":-0.007214352988251825},{"text":"So this is more of a passively managed fund. It's still giving you access to the top 200 companies in Australia. It's still giving you Australian equities exposure. It's actually just a bit cheaper as a fund, which means you actually do reduce the investment cost that you'll be paying for, and it's it has performed greater over the past.","start_word":1597,"end_word":1656,"sentiment":"positive","sentiment_score":0.5733345746994019},{"text":"So we hope that it does better in the future, but it kind of underperformed as much as Benelon has recently as well. By removing the bank hybrids, that's more of a defensive sort of lower risk investment. We are gonna keep and move the money into what the iShares core composite bond. It is just giving you a bit of the sorry. It is just making sure and giving you a bit of the the defensive investments, which is there for lower risk and for income producing.","start_word":1657,"end_word":1744,"sentiment":"neutral","sentiment_score":0.225399449467659},{"text":"So, essentially, making those small changes to your portfolio has a much greater difference there. It keeps you invested in line with the the growth portfolio that you're after, the asset allocation that you're after.","start_word":1745,"end_word":1779,"sentiment":"positive","sentiment_score":0.4257956743240357},{"text":"But when I looked at the phase of make making these differences, by removing the underperforming investment and making a bit of a rebalance there, we can actually see that we save you about $463 on investment fees, which is fantastic to see. So it's really important that sorry. You're right. What do you think about? What do you think about shares? Yeah. Yeah. So we're selling off some of the investments and rebalancing other ones and moving the money Is into other investments. there is Yes. there is there is there shares at the moment going for fresh precious minerals and precious metals and uranium at the moment? There can be. The portfolio we have you in may have some of those in the underlying, but we haven't specifically focused on those sorts of areas because they are seen as extremely risky.","start_word":1780,"end_word":1922,"sentiment":"neutral","sentiment_score":0.03704409301280975},{"text":"They are very volatile as well.","start_word":1923,"end_word":1928,"sentiment":"negative","sentiment_score":-0.3513486087322235},{"text":"So we kinda stick to investments that have seen a greater track record that have gone through the market ups and downs and the volatility that we have seen through. When you sort of have a look at this, you'll look there at page number 19. You'll see exactly what we have you in. But, realistically, Yes. once we kind of finish this, you'll see about 7% of your portfolio invested in battery and lithium tech to still give you good access to those other sorts of minerals there and tech sector.","start_word":1929,"end_word":2020,"sentiment":"neutral","sentiment_score":0.06867655366659164},{"text":"You'll have 6% of physical gold because gold has still done really well. It is still very good to hold on to. You'll have 7% in cybersecurity, which is still a great area to see.","start_word":2021,"end_word":2055,"sentiment":"positive","sentiment_score":0.40104925632476807},{"text":"You'll have some funds in the iShares core composite bond. We'll also see the S and P 500 because The US is still a really good place to be invested in even though it is seeing the volatility at the moment. We'll still see some VanEck properties.","start_word":2056,"end_word":2102,"sentiment":"neutral","sentiment_score":0.18464872241020203},{"text":"The property is a great asset for diversification.","start_word":2103,"end_word":2110,"sentiment":"positive","sentiment_score":0.564832866191864},{"text":"You'll see some Rafi 200 there, so giving you exposure to high, low, and mid stock companies on the ASX. And then the beta shares a 200, so giving you access to the top 200 companies in Australia there. So it's about making sure that you are invested in a portfolio that has seen a great track record. This portfolio that we're moving into is saving you investment fees. When we did the research to change the portfolio, you'll see in the investment table, we can actually save you $463 in investment fees for the year.","start_word":2111,"end_word":2206,"sentiment":"neutral","sentiment_score":0.275551438331604},{"text":"So you'll be paying $463 less in investment fees out of your super fund, which means more money stays there invested for you.","start_word":2207,"end_word":2229,"sentiment":"positive","sentiment_score":0.38002264499664307},{"text":"Okay? Yeah. With your Yeah. bus I queue sorry. You're was right? I was gonna say, because I've been working in the Air Peninsula and down at Moala, and they they just found the biggest uranium deposit in the world down in Moala. Yeah. Wow. That's insane, Yeah. isn't it? That's crazy. Yeah. They had Wow. they had they got 50 they had 50 geos drilling in Moala. Yeah. Wow. Yeah.","start_word":2230,"end_word":2300,"sentiment":"neutral","sentiment_score":0.027040064334869385},{"text":"That is pretty cool. That is pretty cool. That's that's a that's a good investment that is. Yeah. Absolutely. Absolutely.","start_word":2301,"end_word":2320,"sentiment":"positive","sentiment_score":0.6231380581855774},{"text":"We'll also just not make any changes to your Basque.","start_word":2321,"end_word":2330,"sentiment":"neutral","sentiment_score":0.09139887243509293},{"text":"You're in a high growth portfolio in Basque.","start_word":2331,"end_word":2338,"sentiment":"positive","sentiment_score":0.33722811937332153},{"text":"There's no need to change the investments within there by leaving 10,000 in there.","start_word":2339,"end_word":2352,"sentiment":"neutral","sentiment_score":0.20843805372714996},{"text":"And looking at the aligned asset allocation between the two funds, it still works within the portfolio you're after and gives you the asset allocation in line with your risk tolerance.","start_word":2353,"end_word":2383,"sentiment":"positive","sentiment_score":0.36459577083587646},{"text":"Okay?","start_word":2384,"end_word":2384,"sentiment":"neutral","sentiment_score":0.20689214766025543},{"text":"The other really good thing to note is that the difference in the performance. So by making those changes to your to your investment profiles within your super fund and altering, you know, re switching the underlying investments that haven't been performing very well and rebalancing your portfolio. The newer portfolio has actually seen a greater average return over the past three to five years than your current portfolio has. So if the market performs the way it has moving forward, then we can definitely see you in a greater position by making these changes as well as lowering the investment fees, which is important as well.","start_word":2385,"end_word":2491,"sentiment":"positive","sentiment_score":0.5154377818107605},{"text":"Okay?","start_word":2492,"end_word":2492,"sentiment":"neutral","sentiment_score":0.25107598304748535},{"text":"Yep. Beautiful.","start_word":2493,"end_word":2494,"sentiment":"positive","sentiment_score":0.47362279891967773},{"text":"I've also made a recommendation that with your beneficiary nominations, with your hub twenty four, that we do add a binding, non lapsing beneficiary nomination onto your spouse. This essentially means that you've found the trustee to follow your direction, and non lapsing means you only have to fill the form out once, which is positive. At the moment, we don't have any beneficiary nominations applied. So if in the event you would have passed away, your super fund has to go through a bit of a probate process.","start_word":2495,"end_word":2583,"sentiment":"neutral","sentiment_score":0.17176011204719543},{"text":"So having the beneficiary nominations in place are really there for to protect you and your family. So if anything did happen to you, your partner can then come back and claim the funds, and it's a much easier process. Everything gets handed to her to continue looking after your family.","start_word":2584,"end_word":2634,"sentiment":"positive","sentiment_score":0.35638290643692017},{"text":"With bus queue, they don't allow a binding, non lapsing option. They have a binding lapsing, which means it has to be updated every three years. We will help and organize to make sure the nomination is set up and completed correctly, and then we will keep a record on file of exactly when that nomination lapses so we can help you to have it refilled out every couple of years. Okay? Yes. It's also really important we do kind of go through and make sure that you do also set up a will and power of attorney. I have made a recommendation in here that if you haven't got a solicitor that we can certainly refer you through to one, And that just setting up a will and power of attorney is really important for all the other assets you have, your cars, your savings, and things like that. So your sleepers and in life insurance is covered by the beneficiary nominations, but everything else needs to be done through the estate planning and having a will. And a power of attorney is really important as well because if you weren't able to make medical or financial decisions for yourself, having someone nominated that you trust and that knows what your wishes are to act on your behalf is really important as well. Okay? Yeah. Oh, good. Look. That is basically all I kind of needed to go through with you. It is a lot, and I do apologize. I do have sent the email to you. So have a read through the document, have a look at the changes that we are making there. It's really important. Benelung has been underperforming, so we do wanna get that out of your out of your super funds really quickly. So if you can have a look through that one and sign it and return it back to me, I can have the changes made in your portfolio ASAP. The only Yes. other thing I probably forgot to make mention of was the CGT. So by making these changes, we did check the capital gains consequences, and it looks like there's absolutely none. So because Benelon has been underperforming, it offsets any capital gains that would be made by altering the rest of your portfolio.","start_word":2635,"end_word":3018,"sentiment":"neutral","sentiment_score":0.170713316455173},{"text":"So there's no CGT consequences there for your fund, which is a positive sign for yourself.","start_word":3019,"end_word":3034,"sentiment":"positive","sentiment_score":0.3945767283439636},{"text":"And sorry. One more thing. And, yeah, just retaining bus queue to make sure your insurances remain in place until you need to alter or change those moving forward.","start_word":3035,"end_word":3063,"sentiment":"neutral","sentiment_score":0.11013059318065643},{"text":"We still keep any reviews and wanna make sure we do catch ups with you to make sure you stay on track in meeting your goals, and that we're working forward and altering this advice regularly with you as well. There's no implementation or upfront fees for the advice we do provide. It is all part of you being an ongoing service client, so you pay an ongoing service fee for our services for having us look after everything for you. And so it means that we provide all this advice for you. Basically, complimentary. It's all part of the service that we provide in trying to keep you on track.","start_word":3064,"end_word":3174,"sentiment":"positive","sentiment_score":0.47336894273757935},{"text":"Okay?","start_word":3175,"end_word":3175,"sentiment":"neutral","sentiment_score":0.30354803800582886},{"text":"Yeah. Easy.","start_word":3176,"end_word":3177,"sentiment":"positive","sentiment_score":0.3673036396503449},{"text":"And I I I was the other thing I was gonna bring up, Yeah. I wanted I wanna claim I wanted to claim something so I can get veneers. Okay. Yeah. Yeah. So you wanna do compassionate grounds? But Yeah. yeah. Because I broke Yeah. my tooth and Oh, no. no. Because it's already capped, and I broke it again Yeah. and Right. run out of tooth. And Yeah. I've got I've got half a tooth and half half of my missing teeth and Yeah. Yeah. yeah. I need to get it fixed. But I wanna get I wanna go. Yeah. No. Fair enough. So you absolutely can. Have you spoken to a dentist and gotten a quote on how much it's gonna cost you? I've looked them up. Yeah. That's okay. What I'll get you to do is in order to to do pack Compassionate Grounds, you essentially need to be able to get a quote on how much it's gonna cost to have the work done. So contact dentists and find out how much it's gonna be, get them to print you out a quote, and then you just apply for Compassionate grounds through your myGov account. It goes direct to the ATO. They're just wanting to make sure and confirm that you can't pay for this any other way. And as long as you've got the evidence of how much it's gonna cost, they'll look at the the eligibility for you and haven't seen a lot of them unapproved not approved. But Yeah. they'll just want the quote to show how much it's gonna cost that you, you know, you're telling them you can't to the pay if there's any other way, and the ATO made the decision.","start_word":3178,"end_word":3468,"sentiment":"neutral","sentiment_score":0.005665118668446017},{"text":"They if they approve the claim, we'll let your super fund know, and your super fund will let us know, and then we'll be able to make sure we help you with the withdrawal out.","start_word":3469,"end_word":3503,"sentiment":"positive","sentiment_score":0.4157925546169281},{"text":"Because you are under because you are under the age of 60, your super fund can and does withhold tax I for think the withdrawal because there is technically, the amount pulled out of super is considered part of your assessable income. It's added to your assessable income, but your tax sorry. You're I think you could at claim it on tax. no. You can't. Like, cosmetic. No. No. No. The the amount you withdraw out of your super fund on the compassionate grounds is added to your assessable income. Yeah. But the super fund withholds a certain amount of tax, so it's part of your assessable income, but it's not your assessable taxable income.","start_word":3504,"end_word":3618,"sentiment":"neutral","sentiment_score":-0.15972618758678436},{"text":"It's a little bit confusing the way they do it.","start_word":3619,"end_word":3628,"sentiment":"negative","sentiment_score":-0.48796752095222473},{"text":"The super fund works out or the ACO and the super fund work out essentially how much tax should be paid on that, and they try to withhold the amount required. And then if there's any additional adjustments to tax time, then that can be made. But they normally hold up with the up to 22%, so they do hold a larger amount of tax. And you still get the amount you need. They work out how much you need, the tax on top of that, so you can still draw down the amount you need to have the work done. Does that make sense? Yes. Yeah. It's a little bit confusing. But, essentially, all you need to do first is go and see your dentist, get them to do you up a quote to show how much it's gonna cost to get the work done, and then go into your myGov account, and you'll apply for Compassionate Grounds through your myGov account. And then from there, the ACO will assess it for you. They'll let the Superfund know when they approve it, and the Superfund will contact us because we look after it for you, and we'll help you with the withdrawal. Okay? Yes. Alrighty. Yeah.","start_word":3629,"end_word":3835,"sentiment":"neutral","sentiment_score":0.02146388814393161},{"text":"Oh, good.","start_word":3836,"end_word":3837,"sentiment":"positive","sentiment_score":0.40798068046569824},{"text":"Did you have any other questions? I know it's a lot to kinda go through when you're not looking at the advice document. But when you've got some time, if you can open up your email, sit down, have a really good look at that one for me. Let me know if there is any questions in relation to any of it, and if you're just happy to go ahead and make those changes, I'll just get you to, sign it and send it back to me. Okay? Okay. Easy. Do you have any questions at the moment at all, Jesse? Does she know how much the power of attorney? Oh, missus wants to know how much the cost for a power For of power attorney of attorney? for Yeah. Really good question. We do have some information on a local solicitor, so CJM. If you. you like, I can send that email to you after the call. It's just it's not really an introduction. It's more just giving you their information. I can send the costing through what it cost to do up a will and power of attorney so you can kinda have a look at that. Would that be okay? Yes. What'd you say? I'm sorry. Hi. I'm good. How are you? Hi. Just Good. Thanks. just How are you? good. Thank you. There's free wheels on at the moment. I don't know what they're called. They used to be Yeah. called or something like that. So I was Okay. I've nearly finished my wheel, and I was going to get Jesse to do his. And Yeah. on there, it says you can add on a power of attorney for a $100. Yes. Like, we've never gone through like, this is something new for us to do that type Yeah. of thing. Absolutely. Do you know anything about that? Yes. So sorry. I the phone cut out a little bit. We're about to be doing the free will through. I'll have to look it up. I'll I'll tell Yeah. you in one I think it's called That's SafeBook. okay. Safe will. Okay. Hold on. I'm on this. It's a customer's money.","start_word":3838,"end_word":4201,"sentiment":"neutral","sentiment_score":0.07451377735360638},{"text":"That's okay. You've got a good missus.","start_word":4202,"end_word":4208,"sentiment":"positive","sentiment_score":0.5417749881744385},{"text":"I'll tell you what. Yeah. Because I'll spend it on a on a impulse. As long as you can catch the fish, you'll be right. Yeah. I do. Yeah.","start_word":4209,"end_word":4237,"sentiment":"neutral","sentiment_score":0.24024593830108645},{"text":"It's pretty safe, though.","start_word":4238,"end_word":4241,"sentiment":"positive","sentiment_score":0.360146164894104},{"text":"Yeah. That's okay. So I'm just having a quick look at them now. Okay. Yeah. So SafeWell is currently offering free wills online. They're usually about a $160. They did them Yes. in Australia and New Zealand. It's often in partnership with certain charities during the promotional weeks. The legal solicitor reviewed wills can be created under twenty minutes and free updates available once a year.","start_word":4242,"end_word":4307,"sentiment":"neutral","sentiment_score":0.16687549650669098},{"text":"So it's honestly fine.","start_word":4308,"end_word":4311,"sentiment":"positive","sentiment_score":0.4414218068122864},{"text":"It does look like they do have them reviewed by a solicitor. As Yes.","start_word":4312,"end_word":4325,"sentiment":"neutral","sentiment_score":0.2545902132987976},{"text":"long as the directions are followed, these are the will kits that are absolutely great to do.","start_word":4326,"end_word":4342,"sentiment":"positive","sentiment_score":0.4724586009979248},{"text":"They can be more cost effective than going and seeing a solicitor. Yes. However, they can also be a little bit more contestable. So just making sure that you are following the instructions that you do have them, you know, signed and witnessed and lodged correctly, then they Okay. can be absolutely fine. I would definitely suggest print out a copy. Once it's all been lodged and signed and witnessed, if they send you a a final copy, put it out somewhere and let, you know, your beneficiaries know where it's located. So if anything does happen to you, they know Yes. where to go to get your will, and what's in it and things like that. So the biggest thing comes down to communication with your family members and your beneficiaries. Yes.","start_word":4343,"end_word":4475,"sentiment":"neutral","sentiment_score":0.13656553626060486},{"text":"But these safe wills are often quite good.","start_word":4476,"end_word":4483,"sentiment":"positive","sentiment_score":0.359833300113678},{"text":"It's just about promoting trying to get estate planning working because a lot of people don't have any of this done, and so many people do pass away with no estate planning, no wills set up, and then everything goes through probate. And it's probably one of the hardest times for your family to go through. But from what I'm looking at here, there's nothing wrong with that in any way, shape, or form. It is solicited or reviewed. It's just utilizing the websites and trying to sort of promote getting the estate planning working for you guys. Yeah. I Cool. Yeah. I did notice, you know, like, they quite they push quite a lot with, like, Yeah. would you like to donate to this foundation and all of Yes. this? Like, it's already Yep. clicked yet, so you need to say no Yes. on the whole Yeah. thing. And, yeah, it's fine. But I thought I could ask because I haven't done it, but my mom keeps on my back. You better have a will as you know, because we've Yeah. got the kids. Yeah. So Oh, no. Yeah. Good Yeah. No. It is really one of the most important job. things to do. We, unfortunately, as financial advisers, do see a lot of the estate planning side of things, and we do Yes. deal with a lot of the estates after people have passed away. And it is a really difficult time for most people. Most people don't have a will in place or have never really thought about having a will in place. And going through probate is a long lengthy and can be a costly pros a process. So you're definitely doing Yes. the right thing. Would you still like me just to send that referral email through to you just to give you an idea on on how CGM what CGM do and the costing of a will on their end? Yes. Yes, please.","start_word":4484,"end_word":4812,"sentiment":"neutral","sentiment_score":-0.010832426901114111},{"text":"That'd be great.","start_word":4813,"end_word":4815,"sentiment":"positive","sentiment_score":0.3875465989112854},{"text":"Yes, Yeah. please.","start_word":4816,"end_word":4818,"sentiment":"neutral","sentiment_score":0.15044774115085602},{"text":"Absolutely. Perfect. I'll get that Thank one done up for you now, and I'll shoot that through you.","start_word":4819,"end_word":4836,"sentiment":"positive","sentiment_score":0.35447484254837036},{"text":"to Jesse's email for you. Thank you. And did you say Jessie has a updated beneficiary with, or is that Yes. From it looks like there isn't one on there. So with the recommendations I'm making, we are not making the recommendation that he update those, and we will make sure and help him to have them filled out. Yeah. So we'll we'll get the beneficiaries all done up and send them to him, and then he's just gonna get them signed and witness them back to us, and we'll have them applied to each of those funds.","start_word":4837,"end_word":4934,"sentiment":"neutral","sentiment_score":0.07025859079190663},{"text":"Yeah. Wonderful. Okay. Thank you. Yeah. That's okay. Not a problem at all. Alright. Easy, Jesse. The email's there for you. I'll get this next email out with the CJM information.","start_word":4935,"end_word":4965,"sentiment":"positive","sentiment_score":0.4848687946796417},{"text":"And if you have any questions, just let me know.","start_word":4966,"end_word":4975,"sentiment":"neutral","sentiment_score":0.27557241916656494},{"text":"Okay. Thank you. Easy. No worries. You have a good day. Thanks, Jessie. See you later.","start_word":4976,"end_word":4991,"sentiment":"positive","sentiment_score":0.6762595176696777}],"average":{"sentiment":"neutral","sentiment_score":0.1305620397032485}}}}