{"metadata":{"transaction_key":"deprecated","request_id":"01a08511-6cac-7b00-8490-2ab9e84128c8","sha256":"05d31252e83ab4e925dd0191c83eafebc811080919f78555f663720cb61885d7","created":"2026-09-09T07:28:28.790Z","duration":1235.304,"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":5127,"output_tokens":140},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5628,"output_tokens":5639},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5628,"output_tokens":300}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Paul. This is Dana from Ophiuch Financial. How are you this afternoon? That's good. I had you booked in just to go through an updated advice document with me today. Is now still a good time there for you? Fantastic. Paul, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And just to the security there with you, just sec, before I go through any personal information, just to confirm your full name, your date of birth, and address I should have on file there. Yep. Yep. Fantastic. Thank you so much for that. How's your day been today? Yeah. You sound tired. I'm so sorry. I'll try not to take too much of your time. I know you probably had a very long week thus far. Essentially, we last time we caught up, we wanted to have a bit of a look at your super and the investments, and we have sort of noticed some changes that needed to be made to help you along towards your retirement goals there. So I just wanted to run through this with you. Are you able to access your emails at the moment? I just normally send through the document to you so you can review it with me. If you can't oh, that that's okay. It's not a problem. I'll run through things as easily as possible. I'll touch on the Please ask me any questions that you have, and I'll try to make it as easy as possible. I do apologize in advance. All good. Easy. So, Paul, with this one here, on the front of the document when you are looking at it, it has been noted prepared for yourself forward as of the 09/08/2026. All of our advice is valid for sixty days from the date of the document. So you can take some time to read it through. And then if you're happy to take on the recommendations, we'll get you signed and return that back there for us. Okay? On the bottom of the document prepared by myself here, Dana Taylor, and my my team here at Ofori Financial, and my authorized representative number is 13043 sorry. 130 4394. My apologies. A bit tongue tied this afternoon. And I'm registered as an adviser with ASIC there as well. As you scroll through the document, you'll see the best interest duties, table of contents, and then we've got some scoping, some areas that we are and are not looking at with regards to this advice piece. Essentially, last time we spoke, your goal to access Super was around about age 65, hopefully, drawing an income of around about $700 per week to cover your living expenses. Is that still fairly appropriate for your goal? Do you think that might have changed at all? Fantastic. I've also got down here we consider your insurances. So you were happy to retain the level of cover you have within MLC at the time you were having so you were on light duties and having some shoulder surgery. How did that go, and are you back sort of full time, or how was everything since that surgery? Yeah. Okay. Oh, yeah. You poor thing. Oh, you must be in pain as well while they're trying to figure it all out. No. I'm so sorry to hear that, Paul. Well, we'll definitely retain those insurances for the time being, but I have this I have considered them as part of the advice because, essentially, they are paid out of your super. So it's important to consider them when we are projecting things forward for you. Okay? We've also got the estate planning. Essentially, you do have your beneficiaries on file. You are happy to do so, but I have put a little bit in here to recommend that you do speak to a solicitor to draw up a will and power of attorney to make sure the other areas of estate planning are fully sorted for you and your family. Okay. Excellent. Areas that we're not looking for advice at the moment is around income protection and trauma. So you do hold life and TPD, but no income protection or trauma because you are on light duties and about to go through surgery. Generally, to get new cover, we would have to be able to see you through that first and make sure that you're on the other side of it, the recovery side of things, and see what the doctor's report show. We can look at additional insurances down the track for you, but for the time being, we're just retaining what you currently have. And last time you and I spoke, you were happy with that as well. Okay? Excellent. And, also, cash flow and budgeting. So you are looking to purchase a house over the next sort of twelve months or so. Is that still a goal down the track, or is that just being pushed back a little bit more? How's that goal? Yeah. Understandable. It's a little bit hard to understand when when's the right time, isn't it? Yeah. All good. Then when you're looking at the document, we do have the about you section, your assets and liabilities noted as per our last conversation there, and then an outline of your current insurance policy. So within MLC, there at the moment, you have your life and TBD cover. You have a sum insured of 90,820 between the two, and the premium for those paid out of the MLC is $1,113.35 for the year. Okay? Excellent. Now to start sort of going through the recommendations there for you, I did go back and look at all of your super and the investments within to sort of see how everything was tracking for you. Within hub twenty four at the moment, your current balance is 81,070, and then we've also got about thirty three thousand one thirty eight within MLC there at the moment. Between the two funds, you do have your admin fees, investment fees, the ongoing service fee for us looking after everything comes out of hub twenty four, and contributions going into MLC, which is also where your insurance premiums are deducted from. When we sort of spoke last time, you we did your risk profiling, had a bit of a chat about you being a growth investor, which has a eighty twenty split, if you remember to that conversation there. So 80 percent growth, 20% low risk defensive investments. You were fairly happy with that. It does sort of suit someone who has a six year time horizon for accessing super. Are you still comfortable in that portfolio or that risk level here? Beautiful. When I look at your current portfolio, I did note there were some underperforming assets. So, essentially, this year, we have seen a lot of volatility in the market. There has been a lot of ups and downs with everything that has been going on. And so I have sort of found that there's maybe some changes that we need to make to your portfolio to make sure it does work a little bit harder for you. When we look at how everything has been performing over the past five years, and when you look at the past five years, there has been a lot of ups and downs. The market has not been steady in the past five years at at all. And, essentially, when wow. Yeah. No. Well, if you ever feel like that, please give me a call. I am here to help and to talk you through those times. I don't want you to feel like you have to stress on your own, and we do a lot of looking at the markets and a lot of talking people through things like that. And my job is to help you stop you from making rash decisions as well. So if you wanna use me as a sounding board, you are more than welcome to do that. Okay? Excellent. So when I have a look at how between MLC and Hub twenty four over the past five years, your portfolio jointly has been performing. I wasn't overly impressed. It's averaged about 5.91% on a yearly basis. I'm not really happy with that. I wanted to sort of look at how we could make things work a bit harder for you and readjust your portfolio to make it work better. Essentially, with the recommendations, I am recommending you retain the two funds, HUB24 and MLC. The funds themselves are absolutely fine. Essentially, if we had looked and I did look at moving to another platform. However, within Hub twenty four, whenever any even MLC, whenever you sell down investments, your super fund pays capital gains and income tax. It does a tax return every year just like you do. So in order to settle down all the investments and move to whole new platforms, it does require capital gains consequences. And I want to minimize that as much as possible because, realistically, lowering the tax consequences mean, essentially, like, if you paid near $5 in in capital gains tax, that comes off your balance, essentially. So, realistically, minimizing that cost helps your balance continue to grow, if that makes sense. Yeah. So recommending your retention of MLC and hub twenty four, because you've got 33,000 in MLC at the moment, we do wanna roll over all but 10,000, just retaining that 10,000 in the MLC and moving the rest of the funds over to hub twenty four. Essentially, that would leave you with a balance in hub twenty four of about 104200 and four, which is fantastic. It's I understand. Yeah. And your insurances, your life and TPD, which is important to keep for the moment. Yeah. Yeah. Yeah. I will sorta go through an adjustment of the portfolio, but when I looked at the capital gains consequences for being able to adjust your portfolio, it came to $4. So I was really happy with that. That's pretty yeah. Exactly. If I need capital gains, I mean, if I need to pay $4 in tax more regularly. Essentially, moving over, the admin fee does increase slightly because we are putting more money in the hub 24. I expect it to increase by about $40 per year. It's a very minor increase there. However, the newer portfolio is expected to save you $388. So I was able to find a portfolio that was much cheaper for you and save you $388 for the year, which is also a benefit and a bonus there. Excellent. The newer portfolio has also averaged 9.86% over the past five years as well between MLC and Hub twenty four. So I was very happy to be able to look at something that's performing better. And when when you consider the ups and downs over the last five years, if this portfolio has averaged 9.86%, moving forward, it should be able to obtain close to that on a regular basis as well. Okay? Excellent. So, realistically, that should put you in a much greater position, also save you in keys fees, sorry, and minimize the CDT cost as much as possible, which was a benefit and a positive for you. Alright? In to sort of in a nutshell, and I'm so sorry, to run you through just a basic run through of what we're gonna replace, essentially, we're not changing the investments within NMLC. The growth portfolio within that is absolutely fine. We're only retaining 10,000 in there as well and keeping your contributions going in. So there's no change there. We're just gonna roll 2300138 over in the hub twenty four. Within hub twenty four, we're going to increase your exposure into gold from five to 8%. We're gonna remove the physical silver completely. This investment is a bit underperforming. It has been good in the past, but right now, it's worth removing from the portfolio completely. We've also got the Ben along Australian Equities in there. That now is underperforming as well. They've had some underlying issues, and I longer. So I'm removing that wholly from the portfolio as well. And then you've got the Vanguard diversified index in there as well. That, again, is being completely removed, hasn't been performing as well, and we have other ways to provide diversification within your portfolio that provide greater performance, which is good. You've got the cybersecurity globe so global cybersecurity in your portfolio. You currently have 6%. We wanna reweight that to five. You're a little bit overexposed at the moment, so rebalancing this back a little bit is just as important. We've also got the battery and lithium tech. That is being removed completely from the portfolio as is the MorningStar Global tech. Essentially, you'll still have access to tech stocks, but we found a cheaper way to do that, which has got greater past performance. And one of the things I wanted to look at because as you get older, you wanna make sure your super balance is growing. We wanted to sort of limit the fees where possible whilst giving you still exposure to areas of growth. So I'm gonna remove those completely from the portfolio. I'm also gonna remove the iShares Europe out of the portfolio as well. We're still gonna have European exposure, but just moving that investment and investing in Europe and other areas for you. The S and P 500 is the top 500 companies in The US. We are keeping that in the portfolio, but you've got 24% there currently. So we only wanna hold 20% of that investment, so it just means we're gonna reweight the portfolio a little bit. And then you've also got the iShares Asia. We're still gonna hold Asia exposure, but we're gonna remove that investment and hold it in another way. You've also got the Vanguard Australian fixed interest. We still wanna hold fixed interest investments, but I've got another way to do that, which has been showing greater performance. So we're gonna remove that investment wholly from there as well. We're instead, we're going to replace essentially, we're gonna buy into the India quality ETF to give you 5% exposure into India, which has seen some very good growth, and we do expect that moving forward as well. So we're gonna increase or add some India exposure into your portfolio. We're also gonna add some global health care. Essentially, this is looking at global health care. Health care is still a very big space, especially since COVID, and this is giving you exposure globally. So it is increasing diversification and adding a niche area where we're still seeing growth. You do currently you don't currently have a lot because we're removing sorry. The Benelong Australian equities. We kind of wanna add in there and make sure you have some exposure into Australian equities. So, essentially, we're gonna keep the beta shares Raffi Aussie two hundred, and we're also adding in the Australian beta shares a 200. So these two investments are giving you exposure to some of the largest companies on the ASX. Between the two, it'll be at the 25% holding into the Australian market. And by removing Bannalong, which is being underperforming and adding these two investments in there, we're still keeping that exposure, adding more diversification, and providing you with a lower overall risk in your portfolio as well. So that's a positive thing, and it's cheaper. We've also got the JPMorgan re Research Enhanced Equity Fund. This one here is a little bit of an actively managed fund, but it's also very cost effective. It accesses and uses JPMorgan's research team in order to pick and choose where to invest, but it also does track global markets. So it's, again, about providing diversification, but also making sure we can find good areas to provide growth for you as well down the track. Okay? We'll hold 15% of that investment there for you. And then because we still wanna have defensive investments, we're also gonna include core composite bonds, giving you exposure to both government and corporate bonds, and the iShares Yield Plus, which is giving you access to high yielding or high income producing fixed interest and low risk investments, which is great. Between the two of those holding 9% each, and that's giving you that, defensive component for your portfolio. Essentially, this is giving you greater diversification. It has performed better. There's a very limited CGT costs for the change, and it's a cheaper portfolio as a whole. So I felt it was a really good move to be able to switch that for you. Yeah. That is a lot when you're not looking at the document, and you've had a long week. And I'm very sorry, Paul, do you have any questions that could come up at the moment? Excellent. Excellent. You're probably thinking, what is she on? That all good. We're all that's all good. I'll look after you. Essentially, the rest of that is just making sure we do retain the MLC account to keep your insurances in place. We'll make sure we have an opt in form applied as well just as a secondary backup in case you are off work for any period of time and not receiving contributions just to make sure everything stays in place insurance wise. And we'll keep reviewing that with you moving forward just to sort of make sure things are key tracking, that everything is working really well for you. The other thing I did kind of wanna just make sure that we had in line there was a brand new beneficiaries. Obviously, we haven't scoped this into the full extent, but one of the things we sort of want to look at when we spoke last time was that you had your beneficiaries split a little bit. You wanted to kind of have your spouse receive 40% of the beneficiary, but then you also wanted to have a 60% directed to your children. And your children are adults. Is that correct? Yep. Beautiful. So I have made a little bit of an extra provision in the back in here that with the beneficiaries, we actually redo them and split them. So we apply a binding non lapsing beneficiary to HUB 24 and binding lapsing into MLC. However, because of the tax consequences with the way the beneficiaries work so if you were to pass away, your spouse receives that 40% completely tax free. However, your children would actually receive the benefit, and they would have to they would actually pay tax on that benefit. So because they're because they're over 18, unfortunately, they see it's coming everywhere. But being nontax dependent, your children would have to pay tax on that benefit. So what I've done to make alter the recommendation to make it more tax effective is that in both the super funds, we still nominate 40% to go to your spouse. That's absolutely fine. But then with the other 60%, we actually nominate that to go to your legal personal representative. That means that if you pass away, the portion that's meant to go to your children would go to your will. You then just need to have a will in place that allocates that money however you wanted to to your children, and then it gets paid out. There still are tax consequences, but it helps to minimize or reduce some of the tax payables so they end up with more of the benefit. Does that make sense? Yeah. Beautiful. So that's essentially how I've altered that recommendation. It's a little bit more complex, but I've got some details in there to kinda break it down for you and to make it a little bit easier. All of the recommendations are outlined in there for you to review. We've also got a best interest duty, which relies it oh, sorry. Relates it back to your goals and why we're making those recommendations for you. And then we've also got some information and the recommendations around the estate planning, the will, the power of attorney side of things, and some advantages, disadvantages, and risks involved for you to also consider there as well. Does that make sense? Do you have any questions at all? No? Beautiful. Depending on how much depending on how much reading you like to do, I've also got the appendices and all the product disclosure statements attached for you to run your eyes over. And we also just need to update the ongoing service agreement as well. So if you can take some time when you've got when you're awake and you've had a bit of a rest and you can run your eyes over the document, have a read through. Please let me know if you do happen to have any questions in relation to any of it. And we've also attached the ongoing service agreement there as well. You do pay 1.65% for our services on a yearly basis. That is deducted from super on a small monthly basis, and that allows us to update the advice, keep looking after everything, and make sure we are tracking towards your retirement goals there as well. Beautiful. I will leave it with you so you can take some time to read it through. If there are any questions, please let me know. There's no silly questions in my world. So if there's anything that's on your mind, you're welcome to let me know. Once you kinda have read it through and you've decided to take the advice and we implement that, I wanted to do a bit of a catch up maybe in three, six, or nine months. Would you like to do a bit of a catch up down the track and what time frame would suit you? Yeah. Beautiful. I'll pop that in the calendar. My team will give you a call. We'll book in, and we'll have a bit of a chat just to see how things are tracking and whether any further changes need to take place there for you. How does that sound? Easy. Well, thank you so much for your time, Paul. I'll let you go. I hope you have a lovely day. If you have any questions or need anything in the meantime, I am here. I'm more than happy to take your call and help you out. Okay? Thank you. Enjoy your day. Thanks, Paul. See you later. Bye.","confidence":0.9980469,"words":[{"word":"hi","start":2.8,"end":3.12,"confidence":0.87060547,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.12356698513031006},{"word":"paul","start":3.12,"end":3.4399998,"confidence":0.9995117,"punctuated_word":"Paul.","sentiment":"neutral","sentiment_score":0.1275787204504013},{"word":"this","start":3.4399998,"end":3.6,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.14652390778064728},{"word":"is","start":3.6,"end":3.76,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14938214421272278},{"word":"dana","start":3.76,"end":3.9199998,"confidence":0.7475586,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.176627516746521},{"word":"from","start":3.9199998,"end":4.16,"confidence":0.8676758,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.19006356596946716},{"word":"ophiuch","start":4.16,"end":4.56,"confidence":0.31835938,"punctuated_word":"Ophiuch","sentiment":"neutral","sentiment_score":0.15046578645706177},{"word":"financial","start":4.56,"end":5.06,"confidence":0.98706055,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.1642720252275467},{"word":"how","start":5.12,"end":5.3599997,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.22212332487106323},{"word":"are","start":5.3599997,"end":5.44,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2352519184350967},{"word":"you","start":5.44,"end":5.6,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22726550698280337},{"word":"this","start":5.6,"end":5.8399997,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2392529398202896},{"word":"afternoon","start":5.8399997,"end":6.3399997,"confidence":1.0,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":0.22030942142009735},{"word":"that's","start":8.32,"end":8.639999,"confidence":0.939209,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7147355079650879},{"word":"good","start":8.639999,"end":8.88,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7318951487541199},{"word":"i","start":8.88,"end":9.04,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5373583436012268},{"word":"had","start":9.04,"end":9.28,"confidence":0.9951172,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.5563941597938538},{"word":"you","start":9.28,"end":9.44,"confidence":0.9863281,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4391532838344574},{"word":"booked","start":9.44,"end":9.599999,"confidence":0.9941406,"punctuated_word":"booked","sentiment":"positive","sentiment_score":0.45383185148239136},{"word":"in","start":9.599999,"end":9.76,"confidence":0.9951172,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4983779489994049},{"word":"just","start":9.76,"end":9.92,"confidence":0.9580078,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4837941825389862},{"word":"to","start":9.92,"end":10.08,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3714949488639831},{"word":"go","start":10.08,"end":10.24,"confidence":0.99902344,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.349310964345932},{"word":"through","start":10.24,"end":10.4,"confidence":0.9140625,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3886958658695221},{"word":"an","start":10.4,"end":10.559999,"confidence":0.99609375,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.3636601567268371},{"word":"updated","start":10.559999,"end":11.04,"confidence":0.99609375,"punctuated_word":"updated","sentiment":"positive","sentiment_score":0.3719651401042938},{"word":"advice","start":11.04,"end":11.44,"confidence":0.95410156,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.371323674917221},{"word":"document","start":11.44,"end":11.92,"confidence":1.0,"punctuated_word":"document","sentiment":"positive","sentiment_score":0.3858147263526917},{"word":"with","start":11.92,"end":12.08,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3668017983436585},{"word":"me","start":12.08,"end":12.24,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.42704376578330994},{"word":"today","start":12.24,"end":12.559999,"confidence":0.9995117,"punctuated_word":"today.","sentiment":"positive","sentiment_score":0.38144823908805847},{"word":"is","start":12.559999,"end":12.719999,"confidence":0.9970703,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.30996328592300415},{"word":"now","start":12.719999,"end":12.96,"confidence":0.95410156,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.3105544447898865},{"word":"still","start":12.96,"end":13.12,"confidence":0.97265625,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.3115178942680359},{"word":"a","start":13.12,"end":13.28,"confidence":0.9902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3943590521812439},{"word":"good","start":13.28,"end":13.44,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.35435301065444946},{"word":"time","start":13.44,"end":13.679999,"confidence":0.9790039,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4538182318210602},{"word":"there","start":13.679999,"end":13.92,"confidence":0.77441406,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.42581284046173096},{"word":"for","start":13.92,"end":14.08,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.341665118932724},{"word":"you","start":14.08,"end":14.415,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.2914443612098694},{"word":"fantastic","start":16.335,"end":16.835,"confidence":0.99853516,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6471032500267029},{"word":"paul","start":17.375,"end":17.615,"confidence":0.90649414,"punctuated_word":"Paul,","sentiment":"neutral","sentiment_score":0.30598771572113037},{"word":"before","start":17.615,"end":17.935,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.2740282416343689},{"word":"we","start":17.935,"end":18.015,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24938789010047913},{"word":"jump","start":18.015,"end":18.255,"confidence":0.99609375,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.2999769151210785},{"word":"into","start":18.255,"end":18.415,"confidence":0.98535156,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.28350701928138733},{"word":"the","start":18.415,"end":18.494999,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17781606316566467},{"word":"call","start":18.494999,"end":18.735,"confidence":0.99853516,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.14211058616638184},{"word":"i","start":18.735,"end":18.815,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1904946118593216},{"word":"do","start":18.815,"end":18.975,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14196822047233582},{"word":"need","start":18.975,"end":19.135,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1726144403219223},{"word":"to","start":19.135,"end":19.215,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15388718247413635},{"word":"let","start":19.215,"end":19.295,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1500258892774582},{"word":"you","start":19.295,"end":19.455,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12718556821346283},{"word":"know","start":19.455,"end":19.535,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1657630056142807},{"word":"we","start":19.535,"end":19.775,"confidence":0.9086914,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16729354858398438},{"word":"do","start":19.775,"end":19.935,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2069782018661499},{"word":"record","start":19.935,"end":20.175,"confidence":0.9980469,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.18818385899066925},{"word":"our","start":20.175,"end":20.335,"confidence":0.9980469,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.17349110543727875},{"word":"calls","start":20.335,"end":20.575,"confidence":0.99609375,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.17675280570983887},{"word":"for","start":20.575,"end":20.814999,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16266226768493652},{"word":"quality","start":20.814999,"end":21.055,"confidence":0.99609375,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.14743661880493164},{"word":"and","start":21.055,"end":21.215,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1627817004919052},{"word":"training","start":21.215,"end":21.615,"confidence":1.0,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.1466023474931717},{"word":"purposes","start":21.615,"end":22.115,"confidence":1.0,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.17718179523944855},{"word":"are","start":22.175,"end":22.335,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.17212344706058502},{"word":"you","start":22.335,"end":22.494999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21854136884212497},{"word":"happy","start":22.494999,"end":22.814999,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.17835897207260132},{"word":"for","start":22.814999,"end":22.895,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1997072547674179},{"word":"us","start":22.895,"end":23.055,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.16349448263645172},{"word":"to","start":23.055,"end":23.215,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18807587027549744},{"word":"proceed","start":23.215,"end":23.535,"confidence":0.99902344,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.208103746175766},{"word":"with","start":23.535,"end":23.775,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.23996181786060333},{"word":"that","start":23.775,"end":24.275,"confidence":1.0,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.2276403307914734},{"word":"fantastic","start":25.695,"end":26.195,"confidence":0.99902344,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5293611288070679},{"word":"and","start":26.335,"end":26.494999,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.22663390636444092},{"word":"just","start":26.494999,"end":26.654999,"confidence":0.91015625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1606462299823761},{"word":"to","start":26.654999,"end":26.814999,"confidence":0.46240234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18486979603767395},{"word":"the","start":26.814999,"end":26.974998,"confidence":0.6899414,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2075457274913788},{"word":"security","start":26.974998,"end":27.455,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.17523689568042755},{"word":"there","start":27.455,"end":27.695,"confidence":0.8647461,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.21593628823757172},{"word":"with","start":27.695,"end":27.855,"confidence":0.99316406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14244186878204346},{"word":"you","start":27.855,"end":28.095,"confidence":0.9411621,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.15513518452644348},{"word":"just","start":28.095,"end":28.335,"confidence":0.93359375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17178237438201904},{"word":"sec","start":28.335,"end":28.65,"confidence":0.5001221,"punctuated_word":"sec,","sentiment":"neutral","sentiment_score":0.23467805981636047},{"word":"before","start":28.97,"end":29.289999,"confidence":0.92333984,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.1879243701696396},{"word":"i","start":29.289999,"end":29.369999,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2219012826681137},{"word":"go","start":29.369999,"end":29.529999,"confidence":0.5410156,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.20097920298576355},{"word":"through","start":29.529999,"end":29.689999,"confidence":0.9707031,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.22127416729927063},{"word":"any","start":29.689999,"end":29.93,"confidence":0.9951172,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1630789339542389},{"word":"personal","start":29.93,"end":30.33,"confidence":0.99609375,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.11603633314371108},{"word":"information","start":30.33,"end":30.65,"confidence":0.94750977,"punctuated_word":"information,","sentiment":"neutral","sentiment_score":0.1613156646490097},{"word":"just","start":30.65,"end":30.89,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1924320012331009},{"word":"to","start":30.89,"end":30.97,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15554770827293396},{"word":"confirm","start":30.97,"end":31.369999,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.14101801812648773},{"word":"your","start":31.369999,"end":31.529999,"confidence":0.9472656,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1460737586021423},{"word":"full","start":31.529999,"end":31.689999,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.16999174654483795},{"word":"name","start":31.689999,"end":31.849998,"confidence":0.9970703,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.1474369764328003},{"word":"your","start":31.849998,"end":32.09,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1392493098974228},{"word":"date","start":32.09,"end":32.17,"confidence":0.99902344,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.17692022025585177},{"word":"of","start":32.17,"end":32.329998,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17697986960411072},{"word":"birth","start":32.329998,"end":32.57,"confidence":0.98657227,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.15225642919540405},{"word":"and","start":32.57,"end":32.73,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14483992755413055},{"word":"address","start":32.73,"end":32.97,"confidence":0.99609375,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.14195550978183746},{"word":"i","start":32.97,"end":33.13,"confidence":0.9267578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18425150215625763},{"word":"should","start":33.13,"end":33.29,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.20227766036987305},{"word":"have","start":33.29,"end":33.45,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1619037240743637},{"word":"on","start":33.45,"end":33.69,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13376665115356445},{"word":"file","start":33.69,"end":34.01,"confidence":1.0,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.19376954436302185},{"word":"there","start":34.01,"end":34.51,"confidence":0.953125,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.13339149951934814},{"word":"yep","start":36.57,"end":37.07,"confidence":0.8532715,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01623447984457016},{"word":"yep","start":39.53,"end":40.03,"confidence":0.9885254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.017326410859823227},{"word":"fantastic","start":42.555,"end":43.055,"confidence":0.9951172,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.48805081844329834},{"word":"thank","start":43.195,"end":43.434998,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5420712828636169},{"word":"you","start":43.434998,"end":43.675,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5412675738334656},{"word":"so","start":43.675,"end":43.835,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5541452169418335},{"word":"much","start":43.835,"end":43.995,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5609425902366638},{"word":"for","start":43.995,"end":44.155,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5635068416595459},{"word":"that","start":44.155,"end":44.394997,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5637388229370117},{"word":"how's","start":44.394997,"end":44.635,"confidence":0.8847656,"punctuated_word":"How's","sentiment":"positive","sentiment_score":0.37583398818969727},{"word":"your","start":44.635,"end":44.875,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3252626657485962},{"word":"day","start":44.875,"end":45.035,"confidence":1.0,"punctuated_word":"day","sentiment":"positive","sentiment_score":0.35052037239074707},{"word":"been","start":45.035,"end":45.274998,"confidence":0.94921875,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.28367292881011963},{"word":"today","start":45.274998,"end":45.774998,"confidence":1.0,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.3182500898838043},{"word":"yeah","start":50.394997,"end":50.875,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.15575677156448364},{"word":"you","start":50.875,"end":51.195,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.26864051818847656},{"word":"sound","start":51.195,"end":51.515,"confidence":0.99902344,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":-0.24796947836875916},{"word":"tired","start":51.515,"end":51.835,"confidence":0.99902344,"punctuated_word":"tired.","sentiment":"neutral","sentiment_score":-0.26352357864379883},{"word":"i'm","start":51.835,"end":51.995,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.23804834485054016},{"word":"so","start":51.995,"end":52.235,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2431313544511795},{"word":"sorry","start":52.235,"end":52.475,"confidence":1.0,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.2108180820941925},{"word":"i'll","start":52.475,"end":52.714996,"confidence":0.90405273,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.10730616748332976},{"word":"try","start":52.714996,"end":52.875,"confidence":0.99902344,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.15433022379875183},{"word":"not","start":52.875,"end":52.954998,"confidence":0.9760742,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2010273784399033},{"word":"to","start":52.954998,"end":53.114998,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17522917687892914},{"word":"take","start":53.114998,"end":53.355,"confidence":0.9482422,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.21631699800491333},{"word":"too","start":53.355,"end":53.515,"confidence":0.9819336,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.230974018573761},{"word":"much","start":53.515,"end":53.675,"confidence":0.99902344,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.21815815567970276},{"word":"of","start":53.675,"end":53.835,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2430749386548996},{"word":"your","start":53.835,"end":53.995,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.263716459274292},{"word":"time","start":53.995,"end":54.235,"confidence":0.99609375,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.26410430669784546},{"word":"i","start":54.235,"end":54.315,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18292361497879028},{"word":"know","start":54.315,"end":54.394997,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.1886228919029236},{"word":"you","start":54.394997,"end":54.555,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.20351824164390564},{"word":"probably","start":54.555,"end":54.875,"confidence":0.59765625,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.22887493669986725},{"word":"had","start":54.875,"end":55.034996,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.18132692575454712},{"word":"a","start":55.034996,"end":55.195,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19696757197380063},{"word":"very","start":55.195,"end":55.434998,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.24457596242427823},{"word":"long","start":55.434998,"end":55.675,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.23597818613052368},{"word":"week","start":55.675,"end":55.835,"confidence":0.8803711,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.24688898026943207},{"word":"thus","start":55.835,"end":56.155,"confidence":0.97802734,"punctuated_word":"thus","sentiment":"neutral","sentiment_score":-0.2489408403635025},{"word":"far","start":56.155,"end":56.655,"confidence":0.99853516,"punctuated_word":"far.","sentiment":"neutral","sentiment_score":-0.2097606360912323},{"word":"essentially","start":57.66,"end":57.9,"confidence":0.9946289,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":-0.00014220178127288818},{"word":"we","start":57.9,"end":58.22,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.023434538394212723},{"word":"last","start":58.38,"end":58.62,"confidence":0.9291992,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.020640000700950623},{"word":"time","start":58.62,"end":58.78,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.015886865556240082},{"word":"we","start":58.78,"end":59.02,"confidence":0.9902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.010508738458156586},{"word":"caught","start":59.02,"end":59.260002,"confidence":0.65478516,"punctuated_word":"caught","sentiment":"neutral","sentiment_score":0.00022915005683898928},{"word":"up","start":59.260002,"end":59.5,"confidence":0.99365234,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.006782306358218193},{"word":"we","start":59.5,"end":59.66,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.030220717191696167},{"word":"wanted","start":59.66,"end":59.9,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.027690835297107697},{"word":"to","start":59.9,"end":59.98,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05178014934062958},{"word":"have","start":59.98,"end":60.059998,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06136097013950348},{"word":"a","start":60.059998,"end":60.14,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04202980548143387},{"word":"bit","start":60.14,"end":60.3,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.057701002806425095},{"word":"of","start":60.3,"end":60.379997,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.045245349407196045},{"word":"a","start":60.379997,"end":60.46,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03570205345749855},{"word":"look","start":60.46,"end":60.7,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03703133761882782},{"word":"at","start":60.7,"end":60.78,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.052278514951467514},{"word":"your","start":60.78,"end":60.940002,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04653958976268768},{"word":"super","start":60.940002,"end":61.260002,"confidence":0.80371094,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.07890250533819199},{"word":"and","start":61.260002,"end":61.420002,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06330534815788269},{"word":"the","start":61.420002,"end":61.58,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05681096762418747},{"word":"investments","start":61.58,"end":61.98,"confidence":0.78637695,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.05559208244085312},{"word":"and","start":61.98,"end":62.06,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07380741834640503},{"word":"we","start":62.06,"end":62.22,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07389532029628754},{"word":"have","start":62.22,"end":62.46,"confidence":0.984375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06952463835477829},{"word":"sort","start":62.46,"end":62.620003,"confidence":0.9243164,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06060078367590904},{"word":"of","start":62.620003,"end":62.7,"confidence":0.8642578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.051506157964468},{"word":"noticed","start":62.7,"end":63.02,"confidence":0.87841797,"punctuated_word":"noticed","sentiment":"neutral","sentiment_score":0.0859404057264328},{"word":"some","start":63.02,"end":63.18,"confidence":0.9741211,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.05809709802269936},{"word":"changes","start":63.18,"end":63.58,"confidence":0.89746094,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.07684966921806335},{"word":"that","start":63.58,"end":63.74,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05402805656194687},{"word":"needed","start":63.74,"end":64.14,"confidence":0.99902344,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.051940012723207474},{"word":"to","start":64.14,"end":64.22,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07827028632164001},{"word":"be","start":64.22,"end":64.38,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09884417057037354},{"word":"made","start":64.38,"end":64.7,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.1440550833940506},{"word":"to","start":64.7,"end":64.86,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14108556509017944},{"word":"help","start":64.86,"end":65.020004,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.18685410916805267},{"word":"you","start":65.020004,"end":65.520004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1607179194688797},{"word":"along","start":65.66,"end":65.98,"confidence":0.9970703,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.2004210352897644},{"word":"towards","start":65.98,"end":66.38,"confidence":0.99902344,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.20609354972839355},{"word":"your","start":66.38,"end":66.7,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15445642173290253},{"word":"retirement","start":66.7,"end":67.18,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.08682973682880402},{"word":"goals","start":67.18,"end":67.42,"confidence":0.9873047,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.12947329878807068},{"word":"there","start":67.42,"end":67.58,"confidence":0.9016113,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07169593870639801},{"word":"so","start":67.58,"end":67.74,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07146154344081879},{"word":"i","start":67.74,"end":67.82,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07428562641143799},{"word":"just","start":67.82,"end":68.06,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06727751344442368},{"word":"wanted","start":68.06,"end":68.3,"confidence":0.99902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.06414798647165298},{"word":"to","start":68.3,"end":68.46,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08628245443105698},{"word":"run","start":68.46,"end":68.62,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.0924074649810791},{"word":"through","start":68.62,"end":68.78,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1207929104566574},{"word":"this","start":68.78,"end":69.1,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08830175548791885},{"word":"with","start":69.1,"end":69.26,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09869150817394257},{"word":"you","start":69.26,"end":69.735,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.06347940117120743},{"word":"are","start":70.135,"end":70.215004,"confidence":0.94189453,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.030819114297628403},{"word":"you","start":70.215004,"end":70.535,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030077777802944183},{"word":"able","start":70.535,"end":70.855,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.019354186952114105},{"word":"to","start":70.855,"end":71.015,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.018508359789848328},{"word":"access","start":71.015,"end":71.415,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.02070978470146656},{"word":"your","start":71.415,"end":71.655,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.023202067241072655},{"word":"emails","start":71.655,"end":72.055,"confidence":0.73339844,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.033790286630392075},{"word":"at","start":72.055,"end":72.215004,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02748538553714752},{"word":"the","start":72.215004,"end":72.295,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026474548503756523},{"word":"moment","start":72.295,"end":72.615,"confidence":0.9995117,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.04087489470839501},{"word":"i","start":72.615,"end":72.695,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006743907928466797},{"word":"just","start":72.695,"end":72.935,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.011430161073803902},{"word":"normally","start":72.935,"end":73.255,"confidence":0.9267578,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.03090529888868332},{"word":"send","start":73.255,"end":73.495,"confidence":0.91845703,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.017683863639831543},{"word":"through","start":73.495,"end":73.655,"confidence":0.72021484,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.020923594012856483},{"word":"the","start":73.655,"end":73.815,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02203034982085228},{"word":"document","start":73.815,"end":74.295,"confidence":0.83203125,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.020803093910217285},{"word":"to","start":74.295,"end":74.455,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03937818109989166},{"word":"you","start":74.455,"end":74.615,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03752657771110535},{"word":"so","start":74.615,"end":74.855,"confidence":0.9428711,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03724284470081329},{"word":"you","start":74.855,"end":74.935,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03395956754684448},{"word":"can","start":74.935,"end":75.175,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03533659502863884},{"word":"review","start":75.175,"end":75.495,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.04563393071293831},{"word":"it","start":75.495,"end":75.655,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03148936107754707},{"word":"with","start":75.655,"end":75.895004,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0287955142557621},{"word":"me","start":75.895004,"end":76.395004,"confidence":0.9980469,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.012352497316896915},{"word":"if","start":76.535,"end":76.695,"confidence":0.99609375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.04902829974889755},{"word":"you","start":76.695,"end":76.855,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07503087818622589},{"word":"can't","start":76.855,"end":77.355,"confidence":0.99853516,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.08945220708847046},{"word":"oh","start":78.695,"end":78.935,"confidence":0.9699707,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.011866933666169643},{"word":"that","start":78.935,"end":79.175,"confidence":0.9536133,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.023207180202007297},{"word":"that's","start":79.255,"end":79.655,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.00458391010761261},{"word":"okay","start":79.655,"end":79.975,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.04729440808296203},{"word":"it's","start":79.975,"end":80.135,"confidence":0.99853516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1294073760509491},{"word":"not","start":80.135,"end":80.375,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1245843693614006},{"word":"a","start":80.375,"end":80.455,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13481992483139038},{"word":"problem","start":80.455,"end":80.855,"confidence":0.9995117,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.16353636980056763},{"word":"i'll","start":80.855,"end":81.095,"confidence":0.98168945,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15953342616558075},{"word":"run","start":81.095,"end":81.335,"confidence":0.9980469,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.1797066479921341},{"word":"through","start":81.335,"end":81.575,"confidence":0.9892578,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.19806286692619324},{"word":"things","start":81.575,"end":81.895004,"confidence":0.9741211,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.18139417469501495},{"word":"as","start":81.895004,"end":82.055,"confidence":0.9819336,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1953611969947815},{"word":"easily","start":82.055,"end":82.071,"confidence":0.93408203,"punctuated_word":"easily","sentiment":"neutral","sentiment_score":0.1766718327999115},{"word":"as","start":82.071,"end":82.087,"confidence":0.88427734,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13348978757858276},{"word":"possible","start":82.087,"end":82.103004,"confidence":0.8027344,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.11386279761791228},{"word":"i'll","start":82.103004,"end":82.119,"confidence":0.7636719,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07177030295133591},{"word":"touch","start":82.119,"end":82.135,"confidence":0.58203125,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.05748710036277771},{"word":"on","start":82.135,"end":82.385,"confidence":0.6699219,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05567260831594467},{"word":"the","start":82.385,"end":82.885,"confidence":0.70166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03433544933795929},{"word":"please","start":86.52,"end":86.759995,"confidence":0.74853516,"punctuated_word":"Please","sentiment":"neutral","sentiment_score":0.07443022727966309},{"word":"ask","start":86.759995,"end":86.92,"confidence":0.99902344,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.10929237306118011},{"word":"me","start":86.92,"end":87.159996,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1011720895767212},{"word":"any","start":87.159996,"end":87.4,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.11938884109258652},{"word":"questions","start":87.4,"end":87.799995,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.10294321179389954},{"word":"that","start":87.799995,"end":88.04,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10894504189491272},{"word":"you","start":88.04,"end":88.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08947733789682388},{"word":"have","start":88.2,"end":88.7,"confidence":0.953125,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.12296237051486968},{"word":"and","start":88.92,"end":89.08,"confidence":0.8857422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13096986711025238},{"word":"i'll","start":89.08,"end":89.32,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12349580228328703},{"word":"try","start":89.32,"end":89.479996,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.16437780857086182},{"word":"to","start":89.479996,"end":89.64,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17168070375919342},{"word":"make","start":89.64,"end":89.799995,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.15470987558364868},{"word":"it","start":89.799995,"end":89.96,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15595924854278564},{"word":"as","start":89.96,"end":90.2,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15596634149551392},{"word":"easy","start":90.2,"end":90.439995,"confidence":0.9980469,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":0.16100388765335083},{"word":"as","start":90.439995,"end":90.52,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09855081140995026},{"word":"possible","start":90.52,"end":90.92,"confidence":1.0,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.0683661624789238},{"word":"i","start":90.92,"end":91.08,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.051889508962631226},{"word":"do","start":91.08,"end":91.32,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0496915802359581},{"word":"apologize","start":91.32,"end":91.82,"confidence":1.0,"punctuated_word":"apologize","sentiment":"neutral","sentiment_score":-0.08018612116575241},{"word":"in","start":91.88,"end":92.119995,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.002777665853500366},{"word":"advance","start":92.119995,"end":92.619995,"confidence":0.9916992,"punctuated_word":"advance.","sentiment":"neutral","sentiment_score":0.04718323424458504},{"word":"all","start":93.08,"end":93.24,"confidence":0.5649414,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.2820565700531006},{"word":"good","start":93.24,"end":93.74,"confidence":0.99609375,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.28771981596946716},{"word":"easy","start":94.28,"end":94.78,"confidence":0.99853516,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.2292759120464325},{"word":"so","start":95.255,"end":95.494995,"confidence":0.9753418,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.09375950694084167},{"word":"paul","start":95.494995,"end":95.895,"confidence":0.9980469,"punctuated_word":"Paul,","sentiment":"neutral","sentiment_score":0.08014128357172012},{"word":"with","start":95.895,"end":96.134995,"confidence":0.9873047,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07392066717147827},{"word":"this","start":96.134995,"end":96.295,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06630297005176544},{"word":"one","start":96.295,"end":96.615,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05936012044548988},{"word":"here","start":96.615,"end":97.115,"confidence":0.9345703,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.06558176130056381},{"word":"on","start":97.174995,"end":97.335,"confidence":0.96533203,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07131762057542801},{"word":"the","start":97.335,"end":97.494995,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0578019842505455},{"word":"front","start":97.494995,"end":97.655,"confidence":1.0,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.05899889767169952},{"word":"of","start":97.655,"end":97.735,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07483348250389099},{"word":"the","start":97.735,"end":97.814995,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0642586201429367},{"word":"document","start":97.814995,"end":98.134995,"confidence":0.9980469,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.06394855678081512},{"word":"when","start":98.134995,"end":98.295,"confidence":0.57666016,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.06830762326717377},{"word":"you","start":98.295,"end":98.454994,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0567188560962677},{"word":"are","start":98.454994,"end":98.615,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05658309906721115},{"word":"looking","start":98.615,"end":98.935,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.07780534029006958},{"word":"at","start":98.935,"end":99.095,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08221007138490677},{"word":"it","start":99.095,"end":99.174995,"confidence":0.8676758,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.07262037694454193},{"word":"it","start":99.174995,"end":99.255,"confidence":0.8286133,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06640119105577469},{"word":"has","start":99.255,"end":99.415,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.059698931872844696},{"word":"been","start":99.415,"end":99.655,"confidence":0.99121094,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.07774849981069565},{"word":"noted","start":99.655,"end":99.975,"confidence":0.9941406,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.08726520836353302},{"word":"prepared","start":99.975,"end":100.295,"confidence":0.48217773,"punctuated_word":"prepared","sentiment":"neutral","sentiment_score":0.06363941729068756},{"word":"for","start":100.295,"end":100.454994,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06460126489400864},{"word":"yourself","start":100.454994,"end":100.935,"confidence":0.984375,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.07374343276023865},{"word":"forward","start":100.935,"end":101.335,"confidence":0.48120117,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.05918334797024727},{"word":"as","start":101.335,"end":101.575,"confidence":0.9838867,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08394724130630493},{"word":"of","start":101.575,"end":101.735,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07294195145368576},{"word":"the","start":101.735,"end":101.814995,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05941730737686157},{"word":"09/08/2026","start":101.814995,"end":103.835,"confidence":0.97875977,"punctuated_word":"09/08/2026.","sentiment":"neutral","sentiment_score":0.059953473508358},{"word":"all","start":104.055,"end":104.215,"confidence":0.9560547,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.08552874624729156},{"word":"of","start":104.215,"end":104.375,"confidence":0.85546875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09527746587991714},{"word":"our","start":104.375,"end":104.534996,"confidence":0.8510742,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.0861547589302063},{"word":"advice","start":104.534996,"end":104.935,"confidence":0.7685547,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.11789269745349884},{"word":"is","start":104.935,"end":105.095,"confidence":0.98095703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07066719233989716},{"word":"valid","start":105.095,"end":105.335,"confidence":0.97314453,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":0.09585484117269516},{"word":"for","start":105.335,"end":105.494995,"confidence":0.9760742,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06535153090953827},{"word":"sixty","start":105.494995,"end":105.814995,"confidence":0.99902344,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.08969230204820633},{"word":"days","start":105.814995,"end":105.975,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.06922900676727295},{"word":"from","start":105.975,"end":106.215,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.07675285637378693},{"word":"the","start":106.215,"end":106.295,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06263729929924011},{"word":"date","start":106.295,"end":106.454994,"confidence":0.6660156,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.07979722321033478},{"word":"of","start":106.454994,"end":106.534996,"confidence":0.98535156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07612989842891693},{"word":"the","start":106.534996,"end":106.695,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06374025344848633},{"word":"document","start":106.695,"end":107.095,"confidence":0.6611328,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.07095065712928772},{"word":"so","start":107.095,"end":107.174995,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0717863216996193},{"word":"you","start":107.174995,"end":107.335,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06452038884162903},{"word":"can","start":107.335,"end":107.494995,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07331212610006332},{"word":"take","start":107.494995,"end":107.655,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.06797593832015991},{"word":"some","start":107.655,"end":107.814995,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.06473106145858765},{"word":"time","start":107.814995,"end":108.055,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.09642311185598372},{"word":"to","start":108.055,"end":108.134995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07876129448413849},{"word":"read","start":108.134995,"end":108.375,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.06756263971328735},{"word":"it","start":108.375,"end":108.534996,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06759355962276459},{"word":"through","start":108.534996,"end":108.93,"confidence":0.826416,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.015269802883267404},{"word":"and","start":109.090004,"end":109.33,"confidence":0.9873047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1970263868570328},{"word":"then","start":109.33,"end":109.41,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.17057807743549347},{"word":"if","start":109.41,"end":109.57,"confidence":0.9892578,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2443310171365738},{"word":"you're","start":109.57,"end":109.65,"confidence":0.9680176,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3023778200149536},{"word":"happy","start":109.65,"end":109.89,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.4027523398399353},{"word":"to","start":109.89,"end":110.05,"confidence":0.9921875,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.36418941617012024},{"word":"take","start":110.05,"end":110.21,"confidence":0.9980469,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.3896053433418274},{"word":"on","start":110.21,"end":110.37,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4447575807571411},{"word":"the","start":110.37,"end":110.61,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.47886380553245544},{"word":"recommendations","start":110.61,"end":111.11,"confidence":0.9921875,"punctuated_word":"recommendations,","sentiment":"positive","sentiment_score":0.3935797810554504},{"word":"we'll","start":111.17,"end":111.41,"confidence":0.99902344,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.3352994918823242},{"word":"get","start":111.41,"end":111.57,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3464001417160034},{"word":"you","start":111.57,"end":111.73,"confidence":0.9707031,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35069844126701355},{"word":"signed","start":111.73,"end":111.97,"confidence":0.4428711,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.3196509778499603},{"word":"and","start":111.97,"end":112.13,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29238441586494446},{"word":"return","start":112.13,"end":112.45,"confidence":0.95703125,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.34502512216567993},{"word":"that","start":112.45,"end":112.61,"confidence":0.9970703,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3872421383857727},{"word":"back","start":112.61,"end":112.85,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.3262391984462738},{"word":"there","start":112.85,"end":113.09,"confidence":0.9941406,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3865051567554474},{"word":"for","start":113.09,"end":113.25,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.31925761699676514},{"word":"us","start":113.25,"end":113.65,"confidence":1.0,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.27713218331336975},{"word":"okay","start":113.65,"end":114.15,"confidence":0.99365234,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.3058772087097168},{"word":"on","start":115.41,"end":115.57,"confidence":0.90527344,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.291558176279068},{"word":"the","start":115.57,"end":115.73,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2423504143953323},{"word":"bottom","start":115.73,"end":115.97,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.1850094199180603},{"word":"of","start":115.97,"end":116.13,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20396023988723755},{"word":"the","start":116.13,"end":116.29,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20297154784202576},{"word":"document","start":116.29,"end":116.69,"confidence":0.9980469,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.1752205491065979},{"word":"prepared","start":116.69,"end":117.09,"confidence":0.8535156,"punctuated_word":"prepared","sentiment":"neutral","sentiment_score":0.10859744250774384},{"word":"by","start":117.09,"end":117.25,"confidence":0.99609375,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.11194393783807756},{"word":"myself","start":117.25,"end":117.57,"confidence":0.9980469,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":0.1806102991104126},{"word":"here","start":117.57,"end":117.81,"confidence":0.9812012,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.1815658807754517},{"word":"dana","start":117.81,"end":118.13,"confidence":0.9453125,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.19388824701309204},{"word":"taylor","start":118.13,"end":118.53,"confidence":0.9477539,"punctuated_word":"Taylor,","sentiment":"neutral","sentiment_score":0.15820170938968658},{"word":"and","start":118.53,"end":118.69,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11689308285713196},{"word":"my","start":118.69,"end":119.19,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.15618649125099182},{"word":"my","start":119.57,"end":119.65,"confidence":0.80126953,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.14368949830532074},{"word":"team","start":119.65,"end":119.89,"confidence":0.9970703,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.15349800884723663},{"word":"here","start":119.89,"end":120.05,"confidence":0.9980469,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.18447548151016235},{"word":"at","start":120.05,"end":120.21,"confidence":0.7529297,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.22151662409305573},{"word":"ofori","start":120.21,"end":120.61,"confidence":0.38399252,"punctuated_word":"Ofori","sentiment":"neutral","sentiment_score":0.1559811532497406},{"word":"financial","start":120.61,"end":121.11,"confidence":0.8161621,"punctuated_word":"Financial,","sentiment":"neutral","sentiment_score":0.15039457380771637},{"word":"and","start":121.17,"end":121.33,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0949585810303688},{"word":"my","start":121.33,"end":121.57,"confidence":0.9970703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.10243945568799973},{"word":"authorized","start":121.57,"end":122.07,"confidence":0.98828125,"punctuated_word":"authorized","sentiment":"neutral","sentiment_score":0.09980511665344238},{"word":"representative","start":122.365005,"end":122.685005,"confidence":0.99316406,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.07942114025354385},{"word":"number","start":122.685005,"end":122.925,"confidence":0.9970703,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.08085379749536514},{"word":"is","start":122.925,"end":123.165,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.050408490002155304},{"word":"13043","start":123.165,"end":124.525,"confidence":0.99960935,"punctuated_word":"13043","sentiment":"neutral","sentiment_score":0.05762533098459244},{"word":"sorry","start":124.685005,"end":125.005005,"confidence":0.7558594,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.01757676899433136},{"word":"130","start":125.005005,"end":125.645004,"confidence":0.99934894,"punctuated_word":"130","sentiment":"neutral","sentiment_score":0.008950927294790745},{"word":"4394","start":125.645004,"end":126.765,"confidence":0.99658203,"punctuated_word":"4394.","sentiment":"neutral","sentiment_score":0.008209440857172012},{"word":"my","start":126.765,"end":126.925,"confidence":0.9980469,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.08492965996265411},{"word":"apologies","start":126.925,"end":127.325005,"confidence":0.96069336,"punctuated_word":"apologies.","sentiment":"neutral","sentiment_score":-0.16590964794158936},{"word":"a","start":127.325005,"end":127.405,"confidence":0.7373047,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.2224351316690445},{"word":"bit","start":127.405,"end":127.645004,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2209983468055725},{"word":"tongue","start":127.645004,"end":127.805,"confidence":0.9863281,"punctuated_word":"tongue","sentiment":"neutral","sentiment_score":-0.2837909758090973},{"word":"tied","start":127.805,"end":128.045,"confidence":0.92578125,"punctuated_word":"tied","sentiment":"neutral","sentiment_score":-0.3081129491329193},{"word":"this","start":128.045,"end":128.285,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.1919911503791809},{"word":"afternoon","start":128.285,"end":128.785,"confidence":0.97143555,"punctuated_word":"afternoon.","sentiment":"neutral","sentiment_score":-0.15259334444999695},{"word":"and","start":130.045,"end":130.205,"confidence":0.82373047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.03678344935178757},{"word":"i'm","start":130.205,"end":130.445,"confidence":0.98095703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.010017484426498411},{"word":"registered","start":130.445,"end":130.925,"confidence":0.9921875,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.010337023064494131},{"word":"as","start":130.925,"end":131.085,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.009597733616828918},{"word":"an","start":131.085,"end":131.245,"confidence":0.99121094,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.00824073888361454},{"word":"adviser","start":131.245,"end":131.725,"confidence":0.9350586,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.001130048185586929},{"word":"with","start":131.725,"end":131.965,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02306261472404003},{"word":"asic","start":131.965,"end":132.285,"confidence":0.7001953,"punctuated_word":"ASIC","sentiment":"neutral","sentiment_score":0.028726499527692795},{"word":"there","start":132.285,"end":132.525,"confidence":0.9921875,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.034071311354637146},{"word":"as","start":132.525,"end":132.685,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03999980539083481},{"word":"well","start":132.685,"end":133.185,"confidence":0.99853516,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.01915592700242996},{"word":"as","start":133.485,"end":133.645,"confidence":0.96875,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.017224587500095367},{"word":"you","start":133.645,"end":133.885,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013675888068974018},{"word":"scroll","start":133.885,"end":134.205,"confidence":0.99316406,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.003838453441858291},{"word":"through","start":134.205,"end":134.525,"confidence":0.9902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.039384424686431885},{"word":"the","start":134.525,"end":134.685,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0503152534365654},{"word":"document","start":134.685,"end":135.085,"confidence":0.99365234,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.0489950031042099},{"word":"you'll","start":135.085,"end":135.325,"confidence":0.9916992,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.0615171454846859},{"word":"see","start":135.325,"end":135.485,"confidence":0.96875,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06218620389699936},{"word":"the","start":135.485,"end":135.75,"confidence":0.84472656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04350989684462547},{"word":"best","start":135.91,"end":135.99,"confidence":0.96875,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.027970675379037857},{"word":"interest","start":135.99,"end":136.23,"confidence":0.9902344,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.04905124008655548},{"word":"duties","start":136.23,"end":136.63,"confidence":0.50512695,"punctuated_word":"duties,","sentiment":"neutral","sentiment_score":0.06382277607917786},{"word":"table","start":136.63,"end":137.03,"confidence":0.9873047,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.06173328682780266},{"word":"of","start":137.03,"end":137.19,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05242149531841278},{"word":"contents","start":137.19,"end":137.67,"confidence":0.88964844,"punctuated_word":"contents,","sentiment":"neutral","sentiment_score":0.04047884792089462},{"word":"and","start":137.67,"end":137.83,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04721181094646454},{"word":"then","start":137.83,"end":138.07,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07203251123428345},{"word":"we've","start":138.07,"end":138.23,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.0598403625190258},{"word":"got","start":138.23,"end":138.39,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.062276266515254974},{"word":"some","start":138.39,"end":138.63,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04410645365715027},{"word":"scoping","start":138.63,"end":139.03,"confidence":0.8746745,"punctuated_word":"scoping,","sentiment":"neutral","sentiment_score":0.02279597520828247},{"word":"some","start":139.03,"end":139.27,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.02315736934542656},{"word":"areas","start":139.27,"end":139.59,"confidence":1.0,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.01828741654753685},{"word":"that","start":139.59,"end":139.75,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009296249598264694},{"word":"we","start":139.75,"end":139.91,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.007772441953420639},{"word":"are","start":139.91,"end":140.07,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0012408681213855743},{"word":"and","start":140.07,"end":140.23,"confidence":0.94140625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03284403309226036},{"word":"are","start":140.23,"end":140.39,"confidence":0.9707031,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.018323108553886417},{"word":"not","start":140.39,"end":140.63,"confidence":0.99121094,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.010124966502189636},{"word":"looking","start":140.63,"end":140.87,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.001968052238225937},{"word":"at","start":140.87,"end":141.03,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.004841536283493042},{"word":"with","start":141.03,"end":141.19,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.00382135808467865},{"word":"regards","start":141.19,"end":141.59,"confidence":0.8071289,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.04281064122915268},{"word":"to","start":141.59,"end":141.75,"confidence":0.90625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04091646522283554},{"word":"this","start":141.75,"end":141.91,"confidence":0.80615234,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.005130238831043243},{"word":"advice","start":141.91,"end":142.31,"confidence":0.8803711,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.001653142273426056},{"word":"piece","start":142.31,"end":142.81,"confidence":0.692749,"punctuated_word":"piece.","sentiment":"neutral","sentiment_score":0.015556585043668749},{"word":"essentially","start":143.51,"end":144.01,"confidence":0.9873047,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.08447232097387314},{"word":"last","start":144.07,"end":144.31,"confidence":0.95703125,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.09037784487009048},{"word":"time","start":144.31,"end":144.55,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.09070362150669098},{"word":"we","start":144.55,"end":144.71,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08525343984365463},{"word":"spoke","start":144.71,"end":145.21,"confidence":0.9741211,"punctuated_word":"spoke,","sentiment":"neutral","sentiment_score":0.09614139050245284},{"word":"your","start":145.27,"end":145.51,"confidence":0.8671875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08176984637975693},{"word":"goal","start":145.51,"end":145.83,"confidence":0.984375,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.09032757580280304},{"word":"to","start":145.83,"end":146.07,"confidence":0.9550781,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1141730099916458},{"word":"access","start":146.07,"end":146.47,"confidence":0.99121094,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.10381651669740675},{"word":"super","start":146.47,"end":146.87,"confidence":0.15283203,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.15941131114959717},{"word":"was","start":146.87,"end":147.03,"confidence":0.9863281,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.07244488596916199},{"word":"around","start":147.03,"end":147.35,"confidence":0.9892578,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.09091641753911972},{"word":"about","start":147.35,"end":147.67,"confidence":0.9394531,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08735837042331696},{"word":"age","start":147.67,"end":147.83,"confidence":0.7163086,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.09455572068691254},{"word":"65","start":147.83,"end":148.55,"confidence":0.9720459,"punctuated_word":"65,","sentiment":"neutral","sentiment_score":0.08952062577009201},{"word":"hopefully","start":148.55,"end":149.03,"confidence":0.81274414,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.14763373136520386},{"word":"drawing","start":149.03,"end":149.27,"confidence":0.97314453,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":0.10845845937728882},{"word":"an","start":149.27,"end":149.43,"confidence":0.97998047,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07553862035274506},{"word":"income","start":149.43,"end":149.75,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.12051551043987274},{"word":"of","start":149.75,"end":150.07,"confidence":0.97314453,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0675821602344513},{"word":"around","start":150.07,"end":150.39,"confidence":0.99121094,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.13138194382190704},{"word":"about","start":150.39,"end":150.615,"confidence":0.984375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14341045916080475},{"word":"$700","start":150.695,"end":151.57501,"confidence":1.0,"punctuated_word":"$700","sentiment":"neutral","sentiment_score":0.12277542799711227},{"word":"per","start":151.57501,"end":151.815,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.08401603996753693},{"word":"week","start":151.815,"end":152.315,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.08709599077701569},{"word":"to","start":152.615,"end":152.77501,"confidence":0.5522461,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12251773476600648},{"word":"cover","start":152.77501,"end":153.175,"confidence":0.9951172,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.13002429902553558},{"word":"your","start":153.175,"end":153.335,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1473725140094757},{"word":"living","start":153.335,"end":153.735,"confidence":1.0,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.10635238885879517},{"word":"expenses","start":153.735,"end":154.235,"confidence":0.99853516,"punctuated_word":"expenses.","sentiment":"neutral","sentiment_score":0.13311812281608582},{"word":"is","start":154.295,"end":154.455,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.12790489196777344},{"word":"that","start":154.455,"end":154.695,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18570756912231445},{"word":"still","start":154.695,"end":154.85501,"confidence":0.9951172,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.12454788386821748},{"word":"fairly","start":154.85501,"end":155.255,"confidence":0.9980469,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.15710289776325226},{"word":"appropriate","start":155.255,"end":155.655,"confidence":1.0,"punctuated_word":"appropriate","sentiment":"neutral","sentiment_score":0.13972261548042297},{"word":"for","start":155.655,"end":155.815,"confidence":0.94628906,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14622125029563904},{"word":"your","start":155.815,"end":155.975,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1474626362323761},{"word":"goal","start":155.975,"end":156.295,"confidence":0.95166016,"punctuated_word":"goal?","sentiment":"neutral","sentiment_score":0.0917692556977272},{"word":"do","start":156.295,"end":156.375,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.007112123072147369},{"word":"you","start":156.375,"end":156.535,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004191376268863678},{"word":"think","start":156.535,"end":156.695,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.01987127959728241},{"word":"that","start":156.695,"end":156.85501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02047674730420113},{"word":"might","start":156.85501,"end":157.095,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.01366964355111122},{"word":"have","start":157.095,"end":157.255,"confidence":0.91845703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.002651173621416092},{"word":"changed","start":157.255,"end":157.57501,"confidence":0.99902344,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.01610565185546875},{"word":"at","start":157.57501,"end":157.735,"confidence":0.90478516,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03168878331780434},{"word":"all","start":157.735,"end":158.235,"confidence":1.0,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.006206132471561432},{"word":"fantastic","start":160.21501,"end":160.71501,"confidence":0.9890137,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6484265327453613},{"word":"i've","start":161.255,"end":161.49501,"confidence":0.99365234,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.46327102184295654},{"word":"also","start":161.49501,"end":161.815,"confidence":0.9980469,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.35471513867378235},{"word":"got","start":161.815,"end":162.05501,"confidence":0.9790039,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.38293734192848206},{"word":"down","start":162.05501,"end":162.21501,"confidence":0.85253906,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.3500877022743225},{"word":"here","start":162.21501,"end":162.455,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.2646500766277313},{"word":"we","start":162.455,"end":162.535,"confidence":0.33496094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.29916107654571533},{"word":"consider","start":162.535,"end":163.015,"confidence":0.7753906,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.2680232524871826},{"word":"your","start":163.015,"end":163.175,"confidence":0.984375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.228896826505661},{"word":"insurances","start":163.175,"end":163.675,"confidence":0.9822591,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":0.21708637475967407},{"word":"so","start":163.895,"end":164.31,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.27027082443237305},{"word":"you","start":164.47,"end":164.63,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29773250222206116},{"word":"were","start":164.63,"end":164.79,"confidence":0.8857422,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.2973669171333313},{"word":"happy","start":164.79,"end":165.19,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.31308943033218384},{"word":"to","start":165.19,"end":165.34999,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2713877558708191},{"word":"retain","start":165.34999,"end":165.67,"confidence":0.99902344,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.2297605723142624},{"word":"the","start":165.67,"end":165.75,"confidence":0.9038086,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2417718917131424},{"word":"level","start":165.75,"end":166.06999,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.257612407207489},{"word":"of","start":166.06999,"end":166.15,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2633117437362671},{"word":"cover","start":166.15,"end":166.39,"confidence":0.97998047,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.1914129853248596},{"word":"you","start":166.39,"end":166.63,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22682060301303864},{"word":"have","start":166.63,"end":166.79,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22313842177391052},{"word":"within","start":166.79,"end":167.11,"confidence":0.9980469,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.22801685333251953},{"word":"mlc","start":167.11,"end":167.59,"confidence":0.9904785,"punctuated_word":"MLC","sentiment":"neutral","sentiment_score":0.24300245940685272},{"word":"at","start":167.59,"end":167.75,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.22939185798168185},{"word":"the","start":167.75,"end":167.91,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20830999314785004},{"word":"time","start":167.91,"end":168.15,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1796274334192276},{"word":"you","start":168.15,"end":168.31,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15863800048828125},{"word":"were","start":168.31,"end":168.39,"confidence":0.85595703,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.14652913808822632},{"word":"having","start":168.39,"end":168.70999,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.17405827343463898},{"word":"so","start":168.79,"end":168.95,"confidence":0.5410156,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1878032088279724},{"word":"you","start":168.95,"end":169.11,"confidence":0.97314453,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19528928399086},{"word":"were","start":169.11,"end":169.19,"confidence":0.7524414,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.19709570705890656},{"word":"on","start":169.19,"end":169.43,"confidence":0.9892578,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2043316662311554},{"word":"light","start":169.43,"end":169.59,"confidence":0.8720703,"punctuated_word":"light","sentiment":"neutral","sentiment_score":0.21660934388637543},{"word":"duties","start":169.59,"end":169.91,"confidence":0.96435547,"punctuated_word":"duties","sentiment":"neutral","sentiment_score":0.20574167370796204},{"word":"and","start":169.91,"end":170.06999,"confidence":0.9472656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15408633649349213},{"word":"having","start":170.06999,"end":170.39,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.20650924742221832},{"word":"some","start":170.39,"end":170.87,"confidence":0.99609375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.21143291890621185},{"word":"shoulder","start":170.87,"end":171.34999,"confidence":0.99902344,"punctuated_word":"shoulder","sentiment":"neutral","sentiment_score":0.1733564734458923},{"word":"surgery","start":171.34999,"end":171.83,"confidence":0.98291016,"punctuated_word":"surgery.","sentiment":"neutral","sentiment_score":0.15305213630199432},{"word":"how","start":171.83,"end":172.06999,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.10008709877729416},{"word":"did","start":172.06999,"end":172.31,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.1096910834312439},{"word":"that","start":172.31,"end":172.47,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17866194248199463},{"word":"go","start":172.47,"end":172.70999,"confidence":0.739624,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.14556273818016052},{"word":"and","start":172.70999,"end":172.95,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09600700438022614},{"word":"are","start":172.95,"end":173.03,"confidence":0.99121094,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10521520674228668},{"word":"you","start":173.03,"end":173.19,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.122573621571064},{"word":"back","start":173.19,"end":173.51,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1394069641828537},{"word":"sort","start":173.51,"end":173.67,"confidence":0.42871094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1406193971633911},{"word":"of","start":173.67,"end":173.75,"confidence":0.9003906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12702414393424988},{"word":"full","start":173.75,"end":173.98999,"confidence":0.9980469,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.11936326324939728},{"word":"time","start":173.98999,"end":174.23,"confidence":0.89624023,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.14279666543006897},{"word":"or","start":174.23,"end":174.39,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1420375108718872},{"word":"how","start":174.39,"end":174.55,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0821581706404686},{"word":"was","start":174.55,"end":174.79,"confidence":0.57714844,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.08372832089662552},{"word":"everything","start":174.79,"end":175.19,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.11412496864795683},{"word":"since","start":175.19,"end":175.51,"confidence":0.99902344,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.08863049745559692},{"word":"that","start":175.51,"end":175.67,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07128342241048813},{"word":"surgery","start":175.67,"end":176.17,"confidence":1.0,"punctuated_word":"surgery?","sentiment":"neutral","sentiment_score":0.049940094351768494},{"word":"yeah","start":179.895,"end":180.395,"confidence":0.98657227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07962682843208313},{"word":"okay","start":184.375,"end":184.875,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0850621685385704},{"word":"oh","start":189.49501,"end":189.815,"confidence":0.8588867,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.2271457314491272},{"word":"yeah","start":189.815,"end":190.29501,"confidence":0.95532227,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.2331429123878479},{"word":"you","start":190.29501,"end":190.455,"confidence":0.9941406,"punctuated_word":"You","sentiment":"negative","sentiment_score":-0.586246132850647},{"word":"poor","start":190.455,"end":190.695,"confidence":0.98095703,"punctuated_word":"poor","sentiment":"negative","sentiment_score":-0.5510444641113281},{"word":"thing","start":190.695,"end":191.095,"confidence":0.98999023,"punctuated_word":"thing.","sentiment":"negative","sentiment_score":-0.5205225348472595},{"word":"oh","start":191.095,"end":191.255,"confidence":0.82958984,"punctuated_word":"Oh,","sentiment":"negative","sentiment_score":-0.4574244618415833},{"word":"you","start":191.255,"end":191.335,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.503127932548523},{"word":"must","start":191.335,"end":191.57501,"confidence":1.0,"punctuated_word":"must","sentiment":"negative","sentiment_score":-0.4978129267692566},{"word":"be","start":191.57501,"end":191.735,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4970472455024719},{"word":"in","start":191.735,"end":191.895,"confidence":0.9980469,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.5423573851585388},{"word":"pain","start":191.895,"end":192.13501,"confidence":1.0,"punctuated_word":"pain","sentiment":"negative","sentiment_score":-0.48752447962760925},{"word":"as","start":192.13501,"end":192.39,"confidence":1.0,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.4515642821788788},{"word":"well","start":192.39,"end":192.71,"confidence":1.0,"punctuated_word":"well","sentiment":"negative","sentiment_score":-0.41109728813171387},{"word":"while","start":192.71,"end":192.87,"confidence":0.9741211,"punctuated_word":"while","sentiment":"negative","sentiment_score":-0.3562996983528137},{"word":"they're","start":192.87,"end":193.03,"confidence":0.87158203,"punctuated_word":"they're","sentiment":"negative","sentiment_score":-0.3580145239830017},{"word":"trying","start":193.03,"end":193.27,"confidence":0.9892578,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.29730847477912903},{"word":"to","start":193.27,"end":193.35,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3207411468029022},{"word":"figure","start":193.35,"end":193.59,"confidence":1.0,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":-0.3236789405345917},{"word":"it","start":193.59,"end":193.75,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2620584964752197},{"word":"all","start":193.75,"end":193.99,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.20538656413555145},{"word":"out","start":193.99,"end":194.49,"confidence":0.99853516,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.20537811517715457},{"word":"no","start":196.06999,"end":196.47,"confidence":0.97802734,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.28653621673583984},{"word":"i'm","start":196.47,"end":196.70999,"confidence":0.99121094,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.26859450340270996},{"word":"so","start":196.70999,"end":197.03,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.22420504689216617},{"word":"sorry","start":197.03,"end":197.27,"confidence":1.0,"punctuated_word":"sorry","sentiment":"neutral","sentiment_score":-0.2680150270462036},{"word":"to","start":197.27,"end":197.43,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2475104033946991},{"word":"hear","start":197.43,"end":197.59,"confidence":1.0,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.2435409277677536},{"word":"that","start":197.59,"end":197.91,"confidence":0.99853516,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.19917792081832889},{"word":"paul","start":197.91,"end":198.15,"confidence":0.9980469,"punctuated_word":"Paul.","sentiment":"neutral","sentiment_score":-0.1858525276184082},{"word":"well","start":198.15,"end":198.39,"confidence":0.8713379,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.025380779057741165},{"word":"we'll","start":198.39,"end":198.55,"confidence":0.736084,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.023638999089598656},{"word":"definitely","start":198.55,"end":198.95,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.08009551465511322},{"word":"retain","start":198.95,"end":199.27,"confidence":0.97314453,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.03250204026699066},{"word":"those","start":199.27,"end":199.51,"confidence":0.5410156,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.010491222143173218},{"word":"insurances","start":199.51,"end":199.99,"confidence":0.99902344,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.016599904745817184},{"word":"for","start":199.99,"end":200.23,"confidence":0.95166016,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04388214647769928},{"word":"the","start":200.23,"end":200.39,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025592826306819916},{"word":"time","start":200.39,"end":200.63,"confidence":0.9980469,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.05917706340551376},{"word":"being","start":200.63,"end":200.79,"confidence":0.9169922,"punctuated_word":"being,","sentiment":"neutral","sentiment_score":0.006622977554798126},{"word":"but","start":200.79,"end":200.95,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03943529725074768},{"word":"i","start":200.95,"end":201.11,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.033658333122730255},{"word":"have","start":201.11,"end":201.27,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07823639363050461},{"word":"this","start":201.27,"end":201.43,"confidence":0.57128906,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.03602807968854904},{"word":"i","start":201.51,"end":201.67,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09483127295970915},{"word":"have","start":201.67,"end":201.91,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08041620999574661},{"word":"considered","start":201.91,"end":202.31,"confidence":0.984375,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":0.052406638860702515},{"word":"them","start":202.31,"end":202.55,"confidence":0.9970703,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.009125106036663055},{"word":"as","start":202.55,"end":202.70999,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0900154560804367},{"word":"part","start":202.70999,"end":202.87,"confidence":1.0,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.07156872749328613},{"word":"of","start":202.87,"end":202.95,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07970437407493591},{"word":"the","start":202.95,"end":203.11,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07312308251857758},{"word":"advice","start":203.11,"end":203.51,"confidence":0.99121094,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.047276534140110016},{"word":"because","start":203.51,"end":203.99,"confidence":0.861084,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.046608973294496536},{"word":"essentially","start":203.99,"end":204.49,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.0310526005923748},{"word":"they","start":204.79,"end":204.95,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.008442044258117676},{"word":"are","start":204.95,"end":205.11,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04554453492164612},{"word":"paid","start":205.11,"end":205.35,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.06112357974052429},{"word":"out","start":205.35,"end":205.51,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.05151861160993576},{"word":"of","start":205.51,"end":205.67,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03248757869005203},{"word":"your","start":205.67,"end":205.91,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.033508822321891785},{"word":"super","start":205.91,"end":206.41,"confidence":0.75683594,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.07256026566028595},{"word":"so","start":206.82501,"end":206.985,"confidence":0.97998047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0726238265633583},{"word":"it's","start":206.985,"end":207.225,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1186334639787674},{"word":"important","start":207.225,"end":207.625,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.0817282646894455},{"word":"to","start":207.625,"end":207.785,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0974910482764244},{"word":"consider","start":207.785,"end":208.185,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.10736438632011414},{"word":"them","start":208.185,"end":208.425,"confidence":0.9951172,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.0594199001789093},{"word":"when","start":208.425,"end":208.585,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08251507580280304},{"word":"we","start":208.585,"end":208.74501,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.102522075176239},{"word":"are","start":208.74501,"end":208.905,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12951654195785522},{"word":"projecting","start":208.905,"end":209.38501,"confidence":0.9951172,"punctuated_word":"projecting","sentiment":"neutral","sentiment_score":0.15744076669216156},{"word":"things","start":209.38501,"end":209.705,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.20869410037994385},{"word":"forward","start":209.705,"end":210.10501,"confidence":0.99609375,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.17333485186100006},{"word":"for","start":210.10501,"end":210.265,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2045269310474396},{"word":"you","start":210.265,"end":210.74501,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.08248170465230942},{"word":"okay","start":210.74501,"end":211.24501,"confidence":0.9926758,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.08546528220176697},{"word":"we've","start":212.10501,"end":212.425,"confidence":0.93725586,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.08750875294208527},{"word":"also","start":212.425,"end":212.66501,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08326227217912674},{"word":"got","start":212.66501,"end":212.905,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09966109693050385},{"word":"the","start":212.905,"end":213.065,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08471252024173737},{"word":"estate","start":213.065,"end":213.46501,"confidence":0.99316406,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.09511588513851166},{"word":"planning","start":213.46501,"end":213.96501,"confidence":0.9946289,"punctuated_word":"planning.","sentiment":"neutral","sentiment_score":0.11540021002292632},{"word":"essentially","start":214.185,"end":214.585,"confidence":0.984375,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.09153525531291962},{"word":"you","start":214.585,"end":214.74501,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10423091799020769},{"word":"do","start":214.74501,"end":214.905,"confidence":0.9790039,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09554357826709747},{"word":"have","start":214.905,"end":215.065,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09681364893913268},{"word":"your","start":215.065,"end":215.30501,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08396485447883606},{"word":"beneficiaries","start":215.30501,"end":215.80501,"confidence":0.99609375,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.10320068895816804},{"word":"on","start":215.865,"end":216.02501,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06972067058086395},{"word":"file","start":216.02501,"end":216.265,"confidence":0.9746094,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.032485682517290115},{"word":"you","start":216.265,"end":216.425,"confidence":1.0,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5522220730781555},{"word":"are","start":216.425,"end":216.585,"confidence":0.6699219,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.5584498047828674},{"word":"happy","start":216.585,"end":216.905,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6436165571212769},{"word":"to","start":216.905,"end":217.065,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5062452554702759},{"word":"do","start":217.065,"end":217.225,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5818260312080383},{"word":"so","start":217.225,"end":217.46501,"confidence":0.8835449,"punctuated_word":"so,","sentiment":"positive","sentiment_score":0.5576027035713196},{"word":"but","start":217.46501,"end":217.625,"confidence":1.0,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.42982104420661926},{"word":"i","start":217.625,"end":217.785,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2688983082771301},{"word":"have","start":217.785,"end":217.945,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2862709164619446},{"word":"put","start":217.945,"end":218.10501,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.25481846928596497},{"word":"a","start":218.10501,"end":218.265,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1897448897361755},{"word":"little","start":218.265,"end":218.505,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.14200611412525177},{"word":"bit","start":218.505,"end":218.66501,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20783072710037231},{"word":"in","start":218.66501,"end":218.82501,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29020926356315613},{"word":"here","start":218.82501,"end":218.985,"confidence":1.0,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.3403678834438324},{"word":"to","start":218.985,"end":219.145,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2476334571838379},{"word":"recommend","start":219.145,"end":219.545,"confidence":0.99902344,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":0.20818880200386047},{"word":"that","start":219.545,"end":219.705,"confidence":0.98535156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21123269200325012},{"word":"you","start":219.705,"end":219.865,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23515531420707703},{"word":"do","start":219.865,"end":220.11,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1486615091562271},{"word":"speak","start":220.11,"end":220.27,"confidence":0.99609375,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.1831364631652832},{"word":"to","start":220.27,"end":220.51,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2492161840200424},{"word":"a","start":220.51,"end":220.59,"confidence":0.8095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2069564312696457},{"word":"solicitor","start":220.59,"end":221.09,"confidence":1.0,"punctuated_word":"solicitor","sentiment":"neutral","sentiment_score":0.18294961750507355},{"word":"to","start":221.15,"end":221.31,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17131148278713226},{"word":"draw","start":221.31,"end":221.55,"confidence":0.9970703,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.19397477805614471},{"word":"up","start":221.55,"end":221.71,"confidence":0.98535156,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.20262910425662992},{"word":"a","start":221.71,"end":221.79,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.244229257106781},{"word":"will","start":221.79,"end":222.03,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.20469197630882263},{"word":"and","start":222.03,"end":222.11,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14085546135902405},{"word":"power","start":222.11,"end":222.43001,"confidence":0.9941406,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.14244899153709412},{"word":"of","start":222.43001,"end":222.59,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13223432004451752},{"word":"attorney","start":222.59,"end":222.99,"confidence":0.99902344,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.07349488139152527},{"word":"to","start":222.99,"end":223.15,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11317604035139084},{"word":"make","start":223.15,"end":223.31,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.13436821103096008},{"word":"sure","start":223.31,"end":223.81,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2050042450428009},{"word":"the","start":223.87,"end":224.03,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3085362911224365},{"word":"other","start":224.03,"end":224.27,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2385273873806},{"word":"areas","start":224.27,"end":224.67,"confidence":1.0,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.22690242528915405},{"word":"of","start":224.67,"end":224.91,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2950735092163086},{"word":"estate","start":224.91,"end":225.15,"confidence":0.7207031,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.20878568291664124},{"word":"planning","start":225.15,"end":225.65,"confidence":0.99902344,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.2990100383758545},{"word":"are","start":225.71,"end":225.87,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.24702338874340057},{"word":"fully","start":225.87,"end":226.27,"confidence":1.0,"punctuated_word":"fully","sentiment":"positive","sentiment_score":0.3732503950595856},{"word":"sorted","start":226.27,"end":226.67,"confidence":0.9980469,"punctuated_word":"sorted","sentiment":"neutral","sentiment_score":0.25892412662506104},{"word":"for","start":226.67,"end":226.83,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18595507740974423},{"word":"you","start":226.83,"end":226.99,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19235265254974365},{"word":"and","start":226.99,"end":227.15,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13778510689735413},{"word":"your","start":227.15,"end":227.31,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1717973351478577},{"word":"family","start":227.31,"end":227.81,"confidence":0.9995117,"punctuated_word":"family.","sentiment":"neutral","sentiment_score":0.138801246881485},{"word":"okay","start":227.95,"end":228.45,"confidence":0.9760742,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12431962043046953},{"word":"excellent","start":229.55,"end":230.05,"confidence":0.9980469,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5124123096466064},{"word":"areas","start":230.19,"end":230.51,"confidence":0.9902344,"punctuated_word":"Areas","sentiment":"neutral","sentiment_score":0.004555158317089081},{"word":"that","start":230.51,"end":230.67,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0918998271226883},{"word":"we're","start":230.67,"end":230.83,"confidence":0.9926758,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.10767492651939392},{"word":"not","start":230.83,"end":231.07,"confidence":0.99609375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.20715446770191193},{"word":"looking","start":231.07,"end":231.31,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.1537204533815384},{"word":"for","start":231.31,"end":231.55,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.14486199617385864},{"word":"advice","start":231.55,"end":231.87,"confidence":0.96777344,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.18634247779846191},{"word":"at","start":231.87,"end":231.95,"confidence":0.96533203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.19462938606739044},{"word":"the","start":231.95,"end":232.11,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18868525326251984},{"word":"moment","start":232.11,"end":232.43,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.2540549337863922},{"word":"is","start":232.43,"end":232.59,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.17950648069381714},{"word":"around","start":232.59,"end":232.83,"confidence":0.9951172,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.08611758053302765},{"word":"income","start":232.83,"end":233.15,"confidence":0.99316406,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.1513769030570984},{"word":"protection","start":233.15,"end":233.55,"confidence":0.98828125,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.15142777562141418},{"word":"and","start":233.55,"end":233.71,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.24099674820899963},{"word":"trauma","start":233.71,"end":234.11,"confidence":0.9890137,"punctuated_word":"trauma.","sentiment":"neutral","sentiment_score":-0.16016241908073425},{"word":"so","start":234.11,"end":234.27,"confidence":0.95166016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09723280370235445},{"word":"you","start":234.27,"end":234.43,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08482673764228821},{"word":"do","start":234.43,"end":234.59,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04750492051243782},{"word":"hold","start":234.59,"end":234.83,"confidence":0.9951172,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.09690535068511964},{"word":"life","start":234.83,"end":235.07,"confidence":0.90722656,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.12410525977611542},{"word":"and","start":235.07,"end":235.23,"confidence":0.63964844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11703808605670928},{"word":"tpd","start":235.23,"end":235.71,"confidence":0.74316406,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":-0.05346759408712387},{"word":"but","start":235.71,"end":235.87,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.026054468005895615},{"word":"no","start":235.87,"end":236.085,"confidence":0.9980469,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.11925651133060455},{"word":"income","start":236.16501,"end":236.565,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.1045309081673622},{"word":"protection","start":236.565,"end":236.88501,"confidence":0.9404297,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.06521996855735779},{"word":"or","start":236.88501,"end":237.125,"confidence":0.99121094,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1599874347448349},{"word":"trauma","start":237.125,"end":237.625,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.12087348848581314},{"word":"because","start":237.68501,"end":238.005,"confidence":0.49853516,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.17013908922672272},{"word":"you","start":238.005,"end":238.16501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18021723628044128},{"word":"are","start":238.16501,"end":238.32501,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.13411065936088562},{"word":"on","start":238.32501,"end":238.485,"confidence":0.98828125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.13478800654411316},{"word":"light","start":238.485,"end":238.645,"confidence":0.71484375,"punctuated_word":"light","sentiment":"neutral","sentiment_score":-0.13386858999729156},{"word":"duties","start":238.645,"end":238.96501,"confidence":0.9589844,"punctuated_word":"duties","sentiment":"neutral","sentiment_score":-0.1571914702653885},{"word":"and","start":238.96501,"end":239.205,"confidence":0.95703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.18318577110767365},{"word":"about","start":239.205,"end":239.445,"confidence":0.9614258,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.18126174807548523},{"word":"to","start":239.445,"end":239.52501,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15743957459926605},{"word":"go","start":239.52501,"end":239.765,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.21851344406604767},{"word":"through","start":239.765,"end":240.005,"confidence":0.99609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.2029646933078766},{"word":"surgery","start":240.005,"end":240.505,"confidence":0.91967773,"punctuated_word":"surgery.","sentiment":"neutral","sentiment_score":-0.1946851909160614},{"word":"generally","start":240.565,"end":240.96501,"confidence":0.9628906,"punctuated_word":"Generally,","sentiment":"neutral","sentiment_score":-0.1247917413711548},{"word":"to","start":240.96501,"end":241.04501,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14435185492038727},{"word":"get","start":241.04501,"end":241.365,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.14464148879051208},{"word":"new","start":241.365,"end":241.52501,"confidence":0.9863281,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.12486837804317474},{"word":"cover","start":241.52501,"end":241.845,"confidence":0.97875977,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":-0.09535730630159378},{"word":"we","start":241.845,"end":242.005,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08289814740419388},{"word":"would","start":242.005,"end":242.24501,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08050966262817383},{"word":"have","start":242.24501,"end":242.405,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07334115356206894},{"word":"to","start":242.405,"end":242.565,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0790172591805458},{"word":"be","start":242.565,"end":242.725,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.05211300402879715},{"word":"able","start":242.725,"end":243.225,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.0035543330013751984},{"word":"to","start":243.445,"end":243.52501,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.021116778254508972},{"word":"see","start":243.52501,"end":243.68501,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.004179522395133972},{"word":"you","start":243.68501,"end":243.845,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03695182502269745},{"word":"through","start":243.845,"end":244.085,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.034287743270397186},{"word":"that","start":244.085,"end":244.32501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.030069299042224884},{"word":"first","start":244.32501,"end":244.82501,"confidence":0.9980469,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.08475780487060547},{"word":"and","start":245.125,"end":245.285,"confidence":0.67578125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.017836377024650574},{"word":"make","start":245.285,"end":245.445,"confidence":0.99316406,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.021099872887134552},{"word":"sure","start":245.445,"end":245.60501,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.014510169625282288},{"word":"that","start":245.60501,"end":245.925,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03501715511083603},{"word":"you're","start":245.925,"end":246.16501,"confidence":0.84155273,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.04790518805384636},{"word":"on","start":246.16501,"end":246.32501,"confidence":0.9873047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04305170476436615},{"word":"the","start":246.32501,"end":246.405,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08036380261182785},{"word":"other","start":246.405,"end":246.645,"confidence":0.9941406,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0433984249830246},{"word":"side","start":246.645,"end":246.80501,"confidence":0.9980469,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.026259198784828183},{"word":"of","start":246.80501,"end":246.96501,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.019382506608963013},{"word":"it","start":246.96501,"end":247.125,"confidence":0.83203125,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.03591341897845268},{"word":"the","start":247.125,"end":247.205,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.020507752895355225},{"word":"recovery","start":247.205,"end":247.705,"confidence":0.9970703,"punctuated_word":"recovery","sentiment":"neutral","sentiment_score":-0.05308208614587784},{"word":"side","start":247.765,"end":248.005,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.018060162663459774},{"word":"of","start":248.005,"end":248.085,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02799970656633377},{"word":"things","start":248.085,"end":248.405,"confidence":0.87280273,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.026687338948249817},{"word":"and","start":248.405,"end":248.565,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09512969851493835},{"word":"see","start":248.565,"end":249.03,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.08173197507858276},{"word":"what","start":249.11,"end":249.43,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05066598579287529},{"word":"the","start":249.43,"end":249.51,"confidence":0.8461914,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05977892130613327},{"word":"doctor's","start":249.51,"end":249.99,"confidence":0.9716797,"punctuated_word":"doctor's","sentiment":"neutral","sentiment_score":-0.07452501356601715},{"word":"report","start":249.99,"end":250.31,"confidence":0.9140625,"punctuated_word":"report","sentiment":"neutral","sentiment_score":-0.113596111536026},{"word":"show","start":250.31,"end":250.81,"confidence":0.9267578,"punctuated_word":"show.","sentiment":"neutral","sentiment_score":-0.0739629715681076},{"word":"we","start":250.95,"end":251.19,"confidence":0.7392578,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.024622894823551175},{"word":"can","start":251.19,"end":251.35,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.01575843244791031},{"word":"look","start":251.35,"end":251.67,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.007041469216346741},{"word":"at","start":251.67,"end":251.75,"confidence":0.9604492,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.009425245225429537},{"word":"additional","start":251.75,"end":252.15,"confidence":0.99902344,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.03535146266222},{"word":"insurances","start":252.15,"end":252.65,"confidence":0.98657227,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.007746979594230652},{"word":"down","start":252.70999,"end":252.95,"confidence":0.9970703,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.07958480715751648},{"word":"the","start":252.95,"end":253.03,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04137047380208969},{"word":"track","start":253.03,"end":253.35,"confidence":0.99316406,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.05466783791780472},{"word":"for","start":253.35,"end":253.51,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.046450063586235046},{"word":"you","start":253.51,"end":253.67,"confidence":0.7961426,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.0005925893783569336},{"word":"but","start":253.67,"end":253.83,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04320970177650452},{"word":"for","start":253.83,"end":254.06999,"confidence":0.97998047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.003906868398189545},{"word":"the","start":254.06999,"end":254.15,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00899776816368103},{"word":"time","start":254.15,"end":254.39,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.033040136098861694},{"word":"being","start":254.39,"end":254.63,"confidence":0.90063477,"punctuated_word":"being,","sentiment":"neutral","sentiment_score":0.022663049399852753},{"word":"we're","start":254.63,"end":254.70999,"confidence":0.98046875,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.011654498986899853},{"word":"just","start":254.70999,"end":254.95,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03819863498210907},{"word":"retaining","start":254.95,"end":255.35,"confidence":0.99609375,"punctuated_word":"retaining","sentiment":"neutral","sentiment_score":0.00042116641998291016},{"word":"what","start":255.35,"end":255.51,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08787451684474945},{"word":"you","start":255.51,"end":255.75,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.040616169571876526},{"word":"currently","start":255.75,"end":256.15,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.013028934597969055},{"word":"have","start":256.15,"end":256.65,"confidence":0.9926758,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":-0.03324557840824127},{"word":"and","start":256.71,"end":256.95,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15084339678287506},{"word":"last","start":256.95,"end":257.11,"confidence":0.9873047,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.11958364397287367},{"word":"time","start":257.11,"end":257.35,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.10944628715515135},{"word":"you","start":257.35,"end":257.51,"confidence":0.93847656,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3425177037715912},{"word":"and","start":257.51,"end":257.75,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.34993109107017517},{"word":"i","start":257.75,"end":257.91,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.33680784702301025},{"word":"spoke","start":257.91,"end":258.15,"confidence":0.9794922,"punctuated_word":"spoke,","sentiment":"positive","sentiment_score":0.39775872230529785},{"word":"you","start":258.15,"end":258.31,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4432246387004852},{"word":"were","start":258.31,"end":258.47,"confidence":0.7988281,"punctuated_word":"were","sentiment":"positive","sentiment_score":0.41829004883766174},{"word":"happy","start":258.47,"end":258.79,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.430248886346817},{"word":"with","start":258.79,"end":259.03,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4558788239955902},{"word":"that","start":259.03,"end":259.19,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3719725608825683},{"word":"as","start":259.19,"end":259.35,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3076232969760895},{"word":"well","start":259.35,"end":259.83,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2397374212741852},{"word":"okay","start":259.83,"end":260.33,"confidence":0.97265625,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1765010952949524},{"word":"excellent","start":261.35,"end":261.85,"confidence":0.99658203,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4864022731781006},{"word":"and","start":262.525,"end":262.605,"confidence":0.748291,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.19423094391822815},{"word":"also","start":262.605,"end":263.085,"confidence":1.0,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":0.1872563511133194},{"word":"cash","start":263.085,"end":263.325,"confidence":0.94384766,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.2910537123680115},{"word":"flow","start":263.325,"end":263.485,"confidence":0.72802734,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.271714448928833},{"word":"and","start":263.485,"end":263.645,"confidence":0.70458984,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1292218118906021},{"word":"budgeting","start":263.645,"end":264.125,"confidence":0.9210612,"punctuated_word":"budgeting.","sentiment":"neutral","sentiment_score":0.15848968923091888},{"word":"so","start":264.125,"end":264.285,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.058253224939107895},{"word":"you","start":264.285,"end":264.525,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0492466501891613},{"word":"are","start":264.525,"end":264.685,"confidence":0.89746094,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0700303316116333},{"word":"looking","start":264.685,"end":265.005,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.059512145817279816},{"word":"to","start":265.005,"end":265.165,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04799191281199455},{"word":"purchase","start":265.165,"end":265.485,"confidence":0.99609375,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.06756661832332611},{"word":"a","start":265.485,"end":265.645,"confidence":0.94189453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06081602722406387},{"word":"house","start":265.645,"end":265.965,"confidence":1.0,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.08437183499336243},{"word":"over","start":265.965,"end":266.125,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.07457134872674942},{"word":"the","start":266.125,"end":266.205,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05952536314725876},{"word":"next","start":266.205,"end":266.445,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07530102133750916},{"word":"sort","start":266.445,"end":266.605,"confidence":0.88134766,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.036509908735752106},{"word":"of","start":266.605,"end":266.765,"confidence":0.9614258,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.059130411595106125},{"word":"twelve","start":266.765,"end":267.005,"confidence":0.99902344,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.054969243705272675},{"word":"months","start":267.005,"end":267.325,"confidence":0.9921875,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.07108776271343231},{"word":"or","start":267.325,"end":267.565,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06305791437625885},{"word":"so","start":267.565,"end":268.065,"confidence":0.9926758,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.04887443780899048},{"word":"is","start":268.365,"end":268.525,"confidence":0.97265625,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.009156374260783195},{"word":"that","start":268.525,"end":268.765,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.053525812923908234},{"word":"still","start":268.765,"end":269.005,"confidence":0.97265625,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.034478649497032166},{"word":"a","start":269.005,"end":269.085,"confidence":0.83984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04744136333465576},{"word":"goal","start":269.085,"end":269.325,"confidence":0.9560547,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.04773277789354324},{"word":"down","start":269.325,"end":269.485,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08745318651199341},{"word":"the","start":269.485,"end":269.645,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0599968358874321},{"word":"track","start":269.645,"end":269.885,"confidence":0.91748047,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.04178494215011597},{"word":"or","start":269.885,"end":270.045,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.024427659809589383},{"word":"is","start":270.045,"end":270.125,"confidence":0.9741211,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0322338230907917},{"word":"that","start":270.125,"end":270.285,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01661302149295807},{"word":"just","start":270.285,"end":270.445,"confidence":0.95410156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04839650169014931},{"word":"being","start":270.445,"end":270.685,"confidence":0.97509766,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.06157983839511871},{"word":"pushed","start":270.685,"end":270.925,"confidence":0.9873047,"punctuated_word":"pushed","sentiment":"neutral","sentiment_score":-0.06048470735549927},{"word":"back","start":270.925,"end":271.085,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.017476391047239304},{"word":"a","start":271.085,"end":271.245,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03710372745990753},{"word":"little","start":271.245,"end":271.405,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.041568510234355927},{"word":"bit","start":271.405,"end":271.565,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04441312700510025},{"word":"more","start":271.565,"end":271.885,"confidence":0.99853516,"punctuated_word":"more?","sentiment":"neutral","sentiment_score":-0.03718927502632141},{"word":"how's","start":271.885,"end":272.205,"confidence":0.84765625,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":-0.030095931142568588},{"word":"that","start":272.205,"end":272.365,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02346375584602356},{"word":"goal","start":272.365,"end":272.865,"confidence":0.82006836,"punctuated_word":"goal?","sentiment":"neutral","sentiment_score":-0.045286670327186584},{"word":"yeah","start":275.965,"end":276.39,"confidence":0.9838867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.006479725241661072},{"word":"understandable","start":276.71002,"end":277.21002,"confidence":0.99934894,"punctuated_word":"Understandable.","sentiment":"neutral","sentiment_score":-0.0027317851781845093},{"word":"it's","start":277.91,"end":278.15002,"confidence":0.98706055,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.07612033933401108},{"word":"a","start":278.15002,"end":278.31003,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15898339450359344},{"word":"little","start":278.31003,"end":278.55002,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.15149080753326416},{"word":"bit","start":278.55002,"end":278.71002,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.17820531129837036},{"word":"hard","start":278.71002,"end":278.95,"confidence":0.91748047,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.228241503238678},{"word":"to","start":278.95,"end":279.03003,"confidence":0.9614258,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1808490753173828},{"word":"understand","start":279.03003,"end":279.51,"confidence":0.6459961,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.21028681099414823},{"word":"when","start":279.51,"end":279.75,"confidence":0.7060547,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.16322867572307587},{"word":"when's","start":279.83002,"end":280.15002,"confidence":0.9885254,"punctuated_word":"when's","sentiment":"neutral","sentiment_score":-0.16198039054870603},{"word":"the","start":280.15002,"end":280.31003,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.194752037525177},{"word":"right","start":280.31003,"end":280.55002,"confidence":0.99902344,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.12248267233371736},{"word":"time","start":280.55002,"end":280.79,"confidence":0.72924805,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.12963581085205078},{"word":"isn't","start":280.79,"end":281.11002,"confidence":0.76782227,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.06880079209804535},{"word":"it","start":281.11002,"end":281.61002,"confidence":0.9980469,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.08530750870704651},{"word":"yeah","start":283.27002,"end":283.75,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05668159574270248},{"word":"all","start":283.75,"end":283.99002,"confidence":0.92333984,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.18279026448726657},{"word":"good","start":283.99002,"end":284.49002,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.13765127956867218},{"word":"then","start":284.95,"end":285.19,"confidence":0.6220703,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.0406232587993145},{"word":"when","start":285.19,"end":285.35,"confidence":0.9941406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03707648068666458},{"word":"you're","start":285.35,"end":285.51,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.031238481402397156},{"word":"looking","start":285.51,"end":285.75,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.01945001631975174},{"word":"at","start":285.75,"end":285.83002,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02107740193605423},{"word":"the","start":285.83002,"end":285.91,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02217176929116249},{"word":"document","start":285.91,"end":286.31003,"confidence":0.9951172,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.03907770290970802},{"word":"we","start":286.31003,"end":286.47,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05250375717878342},{"word":"do","start":286.47,"end":286.63,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05813496559858322},{"word":"have","start":286.63,"end":286.79,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0397019162774086},{"word":"the","start":286.79,"end":287.03003,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029794134199619293},{"word":"about","start":287.03003,"end":287.27002,"confidence":0.9667969,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.02044040709733963},{"word":"you","start":287.27002,"end":287.43002,"confidence":0.8095703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01827484369277954},{"word":"section","start":287.43002,"end":287.83002,"confidence":0.8371582,"punctuated_word":"section,","sentiment":"neutral","sentiment_score":0.041379138827323914},{"word":"your","start":287.83002,"end":288.07,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.020214658230543137},{"word":"assets","start":288.07,"end":288.39,"confidence":0.9902344,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.01120929792523384},{"word":"and","start":288.39,"end":288.55002,"confidence":0.8769531,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.029410380870103836},{"word":"liabilities","start":288.55002,"end":289.05002,"confidence":0.99316406,"punctuated_word":"liabilities","sentiment":"neutral","sentiment_score":0.015682492405176163},{"word":"noted","start":289.11002,"end":289.51,"confidence":0.9921875,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.04030248150229454},{"word":"as","start":289.51,"end":289.75,"confidence":0.98828125,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03256939351558685},{"word":"per","start":289.75,"end":289.99002,"confidence":0.89990234,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.03117218241095543},{"word":"our","start":289.99002,"end":290.15002,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.03183870390057564},{"word":"last","start":290.15002,"end":290.47,"confidence":0.9921875,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.03431016579270363},{"word":"conversation","start":290.47,"end":290.97,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.03458278626203537},{"word":"there","start":291.19,"end":291.615,"confidence":0.89282227,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.03969021141529083},{"word":"and","start":291.69498,"end":291.85498,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0393427349627018},{"word":"then","start":291.85498,"end":292.01498,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07342121005058289},{"word":"an","start":292.01498,"end":292.095,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.040917906910181046},{"word":"outline","start":292.095,"end":292.495,"confidence":0.9980469,"punctuated_word":"outline","sentiment":"neutral","sentiment_score":0.032951824367046356},{"word":"of","start":292.495,"end":292.655,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01724443957209587},{"word":"your","start":292.655,"end":292.815,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.006877012550830841},{"word":"current","start":292.815,"end":293.13498,"confidence":0.9941406,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.017407678067684174},{"word":"insurance","start":293.13498,"end":293.535,"confidence":0.9970703,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.0041792988777160645},{"word":"policy","start":293.535,"end":293.935,"confidence":0.95214844,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":-0.0015055220574140549},{"word":"so","start":293.935,"end":294.175,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.038932669907808304},{"word":"within","start":294.175,"end":294.495,"confidence":0.97998047,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.026959653943777084},{"word":"mlc","start":294.495,"end":294.895,"confidence":0.90511066,"punctuated_word":"MLC,","sentiment":"neutral","sentiment_score":0.01118170376867056},{"word":"there","start":294.895,"end":295.13498,"confidence":0.5019531,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.029127217829227448},{"word":"at","start":295.13498,"end":295.215,"confidence":0.58496094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01842198148369789},{"word":"the","start":295.215,"end":295.29498,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01795950159430504},{"word":"moment","start":295.29498,"end":295.615,"confidence":0.9067383,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.02586609125137329},{"word":"you","start":295.615,"end":295.775,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02553436905145645},{"word":"have","start":295.775,"end":295.935,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.025234505534172055},{"word":"your","start":295.935,"end":296.095,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01787649095058441},{"word":"life","start":296.095,"end":296.335,"confidence":0.8100586,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.017376869916915894},{"word":"and","start":296.335,"end":296.495,"confidence":0.84472656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017790518701076508},{"word":"tbd","start":296.495,"end":296.995,"confidence":0.68603516,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":0.0025787074118852615},{"word":"cover","start":297.13498,"end":297.63498,"confidence":0.95825195,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.007439246401190758},{"word":"you","start":297.935,"end":298.095,"confidence":0.6801758,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.03422633185982704},{"word":"have","start":298.095,"end":298.41498,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04101132974028587},{"word":"a","start":298.41498,"end":298.815,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04145760089159012},{"word":"sum","start":298.815,"end":299.055,"confidence":0.8852539,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.054490283131599426},{"word":"insured","start":299.055,"end":299.455,"confidence":0.9375,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":0.03329890966415405},{"word":"of","start":299.455,"end":299.615,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.034273311495780945},{"word":"90,820","start":299.615,"end":301.455,"confidence":0.99869794,"punctuated_word":"90,820","sentiment":"neutral","sentiment_score":0.03481483459472656},{"word":"between","start":301.455,"end":301.775,"confidence":0.9970703,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.04464273899793625},{"word":"the","start":301.775,"end":302.01498,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0324893444776535},{"word":"two","start":302.01498,"end":302.41498,"confidence":0.8947754,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":0.03650807216763496},{"word":"and","start":302.41498,"end":302.655,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05873534083366394},{"word":"the","start":302.655,"end":302.815,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07408810406923294},{"word":"premium","start":302.815,"end":303.315,"confidence":0.9980469,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.05999551713466644},{"word":"for","start":303.375,"end":303.535,"confidence":0.9770508,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06315619498491287},{"word":"those","start":303.535,"end":303.775,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.07882776856422424},{"word":"paid","start":303.775,"end":303.935,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.08023987710475922},{"word":"out","start":303.935,"end":304.095,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0816250890493393},{"word":"of","start":304.095,"end":304.255,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04988259822130203},{"word":"the","start":304.255,"end":304.335,"confidence":0.71240234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.034920915961265564},{"word":"mlc","start":304.335,"end":304.815,"confidence":0.9995117,"punctuated_word":"MLC","sentiment":"neutral","sentiment_score":0.04769887775182724},{"word":"is","start":304.815,"end":305.055,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07862716913223267},{"word":"$1,113.35","start":305.055,"end":307.95,"confidence":0.99850255,"punctuated_word":"$1,113.35","sentiment":"neutral","sentiment_score":0.06446504592895508},{"word":"for","start":307.95,"end":308.15002,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04737134277820587},{"word":"the","start":308.15002,"end":308.35,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03866453468799591},{"word":"year","start":308.35,"end":308.83,"confidence":0.9975586,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.03895770013332367},{"word":"okay","start":308.83,"end":309.33,"confidence":0.9416504,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.05830942466855049},{"word":"excellent","start":310.19,"end":310.69,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.39038822054862976},{"word":"now","start":310.91,"end":311.23,"confidence":0.9941406,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.20088909566402435},{"word":"to","start":311.23,"end":311.39,"confidence":0.90283203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11728373914957048},{"word":"start","start":311.39,"end":311.63,"confidence":0.99316406,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.11195164918899536},{"word":"sort","start":311.63,"end":311.79,"confidence":0.8701172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.17559893429279327},{"word":"of","start":311.79,"end":311.95,"confidence":0.92578125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12782739102840424},{"word":"going","start":311.95,"end":312.11002,"confidence":0.9980469,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.152973473072052},{"word":"through","start":312.11002,"end":312.27,"confidence":0.81591797,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.16756486892700195},{"word":"the","start":312.27,"end":312.51,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13260237872600555},{"word":"recommendations","start":312.51,"end":313.01,"confidence":0.96972656,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.11530625820159912},{"word":"there","start":313.23,"end":313.39,"confidence":0.95166016,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.17735245823860168},{"word":"for","start":313.39,"end":313.55,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1903550326824188},{"word":"you","start":313.55,"end":313.79,"confidence":0.98706055,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.1835252344608307},{"word":"i","start":313.79,"end":313.95,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20354463160037992},{"word":"did","start":313.95,"end":314.11002,"confidence":0.984375,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.15703552961349487},{"word":"go","start":314.11002,"end":314.35,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10000363737344742},{"word":"back","start":314.35,"end":314.51,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1160835325717926},{"word":"and","start":314.51,"end":314.67,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08016364276409149},{"word":"look","start":314.67,"end":314.91,"confidence":0.99316406,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09957729279994965},{"word":"at","start":314.91,"end":315.07,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14311018586158752},{"word":"all","start":315.07,"end":315.23,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.16502514481544495},{"word":"of","start":315.23,"end":315.39,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.146672785282135},{"word":"your","start":315.39,"end":315.63,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14216184616088867},{"word":"super","start":315.63,"end":315.95,"confidence":0.9453125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.17650926113128662},{"word":"and","start":315.95,"end":316.11,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1189347356557846},{"word":"the","start":316.11,"end":316.35,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17236116528511047},{"word":"investments","start":316.35,"end":316.75,"confidence":0.97265625,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.08940767496824265},{"word":"within","start":316.75,"end":317.07,"confidence":0.984375,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.07480785250663757},{"word":"to","start":317.07,"end":317.23,"confidence":0.5102539,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11155694723129272},{"word":"sort","start":317.23,"end":317.39,"confidence":0.9863281,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09429024159908296},{"word":"of","start":317.39,"end":317.55,"confidence":0.9091797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09960465878248216},{"word":"see","start":317.55,"end":317.71,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10226172208786012},{"word":"how","start":317.71,"end":317.87,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.09855033457279204},{"word":"everything","start":317.87,"end":318.27,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.17985831201076508},{"word":"was","start":318.27,"end":318.51,"confidence":0.9892578,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.11112327873706818},{"word":"tracking","start":318.51,"end":318.91,"confidence":0.99902344,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.14372313022613523},{"word":"for","start":318.91,"end":319.07,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1311083436012268},{"word":"you","start":319.07,"end":319.485,"confidence":0.84887695,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.09975580126047134},{"word":"within","start":319.805,"end":320.205,"confidence":0.9838867,"punctuated_word":"Within","sentiment":"neutral","sentiment_score":0.045107871294021606},{"word":"hub","start":320.205,"end":320.44498,"confidence":0.46801758,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.03424863517284393},{"word":"twenty","start":320.44498,"end":320.685,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.032405123114585876},{"word":"four","start":320.685,"end":320.84497,"confidence":0.9980469,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.022433936595916748},{"word":"at","start":320.84497,"end":321.00497,"confidence":0.5107422,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.011444046162068844},{"word":"the","start":321.00497,"end":321.085,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02569645084440708},{"word":"moment","start":321.085,"end":321.32498,"confidence":0.9904785,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.024187972769141197},{"word":"your","start":321.32498,"end":321.56497,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0237329863011837},{"word":"current","start":321.56497,"end":321.805,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.020376916974782944},{"word":"balance","start":321.805,"end":322.125,"confidence":0.9980469,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.021785486489534375},{"word":"is","start":322.125,"end":322.365,"confidence":0.9741211,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.026487404480576515},{"word":"81,070","start":322.365,"end":323.985,"confidence":0.9680176,"punctuated_word":"81,070,","sentiment":"neutral","sentiment_score":0.024661509320139885},{"word":"and","start":324.205,"end":324.365,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013876795768737791},{"word":"then","start":324.365,"end":324.525,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.014479918405413628},{"word":"we've","start":324.525,"end":324.76498,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.02692532166838646},{"word":"also","start":324.76498,"end":325.085,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.015530754812061788},{"word":"got","start":325.085,"end":325.56497,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.022966470569372177},{"word":"about","start":325.56497,"end":325.88498,"confidence":0.91259766,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.014319518581032751},{"word":"thirty","start":325.88498,"end":326.205,"confidence":0.99902344,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.026191337034106255},{"word":"three","start":326.205,"end":326.365,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.015795551240444183},{"word":"thousand","start":326.365,"end":326.84497,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.027831751853227615},{"word":"one","start":326.84497,"end":327.085,"confidence":0.99316406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.016140243038535118},{"word":"thirty","start":327.085,"end":327.32498,"confidence":0.99902344,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.016398943960666656},{"word":"eight","start":327.32498,"end":327.485,"confidence":1.0,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.01707432046532631},{"word":"within","start":327.485,"end":327.88498,"confidence":0.9941406,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.016797751188278198},{"word":"mlc","start":327.88498,"end":328.38498,"confidence":0.9562988,"punctuated_word":"MLC","sentiment":"neutral","sentiment_score":0.018920328468084335},{"word":"there","start":328.44498,"end":328.76498,"confidence":0.9921875,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.023791778832674023},{"word":"at","start":328.76498,"end":328.84497,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.012204056605696678},{"word":"the","start":328.84497,"end":328.925,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014640509150922298},{"word":"moment","start":328.925,"end":329.425,"confidence":0.984375,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.02181906625628471},{"word":"between","start":330.04498,"end":330.365,"confidence":0.99121094,"punctuated_word":"Between","sentiment":"neutral","sentiment_score":0.050390370190143585},{"word":"the","start":330.365,"end":330.525,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04286212474107742},{"word":"two","start":330.525,"end":330.76498,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.04420405626296997},{"word":"funds","start":330.76498,"end":331.085,"confidence":0.99609375,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.05012158304452896},{"word":"you","start":331.085,"end":331.245,"confidence":0.9838867,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06933332234621048},{"word":"do","start":331.245,"end":331.405,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04003313556313515},{"word":"have","start":331.405,"end":331.56497,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.050287771970033646},{"word":"your","start":331.56497,"end":331.72498,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04090594500303269},{"word":"admin","start":331.72498,"end":332.125,"confidence":1.0,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":0.04230192303657532},{"word":"fees","start":332.125,"end":332.44498,"confidence":0.98291016,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.03595142811536789},{"word":"investment","start":332.44498,"end":332.925,"confidence":0.9863281,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.02908366546034813},{"word":"fees","start":332.925,"end":333.245,"confidence":0.8605957,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.04066617786884308},{"word":"the","start":333.245,"end":333.42,"confidence":0.609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04738305509090424},{"word":"ongoing","start":333.5,"end":333.90002,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.05477338284254074},{"word":"service","start":333.90002,"end":334.22,"confidence":0.9716797,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.03456363454461098},{"word":"fee","start":334.22,"end":334.38,"confidence":0.9633789,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.050629884004592896},{"word":"for","start":334.38,"end":334.54,"confidence":0.96533203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04796372354030609},{"word":"us","start":334.54,"end":334.7,"confidence":0.9970703,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.04147813469171524},{"word":"looking","start":334.7,"end":335.02002,"confidence":0.8095703,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.035180941224098206},{"word":"after","start":335.02002,"end":335.34003,"confidence":0.97314453,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.05014876648783684},{"word":"everything","start":335.34003,"end":335.74002,"confidence":0.88671875,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.05459180474281311},{"word":"comes","start":335.74002,"end":335.98,"confidence":0.97998047,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.05442474037408829},{"word":"out","start":335.98,"end":336.22,"confidence":0.85253906,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.057117342948913574},{"word":"of","start":336.22,"end":336.30002,"confidence":0.7993164,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05394336581230163},{"word":"hub","start":336.30002,"end":336.54,"confidence":0.4555664,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.04201787710189819},{"word":"twenty","start":336.54,"end":336.78,"confidence":0.99609375,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.05783076211810112},{"word":"four","start":336.78,"end":337.26,"confidence":0.8310547,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.04886791110038757},{"word":"and","start":337.26,"end":337.58002,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04478689655661583},{"word":"contributions","start":337.58002,"end":338.08002,"confidence":0.99609375,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.04430137202143669},{"word":"going","start":338.22,"end":338.54,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.05900292843580246},{"word":"into","start":338.54,"end":338.78,"confidence":0.9921875,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.04697774723172188},{"word":"mlc","start":338.78,"end":339.28,"confidence":0.9558919,"punctuated_word":"MLC,","sentiment":"neutral","sentiment_score":0.026289962232112885},{"word":"which","start":339.34003,"end":339.58002,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.04714209586381912},{"word":"is","start":339.58002,"end":339.74002,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.025017164647579193},{"word":"also","start":339.74002,"end":339.98,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.025541990995407104},{"word":"where","start":339.98,"end":340.22,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.0302834864705801},{"word":"your","start":340.22,"end":340.46002,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03532470762729645},{"word":"insurance","start":340.46002,"end":340.94,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.02638745680451393},{"word":"premiums","start":340.94,"end":341.42,"confidence":0.9970703,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.029547274112701416},{"word":"are","start":341.42,"end":341.58002,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03652992472052574},{"word":"deducted","start":341.58002,"end":342.06,"confidence":0.99902344,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.03852596506476402},{"word":"from","start":342.06,"end":342.56,"confidence":1.0,"punctuated_word":"from.","sentiment":"neutral","sentiment_score":0.02224554866552353},{"word":"when","start":343.82,"end":344.06,"confidence":0.8183594,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.04074791073799133},{"word":"we","start":344.06,"end":344.30002,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02960221655666828},{"word":"sort","start":344.30002,"end":344.54,"confidence":0.98535156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03991023451089859},{"word":"of","start":344.54,"end":344.7,"confidence":0.90527344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.033228181302547455},{"word":"spoke","start":344.7,"end":344.94,"confidence":0.99902344,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.03364136070013046},{"word":"last","start":344.94,"end":345.18002,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.01723005250096321},{"word":"time","start":345.18002,"end":345.5,"confidence":0.984375,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.02543644979596138},{"word":"you","start":345.5,"end":345.66,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03447818011045456},{"word":"we","start":345.74002,"end":345.90002,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04629136249423027},{"word":"did","start":345.90002,"end":346.06,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.041358254849910736},{"word":"your","start":346.06,"end":346.14,"confidence":0.96533203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05217250809073448},{"word":"risk","start":346.14,"end":346.425,"confidence":0.9707031,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.04085663706064224},{"word":"profiling","start":346.66498,"end":347.065,"confidence":0.8898926,"punctuated_word":"profiling,","sentiment":"neutral","sentiment_score":0.03994724154472351},{"word":"had","start":347.065,"end":347.185,"confidence":0.9863281,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.026312224566936493},{"word":"a","start":347.185,"end":347.305,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03634137287735939},{"word":"bit","start":347.305,"end":347.465,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.029030736535787582},{"word":"of","start":347.465,"end":347.54498,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.026671044528484344},{"word":"a","start":347.54498,"end":347.625,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025253688916563988},{"word":"chat","start":347.625,"end":347.94498,"confidence":0.98095703,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.03201034665107727},{"word":"about","start":347.94498,"end":348.10498,"confidence":0.9404297,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.032010518014431},{"word":"you","start":348.10498,"end":348.185,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.050737716257572174},{"word":"being","start":348.185,"end":348.425,"confidence":0.95947266,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.047028712928295135},{"word":"a","start":348.425,"end":348.585,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05701649188995361},{"word":"growth","start":348.585,"end":348.985,"confidence":0.97265625,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.07701211422681808},{"word":"investor","start":348.985,"end":349.465,"confidence":0.9658203,"punctuated_word":"investor,","sentiment":"neutral","sentiment_score":0.04294794052839279},{"word":"which","start":349.465,"end":349.705,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.07148966938257217},{"word":"has","start":349.705,"end":350.025,"confidence":0.9970703,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.051293838769197464},{"word":"a","start":350.025,"end":350.26498,"confidence":0.44335938,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05426623672246933},{"word":"eighty","start":350.26498,"end":350.50497,"confidence":0.9980469,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":0.04538740962743759},{"word":"twenty","start":350.50497,"end":350.905,"confidence":0.8432617,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.04840005189180374},{"word":"split","start":350.905,"end":351.22498,"confidence":0.76782227,"punctuated_word":"split,","sentiment":"neutral","sentiment_score":0.03485719859600067},{"word":"if","start":351.22498,"end":351.38498,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03493639454245567},{"word":"you","start":351.38498,"end":351.54498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027443699538707733},{"word":"remember","start":351.54498,"end":352.025,"confidence":0.9980469,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":0.029527420178055763},{"word":"to","start":352.025,"end":352.185,"confidence":0.52978516,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.025454796850681305},{"word":"that","start":352.185,"end":352.425,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03637710213661194},{"word":"conversation","start":352.425,"end":352.925,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.03303387016057968},{"word":"there","start":353.065,"end":353.565,"confidence":0.9152832,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.03556031733751297},{"word":"so","start":353.625,"end":353.78497,"confidence":0.4794922,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08564679324626923},{"word":"80","start":353.78497,"end":354.025,"confidence":0.9970703,"punctuated_word":"80","sentiment":"neutral","sentiment_score":0.1570395678281784},{"word":"percent","start":354.025,"end":354.50497,"confidence":1.0,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.19944052398204803},{"word":"growth","start":354.50497,"end":354.82498,"confidence":0.95654297,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.20983028411865232},{"word":"20%","start":354.82498,"end":355.54498,"confidence":0.9995117,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.3301028609275818},{"word":"low","start":355.54498,"end":355.705,"confidence":0.7758789,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.18496128916740415},{"word":"risk","start":355.705,"end":355.94498,"confidence":0.9921875,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.12122184783220293},{"word":"defensive","start":355.94498,"end":356.44498,"confidence":0.96435547,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.18095199763774872},{"word":"investments","start":356.585,"end":357.085,"confidence":0.91918945,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.12135016918182372},{"word":"you","start":357.705,"end":357.78497,"confidence":0.8833008,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.18158899247646332},{"word":"were","start":357.78497,"end":357.94498,"confidence":0.61865234,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.2120507061481476},{"word":"fairly","start":357.94498,"end":358.26498,"confidence":0.66552734,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.28937506675720215},{"word":"happy","start":358.26498,"end":358.44,"confidence":0.73583984,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5729433298110962},{"word":"with","start":358.52,"end":358.84,"confidence":0.9902344,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6200094819068909},{"word":"that","start":358.84,"end":358.92,"confidence":0.99194336,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5607539415359497},{"word":"it","start":358.92,"end":359.16,"confidence":1.0,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5339312553405762},{"word":"does","start":359.16,"end":359.4,"confidence":0.99902344,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.4833729863166809},{"word":"sort","start":359.4,"end":359.64,"confidence":0.97265625,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.5383903980255127},{"word":"of","start":359.64,"end":359.72,"confidence":0.8691406,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5035988092422485},{"word":"suit","start":359.72,"end":359.96,"confidence":0.9604492,"punctuated_word":"suit","sentiment":"positive","sentiment_score":0.3842453956604004},{"word":"someone","start":359.96,"end":360.2,"confidence":0.984375,"punctuated_word":"someone","sentiment":"positive","sentiment_score":0.4484432637691498},{"word":"who","start":360.2,"end":360.28,"confidence":0.88427734,"punctuated_word":"who","sentiment":"positive","sentiment_score":0.42444509267807007},{"word":"has","start":360.28,"end":360.44,"confidence":0.9980469,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.3482746481895447},{"word":"a","start":360.44,"end":360.52,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29071566462516785},{"word":"six","start":360.52,"end":360.76,"confidence":0.6489258,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.2825561463832855},{"word":"year","start":360.76,"end":361.0,"confidence":0.9863281,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.2509811520576477},{"word":"time","start":361.0,"end":361.24,"confidence":0.9951172,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.32629120349884033},{"word":"horizon","start":361.24,"end":361.72,"confidence":0.96875,"punctuated_word":"horizon","sentiment":"positive","sentiment_score":0.338937908411026},{"word":"for","start":361.72,"end":361.96,"confidence":0.7973633,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.29919806122779846},{"word":"accessing","start":361.96,"end":362.44,"confidence":0.9902344,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":0.32458335161209106},{"word":"super","start":362.44,"end":362.84,"confidence":0.67333984,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.367811918258667},{"word":"are","start":362.84,"end":363.0,"confidence":0.9863281,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.09642811119556428},{"word":"you","start":363.0,"end":363.16,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1188024878501892},{"word":"still","start":363.16,"end":363.48,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.09442707896232604},{"word":"comfortable","start":363.48,"end":363.88,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.11554946005344392},{"word":"in","start":363.88,"end":364.04,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13066697120666504},{"word":"that","start":364.04,"end":364.28,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13698376715183258},{"word":"portfolio","start":364.28,"end":364.78,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.11107341945171356},{"word":"or","start":364.92,"end":365.08002,"confidence":0.92578125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1443772315979004},{"word":"that","start":365.08002,"end":365.58002,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11959604918956757},{"word":"risk","start":365.96,"end":366.28,"confidence":0.98828125,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.03429190069437027},{"word":"level","start":366.28,"end":366.6,"confidence":0.94970703,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.020171646028757095},{"word":"here","start":366.6,"end":367.1,"confidence":0.7504883,"punctuated_word":"here?","sentiment":"neutral","sentiment_score":0.036070115864276886},{"word":"beautiful","start":367.24,"end":367.74,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4815788865089417},{"word":"when","start":368.52,"end":368.76,"confidence":0.99902344,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.04064130783081055},{"word":"i","start":368.76,"end":368.92,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06681506335735321},{"word":"look","start":368.92,"end":369.16,"confidence":0.98828125,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.04516056925058365},{"word":"at","start":369.16,"end":369.24,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06054499000310898},{"word":"your","start":369.24,"end":369.48,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05738517642021179},{"word":"current","start":369.48,"end":369.8,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.05196531489491463},{"word":"portfolio","start":369.8,"end":370.3,"confidence":0.9995117,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":-0.06522632390260696},{"word":"i","start":370.44,"end":370.6,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06838439404964447},{"word":"did","start":370.6,"end":370.84,"confidence":0.9941406,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.05949132516980171},{"word":"note","start":370.84,"end":371.0,"confidence":0.7714844,"punctuated_word":"note","sentiment":"neutral","sentiment_score":-0.02172417938709259},{"word":"there","start":371.0,"end":371.08002,"confidence":0.98828125,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.09851986914873125},{"word":"were","start":371.08002,"end":371.32,"confidence":0.7573242,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.14407077431678772},{"word":"some","start":371.32,"end":371.48,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.1463387906551361},{"word":"underperforming","start":371.48,"end":371.98,"confidence":0.9951172,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.1933775246143341},{"word":"assets","start":372.2,"end":372.7,"confidence":0.9338379,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":-0.22636133432388303},{"word":"so","start":372.78497,"end":372.94498,"confidence":0.9067383,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.163802832365036},{"word":"essentially","start":372.94498,"end":373.26498,"confidence":0.9975586,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.15435075759887695},{"word":"this","start":373.26498,"end":373.585,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.1678852140903473},{"word":"year","start":373.585,"end":373.66498,"confidence":0.94750977,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.1647471785545349},{"word":"we","start":373.66498,"end":373.82498,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.19024839997291565},{"word":"have","start":373.82498,"end":374.06497,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2510947287082672},{"word":"seen","start":374.06497,"end":374.305,"confidence":0.98828125,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.2170085906982422},{"word":"a","start":374.305,"end":374.38498,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.25291794538497925},{"word":"lot","start":374.38498,"end":374.465,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.2280864864587784},{"word":"of","start":374.465,"end":374.625,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.26990026235580444},{"word":"volatility","start":374.625,"end":375.125,"confidence":1.0,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":-0.25494763255119324},{"word":"in","start":375.26498,"end":375.425,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.25965163111686707},{"word":"the","start":375.425,"end":375.50497,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2363785058259964},{"word":"market","start":375.50497,"end":376.00497,"confidence":0.9921875,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.2350081205368042},{"word":"there","start":376.22498,"end":376.38498,"confidence":0.99121094,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.2394138425588608},{"word":"has","start":376.38498,"end":376.54498,"confidence":0.9980469,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.24062639474868777},{"word":"been","start":376.54498,"end":376.625,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.20115676522254944},{"word":"a","start":376.625,"end":376.705,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21798719465732577},{"word":"lot","start":376.705,"end":376.865,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.213080570101738},{"word":"of","start":376.865,"end":376.94498,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.25603824853897095},{"word":"ups","start":376.94498,"end":377.185,"confidence":0.9970703,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.2708728015422821},{"word":"and","start":377.185,"end":377.26498,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3161183297634125},{"word":"downs","start":377.26498,"end":377.585,"confidence":0.99902344,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":-0.24090507626533508},{"word":"with","start":377.585,"end":377.745,"confidence":0.97802734,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.32633084058761597},{"word":"everything","start":377.745,"end":378.06497,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.26499518752098083},{"word":"that","start":378.06497,"end":378.22498,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.23485220968723297},{"word":"has","start":378.22498,"end":378.38498,"confidence":0.9980469,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.22503149509429932},{"word":"been","start":378.38498,"end":378.625,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.23627540469169617},{"word":"going","start":378.625,"end":378.865,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.2376186400651932},{"word":"on","start":378.865,"end":379.185,"confidence":0.8015137,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.24300438165664673},{"word":"and","start":379.185,"end":379.345,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.15125605463981628},{"word":"so","start":379.345,"end":379.585,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.14362409710884094},{"word":"i","start":379.585,"end":379.66498,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18047836422920227},{"word":"have","start":379.66498,"end":379.905,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.17350153625011444},{"word":"sort","start":379.905,"end":380.145,"confidence":0.97265625,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.16105139255523682},{"word":"of","start":380.145,"end":380.22498,"confidence":0.9326172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16699865460395813},{"word":"found","start":380.22498,"end":380.465,"confidence":0.9902344,"punctuated_word":"found","sentiment":"neutral","sentiment_score":-0.19445212185382843},{"word":"that","start":380.465,"end":380.625,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1904141455888748},{"word":"there's","start":380.625,"end":381.10498,"confidence":0.9926758,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.18166139721870425},{"word":"maybe","start":381.10498,"end":381.425,"confidence":0.96972656,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.16558298468589783},{"word":"some","start":381.425,"end":381.585,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.19943027198314667},{"word":"changes","start":381.585,"end":381.985,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.2256807386875153},{"word":"that","start":381.985,"end":382.145,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.18591803312301636},{"word":"we","start":382.145,"end":382.305,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2349090725183487},{"word":"need","start":382.305,"end":382.465,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.22748644649982452},{"word":"to","start":382.465,"end":382.54498,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2548297941684723},{"word":"make","start":382.54498,"end":382.78497,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.20223981142044067},{"word":"to","start":382.78497,"end":382.865,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2040410190820694},{"word":"your","start":382.865,"end":383.10498,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.15337593853473663},{"word":"portfolio","start":383.10498,"end":383.60498,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.20511622726917267},{"word":"to","start":383.66498,"end":383.82498,"confidence":0.97265625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23898985981941223},{"word":"make","start":383.82498,"end":383.985,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.2100842446088791},{"word":"sure","start":383.985,"end":384.145,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.11703207343816756},{"word":"it","start":384.145,"end":384.305,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.014743328094482422},{"word":"does","start":384.305,"end":384.54498,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.07225348800420761},{"word":"work","start":384.54498,"end":384.78497,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.10198075324296953},{"word":"a","start":384.78497,"end":384.865,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.24869178235530853},{"word":"little","start":384.865,"end":385.025,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.23082539439201355},{"word":"bit","start":385.025,"end":385.26498,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.32339420914649963},{"word":"harder","start":385.26498,"end":385.585,"confidence":1.0,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":-0.2629515826702118},{"word":"for","start":385.585,"end":385.745,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.23304833471775055},{"word":"you","start":385.745,"end":386.245,"confidence":0.8515625,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.22589710354804993},{"word":"when","start":386.36,"end":386.52,"confidence":1.0,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.14261005818843842},{"word":"we","start":386.52,"end":386.64,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12460734695196152},{"word":"look","start":386.64,"end":386.76,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.14035427570343018},{"word":"at","start":386.76,"end":387.0,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.14393781125545502},{"word":"how","start":387.0,"end":387.32,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.1457209289073944},{"word":"everything","start":387.32,"end":387.72,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.15415675938129425},{"word":"has","start":387.72,"end":387.96,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.13324329257011414},{"word":"been","start":387.96,"end":388.2,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.1497071087360382},{"word":"performing","start":388.2,"end":388.68,"confidence":1.0,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":-0.14013852179050446},{"word":"over","start":388.68,"end":388.92,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.12708887457847595},{"word":"the","start":388.92,"end":389.08,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12191104143857956},{"word":"past","start":389.08,"end":389.4,"confidence":1.0,"punctuated_word":"past","sentiment":"neutral","sentiment_score":-0.16832946240901947},{"word":"five","start":389.4,"end":389.56,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.12454041838645936},{"word":"years","start":389.56,"end":389.88,"confidence":0.70092773,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.08906938880681992},{"word":"and","start":389.88,"end":390.04,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10480040311813354},{"word":"when","start":390.04,"end":390.2,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.11579884588718414},{"word":"you","start":390.2,"end":390.36,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10004410892724992},{"word":"look","start":390.36,"end":390.52,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.10704879462718964},{"word":"at","start":390.52,"end":390.68,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.14015641808509827},{"word":"the","start":390.68,"end":390.76,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12520290911197662},{"word":"past","start":390.76,"end":391.0,"confidence":1.0,"punctuated_word":"past","sentiment":"neutral","sentiment_score":-0.16648107767105105},{"word":"five","start":391.0,"end":391.16,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.1342320740222931},{"word":"years","start":391.16,"end":391.4,"confidence":0.9975586,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.11464065313339232},{"word":"there","start":391.4,"end":391.63998,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.17580585181713104},{"word":"has","start":391.63998,"end":391.88,"confidence":0.984375,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.16617050766944885},{"word":"been","start":391.88,"end":391.96002,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.1414526104927063},{"word":"a","start":391.96002,"end":392.04,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16568003594875336},{"word":"lot","start":392.04,"end":392.28,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.15787950158119202},{"word":"of","start":392.28,"end":392.36,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1827741712331772},{"word":"ups","start":392.36,"end":392.6,"confidence":0.99902344,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.20604652166366577},{"word":"and","start":392.6,"end":392.76,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.23185351490974423},{"word":"downs","start":392.76,"end":393.24,"confidence":0.9970703,"punctuated_word":"downs.","sentiment":"neutral","sentiment_score":-0.19354701042175293},{"word":"the","start":393.24,"end":393.48,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.06310451030731201},{"word":"market","start":393.48,"end":393.8,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.07943882793188095},{"word":"has","start":393.8,"end":394.04,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.1053849682211876},{"word":"not","start":394.04,"end":394.28,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1315743923187256},{"word":"been","start":394.28,"end":394.52,"confidence":0.94384766,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.111107736825943},{"word":"steady","start":394.52,"end":394.91998,"confidence":1.0,"punctuated_word":"steady","sentiment":"neutral","sentiment_score":-0.1372085064649582},{"word":"in","start":394.91998,"end":395.08,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1184282898902893},{"word":"the","start":395.08,"end":395.16,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1171477735042572},{"word":"past","start":395.16,"end":395.56,"confidence":0.9980469,"punctuated_word":"past","sentiment":"neutral","sentiment_score":-0.18025074899196625},{"word":"five","start":395.56,"end":395.72,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.1490175873041153},{"word":"years","start":395.72,"end":396.2,"confidence":0.9970703,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.11020733416080476},{"word":"at","start":396.2,"end":396.52,"confidence":0.92333984,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.22077876329421997},{"word":"at","start":396.52,"end":396.76,"confidence":0.95947266,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.21061374247074127},{"word":"all","start":396.76,"end":397.26,"confidence":0.8413086,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.1725304126739502},{"word":"and","start":398.6,"end":398.84,"confidence":0.779541,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.1620500683784485},{"word":"essentially","start":398.84,"end":399.34,"confidence":0.9824219,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.20902803540229797},{"word":"when","start":399.4,"end":399.9,"confidence":0.81933594,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.2446507066488266},{"word":"wow","start":403.165,"end":403.665,"confidence":0.88183594,"punctuated_word":"wow.","sentiment":"neutral","sentiment_score":-0.08571676909923553},{"word":"yeah","start":404.605,"end":405.085,"confidence":0.98706055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08530119061470032},{"word":"no","start":405.085,"end":405.325,"confidence":0.99609375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.139258474111557},{"word":"well","start":405.325,"end":405.565,"confidence":0.9970703,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.0864810198545456},{"word":"if","start":405.565,"end":405.645,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06475894153118134},{"word":"you","start":405.645,"end":405.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05071185901761055},{"word":"ever","start":405.805,"end":406.045,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.033800676465034485},{"word":"feel","start":406.045,"end":406.285,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.06915858387947083},{"word":"like","start":406.285,"end":406.445,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.10218076407909392},{"word":"that","start":406.445,"end":406.685,"confidence":0.99902344,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.08854018151760101},{"word":"please","start":406.685,"end":406.925,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":-0.0988384336233139},{"word":"give","start":406.925,"end":407.085,"confidence":0.9970703,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.07180219888687134},{"word":"me","start":407.085,"end":407.325,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.053743235766887665},{"word":"a","start":407.325,"end":407.405,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06699541211128235},{"word":"call","start":407.405,"end":407.645,"confidence":0.9995117,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":-0.025844905525445935},{"word":"i","start":407.645,"end":407.725,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11785642057657242},{"word":"am","start":407.725,"end":407.885,"confidence":1.0,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.17016059160232544},{"word":"here","start":407.885,"end":408.125,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.12374675273895264},{"word":"to","start":408.125,"end":408.285,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11394864320755003},{"word":"help","start":408.285,"end":408.445,"confidence":0.99902344,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.14173802733421326},{"word":"and","start":408.445,"end":408.605,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09924760460853577},{"word":"to","start":408.605,"end":408.765,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08322133868932724},{"word":"talk","start":408.765,"end":409.005,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.08977764844894409},{"word":"you","start":409.005,"end":409.165,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0517379492521286},{"word":"through","start":409.165,"end":409.405,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09060845524072648},{"word":"those","start":409.405,"end":409.645,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.01933157444000244},{"word":"times","start":409.645,"end":410.145,"confidence":0.9995117,"punctuated_word":"times.","sentiment":"neutral","sentiment_score":-0.032919324934482574},{"word":"i","start":410.205,"end":410.365,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20852823555469513},{"word":"don't","start":410.365,"end":410.605,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.19587503373622897},{"word":"want","start":410.605,"end":410.765,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.2939832806587219},{"word":"you","start":410.765,"end":410.925,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3252270221710205},{"word":"to","start":410.925,"end":411.005,"confidence":0.9980469,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.35037073493003845},{"word":"feel","start":411.005,"end":411.245,"confidence":1.0,"punctuated_word":"feel","sentiment":"negative","sentiment_score":-0.3336777985095978},{"word":"like","start":411.245,"end":411.485,"confidence":0.97265625,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.34676870703697205},{"word":"you","start":411.485,"end":411.565,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.34543129801750183},{"word":"have","start":411.565,"end":411.725,"confidence":1.0,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.4005942940711975},{"word":"to","start":411.725,"end":411.885,"confidence":0.98828125,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.38860613107681274},{"word":"stress","start":411.885,"end":412.205,"confidence":1.0,"punctuated_word":"stress","sentiment":"negative","sentiment_score":-0.39531970024108887},{"word":"on","start":412.205,"end":412.365,"confidence":1.0,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.3998944759368897},{"word":"your","start":412.365,"end":412.605,"confidence":1.0,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.3562202453613281},{"word":"own","start":412.605,"end":413.01,"confidence":0.75805664,"punctuated_word":"own,","sentiment":"negative","sentiment_score":-0.3427082598209381},{"word":"and","start":413.33002,"end":413.49002,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.29491057991981506},{"word":"we","start":413.49002,"end":413.65002,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1793040931224823},{"word":"do","start":413.65002,"end":413.77002,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1782282441854477},{"word":"a","start":413.77002,"end":413.89,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.20363417267799375},{"word":"lot","start":413.89,"end":414.13,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.16887688636779785},{"word":"of","start":414.13,"end":414.29,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14629565179347992},{"word":"looking","start":414.29,"end":414.53,"confidence":0.9951172,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.15350140631198883},{"word":"at","start":414.53,"end":414.61002,"confidence":0.95947266,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.16275209188461304},{"word":"the","start":414.61002,"end":414.69,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16455528140068054},{"word":"markets","start":414.69,"end":415.09,"confidence":0.9248047,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.12624923884868622},{"word":"and","start":415.09,"end":415.25,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17118236422538757},{"word":"a","start":415.25,"end":415.33002,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1530885100364685},{"word":"lot","start":415.33002,"end":415.57,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.11733029037714005},{"word":"of","start":415.57,"end":415.65002,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15568788349628448},{"word":"talking","start":415.65002,"end":415.97,"confidence":0.9970703,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.1121349185705185},{"word":"people","start":415.97,"end":416.21002,"confidence":0.99316406,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.031918659806251526},{"word":"through","start":416.21002,"end":416.45,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.12341175973415376},{"word":"things","start":416.45,"end":416.77002,"confidence":0.98095703,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.13009440898895264},{"word":"like","start":416.77002,"end":416.85,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.1808790862560272},{"word":"that","start":416.85,"end":417.09,"confidence":0.81689453,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.06987328827381134},{"word":"and","start":417.09,"end":417.25,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1119379997253418},{"word":"my","start":417.25,"end":417.41,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.12589605152606964},{"word":"job","start":417.41,"end":417.57,"confidence":1.0,"punctuated_word":"job","sentiment":"neutral","sentiment_score":0.14095309376716614},{"word":"is","start":417.57,"end":417.81,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16101670265197754},{"word":"to","start":417.81,"end":417.89,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1660035252571106},{"word":"help","start":417.89,"end":418.13,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.1817423403263092},{"word":"you","start":418.13,"end":418.29,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1878364384174347},{"word":"stop","start":418.29,"end":418.53,"confidence":0.66064453,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":0.11874844878911972},{"word":"you","start":418.53,"end":418.69,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18099690973758695},{"word":"from","start":418.69,"end":418.93002,"confidence":0.99121094,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08886748552322388},{"word":"making","start":418.93002,"end":419.25,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.07252857089042664},{"word":"rash","start":419.25,"end":419.57,"confidence":0.97509766,"punctuated_word":"rash","sentiment":"neutral","sentiment_score":0.025439944118261337},{"word":"decisions","start":419.57,"end":420.05002,"confidence":0.99902344,"punctuated_word":"decisions","sentiment":"neutral","sentiment_score":0.012788020074367523},{"word":"as","start":420.05002,"end":420.21002,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17374883592128754},{"word":"well","start":420.21002,"end":420.53,"confidence":0.98657227,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.15779805183410645},{"word":"so","start":420.53,"end":420.93002,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19355708360671997},{"word":"if","start":420.93002,"end":421.09,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1944047212600708},{"word":"you","start":421.09,"end":421.25,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1346096694469452},{"word":"wanna","start":421.25,"end":421.57,"confidence":0.99902344,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.22085502743721008},{"word":"use","start":421.57,"end":421.81,"confidence":0.9980469,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.17222115397453308},{"word":"me","start":421.81,"end":421.97,"confidence":0.9970703,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.17716830968856812},{"word":"as","start":421.97,"end":422.13,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1999780833721161},{"word":"a","start":422.13,"end":422.29,"confidence":0.9716797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1930498033761978},{"word":"sounding","start":422.29,"end":422.69,"confidence":0.73876953,"punctuated_word":"sounding","sentiment":"neutral","sentiment_score":0.11918748915195464},{"word":"board","start":422.69,"end":422.93002,"confidence":0.99902344,"punctuated_word":"board,","sentiment":"neutral","sentiment_score":0.21583980321884155},{"word":"you","start":422.93002,"end":423.17,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3443332314491272},{"word":"are","start":423.17,"end":423.33002,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3290708661079407},{"word":"more","start":423.33002,"end":423.49002,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.3499809503555298},{"word":"than","start":423.49002,"end":423.73,"confidence":1.0,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.34189340472221375},{"word":"welcome","start":423.73,"end":424.05002,"confidence":0.99902344,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.3447401523590088},{"word":"to","start":424.05002,"end":424.21002,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24189943075180056},{"word":"do","start":424.21002,"end":424.45,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.198625847697258},{"word":"that","start":424.45,"end":424.77002,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.17692026495933533},{"word":"okay","start":424.77002,"end":425.27002,"confidence":0.99853516,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.15911316871643066},{"word":"excellent","start":425.81,"end":426.31,"confidence":0.99658203,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.555861234664917},{"word":"so","start":427.815,"end":428.05502,"confidence":0.96435547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12042516469955444},{"word":"when","start":428.05502,"end":428.295,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03778611496090889},{"word":"i","start":428.295,"end":428.45502,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.032680511474609375},{"word":"have","start":428.45502,"end":428.61502,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05272981896996498},{"word":"a","start":428.61502,"end":428.695,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.047775402665138245},{"word":"look","start":428.695,"end":428.935,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0009786002337932589},{"word":"at","start":428.935,"end":429.095,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.003270640969276428},{"word":"how","start":429.095,"end":429.33502,"confidence":0.9970703,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.007483465597033501},{"word":"between","start":429.33502,"end":429.815,"confidence":0.8676758,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.017523040995001793},{"word":"mlc","start":429.815,"end":430.295,"confidence":0.98999023,"punctuated_word":"MLC","sentiment":"neutral","sentiment_score":0.019059889018535617},{"word":"and","start":430.295,"end":430.535,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006992971524596214},{"word":"hub","start":430.535,"end":430.855,"confidence":0.8071289,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.0354250967502594},{"word":"twenty","start":430.855,"end":431.095,"confidence":0.97802734,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.040647462010383606},{"word":"four","start":431.095,"end":431.33502,"confidence":0.9980469,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.01241748221218586},{"word":"over","start":431.33502,"end":431.575,"confidence":0.85839844,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.02513157390058041},{"word":"the","start":431.575,"end":431.73502,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024712931364774704},{"word":"past","start":431.73502,"end":431.975,"confidence":1.0,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.012540176510810852},{"word":"five","start":431.975,"end":432.215,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.013716211542487144},{"word":"years","start":432.215,"end":432.535,"confidence":0.9812012,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.019969353452324867},{"word":"your","start":432.535,"end":432.77502,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03326414152979851},{"word":"portfolio","start":432.77502,"end":433.27502,"confidence":0.9980469,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.006404168903827667},{"word":"jointly","start":433.33502,"end":433.815,"confidence":0.9863281,"punctuated_word":"jointly","sentiment":"neutral","sentiment_score":0.035608503967523575},{"word":"has","start":433.815,"end":433.975,"confidence":0.9970703,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.015899505466222763},{"word":"been","start":433.975,"end":434.215,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.006065651774406433},{"word":"performing","start":434.215,"end":434.715,"confidence":0.92089844,"punctuated_word":"performing.","sentiment":"neutral","sentiment_score":0.01197582483291626},{"word":"i","start":435.255,"end":435.415,"confidence":0.78466797,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.45251354575157166},{"word":"wasn't","start":435.415,"end":435.73502,"confidence":0.9946289,"punctuated_word":"wasn't","sentiment":"negative","sentiment_score":-0.398587703704834},{"word":"overly","start":435.73502,"end":436.135,"confidence":0.99902344,"punctuated_word":"overly","sentiment":"negative","sentiment_score":-0.3405943512916565},{"word":"impressed","start":436.135,"end":436.61502,"confidence":0.9970703,"punctuated_word":"impressed.","sentiment":"negative","sentiment_score":-0.4239183068275452},{"word":"it's","start":436.61502,"end":436.855,"confidence":0.9394531,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.272514283657074},{"word":"averaged","start":436.855,"end":437.255,"confidence":0.89453125,"punctuated_word":"averaged","sentiment":"neutral","sentiment_score":-0.1968192309141159},{"word":"about","start":437.255,"end":437.495,"confidence":0.98095703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.14393436908721924},{"word":"5.91%","start":437.495,"end":438.77502,"confidence":0.99550784,"punctuated_word":"5.91%","sentiment":"neutral","sentiment_score":-0.10287728905677795},{"word":"on","start":438.77502,"end":438.935,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.16574087738990784},{"word":"a","start":438.935,"end":439.015,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14840316772460938},{"word":"yearly","start":439.015,"end":439.33502,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":-0.14912867546081543},{"word":"basis","start":439.33502,"end":439.73502,"confidence":0.99902344,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":-0.21865341067314148},{"word":"i'm","start":439.73502,"end":439.89502,"confidence":0.99609375,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.5059288740158081},{"word":"not","start":439.89502,"end":440.05502,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.6248474717140198},{"word":"really","start":440.05502,"end":440.215,"confidence":1.0,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.5110021829605103},{"word":"happy","start":440.215,"end":440.535,"confidence":1.0,"punctuated_word":"happy","sentiment":"negative","sentiment_score":-0.6064110994338989},{"word":"with","start":440.535,"end":440.695,"confidence":1.0,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.644071102142334},{"word":"that","start":440.695,"end":440.855,"confidence":1.0,"punctuated_word":"that.","sentiment":"negative","sentiment_score":-0.4922931790351868},{"word":"i","start":440.855,"end":440.935,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2752251625061035},{"word":"wanted","start":440.935,"end":441.255,"confidence":0.99902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.23423898220062256},{"word":"to","start":441.255,"end":441.33502,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1823563575744629},{"word":"sort","start":441.33502,"end":441.575,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.20453332364559176},{"word":"of","start":441.575,"end":441.655,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15635034441947937},{"word":"look","start":441.655,"end":441.89502,"confidence":0.99609375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.1673634797334671},{"word":"at","start":441.89502,"end":441.975,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.165309876203537},{"word":"how","start":441.975,"end":442.135,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.1439339518547058},{"word":"we","start":442.135,"end":442.295,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09690969437360764},{"word":"could","start":442.295,"end":442.45502,"confidence":0.9970703,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.12226994335651398},{"word":"make","start":442.45502,"end":442.65,"confidence":0.9921875,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.15317487716674805},{"word":"things","start":442.72998,"end":442.88998,"confidence":0.9970703,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.11819980293512344},{"word":"work","start":442.88998,"end":443.01,"confidence":0.9970703,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.15254250168800354},{"word":"a","start":443.01,"end":443.13,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15800586342811584},{"word":"bit","start":443.13,"end":443.37,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.18182045221328735},{"word":"harder","start":443.37,"end":443.69,"confidence":1.0,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":-0.12284228950738908},{"word":"for","start":443.69,"end":443.85,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1456862986087799},{"word":"you","start":443.85,"end":444.33,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12527213990688324},{"word":"and","start":444.33,"end":444.57,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14963069558143616},{"word":"readjust","start":444.57,"end":445.07,"confidence":0.9995117,"punctuated_word":"readjust","sentiment":"neutral","sentiment_score":-0.13324958086013794},{"word":"your","start":445.13,"end":445.37,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.002149790525436402},{"word":"portfolio","start":445.37,"end":445.87,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.022938117384910583},{"word":"to","start":445.93,"end":446.09,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.007330752909183502},{"word":"make","start":446.09,"end":446.25,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.0207747146487236},{"word":"it","start":446.25,"end":446.41,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.028308026492595673},{"word":"work","start":446.41,"end":446.65,"confidence":0.72314453,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.001530870795249939},{"word":"better","start":446.65,"end":447.15,"confidence":0.9995117,"punctuated_word":"better.","sentiment":"neutral","sentiment_score":-0.03918102756142616},{"word":"essentially","start":447.44998,"end":447.93,"confidence":0.9379883,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":-0.011034948751330376},{"word":"with","start":447.93,"end":448.09,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.010786551982164385},{"word":"the","start":448.09,"end":448.33,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0031093284487724304},{"word":"recommendations","start":448.33,"end":448.83,"confidence":0.99658203,"punctuated_word":"recommendations,","sentiment":"neutral","sentiment_score":0.01575072482228279},{"word":"i","start":449.37,"end":449.53,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02564876899123192},{"word":"am","start":449.53,"end":449.85,"confidence":0.984375,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.0386313758790493},{"word":"recommending","start":449.85,"end":450.35,"confidence":0.80908203,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.05651432275772095},{"word":"you","start":450.65,"end":450.81,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03656232729554176},{"word":"retain","start":450.81,"end":451.21,"confidence":0.98828125,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.024341940879821777},{"word":"the","start":451.21,"end":451.37,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013917513191699982},{"word":"two","start":451.37,"end":451.53,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.030901145190000538},{"word":"funds","start":451.53,"end":452.03,"confidence":0.97509766,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.031129295006394383},{"word":"hub24","start":452.09,"end":452.59,"confidence":0.7288411,"punctuated_word":"HUB24","sentiment":"neutral","sentiment_score":0.06859435141086578},{"word":"and","start":452.81,"end":453.05,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04278140515089035},{"word":"mlc","start":453.05,"end":453.55,"confidence":0.9954427,"punctuated_word":"MLC.","sentiment":"neutral","sentiment_score":0.03314848989248276},{"word":"the","start":453.93,"end":454.09,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1406340450048447},{"word":"funds","start":454.09,"end":454.49,"confidence":0.9892578,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.1224117875099182},{"word":"themselves","start":454.49,"end":454.97,"confidence":0.99609375,"punctuated_word":"themselves","sentiment":"neutral","sentiment_score":0.15926235914230347},{"word":"are","start":454.97,"end":455.13,"confidence":0.99316406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16681137681007385},{"word":"absolutely","start":455.13,"end":455.63,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.1931802928447723},{"word":"fine","start":455.77,"end":456.27,"confidence":0.7531738,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.10301226377487184},{"word":"essentially","start":456.775,"end":457.175,"confidence":0.9663086,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.018050339072942737},{"word":"if","start":457.175,"end":457.335,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02016769722104073},{"word":"we","start":457.335,"end":457.575,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.009861260652542114},{"word":"had","start":457.575,"end":457.895,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.028470057994127274},{"word":"looked","start":457.895,"end":458.135,"confidence":0.9951172,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.0016937218606472015},{"word":"and","start":458.295,"end":458.455,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.011215224862098694},{"word":"i","start":458.455,"end":458.535,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.017965570092201233},{"word":"did","start":458.535,"end":458.775,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.00010936707258224489},{"word":"look","start":458.775,"end":458.935,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.022008780390024185},{"word":"at","start":458.935,"end":459.175,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.025323159992694855},{"word":"moving","start":459.175,"end":459.415,"confidence":0.99902344,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":-0.03832131624221802},{"word":"to","start":459.415,"end":459.575,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.017429284751415253},{"word":"another","start":459.575,"end":460.055,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.015703480690717697},{"word":"platform","start":460.055,"end":460.555,"confidence":0.9926758,"punctuated_word":"platform.","sentiment":"neutral","sentiment_score":0.002826306968927383},{"word":"however","start":460.615,"end":461.015,"confidence":0.9980469,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.009691093116998672},{"word":"within","start":461.015,"end":461.415,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.0071226321160793304},{"word":"hub","start":461.415,"end":461.655,"confidence":0.6328125,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.012927547097206116},{"word":"twenty","start":461.655,"end":461.975,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.009495817124843596},{"word":"four","start":461.975,"end":462.135,"confidence":0.9213867,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":-0.003441976383328438},{"word":"whenever","start":462.135,"end":462.615,"confidence":0.99609375,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":-0.01007409766316414},{"word":"any","start":462.615,"end":462.855,"confidence":0.47851562,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.0006210207939147949},{"word":"even","start":463.015,"end":463.255,"confidence":0.9951172,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.0047333575785160065},{"word":"mlc","start":463.255,"end":463.735,"confidence":0.96875,"punctuated_word":"MLC,","sentiment":"neutral","sentiment_score":-0.012928228825330734},{"word":"whenever","start":463.735,"end":464.135,"confidence":0.99609375,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":-0.012537304311990738},{"word":"you","start":464.135,"end":464.295,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01866581290960312},{"word":"sell","start":464.295,"end":464.535,"confidence":0.87841797,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.022538237273693085},{"word":"down","start":464.535,"end":464.855,"confidence":0.99316406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.02297608181834221},{"word":"investments","start":464.855,"end":465.355,"confidence":0.9406738,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.029780345037579536},{"word":"your","start":466.055,"end":466.295,"confidence":0.97265625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01829143613576889},{"word":"super","start":466.295,"end":466.615,"confidence":0.8798828,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.03886575996875763},{"word":"fund","start":466.615,"end":467.015,"confidence":0.95410156,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.006003677845001221},{"word":"pays","start":467.015,"end":467.495,"confidence":0.9921875,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":-0.02803993597626686},{"word":"capital","start":467.495,"end":467.895,"confidence":0.9243164,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.06014849245548248},{"word":"gains","start":467.895,"end":468.215,"confidence":0.9941406,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.035047486424446106},{"word":"and","start":468.215,"end":468.375,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06641772389411926},{"word":"income","start":468.375,"end":468.775,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.05276395380496979},{"word":"tax","start":468.775,"end":469.095,"confidence":0.97875977,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.04570480436086655},{"word":"it","start":469.095,"end":469.175,"confidence":0.9370117,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.015445105731487274},{"word":"does","start":469.175,"end":469.415,"confidence":0.9038086,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.01891652494668961},{"word":"a","start":469.415,"end":469.495,"confidence":0.89453125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01523345336318016},{"word":"tax","start":469.495,"end":469.815,"confidence":0.9741211,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.008834026753902435},{"word":"return","start":469.815,"end":470.055,"confidence":0.99609375,"punctuated_word":"return","sentiment":"neutral","sentiment_score":-0.02484193444252014},{"word":"every","start":470.055,"end":470.375,"confidence":0.9951172,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.005281403660774231},{"word":"year","start":470.375,"end":470.535,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.01154608279466629},{"word":"just","start":470.535,"end":470.775,"confidence":0.984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.002432301640510559},{"word":"like","start":470.775,"end":471.015,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.010372117161750792},{"word":"you","start":471.015,"end":471.175,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0009650513529777528},{"word":"do","start":471.175,"end":471.6,"confidence":0.99658203,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.034465763717889786},{"word":"so","start":472.0,"end":472.08002,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.006732266396284103},{"word":"in","start":472.08002,"end":472.24002,"confidence":0.87597656,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.005958057940006256},{"word":"order","start":472.24002,"end":472.56,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":-0.00034034065902233124},{"word":"to","start":472.56,"end":472.64,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004914414137601852},{"word":"settle","start":472.64,"end":472.96,"confidence":0.5703125,"punctuated_word":"settle","sentiment":"neutral","sentiment_score":-0.013275966048240662},{"word":"down","start":472.96,"end":473.12,"confidence":0.97802734,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.004782550036907196},{"word":"all","start":473.12,"end":473.36002,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.00807303935289383},{"word":"the","start":473.36002,"end":473.52002,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014550257474184036},{"word":"investments","start":473.52002,"end":474.0,"confidence":0.9970703,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.02708550915122032},{"word":"and","start":474.0,"end":474.16,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03586725890636444},{"word":"move","start":474.16,"end":474.4,"confidence":0.9873047,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.023138970136642456},{"word":"to","start":474.4,"end":474.56,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.008173517882823944},{"word":"whole","start":474.56,"end":474.80002,"confidence":0.8442383,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.0008781328797340393},{"word":"new","start":474.80002,"end":475.12,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.003393910825252533},{"word":"platforms","start":475.12,"end":475.62,"confidence":0.99609375,"punctuated_word":"platforms,","sentiment":"neutral","sentiment_score":0.013097921386361122},{"word":"it","start":476.0,"end":476.24002,"confidence":0.9741211,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.056604646146297455},{"word":"does","start":476.24002,"end":476.48,"confidence":0.9970703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.04754185676574707},{"word":"require","start":476.48,"end":476.98,"confidence":0.94628906,"punctuated_word":"require","sentiment":"neutral","sentiment_score":-0.058886319398880005},{"word":"capital","start":477.28,"end":477.68,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.1229756772518158},{"word":"gains","start":477.68,"end":478.0,"confidence":0.96777344,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.07236389815807343},{"word":"consequences","start":478.0,"end":478.5,"confidence":0.92700195,"punctuated_word":"consequences.","sentiment":"neutral","sentiment_score":-0.06221313774585724},{"word":"and","start":478.64,"end":478.80002,"confidence":0.77978516,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0038287490606307983},{"word":"i","start":478.80002,"end":478.88,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004722066223621368},{"word":"want","start":478.88,"end":479.12,"confidence":0.7753906,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.02292656898498535},{"word":"to","start":479.12,"end":479.28,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.019681274890899655},{"word":"minimize","start":479.28,"end":479.76,"confidence":1.0,"punctuated_word":"minimize","sentiment":"neutral","sentiment_score":0.02546745538711548},{"word":"that","start":479.76,"end":479.92,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02790563553571701},{"word":"as","start":479.92,"end":480.08002,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.009482786059379578},{"word":"much","start":480.08002,"end":480.32,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.020465359091758728},{"word":"as","start":480.32,"end":480.48,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03257445991039276},{"word":"possible","start":480.48,"end":480.96,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.02613632380962372},{"word":"because","start":480.96,"end":481.36002,"confidence":0.8015137,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.05545080453157425},{"word":"realistically","start":481.36002,"end":481.86002,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.07712973654270172},{"word":"lowering","start":482.72,"end":483.12,"confidence":0.87890625,"punctuated_word":"lowering","sentiment":"neutral","sentiment_score":0.054266855120658875},{"word":"the","start":483.12,"end":483.28,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0269758477807045},{"word":"tax","start":483.28,"end":483.6,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.008237995207309723},{"word":"consequences","start":483.6,"end":484.1,"confidence":0.9980469,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":-0.04536817967891693},{"word":"mean","start":484.32,"end":484.82,"confidence":0.6821289,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.033246368169784546},{"word":"essentially","start":485.175,"end":485.415,"confidence":0.9946289,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.024070030078291893},{"word":"like","start":485.415,"end":485.735,"confidence":0.9890137,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02837352454662323},{"word":"if","start":485.735,"end":485.895,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.021008532494306564},{"word":"you","start":485.895,"end":486.055,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012670215219259262},{"word":"paid","start":486.055,"end":486.375,"confidence":0.7109375,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.008272286504507065},{"word":"near","start":486.375,"end":486.635,"confidence":0.6425781,"punctuated_word":"near","sentiment":"neutral","sentiment_score":0.0014611408114433289},{"word":"$5","start":486.635,"end":487.155,"confidence":0.9980469,"punctuated_word":"$5","sentiment":"neutral","sentiment_score":0.007824167609214783},{"word":"in","start":487.155,"end":487.415,"confidence":0.9760742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0267036035656929},{"word":"in","start":487.415,"end":487.915,"confidence":0.73828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03178463131189346},{"word":"capital","start":488.055,"end":488.455,"confidence":0.78515625,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.012534674257040024},{"word":"gains","start":488.455,"end":488.855,"confidence":0.99121094,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.0056619420647621155},{"word":"tax","start":488.855,"end":489.335,"confidence":0.99316406,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.015256164595484734},{"word":"that","start":489.335,"end":489.575,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0014411583542823792},{"word":"comes","start":489.575,"end":489.815,"confidence":0.99902344,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.017245952039957047},{"word":"off","start":489.815,"end":489.975,"confidence":0.9790039,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.0016001760959625244},{"word":"your","start":489.975,"end":490.215,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.006407909095287323},{"word":"balance","start":490.215,"end":490.615,"confidence":0.8522949,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":-0.003887511789798737},{"word":"essentially","start":490.615,"end":491.115,"confidence":0.99194336,"punctuated_word":"essentially.","sentiment":"neutral","sentiment_score":0.008067116141319275},{"word":"so","start":491.175,"end":491.675,"confidence":0.91015625,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.05014100670814514},{"word":"realistically","start":491.735,"end":492.235,"confidence":0.9995117,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.08874144405126572},{"word":"minimizing","start":492.455,"end":492.955,"confidence":0.9863281,"punctuated_word":"minimizing","sentiment":"neutral","sentiment_score":0.08390636742115021},{"word":"that","start":493.095,"end":493.255,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06563527882099152},{"word":"cost","start":493.255,"end":493.735,"confidence":0.9951172,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.04987020045518875},{"word":"helps","start":493.735,"end":494.055,"confidence":0.7050781,"punctuated_word":"helps","sentiment":"neutral","sentiment_score":0.07392413169145584},{"word":"your","start":494.055,"end":494.29498,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1101464107632637},{"word":"balance","start":494.29498,"end":494.695,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.10592158883810043},{"word":"continue","start":494.695,"end":495.175,"confidence":0.99121094,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.16210845112800598},{"word":"to","start":495.175,"end":495.335,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11563050001859664},{"word":"grow","start":495.335,"end":495.735,"confidence":0.8095703,"punctuated_word":"grow,","sentiment":"neutral","sentiment_score":0.1311278939247131},{"word":"if","start":495.735,"end":495.895,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0847940519452095},{"word":"that","start":495.895,"end":496.135,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06664444506168365},{"word":"makes","start":496.135,"end":496.375,"confidence":0.9707031,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.06226933375000954},{"word":"sense","start":496.375,"end":496.875,"confidence":0.9980469,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.023808889091014866},{"word":"yeah","start":497.815,"end":498.315,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.049069128930568695},{"word":"so","start":498.93002,"end":499.25,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04950832575559616},{"word":"recommending","start":499.25,"end":499.75,"confidence":0.9970703,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.05270309001207352},{"word":"your","start":499.81,"end":499.97,"confidence":0.9223633,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04473022371530533},{"word":"retention","start":499.97,"end":500.37003,"confidence":0.64990234,"punctuated_word":"retention","sentiment":"neutral","sentiment_score":0.04945814609527588},{"word":"of","start":500.37003,"end":500.53,"confidence":0.82910156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04179518669843674},{"word":"mlc","start":500.53,"end":501.01,"confidence":0.99316406,"punctuated_word":"MLC","sentiment":"neutral","sentiment_score":0.04012919217348099},{"word":"and","start":501.01,"end":501.25,"confidence":0.9614258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04704151302576065},{"word":"hub","start":501.25,"end":501.49002,"confidence":0.4152832,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.07173121720552444},{"word":"twenty","start":501.49002,"end":501.81,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.07675547152757645},{"word":"four","start":501.81,"end":502.31,"confidence":0.7832031,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.06127507984638214},{"word":"because","start":502.69,"end":502.93002,"confidence":0.8881836,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06007569283246994},{"word":"you've","start":502.93002,"end":503.17,"confidence":0.9655762,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.06120803579688072},{"word":"got","start":503.17,"end":503.33002,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.055617332458496094},{"word":"33,000","start":503.33002,"end":504.21002,"confidence":0.9996745,"punctuated_word":"33,000","sentiment":"neutral","sentiment_score":0.0551266223192215},{"word":"in","start":504.21002,"end":504.45,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0563744455575943},{"word":"mlc","start":504.45,"end":504.85,"confidence":0.9501953,"punctuated_word":"MLC","sentiment":"neutral","sentiment_score":0.04044332355260849},{"word":"at","start":504.85,"end":504.93002,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.056348562240600586},{"word":"the","start":504.93002,"end":505.09003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.051759377121925354},{"word":"moment","start":505.09003,"end":505.33002,"confidence":0.97680664,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.05607551336288452},{"word":"we","start":505.33002,"end":505.49002,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.051434196531772614},{"word":"do","start":505.49002,"end":505.73,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05170547217130661},{"word":"wanna","start":505.73,"end":506.05002,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.060280803591012955},{"word":"roll","start":506.05002,"end":506.29,"confidence":0.9980469,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.06394690275192261},{"word":"over","start":506.29,"end":506.53,"confidence":0.9716797,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.0415196567773819},{"word":"all","start":506.53,"end":506.69,"confidence":0.91503906,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.04378625005483627},{"word":"but","start":506.69,"end":506.93002,"confidence":0.81933594,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.038574084639549255},{"word":"10,000","start":506.93002,"end":507.57,"confidence":0.86743164,"punctuated_word":"10,000,","sentiment":"neutral","sentiment_score":0.05336005240678787},{"word":"just","start":507.57,"end":507.81,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03653056547045708},{"word":"retaining","start":507.81,"end":508.21002,"confidence":0.98291016,"punctuated_word":"retaining","sentiment":"neutral","sentiment_score":0.04254836589097977},{"word":"that","start":508.21002,"end":508.37003,"confidence":0.7993164,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04445160552859306},{"word":"10,000","start":508.37003,"end":509.01,"confidence":1.0,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":0.058985669165849686},{"word":"in","start":509.01,"end":509.17,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05644470453262329},{"word":"the","start":509.17,"end":509.33002,"confidence":0.55908203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04506256431341171},{"word":"mlc","start":509.33002,"end":509.83002,"confidence":0.99902344,"punctuated_word":"MLC","sentiment":"neutral","sentiment_score":0.035329513251781464},{"word":"and","start":510.05002,"end":510.29,"confidence":0.38793945,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03614293783903122},{"word":"moving","start":510.29,"end":510.61002,"confidence":0.9980469,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.033725328743457794},{"word":"the","start":510.61002,"end":510.69,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06932399421930313},{"word":"rest","start":510.69,"end":510.93002,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.07810796797275543},{"word":"of","start":510.93002,"end":511.01,"confidence":0.9863281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03430675342679024},{"word":"the","start":511.01,"end":511.17,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03691179305315018},{"word":"funds","start":511.17,"end":511.49002,"confidence":0.99609375,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.04071733355522156},{"word":"over","start":511.49002,"end":511.73,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.049731507897377014},{"word":"to","start":511.73,"end":511.89,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.043092500418424606},{"word":"hub","start":511.89,"end":512.13,"confidence":0.9604492,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.037492427974939346},{"word":"twenty","start":512.13,"end":512.53,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.04241508990526199},{"word":"four","start":512.53,"end":513.03,"confidence":0.9667969,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.03945786878466606},{"word":"essentially","start":513.76495,"end":514.26495,"confidence":0.9951172,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.09351867437362672},{"word":"that","start":514.40497,"end":514.64496,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1379774808883667},{"word":"would","start":514.64496,"end":514.805,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1326812505722046},{"word":"leave","start":514.805,"end":514.96497,"confidence":0.9589844,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.1411309391260147},{"word":"you","start":514.96497,"end":515.045,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16951285302639008},{"word":"with","start":515.045,"end":515.20496,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13374871015548706},{"word":"a","start":515.20496,"end":515.285,"confidence":0.9111328,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14110660552978516},{"word":"balance","start":515.285,"end":515.605,"confidence":0.96972656,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.14687761664390564},{"word":"in","start":515.605,"end":515.685,"confidence":0.7753906,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13976652920246124},{"word":"hub","start":515.685,"end":515.925,"confidence":0.98828125,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.10951605439186096},{"word":"twenty","start":515.925,"end":516.165,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.12357589602470398},{"word":"four","start":516.165,"end":516.325,"confidence":0.9970703,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.12291186302900314},{"word":"of","start":516.325,"end":516.485,"confidence":0.91015625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12608405947685242},{"word":"about","start":516.485,"end":516.725,"confidence":0.9892578,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1167636662721634},{"word":"104200","start":516.725,"end":518.485,"confidence":0.9987444,"punctuated_word":"104200","sentiment":"neutral","sentiment_score":0.11943036317825316},{"word":"and","start":518.485,"end":518.565,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16933004558086395},{"word":"four","start":518.565,"end":518.805,"confidence":0.97314453,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.20219716429710388},{"word":"which","start":518.805,"end":519.045,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2750687301158905},{"word":"is","start":519.045,"end":519.285,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.34167373180389404},{"word":"fantastic","start":519.285,"end":519.785,"confidence":0.99902344,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.3647385537624359},{"word":"it's","start":522.565,"end":522.725,"confidence":0.9304199,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.027627110481262207},{"word":"i","start":522.885,"end":523.045,"confidence":0.40576172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01802792400121689},{"word":"understand","start":523.045,"end":523.545,"confidence":0.99658203,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":0.03194259852170944},{"word":"yeah","start":523.685,"end":523.925,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.030864758417010307},{"word":"and","start":523.925,"end":524.08496,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.026692859828472137},{"word":"your","start":524.08496,"end":524.325,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.020865876227617264},{"word":"insurances","start":524.325,"end":524.825,"confidence":0.83740234,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.037445563822984695},{"word":"your","start":524.96497,"end":525.20496,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04491347447037697},{"word":"life","start":525.20496,"end":525.365,"confidence":0.9863281,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.0635489672422409},{"word":"and","start":525.365,"end":525.605,"confidence":0.8852539,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.047206126153469086},{"word":"tpd","start":525.605,"end":526.08496,"confidence":0.81103516,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.0414583645761013},{"word":"which","start":526.08496,"end":526.245,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0665651261806488},{"word":"is","start":526.245,"end":526.40497,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05556008964776993},{"word":"important","start":526.40497,"end":526.805,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.04145198315382004},{"word":"to","start":526.805,"end":526.96497,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05070895701646805},{"word":"keep","start":526.96497,"end":527.20496,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.05348590761423111},{"word":"for","start":527.20496,"end":527.365,"confidence":0.7192383,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03680722042918205},{"word":"the","start":527.365,"end":527.52496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.033046621829271317},{"word":"moment","start":527.52496,"end":528.02496,"confidence":0.99316406,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.04426700249314308},{"word":"yeah","start":528.245,"end":528.745,"confidence":0.91064453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07450176775455475},{"word":"yeah","start":529.13,"end":529.63,"confidence":0.70251465,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0625683143734932},{"word":"yeah","start":530.09,"end":530.59,"confidence":0.9211426,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10698366165161131},{"word":"i","start":530.81,"end":531.13,"confidence":0.7783203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1769837886095047},{"word":"will","start":531.13,"end":531.37,"confidence":0.9892578,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.10862168669700624},{"word":"sorta","start":531.37,"end":531.69,"confidence":0.73657227,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.1284417062997818},{"word":"go","start":531.69,"end":531.85,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11097860336303712},{"word":"through","start":531.85,"end":532.09,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1161118671298027},{"word":"an","start":532.09,"end":532.25,"confidence":0.80615234,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10285071283578873},{"word":"adjustment","start":532.25,"end":532.65,"confidence":0.98535156,"punctuated_word":"adjustment","sentiment":"neutral","sentiment_score":0.091071218252182},{"word":"of","start":532.65,"end":532.73,"confidence":0.83447266,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07377420365810394},{"word":"the","start":532.73,"end":532.89,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0836363434791565},{"word":"portfolio","start":532.89,"end":533.39,"confidence":0.782959,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.05246815085411072},{"word":"but","start":533.61,"end":533.85,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06761673092842102},{"word":"when","start":533.85,"end":534.01,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.11738535761833192},{"word":"i","start":534.01,"end":534.17,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12720876932144165},{"word":"looked","start":534.17,"end":534.33,"confidence":0.99121094,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.07798880338668823},{"word":"at","start":534.33,"end":534.49,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07231009006500244},{"word":"the","start":534.49,"end":534.65,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1124105304479599},{"word":"capital","start":534.65,"end":535.05,"confidence":0.9536133,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.03532158583402634},{"word":"gains","start":535.05,"end":535.37,"confidence":0.9667969,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.04792518168687821},{"word":"consequences","start":535.37,"end":535.87,"confidence":0.9873047,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":0.05459607392549515},{"word":"for","start":536.09,"end":536.33,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12650109827518463},{"word":"being","start":536.33,"end":536.65,"confidence":0.9892578,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.14574939012527466},{"word":"able","start":536.65,"end":536.89,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1495768427848816},{"word":"to","start":536.89,"end":536.97,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15870313346385956},{"word":"adjust","start":536.97,"end":537.37,"confidence":1.0,"punctuated_word":"adjust","sentiment":"neutral","sentiment_score":0.0962020307779312},{"word":"your","start":537.37,"end":537.61,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17906329035758972},{"word":"portfolio","start":537.61,"end":538.11,"confidence":0.99658203,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.12860803306102753},{"word":"it","start":538.73,"end":538.81,"confidence":0.9472656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2111956775188446},{"word":"came","start":538.81,"end":539.13,"confidence":0.99902344,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.21256017684936523},{"word":"to","start":539.13,"end":539.21,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18902069330215457},{"word":"$4","start":539.21,"end":539.93,"confidence":0.94091797,"punctuated_word":"$4.","sentiment":"neutral","sentiment_score":0.12608171999454498},{"word":"so","start":539.93,"end":540.09,"confidence":0.9970703,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4201444089412689},{"word":"i","start":540.09,"end":540.17,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7005261778831482},{"word":"was","start":540.17,"end":540.33,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.6317550539970398},{"word":"really","start":540.33,"end":540.57,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7072994112968445},{"word":"happy","start":540.57,"end":540.89,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6434987783432007},{"word":"with","start":540.89,"end":541.05,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.7627540826797485},{"word":"that","start":541.05,"end":541.545,"confidence":0.99609375,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.682312548160553},{"word":"that's","start":543.545,"end":543.785,"confidence":0.81811523,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.495435893535614},{"word":"pretty","start":543.785,"end":544.285,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3942374885082245},{"word":"yeah","start":545.065,"end":545.385,"confidence":0.9897461,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.3539857864379883},{"word":"exactly","start":545.385,"end":545.865,"confidence":0.99853516,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.19896528124809265},{"word":"if","start":545.865,"end":546.02496,"confidence":0.94140625,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.13584689795970917},{"word":"i","start":546.02496,"end":546.185,"confidence":0.9580078,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.098110631108284},{"word":"need","start":546.185,"end":546.345,"confidence":0.6323242,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0822465792298317},{"word":"capital","start":546.345,"end":546.825,"confidence":0.76416016,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.04209126532077789},{"word":"gains","start":546.825,"end":547.14496,"confidence":0.81689453,"punctuated_word":"gains,","sentiment":"neutral","sentiment_score":0.06280939280986786},{"word":"i","start":547.14496,"end":547.225,"confidence":0.48168945,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.050341203808784485},{"word":"mean","start":547.225,"end":547.545,"confidence":0.5551758,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.07752946764230728},{"word":"if","start":547.545,"end":547.625,"confidence":0.84277344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.070985808968544},{"word":"i","start":547.625,"end":547.785,"confidence":0.90527344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08238436281681061},{"word":"need","start":547.785,"end":547.945,"confidence":0.24169922,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.06605160236358643},{"word":"to","start":547.945,"end":548.105,"confidence":0.9301758,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06631702929735184},{"word":"pay","start":548.105,"end":548.345,"confidence":0.98535156,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.04210735857486725},{"word":"$4","start":548.345,"end":548.745,"confidence":0.9980469,"punctuated_word":"$4","sentiment":"neutral","sentiment_score":0.055466245859861374},{"word":"in","start":548.745,"end":548.90497,"confidence":0.9160156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0761854350566864},{"word":"tax","start":548.90497,"end":549.225,"confidence":0.9892578,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1193627342581749},{"word":"more","start":549.225,"end":549.385,"confidence":0.99609375,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.033663392066955566},{"word":"regularly","start":549.385,"end":549.885,"confidence":0.91918945,"punctuated_word":"regularly.","sentiment":"neutral","sentiment_score":0.032794319093227386},{"word":"essentially","start":553.065,"end":553.565,"confidence":0.83984375,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.060774337500333786},{"word":"moving","start":553.625,"end":554.105,"confidence":0.9970703,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.10772442072629929},{"word":"over","start":554.105,"end":554.345,"confidence":0.79052734,"punctuated_word":"over,","sentiment":"neutral","sentiment_score":0.10862351208925249},{"word":"the","start":554.345,"end":554.58,"confidence":0.9375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1505529135465622},{"word":"admin","start":554.66003,"end":554.86,"confidence":0.9980469,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":0.13182851672172546},{"word":"fee","start":554.86,"end":555.06,"confidence":0.97802734,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.1094125285744667},{"word":"does","start":555.06,"end":555.38,"confidence":0.9941406,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.08906373381614685},{"word":"increase","start":555.38,"end":555.78,"confidence":0.9760742,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.09930196404457092},{"word":"slightly","start":555.78,"end":556.18,"confidence":0.9941406,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":0.07201091945171356},{"word":"because","start":556.18,"end":556.42004,"confidence":0.8925781,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.11348690092563628},{"word":"we","start":556.42004,"end":556.58,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12705892324447632},{"word":"are","start":556.58,"end":556.66003,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10926148295402528},{"word":"putting","start":556.66003,"end":556.98004,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.1072283387184143},{"word":"more","start":556.98004,"end":557.14,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.08385327458381653},{"word":"money","start":557.14,"end":557.38,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.1103055477142334},{"word":"in","start":557.38,"end":557.54004,"confidence":0.5107422,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.116629958152771},{"word":"the","start":557.54004,"end":557.7,"confidence":0.94189453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11304976046085358},{"word":"hub","start":557.7,"end":557.86005,"confidence":0.7192383,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.07823465019464493},{"word":"24","start":557.86005,"end":558.42004,"confidence":0.9934082,"punctuated_word":"24.","sentiment":"neutral","sentiment_score":0.08205218613147736},{"word":"i","start":558.42004,"end":558.58,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10947811603546144},{"word":"expect","start":558.58,"end":558.82,"confidence":0.7866211,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.14239472150802612},{"word":"it","start":558.82,"end":558.98004,"confidence":0.984375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1603466123342514},{"word":"to","start":558.98004,"end":559.14,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17496760189533234},{"word":"increase","start":559.14,"end":559.54004,"confidence":0.9980469,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.1486624777317047},{"word":"by","start":559.54004,"end":559.7,"confidence":0.9658203,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.11883974820375444},{"word":"about","start":559.7,"end":559.94,"confidence":0.99316406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.11578914523124696},{"word":"$40","start":559.94,"end":560.58,"confidence":1.0,"punctuated_word":"$40","sentiment":"neutral","sentiment_score":0.14932182431221008},{"word":"per","start":560.58,"end":560.74,"confidence":0.6816406,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.12530836462974548},{"word":"year","start":560.74,"end":560.98004,"confidence":0.9716797,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.09462064504623412},{"word":"it's","start":560.98004,"end":561.06,"confidence":0.9663086,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.172535702586174},{"word":"a","start":561.06,"end":561.22003,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2081628739833832},{"word":"very","start":561.22003,"end":561.46,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.12644772231578827},{"word":"minor","start":561.46,"end":561.86005,"confidence":1.0,"punctuated_word":"minor","sentiment":"neutral","sentiment_score":0.09853315353393556},{"word":"increase","start":561.86005,"end":562.34,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.10373998433351515},{"word":"there","start":562.34,"end":562.84,"confidence":0.9941406,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.08961919695138931},{"word":"however","start":563.14,"end":563.54004,"confidence":0.9641113,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.11056092381477356},{"word":"the","start":563.54004,"end":563.7,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2758796811103821},{"word":"newer","start":563.7,"end":564.10004,"confidence":0.9589844,"punctuated_word":"newer","sentiment":"neutral","sentiment_score":0.3149700164794922},{"word":"portfolio","start":564.10004,"end":564.60004,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.300888329744339},{"word":"is","start":564.9,"end":565.14,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.38201743364334106},{"word":"expected","start":565.14,"end":565.62,"confidence":0.9980469,"punctuated_word":"expected","sentiment":"positive","sentiment_score":0.5234839916229248},{"word":"to","start":565.62,"end":565.78,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4927073121070862},{"word":"save","start":565.78,"end":566.02,"confidence":1.0,"punctuated_word":"save","sentiment":"positive","sentiment_score":0.344495564699173},{"word":"you","start":566.02,"end":566.42004,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3922668695449829},{"word":"$388","start":566.42004,"end":568.02,"confidence":0.9562256,"punctuated_word":"$388.","sentiment":"positive","sentiment_score":0.3738573491573334},{"word":"so","start":568.02,"end":568.18,"confidence":0.9838867,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3456633985042572},{"word":"i","start":568.18,"end":568.26,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.482522577047348},{"word":"was","start":568.26,"end":568.5,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.46997541189193726},{"word":"able","start":568.5,"end":568.74,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.4438068866729736},{"word":"to","start":568.74,"end":568.9,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4538157284259796},{"word":"find","start":568.9,"end":569.22003,"confidence":0.99902344,"punctuated_word":"find","sentiment":"positive","sentiment_score":0.4787521362304687},{"word":"a","start":569.22003,"end":569.3,"confidence":0.9707031,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.43785133957862854},{"word":"portfolio","start":569.3,"end":569.8,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2741858959197998},{"word":"that","start":569.94,"end":570.10004,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3883187472820282},{"word":"was","start":570.10004,"end":570.26,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.3815977275371551},{"word":"much","start":570.26,"end":570.525,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.30843424797058105},{"word":"cheaper","start":570.60504,"end":570.80505,"confidence":1.0,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.3392142355442047},{"word":"for","start":570.80505,"end":571.005,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28771892189979553},{"word":"you","start":571.005,"end":571.505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26621782779693604},{"word":"and","start":572.125,"end":572.36505,"confidence":0.53515625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2364804446697235},{"word":"save","start":572.36505,"end":572.685,"confidence":0.93847656,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.2316574454307556},{"word":"you","start":572.685,"end":572.84503,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2925760746002197},{"word":"$388","start":572.84503,"end":574.125,"confidence":0.99833983,"punctuated_word":"$388","sentiment":"positive","sentiment_score":0.38313448429107666},{"word":"for","start":574.125,"end":574.28503,"confidence":0.95410156,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3764893114566803},{"word":"the","start":574.28503,"end":574.36505,"confidence":0.9941406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34162288904190063},{"word":"year","start":574.36505,"end":574.60504,"confidence":0.97631836,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.3509455919265747},{"word":"which","start":574.60504,"end":574.765,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.3684002459049225},{"word":"is","start":574.765,"end":574.92505,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.32795000076293945},{"word":"also","start":574.92505,"end":575.245,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.29693642258644104},{"word":"a","start":575.245,"end":575.405,"confidence":0.99121094,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3630295395851135},{"word":"benefit","start":575.405,"end":575.645,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.3594650328159332},{"word":"and","start":575.645,"end":575.885,"confidence":0.80566406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.33314141631126404},{"word":"a","start":575.885,"end":576.04504,"confidence":0.88964844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.33028414845466614},{"word":"bonus","start":576.04504,"end":576.445,"confidence":1.0,"punctuated_word":"bonus","sentiment":"positive","sentiment_score":0.33627158403396606},{"word":"there","start":576.445,"end":576.945,"confidence":0.9951172,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2608407735824585},{"word":"excellent","start":579.005,"end":579.48505,"confidence":0.9616699,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4664245843887329},{"word":"the","start":579.48505,"end":579.645,"confidence":0.99121094,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.5413216352462769},{"word":"newer","start":579.645,"end":579.965,"confidence":0.9838867,"punctuated_word":"newer","sentiment":"positive","sentiment_score":0.5480790138244629},{"word":"portfolio","start":579.965,"end":580.465,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.5319417119026184},{"word":"has","start":580.685,"end":580.92505,"confidence":0.9980469,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5877029895782471},{"word":"also","start":580.92505,"end":581.325,"confidence":0.99609375,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.5323954820632935},{"word":"averaged","start":581.325,"end":581.825,"confidence":0.9838867,"punctuated_word":"averaged","sentiment":"positive","sentiment_score":0.5799768567085266},{"word":"9.86%","start":581.965,"end":583.325,"confidence":0.9710938,"punctuated_word":"9.86%","sentiment":"positive","sentiment_score":0.42526134848594666},{"word":"over","start":583.325,"end":583.65,"confidence":0.99121094,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4678057134151459},{"word":"the","start":583.65,"end":583.81,"confidence":0.9526367,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.386643260717392},{"word":"past","start":583.81,"end":584.05005,"confidence":0.9970703,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.30570000410079956},{"word":"five","start":584.05005,"end":584.13,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.23118500411510468},{"word":"years","start":584.13,"end":584.53,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.31712713837623596},{"word":"as","start":584.53,"end":584.61005,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.30158525705337524},{"word":"well","start":584.61005,"end":584.93005,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2817136347293854},{"word":"between","start":584.93005,"end":585.33,"confidence":0.98095703,"punctuated_word":"between","sentiment":"positive","sentiment_score":0.3848946988582611},{"word":"mlc","start":585.33,"end":585.81,"confidence":0.9951172,"punctuated_word":"MLC","sentiment":"positive","sentiment_score":0.3436897397041321},{"word":"and","start":585.81,"end":585.97003,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32627156376838684},{"word":"hub","start":585.97003,"end":586.29004,"confidence":0.64941406,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.3075731098651886},{"word":"twenty","start":586.29004,"end":586.53,"confidence":0.9291992,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.3502872586250305},{"word":"four","start":586.53,"end":586.77,"confidence":0.8803711,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.31157386302948},{"word":"so","start":586.77,"end":586.93005,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5410131812095642},{"word":"i","start":586.93005,"end":587.01,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7679488062858582},{"word":"was","start":587.01,"end":587.17004,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.8084612488746643},{"word":"very","start":587.17004,"end":587.41003,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.8073191046714783},{"word":"happy","start":587.41003,"end":587.73004,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.8004860281944275},{"word":"to","start":587.73004,"end":587.81,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7594369053840637},{"word":"be","start":587.81,"end":587.97003,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.70938640832901},{"word":"able","start":587.97003,"end":588.21,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.7174090147018433},{"word":"to","start":588.21,"end":588.29004,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6971810460090637},{"word":"look","start":588.29004,"end":588.45,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.7169409394264221},{"word":"at","start":588.45,"end":588.61005,"confidence":0.99609375,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.7431638240814209},{"word":"something","start":588.61005,"end":588.93005,"confidence":0.99902344,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.6806998252868652},{"word":"that's","start":588.93005,"end":589.17004,"confidence":0.7607422,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5870940089225769},{"word":"performing","start":589.17004,"end":589.65,"confidence":0.99902344,"punctuated_word":"performing","sentiment":"positive","sentiment_score":0.5965203046798706},{"word":"better","start":589.65,"end":590.15,"confidence":0.89160156,"punctuated_word":"better.","sentiment":"positive","sentiment_score":0.6104896068572998},{"word":"and","start":590.37,"end":590.61005,"confidence":0.6777344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.35688135027885437},{"word":"when","start":590.61005,"end":590.93005,"confidence":0.99316406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.31618955731391907},{"word":"when","start":590.93005,"end":591.17004,"confidence":0.9790039,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.24847480654716492},{"word":"you","start":591.17004,"end":591.25,"confidence":0.96777344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.242674857378006},{"word":"consider","start":591.25,"end":591.73004,"confidence":0.9838867,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.21133320033550265},{"word":"the","start":591.73004,"end":591.81,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21998098492622375},{"word":"ups","start":591.81,"end":591.97003,"confidence":0.9980469,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":0.15092742443084717},{"word":"and","start":591.97003,"end":592.13,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08867456018924713},{"word":"downs","start":592.13,"end":592.45,"confidence":0.9980469,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":0.10960163176059724},{"word":"over","start":592.45,"end":592.61005,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.11356226354837418},{"word":"the","start":592.61005,"end":592.77,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1342003047466278},{"word":"last","start":592.77,"end":593.01,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1730523556470871},{"word":"five","start":593.01,"end":593.17004,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.12915265560150146},{"word":"years","start":593.17004,"end":593.41003,"confidence":0.96850586,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.17475071549415588},{"word":"if","start":593.41003,"end":593.57,"confidence":0.9472656,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19028715789318085},{"word":"this","start":593.57,"end":593.73004,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1925874650478363},{"word":"portfolio","start":593.73004,"end":594.23004,"confidence":0.97998047,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.08860550820827484},{"word":"has","start":594.29004,"end":594.45,"confidence":0.78808594,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.17894597351551056},{"word":"averaged","start":594.45,"end":594.93005,"confidence":0.9790039,"punctuated_word":"averaged","sentiment":"neutral","sentiment_score":0.1956031620502472},{"word":"9.86%","start":594.93005,"end":596.21,"confidence":0.9863281,"punctuated_word":"9.86%,","sentiment":"neutral","sentiment_score":0.21781982481479645},{"word":"moving","start":596.21,"end":596.45,"confidence":0.9970703,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.25291264057159424},{"word":"forward","start":596.45,"end":596.77,"confidence":0.9333496,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.29711729288101196},{"word":"it","start":596.77,"end":596.93005,"confidence":0.9970703,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3340011537075043},{"word":"should","start":596.93005,"end":597.09,"confidence":0.99902344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.28108376264572144},{"word":"be","start":597.09,"end":597.25,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.24416828155517575},{"word":"able","start":597.25,"end":597.49005,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.22481891512870789},{"word":"to","start":597.49005,"end":597.73004,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20672640204429624},{"word":"obtain","start":597.73004,"end":598.05005,"confidence":0.61083984,"punctuated_word":"obtain","sentiment":"neutral","sentiment_score":0.1695394068956375},{"word":"close","start":598.05005,"end":598.37,"confidence":0.47460938,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.22447112202644348},{"word":"to","start":598.37,"end":598.45,"confidence":0.7338867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27292340993881226},{"word":"that","start":598.45,"end":598.61005,"confidence":0.9589844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29601433873176575},{"word":"on","start":598.61005,"end":598.69,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.27639809250831604},{"word":"a","start":598.69,"end":598.77,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.254507452249527},{"word":"regular","start":598.77,"end":599.17004,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.3229564130306244},{"word":"basis","start":599.17004,"end":599.625,"confidence":1.0,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.29101693630218506},{"word":"as","start":599.625,"end":599.865,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2340725809335709},{"word":"well","start":599.865,"end":600.105,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.17442476749420166},{"word":"okay","start":600.105,"end":600.605,"confidence":0.87280273,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.10297799110412598},{"word":"excellent","start":601.785,"end":602.285,"confidence":0.9970703,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4995962977409363},{"word":"so","start":602.505,"end":602.825,"confidence":0.8984375,"punctuated_word":"So,","sentiment":"positive","sentiment_score":0.4541904032230377},{"word":"realistically","start":602.825,"end":603.325,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"positive","sentiment_score":0.475294291973114},{"word":"that","start":603.465,"end":603.625,"confidence":0.9707031,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5132805705070496},{"word":"should","start":603.625,"end":603.705,"confidence":0.99316406,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.4780944585800171},{"word":"put","start":603.705,"end":603.865,"confidence":0.99902344,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.4480613172054291},{"word":"you","start":603.865,"end":604.025,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4694218933582306},{"word":"in","start":604.025,"end":604.185,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5008198618888855},{"word":"a","start":604.185,"end":604.265,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.42136430740356445},{"word":"much","start":604.265,"end":604.425,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.3975394368171692},{"word":"greater","start":604.425,"end":604.745,"confidence":0.99902344,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.40073004364967346},{"word":"position","start":604.745,"end":605.225,"confidence":0.80908203,"punctuated_word":"position,","sentiment":"positive","sentiment_score":0.4019674062728882},{"word":"also","start":605.225,"end":605.545,"confidence":0.9970703,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.3747805655002594},{"word":"save","start":605.545,"end":605.785,"confidence":0.8989258,"punctuated_word":"save","sentiment":"positive","sentiment_score":0.3631990253925323},{"word":"you","start":605.785,"end":605.945,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.44442763924598694},{"word":"in","start":605.945,"end":606.105,"confidence":0.9790039,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4755254089832306},{"word":"keys","start":606.105,"end":606.505,"confidence":0.8857422,"punctuated_word":"keys","sentiment":"neutral","sentiment_score":0.31776341795921326},{"word":"fees","start":606.825,"end":607.065,"confidence":0.7832031,"punctuated_word":"fees,","sentiment":"positive","sentiment_score":0.3722882866859436},{"word":"sorry","start":607.065,"end":607.385,"confidence":0.99609375,"punctuated_word":"sorry,","sentiment":"positive","sentiment_score":0.33405619859695435},{"word":"and","start":607.385,"end":607.785,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28443363308906555},{"word":"minimize","start":607.785,"end":608.285,"confidence":0.8911133,"punctuated_word":"minimize","sentiment":"neutral","sentiment_score":0.32359039783477783},{"word":"the","start":608.345,"end":608.505,"confidence":0.98828125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.440744549036026},{"word":"cdt","start":608.505,"end":609.005,"confidence":0.90966797,"punctuated_word":"CDT","sentiment":"neutral","sentiment_score":0.2425617873668671},{"word":"cost","start":609.145,"end":609.465,"confidence":0.921875,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.2846057415008545},{"word":"as","start":609.465,"end":609.705,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.43184393644332886},{"word":"much","start":609.705,"end":609.865,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.42741018533706665},{"word":"as","start":609.865,"end":610.025,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.402152955532074},{"word":"possible","start":610.025,"end":610.505,"confidence":0.9707031,"punctuated_word":"possible,","sentiment":"positive","sentiment_score":0.4148430824279785},{"word":"which","start":610.505,"end":610.745,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4929307997226715},{"word":"was","start":610.745,"end":610.905,"confidence":0.98828125,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.5605140328407288},{"word":"a","start":610.905,"end":611.065,"confidence":0.99316406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5151669979095459},{"word":"benefit","start":611.065,"end":611.465,"confidence":1.0,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.5264793038368225},{"word":"and","start":611.465,"end":611.625,"confidence":0.91503906,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5954814553260803},{"word":"a","start":611.625,"end":611.705,"confidence":0.9892578,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5948915481567383},{"word":"positive","start":611.705,"end":612.205,"confidence":1.0,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.6037223935127258},{"word":"for","start":612.345,"end":612.505,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5622473359107971},{"word":"you","start":612.505,"end":612.985,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.38278764486312866},{"word":"alright","start":612.985,"end":613.485,"confidence":0.96191406,"punctuated_word":"Alright?","sentiment":"neutral","sentiment_score":0.0862688347697258},{"word":"in","start":614.77,"end":615.01,"confidence":0.7578125,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.10633880645036696},{"word":"to","start":615.25,"end":615.57,"confidence":0.82470703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08676907420158386},{"word":"sort","start":615.57,"end":615.73004,"confidence":0.94384766,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1257190853357315},{"word":"of","start":615.73004,"end":615.81006,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10466092824935912},{"word":"in","start":615.89,"end":616.13,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0957903042435646},{"word":"a","start":616.13,"end":616.37,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07357802987098694},{"word":"nutshell","start":616.37,"end":616.77,"confidence":0.8654785,"punctuated_word":"nutshell,","sentiment":"neutral","sentiment_score":0.07218381762504578},{"word":"and","start":616.77,"end":616.93,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05185948684811592},{"word":"i'm","start":616.93,"end":617.09,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.00043697780347429216},{"word":"so","start":617.09,"end":617.33,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0018987953662872312},{"word":"sorry","start":617.33,"end":617.73004,"confidence":0.88916016,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.01090298779308796},{"word":"to","start":617.73004,"end":617.89,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0002623721957206726},{"word":"run","start":617.89,"end":618.05,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.015947062522172928},{"word":"you","start":618.05,"end":618.29004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0006560236215591431},{"word":"through","start":618.29004,"end":618.53,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.007666349411010742},{"word":"just","start":618.53,"end":618.77,"confidence":0.97998047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04373263195157051},{"word":"a","start":618.77,"end":618.93,"confidence":0.86035156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03379427641630173},{"word":"basic","start":618.93,"end":619.43,"confidence":1.0,"punctuated_word":"basic","sentiment":"neutral","sentiment_score":0.04228512942790985},{"word":"run","start":619.57,"end":619.81,"confidence":0.6464844,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.047802381217479706},{"word":"through","start":619.81,"end":620.05,"confidence":0.9873047,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.027530275285243988},{"word":"of","start":620.05,"end":620.21,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04243993014097214},{"word":"what","start":620.21,"end":620.45,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04877019301056862},{"word":"we're","start":620.45,"end":620.61,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.026279203593730927},{"word":"gonna","start":620.61,"end":620.93,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.03515759855508804},{"word":"replace","start":620.93,"end":621.43,"confidence":0.7780762,"punctuated_word":"replace,","sentiment":"neutral","sentiment_score":0.01181180775165558},{"word":"essentially","start":622.13,"end":622.61,"confidence":0.9355469,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.03414265066385269},{"word":"we're","start":622.61,"end":622.85004,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.032170768827199936},{"word":"not","start":622.85004,"end":623.09,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.032341014593839645},{"word":"changing","start":623.09,"end":623.49,"confidence":1.0,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":-0.0001498088240623474},{"word":"the","start":623.49,"end":623.65,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0026252269744873047},{"word":"investments","start":623.65,"end":624.05,"confidence":0.97998047,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.024513117969036102},{"word":"within","start":624.05,"end":624.45,"confidence":0.7084961,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.02307286113500595},{"word":"nmlc","start":624.45,"end":624.95,"confidence":0.79589844,"punctuated_word":"NMLC.","sentiment":"neutral","sentiment_score":0.03694162145256996},{"word":"the","start":625.09,"end":625.25,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1871783882379532},{"word":"growth","start":625.25,"end":625.57,"confidence":0.9633789,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.3046226501464844},{"word":"portfolio","start":625.57,"end":626.05,"confidence":0.9980469,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1466456651687622},{"word":"within","start":626.05,"end":626.37,"confidence":0.99902344,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.2665465176105499},{"word":"that","start":626.37,"end":626.61,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2708889842033386},{"word":"is","start":626.61,"end":626.77,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.28982457518577576},{"word":"absolutely","start":626.77,"end":627.25,"confidence":0.9970703,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.30619528889656067},{"word":"fine","start":627.25,"end":627.41003,"confidence":0.9970703,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.23331478238105777},{"word":"we're","start":627.41003,"end":627.65,"confidence":0.9995117,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.17626844346523285},{"word":"only","start":627.65,"end":627.97003,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.16151118278503418},{"word":"retaining","start":627.97003,"end":628.45,"confidence":0.99902344,"punctuated_word":"retaining","sentiment":"neutral","sentiment_score":0.20195895433425903},{"word":"10,000","start":628.45,"end":629.17004,"confidence":0.9980469,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":0.23180913925170896},{"word":"in","start":629.17004,"end":629.33,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21871133148670197},{"word":"there","start":629.33,"end":629.49,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.20615622401237488},{"word":"as","start":629.49,"end":629.835,"confidence":0.9863281,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.260134756565094},{"word":"well","start":629.91504,"end":630.23505,"confidence":0.9980469,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.26180320978164673},{"word":"and","start":630.23505,"end":630.315,"confidence":0.9560547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2389431893825531},{"word":"keeping","start":630.315,"end":630.715,"confidence":0.99902344,"punctuated_word":"keeping","sentiment":"positive","sentiment_score":0.3411267399787903},{"word":"your","start":630.715,"end":631.03503,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2905028760433197},{"word":"contributions","start":631.03503,"end":631.53503,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.27804768085479736},{"word":"going","start":631.67505,"end":631.91504,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.34450191259384155},{"word":"in","start":631.91504,"end":632.155,"confidence":0.9267578,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.1846741884946823},{"word":"so","start":632.155,"end":632.23505,"confidence":0.89990234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12257613241672516},{"word":"there's","start":632.23505,"end":632.47504,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.09013444185256958},{"word":"no","start":632.47504,"end":632.79504,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.07144519686698914},{"word":"change","start":632.79504,"end":633.03503,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.030896738171577457},{"word":"there","start":633.03503,"end":633.275,"confidence":0.99365234,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.057380326092243195},{"word":"we're","start":633.275,"end":633.435,"confidence":0.9995117,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.11265860497951508},{"word":"just","start":633.435,"end":633.67505,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13008515536785126},{"word":"gonna","start":633.67505,"end":633.91504,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1148284524679184},{"word":"roll","start":633.91504,"end":634.23505,"confidence":0.99316406,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.1574801504611969},{"word":"2300138","start":634.23505,"end":636.155,"confidence":0.99934894,"punctuated_word":"2300138","sentiment":"neutral","sentiment_score":0.14641955494880676},{"word":"over","start":636.155,"end":636.395,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1349775195121765},{"word":"in","start":636.395,"end":636.555,"confidence":0.6328125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1441255360841751},{"word":"the","start":636.555,"end":636.715,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11862337589263916},{"word":"hub","start":636.715,"end":636.955,"confidence":0.89990234,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.1107681170105934},{"word":"twenty","start":636.955,"end":637.275,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.11788230389356612},{"word":"four","start":637.275,"end":637.775,"confidence":1.0,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.10667472332715988},{"word":"within","start":638.155,"end":638.655,"confidence":1.0,"punctuated_word":"Within","sentiment":"neutral","sentiment_score":0.10833101719617844},{"word":"hub","start":638.79504,"end":639.11505,"confidence":0.9633789,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.1088591367006302},{"word":"twenty","start":639.11505,"end":639.435,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.1300172656774521},{"word":"four","start":639.435,"end":639.67505,"confidence":0.99853516,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.11953555047512054},{"word":"we're","start":639.67505,"end":639.995,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.163274884223938},{"word":"going","start":639.995,"end":640.315,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.21212048828601837},{"word":"to","start":640.315,"end":640.815,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17870940268039703},{"word":"increase","start":641.275,"end":641.755,"confidence":0.7001953,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.1821276694536209},{"word":"your","start":641.755,"end":641.91504,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15192535519599917},{"word":"exposure","start":641.91504,"end":642.41504,"confidence":1.0,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.14582878351211548},{"word":"into","start":642.47504,"end":642.79504,"confidence":0.9892578,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1108715683221817},{"word":"gold","start":642.79504,"end":643.11505,"confidence":0.9970703,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.18330691754817963},{"word":"from","start":643.11505,"end":643.35504,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2179351896047592},{"word":"five","start":643.35504,"end":643.59503,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.2233663946390152},{"word":"to","start":643.59503,"end":643.755,"confidence":0.9589844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15430770814418793},{"word":"8%","start":643.755,"end":644.495,"confidence":0.99975586,"punctuated_word":"8%.","sentiment":"neutral","sentiment_score":0.04944228380918503},{"word":"we're","start":644.64,"end":644.88,"confidence":1.0,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.11904209852218628},{"word":"gonna","start":644.88,"end":645.12,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.16079162061214447},{"word":"remove","start":645.12,"end":645.62,"confidence":0.99902344,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.15137998759746552},{"word":"the","start":645.76,"end":645.92004,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16173340380191803},{"word":"physical","start":645.92004,"end":646.42004,"confidence":0.99609375,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":-0.22107669711112976},{"word":"silver","start":646.48004,"end":646.8,"confidence":0.99902344,"punctuated_word":"silver","sentiment":"neutral","sentiment_score":-0.14836061000823977},{"word":"completely","start":646.8,"end":647.3,"confidence":0.99902344,"punctuated_word":"completely.","sentiment":"neutral","sentiment_score":-0.148587167263031},{"word":"this","start":647.36,"end":647.60004,"confidence":1.0,"punctuated_word":"This","sentiment":"negative","sentiment_score":-0.4310990571975708},{"word":"investment","start":647.60004,"end":648.0,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"negative","sentiment_score":-0.4390912652015686},{"word":"is","start":648.0,"end":648.16003,"confidence":1.0,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.46633148193359375},{"word":"a","start":648.16003,"end":648.24,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4639683663845062},{"word":"bit","start":648.24,"end":648.48004,"confidence":1.0,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.43533554673194885},{"word":"underperforming","start":648.48004,"end":648.98004,"confidence":0.9897461,"punctuated_word":"underperforming.","sentiment":"negative","sentiment_score":-0.5357417464256287},{"word":"it","start":649.28,"end":649.52,"confidence":0.99902344,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.441203773021698},{"word":"has","start":649.52,"end":649.76,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.2957342267036438},{"word":"been","start":649.76,"end":650.0,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.15479926764965057},{"word":"good","start":650.0,"end":650.24,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.11483770608901978},{"word":"in","start":650.24,"end":650.4,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1494119018316269},{"word":"the","start":650.4,"end":650.48004,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09530124068260191},{"word":"past","start":650.48004,"end":650.72003,"confidence":0.9707031,"punctuated_word":"past,","sentiment":"neutral","sentiment_score":-0.05723091214895248},{"word":"but","start":650.72003,"end":651.04004,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.09241241961717606},{"word":"right","start":651.04004,"end":651.2,"confidence":0.9116211,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.2403261810541153},{"word":"now","start":651.2,"end":651.44,"confidence":0.8054199,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.30231189727783203},{"word":"it's","start":651.44,"end":651.60004,"confidence":1.0,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.39588308334350586},{"word":"worth","start":651.60004,"end":651.92004,"confidence":0.984375,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.32087910175323486},{"word":"removing","start":651.92004,"end":652.32,"confidence":0.9892578,"punctuated_word":"removing","sentiment":"negative","sentiment_score":-0.34429940581321716},{"word":"from","start":652.32,"end":652.56,"confidence":0.9980469,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.4347718358039856},{"word":"the","start":652.56,"end":652.64,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4927065372467041},{"word":"portfolio","start":652.64,"end":653.14,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"negative","sentiment_score":-0.403123140335083},{"word":"completely","start":653.44,"end":653.94,"confidence":0.99902344,"punctuated_word":"completely.","sentiment":"neutral","sentiment_score":-0.2669256329536438},{"word":"we've","start":655.28,"end":655.60004,"confidence":0.9057617,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.09715220332145692},{"word":"also","start":655.60004,"end":655.84,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.05354955792427063},{"word":"got","start":655.84,"end":656.0,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.00400640070438385},{"word":"the","start":656.0,"end":656.16003,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004702240228652954},{"word":"ben","start":656.16003,"end":656.32,"confidence":0.80078125,"punctuated_word":"Ben","sentiment":"neutral","sentiment_score":0.0016077160835266111},{"word":"along","start":656.32,"end":656.64,"confidence":0.46557617,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.006087113171815872},{"word":"australian","start":656.64,"end":657.12,"confidence":0.99609375,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.07174341380596161},{"word":"equities","start":657.12,"end":657.52,"confidence":0.7722168,"punctuated_word":"Equities","sentiment":"neutral","sentiment_score":0.017882416024804115},{"word":"in","start":657.52,"end":657.68,"confidence":0.9223633,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01745302975177765},{"word":"there","start":657.68,"end":657.84,"confidence":0.9157715,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.020015424117445942},{"word":"that","start":657.84,"end":658.0,"confidence":0.9970703,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.10006950795650482},{"word":"now","start":658.0,"end":658.16003,"confidence":0.9902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.18388588726520536},{"word":"is","start":658.16003,"end":658.32,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.23976486921310425},{"word":"underperforming","start":658.32,"end":658.82,"confidence":0.9926758,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.186846062541008},{"word":"as","start":659.12,"end":659.28,"confidence":0.9536133,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.014372482895851135},{"word":"well","start":659.28,"end":659.29333,"confidence":0.9748535,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.08322660624980927},{"word":"they've","start":659.29333,"end":659.3067,"confidence":0.9707031,"punctuated_word":"They've","sentiment":"neutral","sentiment_score":-0.2327672690153122},{"word":"had","start":659.3067,"end":659.32,"confidence":0.95166016,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.18700549006462097},{"word":"some","start":659.32,"end":659.3333,"confidence":0.91748047,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.22794820368289948},{"word":"underlying","start":659.3333,"end":659.3467,"confidence":0.64746094,"punctuated_word":"underlying","sentiment":"neutral","sentiment_score":-0.19482138752937317},{"word":"issues","start":659.3467,"end":659.36,"confidence":0.8444824,"punctuated_word":"issues,","sentiment":"neutral","sentiment_score":-0.22376719117164612},{"word":"and","start":659.36,"end":659.68,"confidence":0.77685547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1515246033668518},{"word":"i","start":659.68,"end":660.18,"confidence":0.61328125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18325433135032657},{"word":"longer","start":662.965,"end":663.445,"confidence":0.5493164,"punctuated_word":"longer.","sentiment":"neutral","sentiment_score":-0.1332927942276001},{"word":"so","start":663.445,"end":663.525,"confidence":0.83984375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0691836029291153},{"word":"i'm","start":663.525,"end":663.68506,"confidence":0.935791,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.11284348368644714},{"word":"removing","start":663.68506,"end":664.085,"confidence":0.8613281,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.13025465607643127},{"word":"that","start":664.085,"end":664.405,"confidence":0.9350586,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2441171556711197},{"word":"wholly","start":664.405,"end":664.565,"confidence":0.9589844,"punctuated_word":"wholly","sentiment":"neutral","sentiment_score":-0.10798990726470949},{"word":"from","start":664.565,"end":664.72504,"confidence":0.87597656,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.19608445465564728},{"word":"the","start":664.72504,"end":664.885,"confidence":0.92089844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10412514954805374},{"word":"portfolio","start":664.885,"end":665.385,"confidence":0.65625,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.1913773417472839},{"word":"as","start":665.525,"end":665.60504,"confidence":0.8774414,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.029625259339809418},{"word":"well","start":665.60504,"end":666.10504,"confidence":0.9440918,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.0154193677008152},{"word":"and","start":667.445,"end":667.525,"confidence":0.5883789,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11490143835544586},{"word":"then","start":667.525,"end":667.68506,"confidence":0.86279297,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06857499480247498},{"word":"you've","start":667.68506,"end":667.84503,"confidence":0.9238281,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.12437021732330322},{"word":"got","start":667.84503,"end":668.005,"confidence":0.97509766,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11932821571826936},{"word":"the","start":668.005,"end":668.16504,"confidence":0.9350586,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08950933814048767},{"word":"vanguard","start":668.16504,"end":668.66504,"confidence":0.92822266,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.07907247543334961},{"word":"diversified","start":669.205,"end":669.705,"confidence":0.60601807,"punctuated_word":"diversified","sentiment":"neutral","sentiment_score":0.09910224378108978},{"word":"index","start":669.765,"end":670.16504,"confidence":0.9941406,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.11379867792129517},{"word":"in","start":670.16504,"end":670.405,"confidence":0.98095703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08695421367883682},{"word":"there","start":670.405,"end":670.48505,"confidence":0.90283203,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10218147188425064},{"word":"as","start":670.48505,"end":670.645,"confidence":0.9003906,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12349334359169006},{"word":"well","start":670.645,"end":670.965,"confidence":0.93188477,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.11953258514404295},{"word":"that","start":670.965,"end":671.205,"confidence":0.89868164,"punctuated_word":"That,","sentiment":"neutral","sentiment_score":0.07393701374530792},{"word":"again","start":671.205,"end":671.445,"confidence":0.99365234,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.08216534554958344},{"word":"is","start":671.445,"end":671.60504,"confidence":0.7036133,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09765037894248962},{"word":"being","start":671.60504,"end":671.765,"confidence":0.98828125,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.07986941933631897},{"word":"completely","start":671.765,"end":672.265,"confidence":0.99902344,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.13293559849262238},{"word":"removed","start":672.405,"end":672.72504,"confidence":0.8125,"punctuated_word":"removed,","sentiment":"neutral","sentiment_score":0.032902415841817856},{"word":"hasn't","start":672.72504,"end":672.965,"confidence":0.9951172,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":0.09784699976444244},{"word":"been","start":672.965,"end":673.205,"confidence":0.98291016,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.10416020452976228},{"word":"performing","start":673.205,"end":673.705,"confidence":0.97802734,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":0.14932376146316528},{"word":"as","start":673.765,"end":674.005,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1717158854007721},{"word":"well","start":674.005,"end":674.16504,"confidence":0.8925781,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2276494801044464},{"word":"and","start":674.16504,"end":674.405,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24928632378578183},{"word":"we","start":674.405,"end":674.48505,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.30777737498283386},{"word":"have","start":674.48505,"end":674.72504,"confidence":0.99316406,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3448106050491333},{"word":"other","start":674.72504,"end":674.965,"confidence":0.99316406,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2992909848690033},{"word":"ways","start":674.965,"end":675.205,"confidence":0.9902344,"punctuated_word":"ways","sentiment":"positive","sentiment_score":0.33944010734558105},{"word":"to","start":675.205,"end":675.45,"confidence":0.9506836,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34533563256263733},{"word":"provide","start":675.61,"end":675.93,"confidence":1.0,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.3383708596229553},{"word":"diversification","start":675.93,"end":676.43,"confidence":1.0,"punctuated_word":"diversification","sentiment":"positive","sentiment_score":0.40232598781585693},{"word":"within","start":677.45,"end":677.69,"confidence":0.85058594,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.3237951099872589},{"word":"your","start":677.69,"end":678.01,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.28787240386009216},{"word":"portfolio","start":678.01,"end":678.51,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1876434087753296},{"word":"that","start":678.73004,"end":679.23004,"confidence":0.96972656,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3618046641349793},{"word":"provide","start":679.53,"end":680.01,"confidence":0.7685547,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.34073731303215027},{"word":"greater","start":680.01,"end":680.41003,"confidence":0.99609375,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.30784744024276733},{"word":"performance","start":680.41003,"end":680.91003,"confidence":0.9675293,"punctuated_word":"performance,","sentiment":"positive","sentiment_score":0.383201539516449},{"word":"which","start":680.97003,"end":681.13,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.49891918897628784},{"word":"is","start":681.13,"end":681.29004,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4611335098743438},{"word":"good","start":681.29004,"end":681.79004,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.35940834879875183},{"word":"you've","start":683.29004,"end":683.45,"confidence":0.98706055,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.3043519854545593},{"word":"got","start":683.45,"end":683.77,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.3229120075702667},{"word":"the","start":683.77,"end":684.17,"confidence":0.9223633,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.324140340089798},{"word":"cybersecurity","start":684.17,"end":684.67,"confidence":0.91503906,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":0.2331005483865738},{"word":"globe","start":685.13,"end":685.33,"confidence":0.75341797,"punctuated_word":"globe","sentiment":"neutral","sentiment_score":0.18320021033287048},{"word":"so","start":685.53,"end":685.77,"confidence":0.5336914,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15676464140415192},{"word":"global","start":685.77,"end":686.17,"confidence":0.75097656,"punctuated_word":"global","sentiment":"neutral","sentiment_score":0.16916844248771667},{"word":"cybersecurity","start":686.17,"end":686.67,"confidence":0.96972656,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":0.1551261842250824},{"word":"in","start":686.89,"end":687.05,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1761845052242279},{"word":"your","start":687.05,"end":687.29004,"confidence":0.76953125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.185890793800354},{"word":"portfolio","start":687.29004,"end":687.79004,"confidence":0.9667969,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.14116010069847107},{"word":"you","start":687.85004,"end":688.01,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07999682426452637},{"word":"currently","start":688.01,"end":688.41003,"confidence":0.98828125,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.03880888223648071},{"word":"have","start":688.41003,"end":688.57,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06598325818777084},{"word":"6%","start":688.57,"end":689.245,"confidence":0.98291016,"punctuated_word":"6%.","sentiment":"neutral","sentiment_score":0.09278270602226256},{"word":"we","start":689.245,"end":689.32495,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.09255336225032806},{"word":"wanna","start":689.32495,"end":689.725,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13238069415092468},{"word":"reweight","start":689.725,"end":690.20496,"confidence":0.93408203,"punctuated_word":"reweight","sentiment":"neutral","sentiment_score":0.10311217606067656},{"word":"that","start":690.20496,"end":690.365,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09272684156894684},{"word":"to","start":690.365,"end":690.605,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08578118681907654},{"word":"five","start":690.605,"end":691.08496,"confidence":0.99658203,"punctuated_word":"five.","sentiment":"neutral","sentiment_score":0.08295879513025284},{"word":"you're","start":691.08496,"end":691.40497,"confidence":0.84350586,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.04679858312010765},{"word":"a","start":691.40497,"end":691.485,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0502760224044323},{"word":"little","start":691.485,"end":691.64496,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.08636444807052612},{"word":"bit","start":691.64496,"end":691.88495,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.11208488047122955},{"word":"overexposed","start":691.88495,"end":692.38495,"confidence":0.94938153,"punctuated_word":"overexposed","sentiment":"neutral","sentiment_score":-0.1072780415415764},{"word":"at","start":692.52496,"end":692.605,"confidence":0.6948242,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.120807982981205},{"word":"the","start":692.605,"end":692.685,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04843739420175552},{"word":"moment","start":692.685,"end":693.00494,"confidence":0.8630371,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.012698892503976822},{"word":"so","start":693.00494,"end":693.245,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02198963612318039},{"word":"rebalancing","start":693.245,"end":693.745,"confidence":0.99576825,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.10215021669864656},{"word":"this","start":693.96497,"end":694.20496,"confidence":0.97314453,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.09292268753051758},{"word":"back","start":694.20496,"end":694.365,"confidence":0.9589844,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1182391196489334},{"word":"a","start":694.365,"end":694.44495,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13581441342830658},{"word":"little","start":694.44495,"end":694.685,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.12246280163526536},{"word":"bit","start":694.685,"end":694.925,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1326078176498413},{"word":"is","start":694.925,"end":695.08496,"confidence":0.9199219,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12888744473457336},{"word":"just","start":695.08496,"end":695.245,"confidence":0.94140625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1563977301120758},{"word":"as","start":695.245,"end":695.32495,"confidence":0.9589844,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18854790925979617},{"word":"important","start":695.32495,"end":695.82495,"confidence":1.0,"punctuated_word":"important.","sentiment":"neutral","sentiment_score":0.07837332785129547},{"word":"we've","start":697.32495,"end":697.64496,"confidence":0.9916992,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.017018193379044533},{"word":"also","start":697.64496,"end":697.96497,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.006121974438428879},{"word":"got","start":697.96497,"end":698.125,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.003894634544849396},{"word":"the","start":698.125,"end":698.365,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02573193609714508},{"word":"battery","start":698.365,"end":698.685,"confidence":0.98535156,"punctuated_word":"battery","sentiment":"neutral","sentiment_score":0.00336533784866333},{"word":"and","start":698.685,"end":698.845,"confidence":0.9428711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.044497374445199966},{"word":"lithium","start":698.845,"end":699.245,"confidence":0.9941406,"punctuated_word":"lithium","sentiment":"neutral","sentiment_score":0.04324151575565338},{"word":"tech","start":699.245,"end":699.56494,"confidence":0.92041016,"punctuated_word":"tech.","sentiment":"neutral","sentiment_score":0.010784711688756944},{"word":"that","start":699.56494,"end":699.805,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.050268154591321945},{"word":"is","start":699.805,"end":699.96497,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.055878087878227234},{"word":"being","start":699.96497,"end":700.125,"confidence":0.9951172,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.031501058489084244},{"word":"removed","start":700.125,"end":700.52496,"confidence":1.0,"punctuated_word":"removed","sentiment":"neutral","sentiment_score":-0.03810139745473862},{"word":"completely","start":700.52496,"end":700.925,"confidence":0.99609375,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.03308728337287903},{"word":"from","start":700.925,"end":701.08496,"confidence":0.9921875,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.06225082650780678},{"word":"the","start":701.08496,"end":701.34,"confidence":0.9111328,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.028338994830846783},{"word":"portfolio","start":701.5,"end":701.98004,"confidence":0.9970703,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.049067988991737366},{"word":"as","start":701.98004,"end":702.30005,"confidence":0.8256836,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.006373509764671326},{"word":"is","start":702.30005,"end":702.46,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.006200253963470459},{"word":"the","start":702.46,"end":702.62006,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01635151356458664},{"word":"morningstar","start":702.62006,"end":703.12006,"confidence":0.80126953,"punctuated_word":"MorningStar","sentiment":"neutral","sentiment_score":0.03102857992053032},{"word":"global","start":703.26,"end":703.66003,"confidence":0.8339844,"punctuated_word":"Global","sentiment":"neutral","sentiment_score":0.05500354617834091},{"word":"tech","start":703.66003,"end":703.98004,"confidence":0.7089844,"punctuated_word":"tech.","sentiment":"neutral","sentiment_score":0.046913906931877136},{"word":"essentially","start":703.98004,"end":704.30005,"confidence":0.9970703,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.011169446632266045},{"word":"you'll","start":704.30005,"end":704.54004,"confidence":0.9753418,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.06792452931404114},{"word":"still","start":704.54004,"end":704.86005,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.08298859000205994},{"word":"have","start":704.86005,"end":705.10004,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06910453736782074},{"word":"access","start":705.10004,"end":705.5,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.07038183510303497},{"word":"to","start":705.5,"end":705.66003,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08370065689086914},{"word":"tech","start":705.66003,"end":705.98004,"confidence":0.98828125,"punctuated_word":"tech","sentiment":"neutral","sentiment_score":0.07458415627479553},{"word":"stocks","start":705.98004,"end":706.46,"confidence":0.9746094,"punctuated_word":"stocks,","sentiment":"neutral","sentiment_score":0.07139220833778381},{"word":"but","start":706.46,"end":706.7,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06683103740215302},{"word":"we","start":706.7,"end":706.86005,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04224858433008194},{"word":"found","start":706.86005,"end":707.10004,"confidence":0.7890625,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.0737379714846611},{"word":"a","start":707.10004,"end":707.26,"confidence":0.97265625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06805013120174408},{"word":"cheaper","start":707.26,"end":707.5,"confidence":0.99902344,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.12202440947294237},{"word":"way","start":707.5,"end":707.74005,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.051973454654216766},{"word":"to","start":707.74005,"end":707.9,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06685550510883331},{"word":"do","start":707.9,"end":708.06,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07065756618976593},{"word":"that","start":708.06,"end":708.22003,"confidence":0.9020996,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1105378121137619},{"word":"which","start":708.22003,"end":708.46,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.10137934982776642},{"word":"has","start":708.46,"end":708.62006,"confidence":0.9741211,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.07185745239257812},{"word":"got","start":708.62006,"end":708.78,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07412262260913849},{"word":"greater","start":708.78,"end":709.18005,"confidence":0.9921875,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.06811145693063736},{"word":"past","start":709.18005,"end":709.42004,"confidence":0.98291016,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.11044441163539886},{"word":"performance","start":709.42004,"end":709.9,"confidence":0.9477539,"punctuated_word":"performance.","sentiment":"neutral","sentiment_score":0.06352153420448303},{"word":"and","start":709.9,"end":710.14,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03368926793336868},{"word":"one","start":710.14,"end":710.22003,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.02075818181037903},{"word":"of","start":710.22003,"end":710.38,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.037510715425014496},{"word":"the","start":710.38,"end":710.46,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04138991981744766},{"word":"things","start":710.46,"end":710.7,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07749388366937637},{"word":"i","start":710.7,"end":710.86005,"confidence":0.97314453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03931257128715515},{"word":"wanted","start":710.86005,"end":711.18005,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.04813132435083389},{"word":"to","start":711.18005,"end":711.34,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06518371403217316},{"word":"look","start":711.34,"end":711.5,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.058724258095026016},{"word":"at","start":711.5,"end":711.66003,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0749906674027443},{"word":"because","start":711.74005,"end":712.22003,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.061489805579185486},{"word":"as","start":712.22003,"end":712.46,"confidence":0.984375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07947021722793579},{"word":"you","start":712.46,"end":712.62006,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07016479223966599},{"word":"get","start":712.62006,"end":712.78,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0662226527929306},{"word":"older","start":712.78,"end":713.10004,"confidence":0.99560547,"punctuated_word":"older,","sentiment":"neutral","sentiment_score":0.07622667402029037},{"word":"you","start":713.10004,"end":713.26,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06919097155332565},{"word":"wanna","start":713.26,"end":713.5,"confidence":0.99902344,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.10921499878168106},{"word":"make","start":713.5,"end":713.66003,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06998160481452942},{"word":"sure","start":713.66003,"end":713.82,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.06993699073791504},{"word":"your","start":713.82,"end":714.06,"confidence":0.98291016,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07724077999591827},{"word":"super","start":714.06,"end":714.30005,"confidence":0.8964844,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16405165195465088},{"word":"balance","start":714.30005,"end":714.7,"confidence":0.9760742,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.11270304024219512},{"word":"is","start":714.7,"end":714.86005,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11089729517698288},{"word":"growing","start":714.86005,"end":715.36005,"confidence":0.89501953,"punctuated_word":"growing.","sentiment":"neutral","sentiment_score":0.11841686069965364},{"word":"we","start":715.785,"end":715.945,"confidence":0.9941406,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.06519965827465057},{"word":"wanted","start":715.945,"end":716.26495,"confidence":0.9560547,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.06490904092788696},{"word":"to","start":716.26495,"end":716.425,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04684843122959137},{"word":"sort","start":716.425,"end":716.58496,"confidence":0.95410156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10797568410634996},{"word":"of","start":716.58496,"end":716.745,"confidence":0.5732422,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08052799105644226},{"word":"limit","start":716.745,"end":717.065,"confidence":1.0,"punctuated_word":"limit","sentiment":"neutral","sentiment_score":0.07662128657102585},{"word":"the","start":717.065,"end":717.14496,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07622706145048141},{"word":"fees","start":717.14496,"end":717.46497,"confidence":0.97509766,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.02551226317882538},{"word":"where","start":717.46497,"end":717.70496,"confidence":0.94189453,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.04520764946937561},{"word":"possible","start":717.70496,"end":718.105,"confidence":0.99902344,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.09651252627372742},{"word":"whilst","start":718.105,"end":718.425,"confidence":0.92822266,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":0.09730444848537444},{"word":"giving","start":718.425,"end":718.665,"confidence":0.99902344,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.06356864422559738},{"word":"you","start":718.665,"end":718.90497,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07663244009017944},{"word":"still","start":718.90497,"end":719.14496,"confidence":0.9472656,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1228991374373436},{"word":"exposure","start":719.14496,"end":719.625,"confidence":0.99121094,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.0426829531788826},{"word":"to","start":719.625,"end":719.785,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08819937705993652},{"word":"areas","start":719.785,"end":720.185,"confidence":1.0,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.0766216367483139},{"word":"of","start":720.185,"end":720.425,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.052545711398124695},{"word":"growth","start":720.425,"end":720.825,"confidence":0.9094238,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.03072388097643852},{"word":"so","start":720.825,"end":721.325,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.017003126442432404},{"word":"i'm","start":721.385,"end":721.545,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.023718781769275665},{"word":"gonna","start":721.545,"end":721.785,"confidence":1.0,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.013877570629119871},{"word":"remove","start":721.785,"end":722.185,"confidence":1.0,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.027522049844264984},{"word":"those","start":722.185,"end":722.505,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.20859040319919583},{"word":"completely","start":722.505,"end":722.985,"confidence":0.9873047,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.07146410644054413},{"word":"from","start":722.985,"end":723.14496,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.12199932336807252},{"word":"the","start":723.14496,"end":723.305,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04188130795955658},{"word":"portfolio","start":723.305,"end":723.805,"confidence":1.0,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.04929965361952782},{"word":"i'm","start":725.065,"end":725.305,"confidence":0.9655762,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06648257374763489},{"word":"also","start":725.305,"end":725.625,"confidence":0.9951172,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07824397832155228},{"word":"gonna","start":725.625,"end":726.02496,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.08986920118331909},{"word":"remove","start":726.02496,"end":726.505,"confidence":1.0,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":0.030591044574975967},{"word":"the","start":726.505,"end":726.745,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009959787130355837},{"word":"ishares","start":726.745,"end":727.245,"confidence":0.97094727,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":0.000187871977686882},{"word":"europe","start":727.8,"end":728.2,"confidence":0.9970703,"punctuated_word":"Europe","sentiment":"neutral","sentiment_score":-0.023936308920383453},{"word":"out","start":728.2,"end":728.44,"confidence":0.9892578,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.014723218977451324},{"word":"of","start":728.44,"end":728.6,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.008217386901378632},{"word":"the","start":728.6,"end":728.76,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03585897013545036},{"word":"portfolio","start":728.76,"end":729.26,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.010055683553218842},{"word":"as","start":729.32,"end":729.48,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09249205887317656},{"word":"well","start":729.48,"end":729.64,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.05688322335481644},{"word":"we're","start":729.64,"end":729.88,"confidence":0.99902344,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.05745274946093559},{"word":"still","start":729.88,"end":730.12,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07580141723155975},{"word":"gonna","start":730.12,"end":730.36,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.07306702435016632},{"word":"have","start":730.36,"end":730.6,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05980062484741211},{"word":"european","start":730.6,"end":731.1,"confidence":0.9921875,"punctuated_word":"European","sentiment":"neutral","sentiment_score":0.04732844978570938},{"word":"exposure","start":731.24,"end":731.72,"confidence":0.8955078,"punctuated_word":"exposure,","sentiment":"neutral","sentiment_score":0.05175376683473587},{"word":"but","start":731.72,"end":731.88,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07072162628173828},{"word":"just","start":731.88,"end":732.04,"confidence":0.9560547,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07679542899131775},{"word":"moving","start":732.04,"end":732.36,"confidence":0.9902344,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.08170601725578308},{"word":"that","start":732.36,"end":732.68,"confidence":0.94970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08328090608119965},{"word":"investment","start":732.68,"end":733.16,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.046230748295784},{"word":"and","start":733.16,"end":733.4,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06142154335975647},{"word":"investing","start":733.4,"end":733.88,"confidence":0.99902344,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.08070890605449677},{"word":"in","start":733.88,"end":734.04,"confidence":0.9790039,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07982022315263748},{"word":"europe","start":734.04,"end":734.27997,"confidence":0.98291016,"punctuated_word":"Europe","sentiment":"neutral","sentiment_score":0.10893315076828004},{"word":"and","start":734.27997,"end":734.44,"confidence":0.85546875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12997137010097504},{"word":"other","start":734.44,"end":734.84,"confidence":0.9873047,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.12794625759124756},{"word":"areas","start":734.84,"end":735.24,"confidence":0.9838867,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.12103404104709624},{"word":"for","start":735.24,"end":735.4,"confidence":0.96533203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10886380076408386},{"word":"you","start":735.4,"end":735.9,"confidence":0.9550781,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.07759298384189606},{"word":"the","start":737.72,"end":737.96,"confidence":0.86621094,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04826680198311806},{"word":"s","start":737.96,"end":738.12,"confidence":0.7685547,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.07187607884407043},{"word":"and","start":738.12,"end":738.27997,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.056824903935194016},{"word":"p","start":738.27997,"end":738.44,"confidence":0.98095703,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.07163483649492264},{"word":"500","start":738.44,"end":739.0,"confidence":0.9921875,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.10028344392776488},{"word":"is","start":739.0,"end":739.16,"confidence":0.7416992,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06045278534293175},{"word":"the","start":739.16,"end":739.32,"confidence":0.8935547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.059674445539712906},{"word":"top","start":739.32,"end":739.56,"confidence":0.9838867,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.06469259411096573},{"word":"500","start":739.56,"end":740.22,"confidence":0.9682617,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.08008581399917603},{"word":"companies","start":740.315,"end":740.475,"confidence":0.9526367,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.053627826273441315},{"word":"in","start":740.475,"end":740.635,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07755216956138611},{"word":"the","start":740.635,"end":740.71497,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.058762840926647186},{"word":"us","start":740.71497,"end":741.195,"confidence":0.99609375,"punctuated_word":"US.","sentiment":"neutral","sentiment_score":0.07761293649673462},{"word":"we","start":741.195,"end":741.435,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.07337500154972076},{"word":"are","start":741.435,"end":741.595,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10351672768592834},{"word":"keeping","start":741.595,"end":741.915,"confidence":1.0,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.10874608904123306},{"word":"that","start":741.915,"end":742.075,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09297113120555878},{"word":"in","start":742.075,"end":742.235,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08979563415050507},{"word":"the","start":742.235,"end":742.475,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10597380995750429},{"word":"portfolio","start":742.475,"end":742.975,"confidence":0.9633789,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.07480978965759277},{"word":"but","start":743.115,"end":743.27496,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05758277326822281},{"word":"you've","start":743.27496,"end":743.515,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.0551653616130352},{"word":"got","start":743.515,"end":743.755,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06103842705488205},{"word":"24%","start":743.755,"end":744.635,"confidence":1.0,"punctuated_word":"24%","sentiment":"neutral","sentiment_score":0.04848459362983704},{"word":"there","start":744.635,"end":744.95496,"confidence":0.9741211,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04705797880887985},{"word":"currently","start":744.95496,"end":745.435,"confidence":0.954834,"punctuated_word":"currently.","sentiment":"neutral","sentiment_score":0.051725372672080994},{"word":"so","start":745.435,"end":745.595,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06005837768316269},{"word":"we","start":745.595,"end":745.83496,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06578788161277771},{"word":"only","start":745.83496,"end":746.075,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.06984163075685501},{"word":"wanna","start":746.075,"end":746.39496,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09137368947267532},{"word":"hold","start":746.39496,"end":746.635,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.08932729065418243},{"word":"20%","start":746.635,"end":747.27496,"confidence":1.0,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.11302348226308824},{"word":"of","start":747.27496,"end":747.355,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09832338988780975},{"word":"that","start":747.355,"end":747.595,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09885203093290328},{"word":"investment","start":747.595,"end":748.095,"confidence":0.8046875,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.07806925475597382},{"word":"so","start":748.39496,"end":748.555,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.09125799685716628},{"word":"it","start":748.555,"end":748.71497,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10036221146583556},{"word":"just","start":748.71497,"end":748.95496,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0964616909623146},{"word":"means","start":748.95496,"end":749.195,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.05553855001926422},{"word":"we're","start":749.195,"end":749.355,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.10412661731243134},{"word":"gonna","start":749.355,"end":749.595,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.13242222368717194},{"word":"reweight","start":749.595,"end":749.995,"confidence":0.920166,"punctuated_word":"reweight","sentiment":"neutral","sentiment_score":0.10239708423614502},{"word":"the","start":749.995,"end":750.15497,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08997029811143875},{"word":"portfolio","start":750.15497,"end":750.65497,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.04573255777359009},{"word":"a","start":750.875,"end":750.95496,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11468659341335297},{"word":"little","start":750.95496,"end":751.195,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07567711174488068},{"word":"bit","start":751.195,"end":751.695,"confidence":0.97216797,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.0946185365319252},{"word":"and","start":752.315,"end":752.475,"confidence":0.93603516,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07935507595539093},{"word":"then","start":752.475,"end":752.71497,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08338289707899094},{"word":"you've","start":752.71497,"end":753.035,"confidence":0.99609375,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.0824289545416832},{"word":"also","start":753.035,"end":753.355,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0618186891078949},{"word":"got","start":753.355,"end":753.595,"confidence":0.9951172,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0755341500043869},{"word":"the","start":753.595,"end":753.755,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.059519462287425995},{"word":"ishares","start":753.755,"end":754.255,"confidence":0.9790039,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":0.07237045466899872},{"word":"asia","start":754.315,"end":754.635,"confidence":0.98461914,"punctuated_word":"Asia.","sentiment":"neutral","sentiment_score":0.06110675632953644},{"word":"we're","start":754.635,"end":754.875,"confidence":0.9980469,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.06516139209270477},{"word":"still","start":754.875,"end":755.115,"confidence":0.99609375,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07877545058727264},{"word":"gonna","start":755.115,"end":755.355,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.07477325201034546},{"word":"hold","start":755.355,"end":755.595,"confidence":0.97509766,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.05473405122756958},{"word":"asia","start":755.595,"end":756.095,"confidence":0.9770508,"punctuated_word":"Asia","sentiment":"neutral","sentiment_score":0.05562321096658707},{"word":"exposure","start":756.29004,"end":756.69,"confidence":0.97631836,"punctuated_word":"exposure,","sentiment":"neutral","sentiment_score":0.047317251563072205},{"word":"but","start":756.69,"end":756.77,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0496261864900589},{"word":"we're","start":756.77,"end":756.93,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.03094000928103924},{"word":"gonna","start":756.93,"end":757.25,"confidence":1.0,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.04141031205654144},{"word":"remove","start":757.25,"end":757.65,"confidence":0.9980469,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.005145452916622162},{"word":"that","start":757.65,"end":757.89,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03711249679327011},{"word":"investment","start":757.89,"end":758.29004,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.027211859822273254},{"word":"and","start":758.29004,"end":758.53,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0010849907994270325},{"word":"hold","start":758.53,"end":758.85004,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.038806311786174774},{"word":"it","start":758.85004,"end":758.93,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03234062343835831},{"word":"in","start":758.93,"end":759.09,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04973001778125763},{"word":"another","start":759.09,"end":759.41003,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.05350243300199509},{"word":"way","start":759.41003,"end":759.91003,"confidence":1.0,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.08391638100147247},{"word":"you've","start":760.93,"end":761.25,"confidence":0.9189453,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.06536278873682022},{"word":"also","start":761.25,"end":761.49005,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06411492824554443},{"word":"got","start":761.49005,"end":761.73004,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0807473286986351},{"word":"the","start":761.73004,"end":761.81,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05745616555213928},{"word":"vanguard","start":761.81,"end":762.29004,"confidence":0.9770508,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.035522185266017914},{"word":"australian","start":762.29004,"end":762.77,"confidence":0.9707031,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.060670044273138046},{"word":"fixed","start":762.77,"end":763.01,"confidence":0.9140625,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.02542390488088131},{"word":"interest","start":763.01,"end":763.41003,"confidence":0.97436523,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.04672685265541077},{"word":"we","start":763.41003,"end":763.57,"confidence":0.9970703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.07266764342784882},{"word":"still","start":763.57,"end":763.73004,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.036130715161561966},{"word":"wanna","start":763.73004,"end":764.05005,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.07377604395151138},{"word":"hold","start":764.05005,"end":764.37,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.048459962010383606},{"word":"fixed","start":764.37,"end":764.61005,"confidence":0.99902344,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.018610183149576187},{"word":"interest","start":764.61005,"end":765.11005,"confidence":0.9970703,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.048223018646240234},{"word":"investments","start":765.33,"end":765.83,"confidence":0.92993164,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.04514545202255249},{"word":"but","start":766.29004,"end":766.45,"confidence":0.9892578,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03706831485033035},{"word":"i've","start":766.45,"end":766.69,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.06836037337779999},{"word":"got","start":766.69,"end":766.85004,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08472231775522232},{"word":"another","start":766.85004,"end":767.17004,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.06649435311555862},{"word":"way","start":767.17004,"end":767.33,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.07333092391490936},{"word":"to","start":767.33,"end":767.49005,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0648045465350151},{"word":"do","start":767.49005,"end":767.65,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09725798666477203},{"word":"that","start":767.65,"end":767.81,"confidence":0.814209,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.11106280237436296},{"word":"which","start":767.81,"end":767.97003,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.15133394300937653},{"word":"has","start":767.97003,"end":768.13,"confidence":0.5004883,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.19978010654449463},{"word":"been","start":768.13,"end":768.45,"confidence":0.9790039,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.23518939316272736},{"word":"showing","start":768.45,"end":768.77,"confidence":0.9633789,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.2031350135803223},{"word":"greater","start":768.77,"end":769.27,"confidence":0.9819336,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.16353510320186615},{"word":"performance","start":769.33,"end":769.83,"confidence":0.8718262,"punctuated_word":"performance.","sentiment":"neutral","sentiment_score":0.14367586374282837},{"word":"so","start":770.375,"end":770.45496,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02047700062394142},{"word":"we're","start":770.45496,"end":770.695,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.03834673762321472},{"word":"gonna","start":770.695,"end":770.935,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.01881164126098156},{"word":"remove","start":770.935,"end":771.255,"confidence":0.9980469,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.006586141884326935},{"word":"that","start":771.255,"end":771.495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.057936638593673706},{"word":"investment","start":771.495,"end":771.975,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.09913180768489838},{"word":"wholly","start":771.975,"end":772.45496,"confidence":0.9921875,"punctuated_word":"wholly","sentiment":"neutral","sentiment_score":-0.05784861743450165},{"word":"from","start":772.45496,"end":772.615,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.041189223527908325},{"word":"there","start":772.615,"end":772.855,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.04909111186861992},{"word":"as","start":772.855,"end":772.935,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03250699117779732},{"word":"well","start":772.935,"end":773.435,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.013353709131479263},{"word":"we're","start":774.21497,"end":774.45496,"confidence":0.7336426,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.05416662245988846},{"word":"instead","start":774.535,"end":774.935,"confidence":0.9379883,"punctuated_word":"instead,","sentiment":"neutral","sentiment_score":0.10967710614204408},{"word":"we're","start":774.935,"end":775.175,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.16688773036003113},{"word":"going","start":775.175,"end":775.495,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.1718244105577469},{"word":"to","start":775.495,"end":775.735,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14242832362651825},{"word":"replace","start":775.735,"end":776.235,"confidence":0.9941406,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":0.06894846260547638},{"word":"essentially","start":777.255,"end":777.755,"confidence":0.8388672,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.10295547544956209},{"word":"we're","start":777.815,"end":777.975,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.14705611765384674},{"word":"gonna","start":777.975,"end":778.295,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.16948768496513367},{"word":"buy","start":778.295,"end":778.45496,"confidence":1.0,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.14182458817958832},{"word":"into","start":778.45496,"end":778.77496,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.18305973708629608},{"word":"the","start":778.77496,"end":779.01495,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20107054710388184},{"word":"india","start":779.01495,"end":779.33496,"confidence":0.99121094,"punctuated_word":"India","sentiment":"neutral","sentiment_score":0.12398111075162888},{"word":"quality","start":779.33496,"end":779.815,"confidence":0.95410156,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.10123935341835022},{"word":"etf","start":779.815,"end":780.295,"confidence":0.9902344,"punctuated_word":"ETF","sentiment":"neutral","sentiment_score":0.11785279214382172},{"word":"to","start":780.295,"end":780.45496,"confidence":0.53759766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1605009287595749},{"word":"give","start":780.45496,"end":780.695,"confidence":0.890625,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.18455621600151065},{"word":"you","start":780.695,"end":780.935,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23704950511455536},{"word":"5%","start":780.935,"end":781.495,"confidence":0.9916992,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.28112104535102844},{"word":"exposure","start":781.495,"end":781.975,"confidence":1.0,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.219618558883667},{"word":"into","start":781.975,"end":782.295,"confidence":0.9970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.258597731590271},{"word":"india","start":782.295,"end":782.77496,"confidence":0.9641113,"punctuated_word":"India,","sentiment":"neutral","sentiment_score":0.27734375},{"word":"which","start":782.77496,"end":782.935,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4355531930923462},{"word":"has","start":782.935,"end":783.175,"confidence":0.9980469,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.476181298494339},{"word":"seen","start":783.175,"end":783.495,"confidence":0.8720703,"punctuated_word":"seen","sentiment":"positive","sentiment_score":0.4492742121219635},{"word":"some","start":783.495,"end":783.65497,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.4964750409126282},{"word":"very","start":783.65497,"end":783.89496,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5681179761886597},{"word":"good","start":783.89496,"end":784.055,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6102089881896973},{"word":"growth","start":784.055,"end":784.555,"confidence":0.8742676,"punctuated_word":"growth,","sentiment":"positive","sentiment_score":0.47037357091903687},{"word":"and","start":784.75,"end":784.99005,"confidence":0.98828125,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3411065638065338},{"word":"we","start":784.99005,"end":785.07,"confidence":0.9951172,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4482614398002625},{"word":"do","start":785.07,"end":785.31,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.49332717061042786},{"word":"expect","start":785.31,"end":785.63,"confidence":1.0,"punctuated_word":"expect","sentiment":"positive","sentiment_score":0.4246428310871124},{"word":"that","start":785.63,"end":785.87006,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.43214812874794006},{"word":"moving","start":785.87006,"end":786.19,"confidence":0.99902344,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.4098667800426483},{"word":"forward","start":786.19,"end":786.43005,"confidence":1.0,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.44313833117485046},{"word":"as","start":786.43005,"end":786.59,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3675386309623718},{"word":"well","start":786.59,"end":786.83,"confidence":0.98950195,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.29833006858825684},{"word":"so","start":786.83,"end":786.99005,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1583259254693985},{"word":"we're","start":786.99005,"end":787.15,"confidence":0.96875,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.20274357497692108},{"word":"gonna","start":787.15,"end":787.55005,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2207367867231369},{"word":"increase","start":787.55005,"end":788.03,"confidence":0.99902344,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.2023131400346756},{"word":"or","start":788.03,"end":788.35004,"confidence":0.6479492,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1983797699213028},{"word":"add","start":788.35004,"end":788.83,"confidence":0.99902344,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.16025197505950928},{"word":"some","start":788.83,"end":789.15,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2370181828737259},{"word":"india","start":789.15,"end":789.55005,"confidence":0.9951172,"punctuated_word":"India","sentiment":"neutral","sentiment_score":0.2461780160665512},{"word":"exposure","start":789.55005,"end":789.95,"confidence":0.98828125,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.19643568992614743},{"word":"into","start":789.95,"end":790.19,"confidence":0.8256836,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1937570720911026},{"word":"your","start":790.19,"end":790.43005,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21797968447208405},{"word":"portfolio","start":790.43005,"end":790.93005,"confidence":0.99902344,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.17209666967391968},{"word":"we're","start":791.63,"end":791.87006,"confidence":0.9890137,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.14391331374645233},{"word":"also","start":791.87006,"end":792.19,"confidence":0.99609375,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1104857176542282},{"word":"gonna","start":792.19,"end":792.59,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.17061398923397064},{"word":"add","start":792.59,"end":792.75,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.1372358649969101},{"word":"some","start":792.75,"end":793.25,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.14816443622112274},{"word":"global","start":793.55005,"end":794.05005,"confidence":0.74560547,"punctuated_word":"global","sentiment":"neutral","sentiment_score":0.11731722205877304},{"word":"health","start":794.19,"end":794.51,"confidence":0.90625,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.11585864424705504},{"word":"care","start":794.51,"end":795.01,"confidence":0.9951172,"punctuated_word":"care.","sentiment":"neutral","sentiment_score":0.1149112582206726},{"word":"essentially","start":795.47003,"end":795.97003,"confidence":0.9995117,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.10998743027448654},{"word":"this","start":796.27,"end":796.51,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.13882558047771454},{"word":"is","start":796.51,"end":796.67004,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12135352194309236},{"word":"looking","start":796.67004,"end":797.15,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1460884064435959},{"word":"at","start":797.15,"end":797.65,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1284111738204956},{"word":"global","start":798.11005,"end":798.61005,"confidence":0.98095703,"punctuated_word":"global","sentiment":"neutral","sentiment_score":0.14585979282855988},{"word":"health","start":798.75,"end":798.91003,"confidence":0.99121094,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.13802233338356018},{"word":"care","start":798.91003,"end":799.15,"confidence":0.99560547,"punctuated_word":"care.","sentiment":"neutral","sentiment_score":0.1493012011051178},{"word":"health","start":799.15,"end":799.31,"confidence":0.94970703,"punctuated_word":"Health","sentiment":"neutral","sentiment_score":0.15875215828418732},{"word":"care","start":799.31,"end":799.47003,"confidence":0.99902344,"punctuated_word":"care","sentiment":"neutral","sentiment_score":0.1604081690311432},{"word":"is","start":799.47003,"end":799.63,"confidence":0.58935547,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1931384950876236},{"word":"still","start":799.63,"end":799.79004,"confidence":0.99316406,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.20347289741039276},{"word":"a","start":799.79004,"end":799.95,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2251570224761963},{"word":"very","start":799.95,"end":800.27,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.17880657315254211},{"word":"big","start":800.27,"end":800.565,"confidence":0.9370117,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.19915804266929624},{"word":"space","start":800.645,"end":800.965,"confidence":0.8840332,"punctuated_word":"space,","sentiment":"neutral","sentiment_score":0.1840125322341919},{"word":"especially","start":800.965,"end":801.365,"confidence":1.0,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":0.2236863523721695},{"word":"since","start":801.365,"end":801.685,"confidence":0.96435547,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.24414384365081787},{"word":"covid","start":801.685,"end":802.185,"confidence":0.9532878,"punctuated_word":"COVID,","sentiment":"neutral","sentiment_score":0.16599762439727783},{"word":"and","start":802.325,"end":802.565,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1834030449390411},{"word":"this","start":802.565,"end":802.725,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.25956079363822937},{"word":"is","start":802.725,"end":802.805,"confidence":0.80126953,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2521478533744812},{"word":"giving","start":802.805,"end":803.125,"confidence":0.9970703,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.2499450296163559},{"word":"you","start":803.125,"end":803.285,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1917521208524704},{"word":"exposure","start":803.285,"end":803.765,"confidence":0.9980469,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.1675747036933899},{"word":"globally","start":803.765,"end":804.265,"confidence":0.96875,"punctuated_word":"globally.","sentiment":"neutral","sentiment_score":0.19136935472488403},{"word":"so","start":804.405,"end":804.565,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22169364988803864},{"word":"it","start":804.565,"end":804.725,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.32718053460121155},{"word":"is","start":804.725,"end":805.125,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.26227864623069763},{"word":"increasing","start":805.125,"end":805.605,"confidence":0.98535156,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.2780042588710785},{"word":"diversification","start":805.605,"end":806.105,"confidence":0.99902344,"punctuated_word":"diversification","sentiment":"neutral","sentiment_score":0.2889389395713806},{"word":"and","start":806.885,"end":807.045,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28760722279548645},{"word":"adding","start":807.045,"end":807.365,"confidence":1.0,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.30536651611328125},{"word":"a","start":807.365,"end":807.525,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.290878564119339},{"word":"niche","start":807.525,"end":807.84503,"confidence":0.9741211,"punctuated_word":"niche","sentiment":"neutral","sentiment_score":0.2831796109676361},{"word":"area","start":807.84503,"end":808.165,"confidence":0.99902344,"punctuated_word":"area","sentiment":"neutral","sentiment_score":0.3033545911312103},{"word":"where","start":808.165,"end":808.405,"confidence":0.9921875,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.23771576583385468},{"word":"we're","start":808.405,"end":808.565,"confidence":0.96875,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.23694853484630585},{"word":"still","start":808.565,"end":808.885,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.19451893866062164},{"word":"seeing","start":808.885,"end":809.205,"confidence":0.99609375,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":0.26813846826553345},{"word":"growth","start":809.205,"end":809.705,"confidence":0.99902344,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.1990557610988617},{"word":"you","start":810.405,"end":810.565,"confidence":0.84814453,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.05277438089251518},{"word":"do","start":810.565,"end":810.805,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0587993748486042},{"word":"currently","start":810.805,"end":811.205,"confidence":0.9790039,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.03421614691615105},{"word":"you","start":811.285,"end":811.445,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04991892725229263},{"word":"don't","start":811.445,"end":811.685,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.016063272953033447},{"word":"currently","start":811.685,"end":812.165,"confidence":0.99902344,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.02489166334271431},{"word":"have","start":812.165,"end":812.565,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.011968433856964111},{"word":"a","start":812.565,"end":812.645,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.005798185244202614},{"word":"lot","start":812.645,"end":812.965,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.0009586773812770844},{"word":"because","start":812.965,"end":813.285,"confidence":0.44628906,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0031423047184944153},{"word":"we're","start":813.285,"end":813.445,"confidence":0.845459,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.0030425838194787502},{"word":"removing","start":813.445,"end":813.755,"confidence":0.8745117,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.007923323661088943},{"word":"sorry","start":814.005,"end":814.325,"confidence":0.8483887,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.04186279699206352},{"word":"the","start":814.325,"end":814.62,"confidence":0.6586914,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.03548181429505348},{"word":"benelong","start":814.7,"end":815.1,"confidence":0.46720377,"punctuated_word":"Benelong","sentiment":"neutral","sentiment_score":-0.01823604293167591},{"word":"australian","start":815.1,"end":815.58,"confidence":0.93847656,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.019919179379940033},{"word":"equities","start":815.58,"end":815.98,"confidence":0.7394206,"punctuated_word":"equities.","sentiment":"neutral","sentiment_score":0.00791671872138977},{"word":"we","start":815.98,"end":816.14,"confidence":0.6196289,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.039289262145757675},{"word":"kind","start":816.14,"end":816.3,"confidence":0.9091797,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04423460736870766},{"word":"of","start":816.3,"end":816.46,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.034333281219005585},{"word":"wanna","start":816.46,"end":816.7,"confidence":0.9921875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.058620382100343704},{"word":"add","start":816.7,"end":816.94,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.0402238667011261},{"word":"in","start":816.94,"end":817.18,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03882259503006935},{"word":"there","start":817.18,"end":817.68,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04920210689306259},{"word":"and","start":817.74,"end":817.9,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03616408631205559},{"word":"make","start":817.9,"end":818.06,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.0429413840174675},{"word":"sure","start":818.06,"end":818.3,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.043462906032800674},{"word":"you","start":818.3,"end":818.54,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05883835256099701},{"word":"have","start":818.54,"end":818.77997,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.045502349734306335},{"word":"some","start":818.77997,"end":819.1,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.03439245745539665},{"word":"exposure","start":819.1,"end":819.58,"confidence":1.0,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.027600524947047234},{"word":"into","start":819.58,"end":820.06,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.02802399918437004},{"word":"australian","start":820.06,"end":820.54,"confidence":0.9970703,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.015432078391313553},{"word":"equities","start":820.54,"end":821.04,"confidence":0.97265625,"punctuated_word":"equities.","sentiment":"neutral","sentiment_score":0.030093997716903687},{"word":"so","start":821.1,"end":821.6,"confidence":0.9428711,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.06801626831293106},{"word":"essentially","start":821.9,"end":822.4,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.0705183669924736},{"word":"we're","start":823.18,"end":823.42,"confidence":0.9975586,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.09009313583374023},{"word":"gonna","start":823.42,"end":823.66,"confidence":0.9482422,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.09471321105957033},{"word":"keep","start":823.66,"end":823.9,"confidence":0.98828125,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.07598599046468735},{"word":"the","start":823.9,"end":824.06,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08350540697574615},{"word":"beta","start":824.06,"end":824.3,"confidence":0.7963867,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.07223150134086609},{"word":"shares","start":824.3,"end":824.7,"confidence":0.96972656,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.057154424488544464},{"word":"raffi","start":824.7,"end":825.18,"confidence":0.6282552,"punctuated_word":"Raffi","sentiment":"neutral","sentiment_score":0.07896238565444946},{"word":"aussie","start":825.18,"end":825.5,"confidence":0.96728516,"punctuated_word":"Aussie","sentiment":"neutral","sentiment_score":0.08419683575630188},{"word":"two","start":825.5,"end":825.74,"confidence":0.9970703,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.08309195935726166},{"word":"hundred","start":825.74,"end":826.24,"confidence":0.92529297,"punctuated_word":"hundred,","sentiment":"neutral","sentiment_score":0.07914512604475021},{"word":"and","start":826.38,"end":826.54,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07653535157442093},{"word":"we're","start":826.54,"end":826.77997,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.09394443035125732},{"word":"also","start":826.77997,"end":827.18,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08097522705793381},{"word":"adding","start":827.18,"end":827.5,"confidence":1.0,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.07352691888809204},{"word":"in","start":827.5,"end":827.66,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07828792929649353},{"word":"the","start":827.66,"end":827.82,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0869770348072052},{"word":"australian","start":827.82,"end":828.3,"confidence":0.99316406,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.06707185506820679},{"word":"beta","start":828.3,"end":828.7,"confidence":0.9536133,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.058757610619068146},{"word":"shares","start":828.7,"end":829.02,"confidence":0.9941406,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.07740423083305359},{"word":"a","start":829.02,"end":829.18,"confidence":0.96777344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08053593337535858},{"word":"200","start":829.18,"end":829.83997,"confidence":0.9937744,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.07115739583969116},{"word":"so","start":829.925,"end":830.08496,"confidence":0.8959961,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17778876423835754},{"word":"these","start":830.08496,"end":830.245,"confidence":0.9980469,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.19150692224502563},{"word":"two","start":830.245,"end":830.485,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.19071054458618164},{"word":"investments","start":830.485,"end":830.88495,"confidence":0.99609375,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1090310961008072},{"word":"are","start":830.88495,"end":830.96497,"confidence":0.9770508,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.259228378534317},{"word":"giving","start":830.96497,"end":831.285,"confidence":0.9970703,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.24764296412467957},{"word":"you","start":831.285,"end":831.52496,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22045260667800903},{"word":"exposure","start":831.52496,"end":831.925,"confidence":0.9970703,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.17386949062347412},{"word":"to","start":831.925,"end":832.08496,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2500699460506439},{"word":"some","start":832.08496,"end":832.32495,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.24471651017665863},{"word":"of","start":832.32495,"end":832.40497,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22657448053359985},{"word":"the","start":832.40497,"end":832.485,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21099327504634857},{"word":"largest","start":832.485,"end":832.88495,"confidence":0.99121094,"punctuated_word":"largest","sentiment":"neutral","sentiment_score":0.18173427879810333},{"word":"companies","start":832.88495,"end":833.285,"confidence":0.99902344,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.1644921898841858},{"word":"on","start":833.285,"end":833.44495,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.20722973346710205},{"word":"the","start":833.44495,"end":833.685,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.207259863615036},{"word":"asx","start":833.685,"end":834.185,"confidence":0.9902344,"punctuated_word":"ASX.","sentiment":"neutral","sentiment_score":0.1847749650478363},{"word":"between","start":834.56494,"end":834.88495,"confidence":1.0,"punctuated_word":"Between","sentiment":"neutral","sentiment_score":0.2302060574293137},{"word":"the","start":834.88495,"end":835.045,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14750893414020538},{"word":"two","start":835.045,"end":835.285,"confidence":0.9975586,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":0.17688733339309692},{"word":"it'll","start":835.285,"end":835.605,"confidence":0.9970703,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.1907474398612976},{"word":"be","start":835.605,"end":835.76495,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15047715604305267},{"word":"at","start":835.76495,"end":835.925,"confidence":0.609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1701807975769043},{"word":"the","start":835.925,"end":836.245,"confidence":0.7470703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17877086997032166},{"word":"25%","start":836.245,"end":837.125,"confidence":0.9820964,"punctuated_word":"25%","sentiment":"neutral","sentiment_score":0.1866152286529541},{"word":"holding","start":837.125,"end":837.44495,"confidence":1.0,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":0.10652409493923189},{"word":"into","start":837.44495,"end":837.685,"confidence":0.9941406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.11256343871355055},{"word":"the","start":837.685,"end":837.845,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1560949981212616},{"word":"australian","start":837.845,"end":838.32495,"confidence":0.99609375,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.1336987167596817},{"word":"market","start":838.32495,"end":838.82495,"confidence":0.9375,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.13407273590564728},{"word":"and","start":838.96497,"end":839.125,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15507584810256958},{"word":"by","start":839.125,"end":839.365,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.16379015147686005},{"word":"removing","start":839.365,"end":839.845,"confidence":1.0,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":0.1219424530863762},{"word":"bannalong","start":839.845,"end":840.32495,"confidence":0.6088867,"punctuated_word":"Bannalong,","sentiment":"neutral","sentiment_score":0.07836134731769562},{"word":"which","start":840.32495,"end":840.485,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.07616008818149567},{"word":"is","start":840.485,"end":840.64496,"confidence":0.5053711,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04677889496088028},{"word":"being","start":840.64496,"end":840.88495,"confidence":0.9614258,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.008426547050476074},{"word":"underperforming","start":840.88495,"end":841.38495,"confidence":0.9946289,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":0.06418110430240631},{"word":"and","start":841.845,"end":842.08496,"confidence":0.52685547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0724894255399704},{"word":"adding","start":842.08496,"end":842.32495,"confidence":1.0,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.10373418033123016},{"word":"these","start":842.32495,"end":842.56494,"confidence":0.99902344,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.11640933156013487},{"word":"two","start":842.56494,"end":842.805,"confidence":0.984375,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.10674524307250977},{"word":"investments","start":842.805,"end":843.305,"confidence":0.9970703,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.03830931335687637},{"word":"in","start":843.365,"end":843.52496,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1174347996711731},{"word":"there","start":843.52496,"end":843.76495,"confidence":0.79785156,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1770852357149124},{"word":"we're","start":843.76495,"end":844.08496,"confidence":0.892334,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.27313244342803955},{"word":"still","start":844.08496,"end":844.40497,"confidence":0.9902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2627691626548767},{"word":"keeping","start":844.40497,"end":844.805,"confidence":1.0,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.27639663219451904},{"word":"that","start":844.805,"end":844.96497,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24870213866233823},{"word":"exposure","start":844.96497,"end":845.46497,"confidence":0.9970703,"punctuated_word":"exposure,","sentiment":"neutral","sentiment_score":0.1898653656244278},{"word":"adding","start":845.81,"end":846.13,"confidence":1.0,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.27981406450271606},{"word":"more","start":846.13,"end":846.37,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.3033936321735382},{"word":"diversification","start":846.37,"end":846.87,"confidence":0.97835284,"punctuated_word":"diversification,","sentiment":"neutral","sentiment_score":0.27292269468307495},{"word":"and","start":848.05,"end":848.29,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28905636072158813},{"word":"providing","start":848.29,"end":848.76996,"confidence":1.0,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":0.3161541223526001},{"word":"you","start":848.76996,"end":849.01,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3622560501098633},{"word":"with","start":849.01,"end":849.17,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.34390732645988464},{"word":"a","start":849.17,"end":849.32996,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29962825775146484},{"word":"lower","start":849.32996,"end":849.64996,"confidence":0.99902344,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.17542962729930878},{"word":"overall","start":849.64996,"end":849.97,"confidence":0.9980469,"punctuated_word":"overall","sentiment":"neutral","sentiment_score":0.1830447018146515},{"word":"risk","start":849.97,"end":850.29,"confidence":0.9892578,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.17234526574611664},{"word":"in","start":850.29,"end":850.44995,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2533990740776062},{"word":"your","start":850.44995,"end":850.61,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24701808393001556},{"word":"portfolio","start":850.61,"end":851.11,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.20737579464912417},{"word":"as","start":851.17,"end":851.32996,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25736668705940247},{"word":"well","start":851.32996,"end":851.57,"confidence":0.984375,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.19029919803142548},{"word":"so","start":851.57,"end":851.73,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4381722509860992},{"word":"that's","start":851.73,"end":851.88995,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.6721137762069702},{"word":"a","start":851.88995,"end":852.05,"confidence":0.97314453,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7147706747055054},{"word":"positive","start":852.05,"end":852.52997,"confidence":1.0,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.7396270036697388},{"word":"thing","start":852.52997,"end":852.93,"confidence":0.95214844,"punctuated_word":"thing,","sentiment":"positive","sentiment_score":0.7515026330947876},{"word":"and","start":852.93,"end":853.17,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5616748929023743},{"word":"it's","start":853.17,"end":853.41,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5457884669303894},{"word":"cheaper","start":853.41,"end":853.91,"confidence":1.0,"punctuated_word":"cheaper.","sentiment":"neutral","sentiment_score":0.3269592523574829},{"word":"we've","start":854.76996,"end":855.01,"confidence":0.9797363,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.3004421293735504},{"word":"also","start":855.01,"end":855.32996,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.22037266194820404},{"word":"got","start":855.32996,"end":855.49,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.28481581807136536},{"word":"the","start":855.49,"end":855.73,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26287317276000977},{"word":"jpmorgan","start":855.73,"end":856.23,"confidence":0.74316406,"punctuated_word":"JPMorgan","sentiment":"neutral","sentiment_score":0.2455820739269257},{"word":"re","start":856.44995,"end":856.76996,"confidence":0.5073242,"punctuated_word":"re","sentiment":"neutral","sentiment_score":0.2759256362915039},{"word":"research","start":857.01,"end":857.51,"confidence":0.65625,"punctuated_word":"Research","sentiment":"neutral","sentiment_score":0.2572926878929138},{"word":"enhanced","start":857.57,"end":858.045,"confidence":0.81640625,"punctuated_word":"Enhanced","sentiment":"neutral","sentiment_score":0.25880497694015503},{"word":"equity","start":858.20496,"end":858.52496,"confidence":0.97998047,"punctuated_word":"Equity","sentiment":"neutral","sentiment_score":0.25981858372688293},{"word":"fund","start":858.52496,"end":858.76495,"confidence":0.9741211,"punctuated_word":"Fund.","sentiment":"neutral","sentiment_score":0.21470385789871216},{"word":"this","start":858.76495,"end":859.08496,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.24438698589801788},{"word":"one","start":859.08496,"end":859.325,"confidence":0.9921875,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.27500346302986145},{"word":"here","start":859.325,"end":859.64496,"confidence":0.9970703,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.2655685544013977},{"word":"is","start":859.64496,"end":859.805,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.24537168443202972},{"word":"a","start":859.805,"end":859.885,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26386553049087524},{"word":"little","start":859.885,"end":860.045,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.25835925340652466},{"word":"bit","start":860.045,"end":860.285,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2413814961910248},{"word":"of","start":860.285,"end":860.365,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23204931616783145},{"word":"an","start":860.365,"end":860.52496,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2526540458202362},{"word":"actively","start":860.52496,"end":860.845,"confidence":0.99902344,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.3056122660636902},{"word":"managed","start":860.845,"end":861.245,"confidence":0.9951172,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.30276796221733093},{"word":"fund","start":861.245,"end":861.485,"confidence":0.9855957,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.2576891779899597},{"word":"but","start":861.485,"end":861.64496,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2462093085050583},{"word":"it's","start":861.64496,"end":861.885,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4269826412200928},{"word":"also","start":861.885,"end":862.20496,"confidence":0.99902344,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.3801296055316925},{"word":"very","start":862.20496,"end":862.445,"confidence":0.9980469,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.4530282318592071},{"word":"cost","start":862.445,"end":862.76495,"confidence":1.0,"punctuated_word":"cost","sentiment":"positive","sentiment_score":0.45273515582084656},{"word":"effective","start":862.76495,"end":863.26495,"confidence":0.9995117,"punctuated_word":"effective.","sentiment":"positive","sentiment_score":0.3528584837913513},{"word":"it","start":863.565,"end":863.805,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.30969205498695374},{"word":"accesses","start":863.805,"end":864.20496,"confidence":0.9951172,"punctuated_word":"accesses","sentiment":"neutral","sentiment_score":0.26032862067222595},{"word":"and","start":864.20496,"end":864.445,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2732308506965637},{"word":"uses","start":864.445,"end":864.925,"confidence":0.9902344,"punctuated_word":"uses","sentiment":"neutral","sentiment_score":0.27068111300468445},{"word":"jpmorgan's","start":864.925,"end":865.425,"confidence":0.98413086,"punctuated_word":"JPMorgan's","sentiment":"neutral","sentiment_score":0.2918051481246948},{"word":"research","start":865.725,"end":866.225,"confidence":0.9941406,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.27511855959892273},{"word":"team","start":866.285,"end":866.785,"confidence":0.99902344,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.27628350257873535},{"word":"in","start":867.165,"end":867.325,"confidence":0.85546875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2818394601345062},{"word":"order","start":867.325,"end":867.64496,"confidence":0.99902344,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.24633154273033145},{"word":"to","start":867.64496,"end":867.885,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2584875226020813},{"word":"pick","start":867.885,"end":868.045,"confidence":0.99902344,"punctuated_word":"pick","sentiment":"neutral","sentiment_score":0.3163124918937683},{"word":"and","start":868.045,"end":868.20496,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2481485903263092},{"word":"choose","start":868.20496,"end":868.605,"confidence":1.0,"punctuated_word":"choose","sentiment":"neutral","sentiment_score":0.26483243703842163},{"word":"where","start":868.605,"end":868.925,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.22429166734218595},{"word":"to","start":868.925,"end":869.165,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22569584846496585},{"word":"invest","start":869.165,"end":869.64496,"confidence":0.9785156,"punctuated_word":"invest,","sentiment":"neutral","sentiment_score":0.1960778534412384},{"word":"but","start":869.64496,"end":869.805,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1921394020318985},{"word":"it","start":869.805,"end":869.96497,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2742440700531006},{"word":"also","start":869.96497,"end":870.445,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.198407381772995},{"word":"does","start":870.445,"end":870.685,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.24742618203163147},{"word":"track","start":870.685,"end":871.08496,"confidence":0.9980469,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.27461010217666626},{"word":"global","start":871.08496,"end":871.58496,"confidence":0.92089844,"punctuated_word":"global","sentiment":"neutral","sentiment_score":0.1999061107635498},{"word":"markets","start":871.725,"end":872.20496,"confidence":0.7819824,"punctuated_word":"markets.","sentiment":"neutral","sentiment_score":0.2472265064716339},{"word":"so","start":872.20496,"end":872.67,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2825292944908142},{"word":"it's","start":872.75,"end":872.99,"confidence":0.8367513,"punctuated_word":"it's,","sentiment":"positive","sentiment_score":0.33581215143203735},{"word":"again","start":872.99,"end":873.14996,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.32342490553855896},{"word":"about","start":873.14996,"end":873.64996,"confidence":0.99902344,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.3357585370540619},{"word":"providing","start":873.79,"end":874.29,"confidence":1.0,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":0.3057863712310791},{"word":"diversification","start":874.51,"end":875.01,"confidence":0.9238281,"punctuated_word":"diversification,","sentiment":"neutral","sentiment_score":0.3085407614707947},{"word":"but","start":876.02997,"end":876.19,"confidence":0.5649414,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.32004421949386597},{"word":"also","start":876.19,"end":876.58997,"confidence":0.7973633,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.31698471307754517},{"word":"making","start":876.58997,"end":876.91,"confidence":0.96435547,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.3732987642288208},{"word":"sure","start":876.91,"end":877.14996,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.373645156621933},{"word":"we","start":877.14996,"end":877.31,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.299419641494751},{"word":"can","start":877.31,"end":877.47,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2930353879928589},{"word":"find","start":877.47,"end":877.87,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.3125595450401306},{"word":"good","start":877.87,"end":878.19,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.26963627338409424},{"word":"areas","start":878.19,"end":878.69,"confidence":1.0,"punctuated_word":"areas","sentiment":"positive","sentiment_score":0.3929278254508972},{"word":"to","start":878.82996,"end":878.99,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.373232901096344},{"word":"provide","start":878.99,"end":879.49,"confidence":1.0,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.34319987893104553},{"word":"growth","start":879.55,"end":879.87,"confidence":0.984375,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3825616836547851},{"word":"for","start":879.87,"end":880.02997,"confidence":0.9970703,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.395898699760437},{"word":"you","start":880.02997,"end":880.19,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3810619711875915},{"word":"as","start":880.19,"end":880.43,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3250848352909088},{"word":"well","start":880.43,"end":880.67,"confidence":0.99902344,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2911339998245239},{"word":"down","start":880.67,"end":880.91,"confidence":0.9970703,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.34464365243911743},{"word":"the","start":880.91,"end":881.07,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2584228217601776},{"word":"track","start":881.07,"end":881.57,"confidence":0.9946289,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":0.24786242842674255},{"word":"okay","start":881.63,"end":882.13,"confidence":0.98706055,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1446555256843567},{"word":"we'll","start":883.47,"end":883.70996,"confidence":0.9387207,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.24793577194213867},{"word":"hold","start":883.70996,"end":883.95,"confidence":0.9980469,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.21817316114902496},{"word":"15%","start":883.95,"end":884.58997,"confidence":0.99560547,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.3180864155292511},{"word":"of","start":884.58997,"end":884.75,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20120641589164737},{"word":"that","start":884.75,"end":884.91,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24771390855312347},{"word":"investment","start":884.91,"end":885.41,"confidence":0.97509766,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.17043578624725342},{"word":"there","start":885.47,"end":885.63,"confidence":0.984375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.26115280389785767},{"word":"for","start":885.63,"end":885.79,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22320856153964996},{"word":"you","start":885.79,"end":886.02997,"confidence":0.8955078,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11870477348566057},{"word":"and","start":886.02997,"end":886.19,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13763506710529327},{"word":"then","start":886.19,"end":886.35,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1437678039073944},{"word":"because","start":886.35,"end":886.67,"confidence":0.96240234,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1708243489265442},{"word":"we","start":886.67,"end":886.82996,"confidence":0.96533203,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2727445662021637},{"word":"still","start":886.82996,"end":887.07,"confidence":0.98095703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.25189444422721863},{"word":"wanna","start":887.07,"end":887.38995,"confidence":0.97802734,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2972555160522461},{"word":"have","start":887.38995,"end":887.805,"confidence":0.9248047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2069222629070282},{"word":"defensive","start":887.885,"end":888.285,"confidence":0.89746094,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.10259200632572174},{"word":"investments","start":888.285,"end":888.685,"confidence":0.98779297,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.14780071377754211},{"word":"we're","start":888.685,"end":888.845,"confidence":0.9658203,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.260966420173645},{"word":"also","start":888.845,"end":889.165,"confidence":0.9951172,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.16562704741954803},{"word":"gonna","start":889.165,"end":889.485,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2416034638881683},{"word":"include","start":889.485,"end":889.985,"confidence":0.99316406,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.22518222033977509},{"word":"core","start":890.365,"end":890.605,"confidence":0.9160156,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.14058490097522736},{"word":"composite","start":890.605,"end":891.085,"confidence":0.9536133,"punctuated_word":"composite","sentiment":"neutral","sentiment_score":0.16329239308834076},{"word":"bonds","start":891.085,"end":891.40497,"confidence":0.67163086,"punctuated_word":"bonds,","sentiment":"neutral","sentiment_score":0.1980707347393036},{"word":"giving","start":891.40497,"end":891.725,"confidence":0.9980469,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.22245359420776367},{"word":"you","start":891.725,"end":891.885,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2545314431190491},{"word":"exposure","start":891.885,"end":892.365,"confidence":0.99902344,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.23792752623558044},{"word":"to","start":892.365,"end":892.52496,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24090981483459473},{"word":"both","start":892.52496,"end":892.765,"confidence":0.9970703,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.21222150325775144},{"word":"government","start":892.765,"end":893.165,"confidence":0.99902344,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.17953886091709137},{"word":"and","start":893.165,"end":893.325,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15656043589115143},{"word":"corporate","start":893.325,"end":893.805,"confidence":0.99902344,"punctuated_word":"corporate","sentiment":"neutral","sentiment_score":0.1323112994432449},{"word":"bonds","start":893.805,"end":894.205,"confidence":0.75268555,"punctuated_word":"bonds,","sentiment":"neutral","sentiment_score":0.17857380211353302},{"word":"and","start":894.205,"end":894.445,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21028363704681396},{"word":"the","start":894.445,"end":894.685,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2595135569572449},{"word":"ishares","start":894.685,"end":895.185,"confidence":0.9382324,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":0.2629600763320923},{"word":"yield","start":895.245,"end":895.565,"confidence":0.8276367,"punctuated_word":"Yield","sentiment":"neutral","sentiment_score":0.2559473514556885},{"word":"plus","start":895.565,"end":895.805,"confidence":0.7163086,"punctuated_word":"Plus,","sentiment":"neutral","sentiment_score":0.2584449052810669},{"word":"which","start":895.805,"end":896.045,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.3297266960144043},{"word":"is","start":896.045,"end":896.205,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2773556113243103},{"word":"giving","start":896.205,"end":896.445,"confidence":0.9980469,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.34549379348754883},{"word":"you","start":896.445,"end":896.685,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3483887314796448},{"word":"access","start":896.685,"end":897.085,"confidence":1.0,"punctuated_word":"access","sentiment":"positive","sentiment_score":0.3361075222492218},{"word":"to","start":897.085,"end":897.585,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.37364792823791504},{"word":"high","start":897.645,"end":897.885,"confidence":0.94140625,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.39980530738830566},{"word":"yielding","start":897.885,"end":898.365,"confidence":0.9921875,"punctuated_word":"yielding","sentiment":"positive","sentiment_score":0.38996797800064087},{"word":"or","start":898.365,"end":898.52496,"confidence":0.98535156,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.3974260091781616},{"word":"high","start":898.52496,"end":898.765,"confidence":0.9941406,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.42635577917099},{"word":"income","start":898.765,"end":899.245,"confidence":1.0,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.5247622132301331},{"word":"producing","start":899.245,"end":899.745,"confidence":0.9951172,"punctuated_word":"producing","sentiment":"positive","sentiment_score":0.4653551876544952},{"word":"fixed","start":899.885,"end":900.285,"confidence":0.95947266,"punctuated_word":"fixed","sentiment":"positive","sentiment_score":0.4028985798358917},{"word":"interest","start":900.285,"end":900.765,"confidence":0.9604492,"punctuated_word":"interest","sentiment":"positive","sentiment_score":0.39896160364151},{"word":"and","start":900.765,"end":901.085,"confidence":0.97998047,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4244842827320099},{"word":"low","start":901.085,"end":901.325,"confidence":0.9941406,"punctuated_word":"low","sentiment":"positive","sentiment_score":0.361434668302536},{"word":"risk","start":901.325,"end":901.645,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.3089895248413086},{"word":"investments","start":901.645,"end":902.145,"confidence":0.97924805,"punctuated_word":"investments,","sentiment":"positive","sentiment_score":0.35056743025779724},{"word":"which","start":902.205,"end":902.445,"confidence":0.99902344,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.7264087796211243},{"word":"is","start":902.445,"end":902.685,"confidence":0.9980469,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.8161126971244812},{"word":"great","start":902.685,"end":903.185,"confidence":0.9790039,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.7245981693267822},{"word":"between","start":903.37,"end":903.53,"confidence":1.0,"punctuated_word":"Between","sentiment":"positive","sentiment_score":0.42975789308547974},{"word":"the","start":903.53,"end":903.69,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.43521422147750854},{"word":"two","start":903.69,"end":904.09,"confidence":1.0,"punctuated_word":"two","sentiment":"positive","sentiment_score":0.4656169712543487},{"word":"of","start":904.09,"end":904.17004,"confidence":0.93408203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30592650175094604},{"word":"those","start":904.17004,"end":904.41003,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.27909982204437256},{"word":"holding","start":904.41003,"end":904.81,"confidence":0.875,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":0.17071400582790375},{"word":"9%","start":904.81,"end":905.37,"confidence":0.9995117,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":0.26832669973373413},{"word":"each","start":905.37,"end":905.69,"confidence":0.91503906,"punctuated_word":"each,","sentiment":"neutral","sentiment_score":0.25496745109558105},{"word":"and","start":905.69,"end":905.77,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27894145250320435},{"word":"that's","start":905.77,"end":906.01,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.34089431166648865},{"word":"giving","start":906.01,"end":906.33,"confidence":1.0,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.36907684803009033},{"word":"you","start":906.33,"end":906.49005,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.44782689213752747},{"word":"that","start":906.49005,"end":906.81,"confidence":0.7854004,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.44219470024108887},{"word":"defensive","start":907.13,"end":907.63,"confidence":0.9921875,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.3207232356071472},{"word":"component","start":907.69,"end":908.17004,"confidence":0.9980469,"punctuated_word":"component","sentiment":"positive","sentiment_score":0.3886834681034088},{"word":"for","start":908.17004,"end":908.33,"confidence":0.9941406,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.389076292514801},{"word":"your","start":908.33,"end":908.57,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3571247160434723},{"word":"portfolio","start":908.57,"end":909.07,"confidence":0.98583984,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.27507221698760986},{"word":"essentially","start":909.69,"end":910.19,"confidence":0.99902344,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.30985790491104126},{"word":"this","start":910.25,"end":910.49005,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.45515376329422},{"word":"is","start":910.49005,"end":910.65,"confidence":0.9580078,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.39246463775634766},{"word":"giving","start":910.65,"end":910.97003,"confidence":1.0,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.4641745388507843},{"word":"you","start":910.97003,"end":911.13,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.48379120230674744},{"word":"greater","start":911.13,"end":911.53,"confidence":0.96777344,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.4609528183937073},{"word":"diversification","start":911.53,"end":912.03,"confidence":0.9926758,"punctuated_word":"diversification.","sentiment":"positive","sentiment_score":0.5119502544403076},{"word":"it","start":912.49005,"end":912.57,"confidence":1.0,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5924845933914185},{"word":"has","start":912.57,"end":912.97003,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5690249800682068},{"word":"performed","start":912.97003,"end":913.47003,"confidence":0.984375,"punctuated_word":"performed","sentiment":"positive","sentiment_score":0.6263725161552429},{"word":"better","start":913.53,"end":914.03,"confidence":0.9926758,"punctuated_word":"better.","sentiment":"positive","sentiment_score":0.5913972854614258},{"word":"there's","start":914.57,"end":914.97003,"confidence":0.9880371,"punctuated_word":"There's","sentiment":"positive","sentiment_score":0.6233447790145874},{"word":"a","start":914.97003,"end":915.13,"confidence":0.9941406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6048208475112915},{"word":"very","start":915.13,"end":915.37,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5731942057609558},{"word":"limited","start":915.37,"end":915.795,"confidence":0.99902344,"punctuated_word":"limited","sentiment":"positive","sentiment_score":0.49047157168388367},{"word":"cgt","start":915.795,"end":916.295,"confidence":0.9099121,"punctuated_word":"CGT","sentiment":"positive","sentiment_score":0.3958814740180969},{"word":"costs","start":916.435,"end":916.915,"confidence":0.52441406,"punctuated_word":"costs","sentiment":"positive","sentiment_score":0.3961641788482666},{"word":"for","start":916.915,"end":917.15497,"confidence":0.9873047,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.422964870929718},{"word":"the","start":917.15497,"end":917.39496,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3826256394386291},{"word":"change","start":917.39496,"end":917.71497,"confidence":0.9499512,"punctuated_word":"change,","sentiment":"positive","sentiment_score":0.3956007063388825},{"word":"and","start":917.71497,"end":917.95496,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.40990859270095825},{"word":"it's","start":917.95496,"end":918.115,"confidence":1.0,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5213348865509033},{"word":"a","start":918.115,"end":918.27496,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.46831637620925903},{"word":"cheaper","start":918.27496,"end":918.755,"confidence":1.0,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.4858768582344055},{"word":"portfolio","start":918.755,"end":919.255,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.3704318106174469},{"word":"as","start":919.39496,"end":919.635,"confidence":0.9921875,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.534981906414032},{"word":"a","start":919.635,"end":919.71497,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4352273941040039},{"word":"whole","start":919.71497,"end":920.035,"confidence":0.9436035,"punctuated_word":"whole.","sentiment":"positive","sentiment_score":0.4031313359737396},{"word":"so","start":920.035,"end":920.535,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5352900624275208},{"word":"i","start":920.595,"end":920.675,"confidence":0.9980469,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7230831980705261},{"word":"felt","start":920.675,"end":920.915,"confidence":0.9716797,"punctuated_word":"felt","sentiment":"positive","sentiment_score":0.7618858814239502},{"word":"it","start":920.915,"end":921.075,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.7884889245033264},{"word":"was","start":921.075,"end":921.315,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.7255920171737671},{"word":"a","start":921.315,"end":921.39496,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7906720638275146},{"word":"really","start":921.39496,"end":921.71497,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7808805704116821},{"word":"good","start":921.71497,"end":922.035,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7892261743545532},{"word":"move","start":922.035,"end":922.27496,"confidence":1.0,"punctuated_word":"move","sentiment":"positive","sentiment_score":0.746527373790741},{"word":"to","start":922.27496,"end":922.435,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8187255263328552},{"word":"be","start":922.435,"end":922.595,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.7987107038497925},{"word":"able","start":922.595,"end":922.83496,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.7898772954940796},{"word":"to","start":922.83496,"end":922.995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7897018790245056},{"word":"switch","start":922.995,"end":923.315,"confidence":1.0,"punctuated_word":"switch","sentiment":"positive","sentiment_score":0.6758091449737549},{"word":"that","start":923.315,"end":923.555,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6638768315315247},{"word":"for","start":923.555,"end":923.795,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6642141938209534},{"word":"you","start":923.795,"end":924.295,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.498625785112381},{"word":"yeah","start":926.115,"end":926.615,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01111452654004097},{"word":"that","start":926.755,"end":926.995,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.04590337723493576},{"word":"is","start":926.995,"end":927.15497,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03776249662041664},{"word":"a","start":927.15497,"end":927.235,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.048057086765766144},{"word":"lot","start":927.235,"end":927.475,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.05717954784631729},{"word":"when","start":927.475,"end":927.635,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.05045176297426224},{"word":"you're","start":927.635,"end":927.795,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.05638457462191582},{"word":"not","start":927.795,"end":927.95496,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04120800644159317},{"word":"looking","start":927.95496,"end":928.195,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.046513013541698456},{"word":"at","start":928.195,"end":928.27496,"confidence":0.9667969,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08385210484266281},{"word":"the","start":928.27496,"end":928.435,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05141835659742355},{"word":"document","start":928.435,"end":928.83496,"confidence":0.8762207,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":-0.07397779822349548},{"word":"and","start":928.83496,"end":928.995,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0864059329032898},{"word":"you've","start":928.995,"end":929.235,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.10541419684886932},{"word":"had","start":929.235,"end":929.39496,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.10162964463233948},{"word":"a","start":929.39496,"end":929.475,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10601098835468292},{"word":"long","start":929.475,"end":929.71497,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.1113700270652771},{"word":"week","start":929.71497,"end":929.95496,"confidence":0.5682373,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.08857432007789612},{"word":"and","start":929.95496,"end":930.115,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.05079883337020874},{"word":"i'm","start":930.115,"end":930.27496,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.07900631427764893},{"word":"very","start":930.27496,"end":930.595,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.10227801650762558},{"word":"sorry","start":930.595,"end":930.96,"confidence":0.8642578,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.08832348138093948},{"word":"paul","start":931.04004,"end":931.2,"confidence":0.9567871,"punctuated_word":"Paul,","sentiment":"neutral","sentiment_score":-0.087583988904953},{"word":"do","start":931.2,"end":931.32,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.10353995859622955},{"word":"you","start":931.32,"end":931.44,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09395628422498704},{"word":"have","start":931.44,"end":931.84,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1043834462761879},{"word":"any","start":931.84,"end":932.16003,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.07451439648866653},{"word":"questions","start":932.16003,"end":932.64,"confidence":0.9980469,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-0.055537089705467224},{"word":"that","start":932.64,"end":932.80005,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0746779814362526},{"word":"could","start":932.80005,"end":933.04004,"confidence":0.9921875,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.07860226929187775},{"word":"come","start":933.04004,"end":933.28,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.0701189637184143},{"word":"up","start":933.28,"end":933.52,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.07053983956575394},{"word":"at","start":933.52,"end":933.60004,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.09462088346481325},{"word":"the","start":933.60004,"end":933.68,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0958922877907753},{"word":"moment","start":933.68,"end":934.18,"confidence":0.99902344,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":-0.07793635129928589},{"word":"excellent","start":938.08,"end":938.58,"confidence":0.9572754,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.3634432554244995},{"word":"excellent","start":939.04004,"end":939.52,"confidence":0.97143555,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.31463801860809326},{"word":"you're","start":939.52,"end":939.68,"confidence":0.97875977,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.19627439975738523},{"word":"probably","start":939.68,"end":940.0,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.18886277079582217},{"word":"thinking","start":940.0,"end":940.32,"confidence":0.8457031,"punctuated_word":"thinking,","sentiment":"neutral","sentiment_score":0.1511625051498413},{"word":"what","start":940.32,"end":940.48004,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0667010247707367},{"word":"is","start":940.48004,"end":940.72003,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06556527316570282},{"word":"she","start":940.72003,"end":940.96,"confidence":0.99902344,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.11951948702335358},{"word":"on","start":940.96,"end":941.46,"confidence":0.9980469,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":0.07576872408390045},{"word":"that","start":944.515,"end":944.555,"confidence":0.74316406,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2041301727294922},{"word":"all","start":944.595,"end":944.915,"confidence":0.51171875,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2296569347381592},{"word":"good","start":944.915,"end":945.415,"confidence":0.9980469,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1913919895887375},{"word":"we're","start":945.475,"end":945.71497,"confidence":0.8725586,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.12974917888641355},{"word":"all","start":945.71497,"end":946.21497,"confidence":0.87597656,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.18901197612285617},{"word":"that's","start":948.115,"end":948.355,"confidence":0.9946289,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.3658308684825897},{"word":"all","start":948.355,"end":948.595,"confidence":0.97998047,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.417790949344635},{"word":"good","start":948.595,"end":948.915,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.35770222544670105},{"word":"i'll","start":948.915,"end":949.075,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.30652010440826416},{"word":"look","start":949.075,"end":949.315,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2712288498878479},{"word":"after","start":949.315,"end":949.635,"confidence":0.99902344,"punctuated_word":"after","sentiment":"positive","sentiment_score":0.35587823390960693},{"word":"you","start":949.635,"end":950.135,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.25465595722198486},{"word":"essentially","start":951.315,"end":951.815,"confidence":0.9746094,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.1514367312192917},{"word":"the","start":951.875,"end":952.035,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21922531723976135},{"word":"rest","start":952.035,"end":952.27496,"confidence":0.99902344,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.2324732095003128},{"word":"of","start":952.27496,"end":952.355,"confidence":0.9589844,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17431233823299408},{"word":"that","start":952.355,"end":952.595,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17995458841323853},{"word":"is","start":952.595,"end":952.755,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17128369212150574},{"word":"just","start":952.755,"end":952.995,"confidence":0.82373047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2395050078630447},{"word":"making","start":952.995,"end":953.235,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.2216392606496811},{"word":"sure","start":953.235,"end":953.475,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2331601232290268},{"word":"we","start":953.475,"end":953.635,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2524164319038391},{"word":"do","start":953.635,"end":953.795,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2135210931301117},{"word":"retain","start":953.795,"end":954.115,"confidence":0.9980469,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.18944606184959412},{"word":"the","start":954.115,"end":954.355,"confidence":0.88134766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2158058285713196},{"word":"mlc","start":954.355,"end":954.855,"confidence":0.9797363,"punctuated_word":"MLC","sentiment":"neutral","sentiment_score":0.15595221519470215},{"word":"account","start":954.915,"end":955.235,"confidence":0.7792969,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.20789259672164917},{"word":"to","start":955.235,"end":955.395,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19567148387432096},{"word":"keep","start":955.395,"end":955.555,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2158874273300171},{"word":"your","start":955.555,"end":955.795,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16845080256462097},{"word":"insurances","start":955.795,"end":956.295,"confidence":0.9946289,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.1709626019001007},{"word":"in","start":956.355,"end":956.595,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19563935697078705},{"word":"place","start":956.595,"end":957.03,"confidence":0.9975586,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.18425945937633512},{"word":"we'll","start":957.27,"end":957.51,"confidence":0.97802734,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.16786567866802216},{"word":"make","start":957.51,"end":957.59,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1607011705636978},{"word":"sure","start":957.59,"end":957.83,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1620538979768753},{"word":"we","start":957.83,"end":957.99005,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1990860104560852},{"word":"have","start":957.99005,"end":958.07,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19200682640075684},{"word":"an","start":958.07,"end":958.23004,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.17581841349601746},{"word":"opt","start":958.23004,"end":958.47003,"confidence":0.97802734,"punctuated_word":"opt","sentiment":"neutral","sentiment_score":0.17749112844467163},{"word":"in","start":958.47003,"end":958.71,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15761145949363708},{"word":"form","start":958.71,"end":958.95,"confidence":0.99316406,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.16988329589366913},{"word":"applied","start":958.95,"end":959.19,"confidence":0.9892578,"punctuated_word":"applied","sentiment":"neutral","sentiment_score":0.2086567729711533},{"word":"as","start":959.19,"end":959.35004,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17433007061481476},{"word":"well","start":959.35004,"end":959.59,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.16612516343593595},{"word":"just","start":959.59,"end":959.75,"confidence":0.5371094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18429754674434665},{"word":"as","start":959.75,"end":959.91003,"confidence":0.9902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15492871403694153},{"word":"a","start":959.91003,"end":960.07,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1548396348953247},{"word":"secondary","start":960.07,"end":960.57,"confidence":1.0,"punctuated_word":"secondary","sentiment":"neutral","sentiment_score":0.16279205679893494},{"word":"backup","start":960.71,"end":960.95,"confidence":0.9326172,"punctuated_word":"backup","sentiment":"neutral","sentiment_score":0.125105082988739},{"word":"in","start":960.95,"end":961.19,"confidence":0.97802734,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17937034368515015},{"word":"case","start":961.19,"end":961.43005,"confidence":1.0,"punctuated_word":"case","sentiment":"neutral","sentiment_score":0.1456799954175949},{"word":"you","start":961.43005,"end":961.59,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11487902700901031},{"word":"are","start":961.59,"end":961.83,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06679932773113251},{"word":"off","start":961.83,"end":961.99005,"confidence":0.95947266,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.045853450894355774},{"word":"work","start":961.99005,"end":962.15,"confidence":0.9970703,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.04330580309033394},{"word":"for","start":962.15,"end":962.31006,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04647797346115112},{"word":"any","start":962.31006,"end":962.55005,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.09447554498910904},{"word":"period","start":962.55005,"end":962.79004,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.06285542994737625},{"word":"of","start":962.79004,"end":962.87006,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07065369933843613},{"word":"time","start":962.87006,"end":963.11005,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.08430387079715729},{"word":"and","start":963.11005,"end":963.19,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07073129713535309},{"word":"not","start":963.19,"end":963.43005,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.13437753915786743},{"word":"receiving","start":963.43005,"end":963.91003,"confidence":0.9970703,"punctuated_word":"receiving","sentiment":"neutral","sentiment_score":0.04826144129037857},{"word":"contributions","start":963.91003,"end":964.41003,"confidence":0.9863281,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.07472898066043854},{"word":"just","start":964.55005,"end":964.79004,"confidence":0.7626953,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11118446290493011},{"word":"to","start":964.79004,"end":964.95,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11402428150177002},{"word":"make","start":964.95,"end":965.03,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11931774020195007},{"word":"sure","start":965.03,"end":965.27,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1410869061946869},{"word":"everything","start":965.27,"end":965.75,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.15222947299480438},{"word":"stays","start":965.75,"end":966.07,"confidence":0.99316406,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":0.13240903615951538},{"word":"in","start":966.07,"end":966.23004,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12940333783626556},{"word":"place","start":966.23004,"end":966.47003,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.138614684343338},{"word":"insurance","start":966.47003,"end":966.95,"confidence":0.9135742,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.09101228415966034},{"word":"wise","start":966.95,"end":967.45,"confidence":0.9074707,"punctuated_word":"wise.","sentiment":"neutral","sentiment_score":0.11783316731452942},{"word":"and","start":968.15,"end":968.31006,"confidence":0.95410156,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2531404495239258},{"word":"we'll","start":968.31006,"end":968.55005,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.26023924350738525},{"word":"keep","start":968.55005,"end":968.79004,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2992855906486511},{"word":"reviewing","start":968.79004,"end":969.19,"confidence":1.0,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.20083066821098328},{"word":"that","start":969.19,"end":969.43005,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2829362750053406},{"word":"with","start":969.43005,"end":969.59,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2832344174385071},{"word":"you","start":969.59,"end":969.75,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2968388497829437},{"word":"moving","start":969.75,"end":970.15,"confidence":0.98291016,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.32367098331451416},{"word":"forward","start":970.15,"end":970.47003,"confidence":0.99902344,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.3192845284938812},{"word":"just","start":970.47003,"end":970.71,"confidence":0.9716797,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.33429503440856934},{"word":"to","start":970.71,"end":970.87006,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2884924113750458},{"word":"sort","start":970.87006,"end":971.03,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2984476387500763},{"word":"of","start":971.03,"end":971.19,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29838860034942627},{"word":"make","start":971.19,"end":971.35004,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.27429845929145813},{"word":"sure","start":971.35004,"end":971.67004,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.308899462223053},{"word":"things","start":971.67004,"end":971.99005,"confidence":0.97802734,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.3888004124164582},{"word":"are","start":971.99005,"end":972.315,"confidence":0.9013672,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3454051911830902},{"word":"key","start":972.635,"end":972.795,"confidence":0.6123047,"punctuated_word":"key","sentiment":"neutral","sentiment_score":0.2748464047908783},{"word":"tracking","start":972.955,"end":973.455,"confidence":0.7565918,"punctuated_word":"tracking,","sentiment":"neutral","sentiment_score":0.3177231252193451},{"word":"that","start":973.515,"end":973.675,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4191496968269348},{"word":"everything","start":973.675,"end":974.075,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.45744556188583374},{"word":"is","start":974.075,"end":974.235,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3850390613079071},{"word":"working","start":974.235,"end":974.635,"confidence":1.0,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.39917418360710144},{"word":"really","start":974.635,"end":974.875,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4471056461334229},{"word":"well","start":974.875,"end":975.195,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.3985180258750915},{"word":"for","start":975.195,"end":975.355,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.39387691020965576},{"word":"you","start":975.355,"end":975.855,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2649262845516205},{"word":"the","start":976.395,"end":976.715,"confidence":0.70947266,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.21724125742912292},{"word":"other","start":976.715,"end":977.035,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.20940157771110535},{"word":"thing","start":977.035,"end":977.275,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.22750148177146912},{"word":"i","start":977.275,"end":977.435,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1478920876979828},{"word":"did","start":977.435,"end":977.675,"confidence":0.9951172,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.16578271985054016},{"word":"kind","start":977.675,"end":977.835,"confidence":0.8852539,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.20689958333969116},{"word":"of","start":977.835,"end":977.995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13121481239795685},{"word":"wanna","start":977.995,"end":978.395,"confidence":0.94384766,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.15224787592887878},{"word":"just","start":978.395,"end":978.715,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18213073909282684},{"word":"make","start":978.715,"end":978.955,"confidence":0.98291016,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.13842971622943878},{"word":"sure","start":978.955,"end":979.355,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1707865744829178},{"word":"that","start":979.355,"end":979.59503,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17753945291042328},{"word":"we","start":979.59503,"end":979.835,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16370519995689392},{"word":"had","start":979.835,"end":980.075,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.11448579281568529},{"word":"in","start":980.075,"end":980.235,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1034001037478447},{"word":"line","start":980.235,"end":980.555,"confidence":0.99121094,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.1834917962551117},{"word":"there","start":980.555,"end":980.795,"confidence":0.74316406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1869741678237915},{"word":"was","start":980.795,"end":981.115,"confidence":0.9902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.135552778840065},{"word":"a","start":981.115,"end":981.195,"confidence":0.6040039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1748766154050827},{"word":"brand","start":981.195,"end":981.515,"confidence":0.6933594,"punctuated_word":"brand","sentiment":"neutral","sentiment_score":0.07932009547948837},{"word":"new","start":981.515,"end":981.675,"confidence":0.95410156,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.1371234655380249},{"word":"beneficiaries","start":981.675,"end":982.175,"confidence":0.9370117,"punctuated_word":"beneficiaries.","sentiment":"neutral","sentiment_score":0.11304372549057008},{"word":"obviously","start":982.235,"end":982.635,"confidence":0.9980469,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.05984457582235336},{"word":"we","start":982.635,"end":982.795,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08762581646442413},{"word":"haven't","start":982.795,"end":983.035,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.05381345748901367},{"word":"scoped","start":983.035,"end":983.435,"confidence":0.9875488,"punctuated_word":"scoped","sentiment":"neutral","sentiment_score":0.057852283120155334},{"word":"this","start":983.435,"end":983.59503,"confidence":0.95703125,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0840991660952568},{"word":"into","start":983.59503,"end":983.835,"confidence":0.8691406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0678543895483017},{"word":"the","start":983.835,"end":983.995,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08884797990322113},{"word":"full","start":983.995,"end":984.235,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.09572052210569382},{"word":"extent","start":984.235,"end":984.735,"confidence":0.8469238,"punctuated_word":"extent,","sentiment":"neutral","sentiment_score":0.06782332062721252},{"word":"but","start":985.08,"end":985.4,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.056390199810266495},{"word":"one","start":985.4,"end":985.64,"confidence":0.9941406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06426234543323517},{"word":"of","start":985.64,"end":985.72003,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08013290911912918},{"word":"the","start":985.72003,"end":985.80005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06989595293998718},{"word":"things","start":985.80005,"end":986.04004,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.09045438468456268},{"word":"we","start":986.04004,"end":986.2,"confidence":0.7441406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07635115087032318},{"word":"sort","start":986.2,"end":986.44,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06028217077255249},{"word":"of","start":986.44,"end":986.52,"confidence":0.6694336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06395456194877625},{"word":"want","start":986.52,"end":986.68005,"confidence":0.90722656,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.07520821690559387},{"word":"to","start":986.68005,"end":986.76,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06990024447441101},{"word":"look","start":986.76,"end":986.92004,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07240994274616241},{"word":"at","start":986.92004,"end":987.16003,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07595893740653992},{"word":"when","start":987.16003,"end":987.4,"confidence":0.95947266,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.06573563069105148},{"word":"we","start":987.4,"end":987.48004,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07327166199684143},{"word":"spoke","start":987.48004,"end":987.80005,"confidence":0.99902344,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.06916540861129761},{"word":"last","start":987.80005,"end":988.04004,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.05332333594560623},{"word":"time","start":988.04004,"end":988.52,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07043599337339401},{"word":"was","start":988.52,"end":988.84,"confidence":0.9760742,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.07133148610591888},{"word":"that","start":988.84,"end":989.0,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0929868221282959},{"word":"you","start":989.0,"end":989.24005,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07404676079750061},{"word":"had","start":989.24005,"end":989.48004,"confidence":0.94921875,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.061537884175777435},{"word":"your","start":989.48004,"end":989.72003,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04575354233384133},{"word":"beneficiaries","start":989.72003,"end":990.22003,"confidence":0.5444336,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.05034205690026283},{"word":"split","start":990.60004,"end":990.92004,"confidence":0.9819336,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.07826119661331177},{"word":"a","start":990.92004,"end":991.0,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04772213473916054},{"word":"little","start":991.0,"end":991.16003,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.04577513411641121},{"word":"bit","start":991.16003,"end":991.66003,"confidence":0.99853516,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.055360183119773865},{"word":"you","start":992.60004,"end":992.76,"confidence":0.78564453,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07107119262218475},{"word":"wanted","start":992.76,"end":993.16003,"confidence":0.8198242,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.07950905710458755},{"word":"to","start":993.16003,"end":993.32,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10538969188928604},{"word":"kind","start":993.32,"end":993.56,"confidence":0.9277344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11068209260702132},{"word":"of","start":993.56,"end":993.72003,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11357921361923218},{"word":"have","start":993.72003,"end":994.22003,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09039821475744247},{"word":"your","start":994.36005,"end":994.86005,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09077133983373642},{"word":"spouse","start":994.92004,"end":995.42004,"confidence":1.0,"punctuated_word":"spouse","sentiment":"neutral","sentiment_score":0.1623355746269226},{"word":"receive","start":995.56,"end":996.04004,"confidence":0.9448242,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.11885806918144226},{"word":"40%","start":996.04004,"end":996.76,"confidence":1.0,"punctuated_word":"40%","sentiment":"neutral","sentiment_score":0.11498060822486876},{"word":"of","start":996.76,"end":996.92004,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1362665444612503},{"word":"the","start":996.92004,"end":997.08,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12189020216464996},{"word":"beneficiary","start":997.08,"end":997.58,"confidence":0.9658203,"punctuated_word":"beneficiary,","sentiment":"neutral","sentiment_score":0.1300194263458252},{"word":"but","start":998.255,"end":998.415,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.09280173480510712},{"word":"then","start":998.415,"end":998.575,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10373483598232268},{"word":"you","start":998.575,"end":998.815,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12125874310731888},{"word":"also","start":998.815,"end":999.21497,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08796332776546478},{"word":"wanted","start":999.21497,"end":999.615,"confidence":0.99902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.10292702168226242},{"word":"to","start":999.615,"end":999.77496,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10742969065904616},{"word":"have","start":999.77496,"end":1000.095,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10300920903682707},{"word":"a","start":1000.095,"end":1000.175,"confidence":0.7705078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11538627743721008},{"word":"60%","start":1000.175,"end":1001.055,"confidence":0.9995117,"punctuated_word":"60%","sentiment":"neutral","sentiment_score":0.10278625786304474},{"word":"directed","start":1001.055,"end":1001.535,"confidence":0.99609375,"punctuated_word":"directed","sentiment":"neutral","sentiment_score":0.1330118477344513},{"word":"to","start":1001.535,"end":1001.695,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10722143203020096},{"word":"your","start":1001.695,"end":1002.015,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10554377734661102},{"word":"children","start":1002.015,"end":1002.515,"confidence":0.7883301,"punctuated_word":"children.","sentiment":"neutral","sentiment_score":0.05589526146650314},{"word":"and","start":1002.975,"end":1003.21497,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06885216385126114},{"word":"your","start":1003.21497,"end":1003.375,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06174786388874054},{"word":"children","start":1003.375,"end":1003.77496,"confidence":1.0,"punctuated_word":"children","sentiment":"neutral","sentiment_score":0.07806728780269623},{"word":"are","start":1003.77496,"end":1004.015,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07879724353551865},{"word":"adults","start":1004.015,"end":1004.415,"confidence":0.9970703,"punctuated_word":"adults.","sentiment":"neutral","sentiment_score":0.0987626314163208},{"word":"is","start":1004.415,"end":1004.575,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.09538719058036804},{"word":"that","start":1004.575,"end":1004.735,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1289786845445633},{"word":"correct","start":1004.735,"end":1005.235,"confidence":1.0,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.10340914130210876},{"word":"yep","start":1006.495,"end":1006.815,"confidence":0.8430176,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.40096089243888855},{"word":"beautiful","start":1006.815,"end":1007.315,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6830017566680908},{"word":"so","start":1007.375,"end":1007.535,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.40640193223953247},{"word":"i","start":1007.535,"end":1007.695,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3659360706806183},{"word":"have","start":1007.695,"end":1007.855,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3223976492881775},{"word":"made","start":1007.855,"end":1008.015,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.27440017461776733},{"word":"a","start":1008.015,"end":1008.175,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3199175000190735},{"word":"little","start":1008.175,"end":1008.33496,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.17152345180511477},{"word":"bit","start":1008.33496,"end":1008.495,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20220476388931272},{"word":"of","start":1008.495,"end":1008.575,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21759340167045593},{"word":"an","start":1008.575,"end":1008.735,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.20419299602508545},{"word":"extra","start":1008.735,"end":1008.975,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.1568167358636856},{"word":"provision","start":1008.975,"end":1009.455,"confidence":1.0,"punctuated_word":"provision","sentiment":"neutral","sentiment_score":0.15636219084262848},{"word":"in","start":1009.455,"end":1009.615,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1373288631439209},{"word":"the","start":1009.615,"end":1009.855,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19305939972400665},{"word":"back","start":1009.855,"end":1010.095,"confidence":0.9589844,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.15345656871795654},{"word":"in","start":1010.095,"end":1010.255,"confidence":0.71972656,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1431712657213211},{"word":"here","start":1010.255,"end":1010.73,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.161486878991127},{"word":"that","start":1010.97,"end":1011.20996,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11959123611450195},{"word":"with","start":1011.20996,"end":1011.52997,"confidence":0.9667969,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12479595839977264},{"word":"the","start":1011.52997,"end":1011.85,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14397451281547546},{"word":"beneficiaries","start":1011.85,"end":1012.35,"confidence":0.98583984,"punctuated_word":"beneficiaries,","sentiment":"neutral","sentiment_score":0.11915625631809236},{"word":"we","start":1012.49,"end":1012.73,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15956148505210876},{"word":"actually","start":1012.73,"end":1013.13,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.16656480729579926},{"word":"redo","start":1013.13,"end":1013.52997,"confidence":0.9995117,"punctuated_word":"redo","sentiment":"neutral","sentiment_score":0.09143009036779404},{"word":"them","start":1013.52997,"end":1013.76996,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.11048617959022522},{"word":"and","start":1013.76996,"end":1014.01,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07144448161125183},{"word":"split","start":1014.01,"end":1014.32996,"confidence":1.0,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.10982657223939896},{"word":"them","start":1014.32996,"end":1014.57,"confidence":0.99658203,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.09837937355041504},{"word":"so","start":1014.57,"end":1015.07,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09408605843782424},{"word":"we","start":1015.37,"end":1015.76996,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0940207690000534},{"word":"apply","start":1015.76996,"end":1016.08997,"confidence":0.6738281,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.10464239120483398},{"word":"a","start":1016.08997,"end":1016.32996,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13422980904579165},{"word":"binding","start":1016.32996,"end":1016.81,"confidence":0.99902344,"punctuated_word":"binding","sentiment":"neutral","sentiment_score":0.08855420351028442},{"word":"non","start":1016.81,"end":1017.13,"confidence":0.3840332,"punctuated_word":"non","sentiment":"neutral","sentiment_score":0.0669889897108078},{"word":"lapsing","start":1017.13,"end":1017.52997,"confidence":0.9055176,"punctuated_word":"lapsing","sentiment":"neutral","sentiment_score":0.06440193951129913},{"word":"beneficiary","start":1017.52997,"end":1018.02997,"confidence":0.9951172,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.08728879690170288},{"word":"to","start":1018.17,"end":1018.32996,"confidence":0.9741211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1002560555934906},{"word":"hub","start":1018.32996,"end":1018.57,"confidence":0.6871338,"punctuated_word":"HUB","sentiment":"neutral","sentiment_score":0.0864657312631607},{"word":"24","start":1018.57,"end":1019.13,"confidence":0.94873047,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.08702180534601212},{"word":"and","start":1019.13,"end":1019.29,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07301482558250427},{"word":"binding","start":1019.29,"end":1019.69,"confidence":1.0,"punctuated_word":"binding","sentiment":"neutral","sentiment_score":0.05235753953456879},{"word":"lapsing","start":1019.69,"end":1020.08997,"confidence":0.9995117,"punctuated_word":"lapsing","sentiment":"neutral","sentiment_score":0.09678085893392564},{"word":"into","start":1020.08997,"end":1020.49,"confidence":0.9941406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.06783154606819153},{"word":"mlc","start":1020.49,"end":1020.99,"confidence":0.9868164,"punctuated_word":"MLC.","sentiment":"neutral","sentiment_score":0.07069438695907593},{"word":"however","start":1021.13,"end":1021.63,"confidence":0.99853516,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.017050720751285553},{"word":"because","start":1022.08997,"end":1022.49,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.01278369128704071},{"word":"of","start":1022.49,"end":1022.57,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0034299418330192566},{"word":"the","start":1022.57,"end":1022.73,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005771413445472717},{"word":"tax","start":1022.73,"end":1022.955,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.029814667999744415},{"word":"consequences","start":1023.275,"end":1023.775,"confidence":0.99902344,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":-0.1107039824128151},{"word":"with","start":1023.835,"end":1023.995,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0415399968624115},{"word":"the","start":1023.995,"end":1024.155,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00962773710489273},{"word":"way","start":1024.155,"end":1024.395,"confidence":0.99609375,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.0067687928676605225},{"word":"the","start":1024.395,"end":1024.635,"confidence":0.56396484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01294531673192978},{"word":"beneficiaries","start":1024.635,"end":1025.135,"confidence":0.9902344,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":-0.02990042418241501},{"word":"work","start":1025.435,"end":1025.675,"confidence":0.98291016,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.03408242017030716},{"word":"so","start":1025.835,"end":1025.995,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.049880191683769226},{"word":"if","start":1025.995,"end":1026.155,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08733217418193817},{"word":"you","start":1026.155,"end":1026.3151,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09760042279958724},{"word":"were","start":1026.3151,"end":1026.475,"confidence":0.9350586,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.08498086035251617},{"word":"to","start":1026.475,"end":1026.635,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03835917264223099},{"word":"pass","start":1026.635,"end":1026.9551,"confidence":0.98535156,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.05831165611743927},{"word":"away","start":1026.9551,"end":1027.4551,"confidence":0.9975586,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":0.03853770345449448},{"word":"your","start":1027.595,"end":1027.835,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1515006721019745},{"word":"spouse","start":1027.835,"end":1028.155,"confidence":0.95703125,"punctuated_word":"spouse","sentiment":"neutral","sentiment_score":0.1984729170799255},{"word":"receives","start":1028.155,"end":1028.555,"confidence":0.8881836,"punctuated_word":"receives","sentiment":"neutral","sentiment_score":0.2264514118432999},{"word":"that","start":1028.555,"end":1028.715,"confidence":0.97802734,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2252545654773712},{"word":"40%","start":1028.715,"end":1029.435,"confidence":1.0,"punctuated_word":"40%","sentiment":"neutral","sentiment_score":0.2790753245353699},{"word":"completely","start":1029.435,"end":1029.935,"confidence":0.99609375,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.2529609799385071},{"word":"tax","start":1029.995,"end":1030.3151,"confidence":1.0,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.3563733696937561},{"word":"free","start":1030.3151,"end":1030.795,"confidence":0.9909668,"punctuated_word":"free.","sentiment":"neutral","sentiment_score":0.17221716046333313},{"word":"however","start":1030.795,"end":1031.295,"confidence":0.9995117,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.06431614607572556},{"word":"your","start":1031.595,"end":1031.835,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07708130031824112},{"word":"children","start":1031.835,"end":1032.335,"confidence":1.0,"punctuated_word":"children","sentiment":"neutral","sentiment_score":0.08444130420684814},{"word":"would","start":1032.395,"end":1032.555,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.09919770061969756},{"word":"actually","start":1032.555,"end":1032.9551,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.10605211555957794},{"word":"receive","start":1032.9551,"end":1033.355,"confidence":0.9980469,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.11254217475652696},{"word":"the","start":1033.355,"end":1033.515,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14395177364349365},{"word":"benefit","start":1033.515,"end":1033.995,"confidence":0.8581543,"punctuated_word":"benefit,","sentiment":"neutral","sentiment_score":0.18073886632919312},{"word":"and","start":1033.995,"end":1034.155,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13864967226982117},{"word":"they","start":1034.155,"end":1034.235,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1447531282901764},{"word":"would","start":1034.235,"end":1034.475,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0822441503405571},{"word":"have","start":1034.475,"end":1034.635,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07265506684780121},{"word":"to","start":1034.635,"end":1034.795,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09388037770986556},{"word":"they","start":1034.9551,"end":1035.115,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.11821092665195464},{"word":"would","start":1035.115,"end":1035.515,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07318511605262756},{"word":"actually","start":1035.515,"end":1035.915,"confidence":0.9921875,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.07819019258022308},{"word":"pay","start":1035.915,"end":1036.155,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.0500614196062088},{"word":"tax","start":1036.155,"end":1036.475,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.08630624413490295},{"word":"on","start":1036.475,"end":1036.635,"confidence":0.9716797,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04338407516479492},{"word":"that","start":1036.635,"end":1036.795,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07966028898954391},{"word":"benefit","start":1036.795,"end":1037.295,"confidence":0.99560547,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.06540516763925552},{"word":"so","start":1037.79,"end":1038.29,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.035142526030540466},{"word":"because","start":1038.5901,"end":1038.8301,"confidence":0.6328125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.01920742727816105},{"word":"they're","start":1038.8301,"end":1039.3301,"confidence":0.9382324,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.01207359042018652},{"word":"because","start":1039.55,"end":1039.9501,"confidence":0.44677734,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.006769351661205292},{"word":"they're","start":1039.9501,"end":1040.1901,"confidence":0.9980469,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.014857372269034386},{"word":"over","start":1040.1901,"end":1040.51,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.0005487799644470215},{"word":"18","start":1040.51,"end":1040.91,"confidence":0.9921875,"punctuated_word":"18,","sentiment":"neutral","sentiment_score":-0.025144293904304504},{"word":"unfortunately","start":1040.91,"end":1041.41,"confidence":0.9807129,"punctuated_word":"unfortunately,","sentiment":"neutral","sentiment_score":-0.08576584607362747},{"word":"they","start":1041.63,"end":1041.7101,"confidence":0.87353516,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.08995042741298676},{"word":"see","start":1041.7101,"end":1041.9501,"confidence":0.9863281,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.1206596866250038},{"word":"it's","start":1041.9501,"end":1042.1101,"confidence":0.6677246,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.06939561665058136},{"word":"coming","start":1042.1101,"end":1042.43,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.0787821114063263},{"word":"everywhere","start":1042.43,"end":1042.93,"confidence":0.9152832,"punctuated_word":"everywhere.","sentiment":"neutral","sentiment_score":-0.008341101929545403},{"word":"but","start":1043.4701,"end":1043.7101,"confidence":0.94140625,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.010747089982032776},{"word":"being","start":1043.7101,"end":1044.1101,"confidence":0.9921875,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.04327109456062317},{"word":"nontax","start":1044.1101,"end":1044.6101,"confidence":0.744751,"punctuated_word":"nontax","sentiment":"neutral","sentiment_score":-0.06992470473051071},{"word":"dependent","start":1044.75,"end":1045.25,"confidence":0.99365234,"punctuated_word":"dependent,","sentiment":"neutral","sentiment_score":-0.038896676152944565},{"word":"your","start":1045.31,"end":1045.55,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1426391452550888},{"word":"children","start":1045.55,"end":1045.87,"confidence":1.0,"punctuated_word":"children","sentiment":"neutral","sentiment_score":-0.11601481586694716},{"word":"would","start":1045.87,"end":1046.03,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08844081312417984},{"word":"have","start":1046.03,"end":1046.27,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04064777493476868},{"word":"to","start":1046.27,"end":1046.3501,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.022589951753616333},{"word":"pay","start":1046.3501,"end":1046.5901,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.04340470582246781},{"word":"tax","start":1046.5901,"end":1046.8301,"confidence":0.9951172,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.007300302386283875},{"word":"on","start":1046.8301,"end":1046.99,"confidence":0.89208984,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.007749289274215698},{"word":"that","start":1046.99,"end":1047.15,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.004337497055530548},{"word":"benefit","start":1047.15,"end":1047.65,"confidence":0.9719238,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.004498455673456192},{"word":"so","start":1047.7101,"end":1047.87,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0558246374130249},{"word":"what","start":1047.87,"end":1048.03,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0939902365207672},{"word":"i've","start":1048.03,"end":1048.1901,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.13661503791809082},{"word":"done","start":1048.1901,"end":1048.51,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.1648782193660736},{"word":"to","start":1048.51,"end":1048.67,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13033291697502136},{"word":"make","start":1048.67,"end":1048.91,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1097928136587143},{"word":"alter","start":1048.99,"end":1049.31,"confidence":0.7207031,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":0.14979034662246704},{"word":"the","start":1049.31,"end":1049.4701,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14879685640335083},{"word":"recommendation","start":1049.4701,"end":1049.9701,"confidence":0.99609375,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.14396725594997406},{"word":"to","start":1050.1101,"end":1050.27,"confidence":0.9760742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1344793736934662},{"word":"make","start":1050.27,"end":1050.43,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.13477270305156708},{"word":"it","start":1050.43,"end":1050.5901,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1639547049999237},{"word":"more","start":1050.5901,"end":1050.75,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.16974709928035736},{"word":"tax","start":1050.75,"end":1051.0701,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.3450019955635071},{"word":"effective","start":1051.0701,"end":1051.5701,"confidence":1.0,"punctuated_word":"effective","sentiment":"neutral","sentiment_score":0.1946573406457901},{"word":"is","start":1052.0549,"end":1052.2949,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15367615222930908},{"word":"that","start":1052.2949,"end":1052.5349,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12019366025924684},{"word":"in","start":1052.5349,"end":1052.7749,"confidence":0.96875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12679967284202576},{"word":"both","start":1052.7749,"end":1053.0149,"confidence":0.99902344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.1564578115940094},{"word":"the","start":1053.0149,"end":1053.1749,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1549883484840393},{"word":"super","start":1053.1749,"end":1053.495,"confidence":0.91259766,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1903679221868515},{"word":"funds","start":1053.495,"end":1053.815,"confidence":0.94433594,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.1541033685207367},{"word":"we","start":1053.815,"end":1054.1349,"confidence":0.9716797,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1697653830051422},{"word":"still","start":1054.1349,"end":1054.455,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.12165271490812302},{"word":"nominate","start":1054.455,"end":1054.955,"confidence":0.99902344,"punctuated_word":"nominate","sentiment":"neutral","sentiment_score":0.11517754942178726},{"word":"40%","start":1055.335,"end":1056.0549,"confidence":0.9472656,"punctuated_word":"40%","sentiment":"neutral","sentiment_score":0.1287684440612793},{"word":"to","start":1056.0549,"end":1056.1349,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12794914841651917},{"word":"go","start":1056.1349,"end":1056.375,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.21349500119686127},{"word":"to","start":1056.375,"end":1056.5349,"confidence":0.7636719,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15137207508087158},{"word":"your","start":1056.5349,"end":1056.855,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09827767312526704},{"word":"spouse","start":1056.855,"end":1057.355,"confidence":0.9880371,"punctuated_word":"spouse.","sentiment":"neutral","sentiment_score":0.13474801182746887},{"word":"that's","start":1057.495,"end":1057.8949,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3882265090942383},{"word":"absolutely","start":1057.8949,"end":1058.375,"confidence":0.98535156,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.4052302837371826},{"word":"fine","start":1058.375,"end":1058.875,"confidence":0.97265625,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2413044571876526},{"word":"but","start":1058.9349,"end":1059.1749,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1762944459915161},{"word":"then","start":1059.1749,"end":1059.335,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0845758467912674},{"word":"with","start":1059.335,"end":1059.575,"confidence":0.98828125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06692375242710114},{"word":"the","start":1059.575,"end":1059.6549,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08683648705482483},{"word":"other","start":1059.6549,"end":1059.975,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0570182278752327},{"word":"60%","start":1059.975,"end":1060.695,"confidence":0.99560547,"punctuated_word":"60%,","sentiment":"neutral","sentiment_score":0.08669210970401764},{"word":"we","start":1060.695,"end":1060.855,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14566092193126678},{"word":"actually","start":1060.855,"end":1061.1749,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1953417062759399},{"word":"nominate","start":1061.1749,"end":1061.6749,"confidence":1.0,"punctuated_word":"nominate","sentiment":"neutral","sentiment_score":0.11870148777961732},{"word":"that","start":1061.735,"end":1062.1349,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12813061475753784},{"word":"to","start":1062.1349,"end":1062.215,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0912291780114174},{"word":"go","start":1062.215,"end":1062.455,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.16250383853912354},{"word":"to","start":1062.455,"end":1062.5349,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1186530739068985},{"word":"your","start":1062.5349,"end":1062.7749,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06728740781545639},{"word":"legal","start":1062.7749,"end":1063.1749,"confidence":1.0,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.07260733842849731},{"word":"personal","start":1063.1749,"end":1063.6749,"confidence":0.95947266,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.04092687368392944},{"word":"representative","start":1063.735,"end":1064.235,"confidence":0.9995117,"punctuated_word":"representative.","sentiment":"neutral","sentiment_score":0.08905540406703949},{"word":"that","start":1064.455,"end":1064.615,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.10409765690565108},{"word":"means","start":1064.615,"end":1064.9349,"confidence":0.99902344,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.09292102605104446},{"word":"that","start":1064.9349,"end":1065.095,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13203732669353485},{"word":"if","start":1065.095,"end":1065.2549,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13138028979301453},{"word":"you","start":1065.2549,"end":1065.4149,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0916581004858017},{"word":"pass","start":1065.4149,"end":1065.735,"confidence":0.9194336,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.03570035099983215},{"word":"away","start":1065.735,"end":1066.235,"confidence":0.9995117,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":0.052420929074287415},{"word":"the","start":1066.37,"end":1066.53,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08829541504383087},{"word":"portion","start":1066.53,"end":1066.77,"confidence":1.0,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.09724093228578568},{"word":"that's","start":1066.77,"end":1067.01,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.12885618209838867},{"word":"meant","start":1067.01,"end":1067.3301,"confidence":1.0,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":0.10951101779937744},{"word":"to","start":1067.3301,"end":1067.41,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1374702900648117},{"word":"go","start":1067.41,"end":1067.5701,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.23018670082092285},{"word":"to","start":1067.5701,"end":1067.73,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21543462574481964},{"word":"your","start":1067.73,"end":1067.9701,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12512564659118652},{"word":"children","start":1067.9701,"end":1068.4501,"confidence":1.0,"punctuated_word":"children","sentiment":"neutral","sentiment_score":0.11794346570968628},{"word":"would","start":1068.4501,"end":1068.6901,"confidence":0.9941406,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2080706357955933},{"word":"go","start":1068.6901,"end":1068.8501,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.28226926922798157},{"word":"to","start":1068.8501,"end":1069.0901,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2300016283988953},{"word":"your","start":1069.0901,"end":1069.25,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12719368934631348},{"word":"will","start":1069.25,"end":1069.75,"confidence":0.99902344,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.1447218656539917},{"word":"you","start":1069.89,"end":1070.13,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.11727549880743028},{"word":"then","start":1070.13,"end":1070.29,"confidence":0.99316406,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16726461052894592},{"word":"just","start":1070.29,"end":1070.53,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16577208042144775},{"word":"need","start":1070.53,"end":1070.77,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1858193278312683},{"word":"to","start":1070.77,"end":1070.8501,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1485188901424408},{"word":"have","start":1070.8501,"end":1071.0901,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14132419228553772},{"word":"a","start":1071.0901,"end":1071.17,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17297542095184326},{"word":"will","start":1071.17,"end":1071.41,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.12507441639900208},{"word":"in","start":1071.41,"end":1071.5701,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13526128232479095},{"word":"place","start":1071.5701,"end":1072.05,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.17926427721977234},{"word":"that","start":1072.05,"end":1072.29,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20955583453178409},{"word":"allocates","start":1072.29,"end":1072.79,"confidence":0.9604492,"punctuated_word":"allocates","sentiment":"neutral","sentiment_score":0.1714421808719635},{"word":"that","start":1072.8501,"end":1073.0901,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.180649071931839},{"word":"money","start":1073.0901,"end":1073.49,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.13182424008846283},{"word":"however","start":1073.49,"end":1073.9701,"confidence":0.9291992,"punctuated_word":"however","sentiment":"neutral","sentiment_score":0.19168290495872495},{"word":"you","start":1073.9701,"end":1074.2101,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16515898704528809},{"word":"wanted","start":1074.2101,"end":1074.61,"confidence":0.58447266,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.12525823712348938},{"word":"to","start":1074.61,"end":1075.11,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17267370223999023},{"word":"to","start":1075.3301,"end":1075.49,"confidence":0.9453125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19206008315086365},{"word":"your","start":1075.49,"end":1075.73,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12038150429725648},{"word":"children","start":1075.73,"end":1076.23,"confidence":0.9135742,"punctuated_word":"children,","sentiment":"neutral","sentiment_score":0.13037109375},{"word":"and","start":1076.29,"end":1076.4501,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12751883268356323},{"word":"then","start":1076.4501,"end":1076.6901,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1265602856874466},{"word":"it","start":1076.6901,"end":1076.77,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15061309933662417},{"word":"gets","start":1076.77,"end":1077.0901,"confidence":0.99902344,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.10821017622947691},{"word":"paid","start":1077.0901,"end":1077.3301,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.11875157803297044},{"word":"out","start":1077.3301,"end":1077.8301,"confidence":0.9995117,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.09862533211708067},{"word":"there","start":1077.9701,"end":1078.2101,"confidence":0.9951172,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.06406863033771515},{"word":"still","start":1078.2101,"end":1078.61,"confidence":0.84228516,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0819508507847786},{"word":"are","start":1078.61,"end":1078.77,"confidence":0.99316406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07717838138341904},{"word":"tax","start":1078.77,"end":1079.025,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1161641851067543},{"word":"consequences","start":1079.345,"end":1079.8251,"confidence":0.98291016,"punctuated_word":"consequences,","sentiment":"neutral","sentiment_score":0.0352269746363163},{"word":"but","start":1079.8251,"end":1080.0651,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.12918654084205627},{"word":"it","start":1080.0651,"end":1080.305,"confidence":0.95410156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14408361911773682},{"word":"helps","start":1080.305,"end":1080.7051,"confidence":0.93847656,"punctuated_word":"helps","sentiment":"neutral","sentiment_score":0.15103450417518616},{"word":"to","start":1080.7051,"end":1080.9451,"confidence":0.96240234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1031605899333954},{"word":"minimize","start":1080.9451,"end":1081.4451,"confidence":1.0,"punctuated_word":"minimize","sentiment":"neutral","sentiment_score":0.1010131910443306},{"word":"or","start":1081.5851,"end":1081.8251,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0923176109790802},{"word":"reduce","start":1081.8251,"end":1082.305,"confidence":0.9970703,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.019507095217704773},{"word":"some","start":1082.305,"end":1082.465,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10994814336299896},{"word":"of","start":1082.465,"end":1082.545,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0729343593120575},{"word":"the","start":1082.545,"end":1082.785,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05617570877075195},{"word":"tax","start":1082.785,"end":1083.105,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.022670790553092957},{"word":"payables","start":1083.105,"end":1083.5851,"confidence":0.85913086,"punctuated_word":"payables","sentiment":"neutral","sentiment_score":0.04939962923526764},{"word":"so","start":1083.5851,"end":1083.745,"confidence":0.74072266,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.16170668601989746},{"word":"they","start":1083.745,"end":1083.905,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2607495188713074},{"word":"end","start":1083.905,"end":1084.145,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.323428213596344},{"word":"up","start":1084.145,"end":1084.305,"confidence":0.9951172,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2650216817855835},{"word":"with","start":1084.305,"end":1084.465,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3348248302936554},{"word":"more","start":1084.465,"end":1084.7051,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2447516918182373},{"word":"of","start":1084.7051,"end":1084.785,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2751278281211853},{"word":"the","start":1084.785,"end":1085.025,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2014106959104538},{"word":"benefit","start":1085.025,"end":1085.505,"confidence":0.9387207,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.2205706536769867},{"word":"does","start":1085.505,"end":1085.665,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.11899620294570924},{"word":"that","start":1085.665,"end":1085.905,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17860166728496552},{"word":"make","start":1085.905,"end":1086.145,"confidence":0.98291016,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1172434538602829},{"word":"sense","start":1086.145,"end":1086.645,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.09777040034532548},{"word":"yeah","start":1088.385,"end":1088.885,"confidence":0.9013672,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.29547083377838135},{"word":"beautiful","start":1088.9451,"end":1089.4451,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5087794661521912},{"word":"so","start":1089.745,"end":1089.905,"confidence":0.9980469,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.373242050409317},{"word":"that's","start":1089.905,"end":1090.225,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.334544837474823},{"word":"essentially","start":1090.225,"end":1090.725,"confidence":0.95947266,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.29591888189315796},{"word":"how","start":1091.025,"end":1091.185,"confidence":0.7260742,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.19172921776771543},{"word":"i've","start":1091.185,"end":1091.505,"confidence":0.91259766,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.26823508739471436},{"word":"altered","start":1091.505,"end":1091.905,"confidence":0.90234375,"punctuated_word":"altered","sentiment":"neutral","sentiment_score":0.2660967707633972},{"word":"that","start":1091.905,"end":1092.0651,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26520827412605286},{"word":"recommendation","start":1092.0651,"end":1092.5651,"confidence":0.9946289,"punctuated_word":"recommendation.","sentiment":"neutral","sentiment_score":0.2261729836463928},{"word":"it's","start":1092.785,"end":1093.025,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.18433819711208344},{"word":"a","start":1093.025,"end":1093.105,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16812261939048767},{"word":"little","start":1093.105,"end":1093.345,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.08502767980098724},{"word":"bit","start":1093.345,"end":1093.505,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.099732406437397},{"word":"more","start":1093.505,"end":1093.665,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05644713342189789},{"word":"complex","start":1093.665,"end":1094.16,"confidence":0.9562988,"punctuated_word":"complex,","sentiment":"neutral","sentiment_score":0.11311575770378111},{"word":"but","start":1094.16,"end":1094.24,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1363939642906189},{"word":"i've","start":1094.24,"end":1094.48,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2455182522535324},{"word":"got","start":1094.48,"end":1094.56,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2801167666912079},{"word":"some","start":1094.56,"end":1094.8,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.23925280570983887},{"word":"details","start":1094.8,"end":1095.3,"confidence":0.99609375,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.22837649285793304},{"word":"in","start":1095.36,"end":1095.4401,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24903494119644165},{"word":"there","start":1095.4401,"end":1095.68,"confidence":0.98535156,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.3154280483722687},{"word":"to","start":1095.68,"end":1095.8401,"confidence":0.97314453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2546071708202362},{"word":"kinda","start":1095.8401,"end":1096.16,"confidence":0.6958008,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.2996230721473694},{"word":"break","start":1096.16,"end":1096.4,"confidence":0.9980469,"punctuated_word":"break","sentiment":"neutral","sentiment_score":0.31987953186035156},{"word":"it","start":1096.4,"end":1096.56,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3634791970252991},{"word":"down","start":1096.56,"end":1096.8,"confidence":1.0,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.3451891839504242},{"word":"for","start":1096.8,"end":1097.04,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.35820716619491577},{"word":"you","start":1097.04,"end":1097.2001,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34049057960510254},{"word":"and","start":1097.2001,"end":1097.36,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28271278738975525},{"word":"to","start":1097.36,"end":1097.4401,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26395776867866516},{"word":"make","start":1097.4401,"end":1097.6,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.3257111608982086},{"word":"it","start":1097.6,"end":1097.76,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.356200248003006},{"word":"a","start":1097.76,"end":1097.8401,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.315845251083374},{"word":"little","start":1097.8401,"end":1098.0,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2601953446865082},{"word":"bit","start":1098.0,"end":1098.16,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2750631868839264},{"word":"easier","start":1098.16,"end":1098.66,"confidence":0.99853516,"punctuated_word":"easier.","sentiment":"neutral","sentiment_score":0.2821527421474457},{"word":"all","start":1099.28,"end":1099.4401,"confidence":0.7739258,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.17526736855506897},{"word":"of","start":1099.4401,"end":1099.6,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18957889080047607},{"word":"the","start":1099.6,"end":1099.76,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19536814093589783},{"word":"recommendations","start":1099.76,"end":1100.26,"confidence":0.99902344,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.18593546748161316},{"word":"are","start":1100.4,"end":1100.64,"confidence":0.94384766,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2271789908409119},{"word":"outlined","start":1100.64,"end":1101.04,"confidence":0.9921875,"punctuated_word":"outlined","sentiment":"neutral","sentiment_score":0.2594757080078125},{"word":"in","start":1101.04,"end":1101.2001,"confidence":0.87353516,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23425188660621643},{"word":"there","start":1101.2001,"end":1101.4401,"confidence":0.9951172,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.28792980313301086},{"word":"for","start":1101.4401,"end":1101.6,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2578325867652893},{"word":"you","start":1101.6,"end":1101.76,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2179255187511444},{"word":"to","start":1101.76,"end":1101.92,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.202608123421669},{"word":"review","start":1101.92,"end":1102.16,"confidence":0.99902344,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.20948708057403564},{"word":"we've","start":1102.16,"end":1102.4,"confidence":0.99902344,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.1950857490301132},{"word":"also","start":1102.4,"end":1102.7201,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.16815795004367828},{"word":"got","start":1102.7201,"end":1102.88,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2455097138881683},{"word":"a","start":1102.88,"end":1103.04,"confidence":0.95166016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1953133195638657},{"word":"best","start":1103.04,"end":1103.28,"confidence":0.99609375,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.16859880089759827},{"word":"interest","start":1103.28,"end":1103.6,"confidence":0.9970703,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.2044183313846588},{"word":"duty","start":1103.6,"end":1103.92,"confidence":0.7062988,"punctuated_word":"duty,","sentiment":"neutral","sentiment_score":0.21737632155418396},{"word":"which","start":1103.92,"end":1104.24,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.18190814554691315},{"word":"relies","start":1104.24,"end":1104.56,"confidence":0.7167969,"punctuated_word":"relies","sentiment":"neutral","sentiment_score":0.17754431068897247},{"word":"it","start":1104.56,"end":1104.7201,"confidence":0.5332031,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18269722163677216},{"word":"oh","start":1104.88,"end":1104.9601,"confidence":0.85595703,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.15344832837581637},{"word":"sorry","start":1104.9601,"end":1105.36,"confidence":0.65527344,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.13138213753700256},{"word":"relates","start":1105.36,"end":1105.76,"confidence":0.90844727,"punctuated_word":"Relates","sentiment":"neutral","sentiment_score":0.18298280239105225},{"word":"it","start":1105.76,"end":1106.0,"confidence":0.9658203,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.24189220368862152},{"word":"back","start":1106.0,"end":1106.16,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.16483820974826813},{"word":"to","start":1106.16,"end":1106.3201,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20247620344161987},{"word":"your","start":1106.3201,"end":1106.56,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.25563710927963257},{"word":"goals","start":1106.56,"end":1106.88,"confidence":0.99902344,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.2075464427471161},{"word":"and","start":1106.88,"end":1107.04,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27744677662849426},{"word":"why","start":1107.04,"end":1107.28,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.2124880850315094},{"word":"we're","start":1107.28,"end":1107.52,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2765654921531677},{"word":"making","start":1107.52,"end":1107.8401,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.3206517696380615},{"word":"those","start":1107.8401,"end":1108.0801,"confidence":1.0,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.385451227426529},{"word":"recommendations","start":1108.0801,"end":1108.5801,"confidence":0.99902344,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.2991054654121399},{"word":"for","start":1108.9601,"end":1109.2001,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28803202509880066},{"word":"you","start":1109.2001,"end":1109.625,"confidence":0.89453125,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2440601885318756},{"word":"and","start":1109.785,"end":1109.945,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1802385151386261},{"word":"then","start":1109.945,"end":1110.105,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.17187467217445374},{"word":"we've","start":1110.105,"end":1110.345,"confidence":0.9980469,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.19344398379325867},{"word":"also","start":1110.345,"end":1110.665,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1428304761648178},{"word":"got","start":1110.665,"end":1110.905,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.23941656947135925},{"word":"some","start":1110.905,"end":1111.225,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.15999294817447662},{"word":"information","start":1111.225,"end":1111.725,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.1428811103105545},{"word":"and","start":1111.945,"end":1112.185,"confidence":0.7792969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14412963390350342},{"word":"the","start":1112.185,"end":1112.345,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18035459518432617},{"word":"recommendations","start":1112.345,"end":1112.845,"confidence":0.99902344,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.20229580998420715},{"word":"around","start":1113.065,"end":1113.305,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.19178277254104617},{"word":"the","start":1113.305,"end":1113.545,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16080307960510254},{"word":"estate","start":1113.545,"end":1113.865,"confidence":0.99609375,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.15314850211143494},{"word":"planning","start":1113.865,"end":1114.365,"confidence":0.91967773,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":0.18240341544151303},{"word":"the","start":1114.665,"end":1114.905,"confidence":0.8413086,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1926579475402832},{"word":"will","start":1114.905,"end":1115.145,"confidence":0.9638672,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.1395380198955536},{"word":"the","start":1115.145,"end":1115.305,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12303262948989868},{"word":"power","start":1115.305,"end":1115.4651,"confidence":0.9980469,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.16223689913749695},{"word":"of","start":1115.4651,"end":1115.625,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1199394315481186},{"word":"attorney","start":1115.625,"end":1116.105,"confidence":0.9951172,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.09187398850917816},{"word":"side","start":1116.105,"end":1116.345,"confidence":0.9921875,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.14509744942188263},{"word":"of","start":1116.345,"end":1116.425,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1702749729156494},{"word":"things","start":1116.425,"end":1116.925,"confidence":0.95874023,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.12658606469631195},{"word":"and","start":1117.065,"end":1117.385,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10159166157245636},{"word":"some","start":1117.385,"end":1117.625,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.0922454595565796},{"word":"advantages","start":1117.625,"end":1118.125,"confidence":0.99316406,"punctuated_word":"advantages,","sentiment":"neutral","sentiment_score":0.03553883731365204},{"word":"disadvantages","start":1118.265,"end":1118.765,"confidence":0.9848633,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":-0.04740671068429947},{"word":"and","start":1118.985,"end":1119.065,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02466847002506256},{"word":"risks","start":1119.065,"end":1119.465,"confidence":0.9970703,"punctuated_word":"risks","sentiment":"neutral","sentiment_score":-0.061796724796295166},{"word":"involved","start":1119.465,"end":1119.865,"confidence":0.9902344,"punctuated_word":"involved","sentiment":"neutral","sentiment_score":-0.015240788459777832},{"word":"for","start":1119.865,"end":1120.025,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.040617093443870544},{"word":"you","start":1120.025,"end":1120.185,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02365012839436531},{"word":"to","start":1120.185,"end":1120.345,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03750314563512802},{"word":"also","start":1120.345,"end":1120.665,"confidence":0.99609375,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.02848714217543602},{"word":"consider","start":1120.665,"end":1121.145,"confidence":0.99902344,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.017824120819568634},{"word":"there","start":1121.145,"end":1121.385,"confidence":0.9951172,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.027609962970018387},{"word":"as","start":1121.385,"end":1121.625,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06121664494276047},{"word":"well","start":1121.625,"end":1122.025,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.04153422638773918},{"word":"does","start":1122.025,"end":1122.185,"confidence":0.9980469,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.03611767292022705},{"word":"that","start":1122.185,"end":1122.585,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.044174570590257645},{"word":"make","start":1122.585,"end":1122.825,"confidence":0.9633789,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.024405697360634804},{"word":"sense","start":1122.825,"end":1123.145,"confidence":0.99902344,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.0255366675555706},{"word":"do","start":1123.145,"end":1123.305,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0018799016252160072},{"word":"you","start":1123.305,"end":1123.545,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004225056618452072},{"word":"have","start":1123.545,"end":1123.705,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0024726148694753647},{"word":"any","start":1123.705,"end":1124.04,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.005452729761600494},{"word":"questions","start":1124.12,"end":1124.52,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.00589133333414793},{"word":"at","start":1124.52,"end":1125.02,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.008198095485568047},{"word":"all","start":1126.8401,"end":1127.24,"confidence":1.0,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.07096149027347565},{"word":"no","start":1127.24,"end":1127.74,"confidence":0.9765625,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.04683540761470795},{"word":"beautiful","start":1127.8,"end":1128.3,"confidence":0.9980469,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.23581212759017944},{"word":"depending","start":1128.6001,"end":1129.1001,"confidence":0.7089844,"punctuated_word":"Depending","sentiment":"neutral","sentiment_score":-0.003703070804476738},{"word":"on","start":1129.16,"end":1129.4,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.014659374952316284},{"word":"how","start":1129.4,"end":1129.56,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.00676320493221283},{"word":"much","start":1129.56,"end":1130.06,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.00920107215642929},{"word":"depending","start":1130.2001,"end":1130.6001,"confidence":0.98828125,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.001837991178035736},{"word":"on","start":1130.6001,"end":1130.8401,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.012074310332536696},{"word":"how","start":1130.8401,"end":1130.92,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.005270723253488541},{"word":"much","start":1130.92,"end":1131.24,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.007806740701198578},{"word":"reading","start":1131.24,"end":1131.56,"confidence":0.99316406,"punctuated_word":"reading","sentiment":"neutral","sentiment_score":0.004319809377193451},{"word":"you","start":1131.56,"end":1131.7201,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.003649618476629257},{"word":"like","start":1131.7201,"end":1131.9601,"confidence":0.94628906,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0007880851626396179},{"word":"to","start":1131.9601,"end":1132.04,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.012196090072393416},{"word":"do","start":1132.04,"end":1132.52,"confidence":0.8474121,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.042238570749759674},{"word":"i've","start":1132.52,"end":1132.76,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.08568696677684784},{"word":"also","start":1132.76,"end":1133.0801,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.046441201120615005},{"word":"got","start":1133.0801,"end":1133.24,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08289533853530884},{"word":"the","start":1133.24,"end":1133.4,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08982846140861511},{"word":"appendices","start":1133.4,"end":1133.9,"confidence":0.9638672,"punctuated_word":"appendices","sentiment":"neutral","sentiment_score":0.061215560883283615},{"word":"and","start":1134.12,"end":1134.36,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05752423405647278},{"word":"all","start":1134.36,"end":1134.52,"confidence":0.9819336,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06504696607589722},{"word":"the","start":1134.52,"end":1134.68,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03611403703689575},{"word":"product","start":1134.68,"end":1135.0801,"confidence":0.41015625,"punctuated_word":"product","sentiment":"neutral","sentiment_score":0.0159357488155365},{"word":"disclosure","start":1135.0801,"end":1135.56,"confidence":0.99902344,"punctuated_word":"disclosure","sentiment":"neutral","sentiment_score":0.023459866642951965},{"word":"statements","start":1135.56,"end":1135.9601,"confidence":0.99609375,"punctuated_word":"statements","sentiment":"neutral","sentiment_score":0.005167320370674133},{"word":"attached","start":1135.9601,"end":1136.36,"confidence":0.9921875,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.07637932896614075},{"word":"for","start":1136.36,"end":1136.52,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11842924356460573},{"word":"you","start":1136.52,"end":1136.6001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08322986960411072},{"word":"to","start":1136.6001,"end":1136.76,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0791967362165451},{"word":"run","start":1136.76,"end":1136.92,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.06443354487419128},{"word":"your","start":1136.92,"end":1137.16,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05235207453370094},{"word":"eyes","start":1137.16,"end":1137.4,"confidence":0.9980469,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.0687611997127533},{"word":"over","start":1137.4,"end":1137.885,"confidence":0.87646484,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":0.0890607237815857},{"word":"and","start":1138.205,"end":1138.365,"confidence":0.9873047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.058822352439165115},{"word":"we","start":1138.365,"end":1138.525,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08179886639118195},{"word":"also","start":1138.525,"end":1138.765,"confidence":0.9902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08193302154541016},{"word":"just","start":1138.765,"end":1139.085,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1149417608976364},{"word":"need","start":1139.085,"end":1139.325,"confidence":0.77246094,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.13534370064735413},{"word":"to","start":1139.325,"end":1139.485,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11901254206895828},{"word":"update","start":1139.485,"end":1139.885,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.11223547160625458},{"word":"the","start":1139.885,"end":1140.045,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09044522792100906},{"word":"ongoing","start":1140.045,"end":1140.365,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.10831645876169203},{"word":"service","start":1140.365,"end":1140.845,"confidence":1.0,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.06800612807273865},{"word":"agreement","start":1140.845,"end":1141.325,"confidence":1.0,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.08492282032966614},{"word":"as","start":1141.325,"end":1141.485,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13375568389892578},{"word":"well","start":1141.485,"end":1141.965,"confidence":0.97631836,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1259109228849411},{"word":"so","start":1141.965,"end":1142.465,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1633627563714981},{"word":"if","start":1142.525,"end":1142.685,"confidence":0.96435547,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15215109288692474},{"word":"you","start":1142.685,"end":1142.845,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11772280931472778},{"word":"can","start":1142.845,"end":1143.005,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14065861701965332},{"word":"take","start":1143.005,"end":1143.165,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.11241555213928224},{"word":"some","start":1143.165,"end":1143.325,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.0850171223282814},{"word":"time","start":1143.325,"end":1143.645,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1042926162481308},{"word":"when","start":1143.645,"end":1143.805,"confidence":0.61816406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.10176566243171692},{"word":"you've","start":1143.805,"end":1143.965,"confidence":0.9633789,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.0984668955206871},{"word":"got","start":1143.965,"end":1144.125,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07866143435239792},{"word":"when","start":1144.205,"end":1144.4451,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0852828398346901},{"word":"you're","start":1144.4451,"end":1144.845,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.08927170932292938},{"word":"awake","start":1144.845,"end":1145.165,"confidence":0.984375,"punctuated_word":"awake","sentiment":"neutral","sentiment_score":0.16093941032886505},{"word":"and","start":1145.165,"end":1145.325,"confidence":0.9301758,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07887333631515503},{"word":"you've","start":1145.325,"end":1145.5651,"confidence":0.99853516,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.10027726739645004},{"word":"had","start":1145.5651,"end":1145.805,"confidence":0.9921875,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.07030968368053436},{"word":"a","start":1145.805,"end":1145.885,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10178886353969574},{"word":"bit","start":1145.885,"end":1146.045,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1697894036769867},{"word":"of","start":1146.045,"end":1146.205,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15083688497543335},{"word":"a","start":1146.205,"end":1146.285,"confidence":0.97998047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0932418256998062},{"word":"rest","start":1146.285,"end":1146.785,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.11495531350374222},{"word":"and","start":1147.085,"end":1147.245,"confidence":0.64160156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12793800234794617},{"word":"you","start":1147.245,"end":1147.325,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1442774385213852},{"word":"can","start":1147.325,"end":1147.5651,"confidence":0.75439453,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14993901550769806},{"word":"run","start":1147.5651,"end":1147.725,"confidence":0.9980469,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.16077592968940735},{"word":"your","start":1147.725,"end":1147.885,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13345156610012054},{"word":"eyes","start":1147.885,"end":1148.045,"confidence":0.99902344,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.1346263587474823},{"word":"over","start":1148.045,"end":1148.285,"confidence":0.9277344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.20054659247398376},{"word":"the","start":1148.285,"end":1148.4451,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13744433224201202},{"word":"document","start":1148.4451,"end":1148.925,"confidence":0.9316406,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.14922571182250977},{"word":"have","start":1148.925,"end":1149.085,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13579337298870087},{"word":"a","start":1149.085,"end":1149.165,"confidence":0.9580078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13614022731781006},{"word":"read","start":1149.165,"end":1149.405,"confidence":0.9921875,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.09429774433374404},{"word":"through","start":1149.405,"end":1149.725,"confidence":0.7792969,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.1002516746520996},{"word":"please","start":1149.725,"end":1149.965,"confidence":1.0,"punctuated_word":"Please","sentiment":"neutral","sentiment_score":0.1827690303325653},{"word":"let","start":1149.965,"end":1150.125,"confidence":0.9902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.19726428389549255},{"word":"me","start":1150.125,"end":1150.205,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2481212615966797},{"word":"know","start":1150.205,"end":1150.365,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2308633029460907},{"word":"if","start":1150.365,"end":1150.4451,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.22150838375091553},{"word":"you","start":1150.4451,"end":1150.605,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24087391793727875},{"word":"do","start":1150.605,"end":1150.765,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20183755457401276},{"word":"happen","start":1150.765,"end":1151.085,"confidence":0.99902344,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.2158078700304031},{"word":"to","start":1151.085,"end":1151.165,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22555357217788696},{"word":"have","start":1151.165,"end":1151.325,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17548048496246338},{"word":"any","start":1151.325,"end":1151.5651,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.14348338544368744},{"word":"questions","start":1151.5651,"end":1151.965,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1366593837738037},{"word":"in","start":1151.965,"end":1152.125,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12006831169128418},{"word":"relation","start":1152.125,"end":1152.525,"confidence":0.9902344,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":0.13842681050300598},{"word":"to","start":1152.525,"end":1152.765,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16371193528175354},{"word":"any","start":1152.765,"end":1153.005,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.16514775156974792},{"word":"of","start":1153.005,"end":1153.085,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17301137745380402},{"word":"it","start":1153.085,"end":1153.5,"confidence":0.751709,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.13863256573677063},{"word":"and","start":1153.66,"end":1153.9,"confidence":0.95703125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13255393505096436},{"word":"we've","start":1153.9,"end":1153.98,"confidence":0.99902344,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.13722330331802368},{"word":"also","start":1153.98,"end":1154.46,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.09921107441186904},{"word":"attached","start":1154.46,"end":1154.78,"confidence":0.98828125,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.1542007476091385},{"word":"the","start":1154.78,"end":1154.94,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12419997155666351},{"word":"ongoing","start":1154.94,"end":1155.34,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.1197710782289505},{"word":"service","start":1155.34,"end":1155.74,"confidence":0.9980469,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.10690686851739883},{"word":"agreement","start":1155.74,"end":1156.24,"confidence":0.9667969,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.12631608545780182},{"word":"there","start":1156.3,"end":1156.46,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15609940886497498},{"word":"as","start":1156.46,"end":1156.62,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14417941868305206},{"word":"well","start":1156.62,"end":1157.12,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1256682574748993},{"word":"you","start":1157.5,"end":1157.66,"confidence":0.9716797,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.14768101274967194},{"word":"do","start":1157.66,"end":1157.82,"confidence":0.9658203,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.125155970454216},{"word":"pay","start":1157.82,"end":1157.98,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.10870430618524551},{"word":"1.65%","start":1157.98,"end":1159.5,"confidence":0.99658203,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.1136837899684906},{"word":"for","start":1159.5,"end":1159.66,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10941949486732484},{"word":"our","start":1159.66,"end":1159.9,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.10767614096403122},{"word":"services","start":1159.9,"end":1160.38,"confidence":0.9980469,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.10165433585643768},{"word":"on","start":1160.38,"end":1160.54,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1374816745519638},{"word":"a","start":1160.54,"end":1160.62,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10216444730758668},{"word":"yearly","start":1160.62,"end":1161.02,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.10180076956748962},{"word":"basis","start":1161.02,"end":1161.34,"confidence":0.9511719,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.11308871954679488},{"word":"that","start":1161.34,"end":1161.5,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.14079704880714417},{"word":"is","start":1161.5,"end":1161.74,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12021108716726304},{"word":"deducted","start":1161.74,"end":1162.22,"confidence":0.99316406,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.12284540385007858},{"word":"from","start":1162.22,"end":1162.46,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.11526861041784286},{"word":"super","start":1162.46,"end":1162.86,"confidence":0.5385742,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.19828492403030396},{"word":"on","start":1162.86,"end":1163.1,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1615032255649567},{"word":"a","start":1163.1,"end":1163.34,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10378919541835784},{"word":"small","start":1163.34,"end":1163.74,"confidence":0.6503906,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.14844810962677002},{"word":"monthly","start":1163.74,"end":1164.22,"confidence":0.9375,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.11783052980899812},{"word":"basis","start":1164.22,"end":1164.62,"confidence":0.9472656,"punctuated_word":"basis,","sentiment":"neutral","sentiment_score":0.18034809827804563},{"word":"and","start":1164.62,"end":1164.78,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18126101791858673},{"word":"that","start":1164.78,"end":1164.94,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2215360552072525},{"word":"allows","start":1164.94,"end":1165.34,"confidence":1.0,"punctuated_word":"allows","sentiment":"neutral","sentiment_score":0.18605375289916992},{"word":"us","start":1165.34,"end":1165.5,"confidence":0.9951172,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.21904295682907104},{"word":"to","start":1165.5,"end":1165.58,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20912620425224304},{"word":"update","start":1165.58,"end":1165.98,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.16444960236549375},{"word":"the","start":1165.98,"end":1166.06,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17696546018123627},{"word":"advice","start":1166.06,"end":1166.46,"confidence":0.94677734,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.19146527349948883},{"word":"keep","start":1166.46,"end":1166.7,"confidence":0.9970703,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.27422720193862915},{"word":"looking","start":1166.7,"end":1167.02,"confidence":0.9902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.22666168212890625},{"word":"after","start":1167.02,"end":1167.42,"confidence":0.9980469,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.24984748661518097},{"word":"everything","start":1167.42,"end":1167.92,"confidence":0.9328613,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.1890803873538971},{"word":"and","start":1168.1749,"end":1168.575,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1696469485759735},{"word":"make","start":1168.575,"end":1168.815,"confidence":0.65966797,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.20566372573375705},{"word":"sure","start":1168.815,"end":1169.0549,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.20115186274051663},{"word":"we","start":1169.0549,"end":1169.215,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15439310669898987},{"word":"are","start":1169.215,"end":1169.375,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.19847315549850464},{"word":"tracking","start":1169.375,"end":1169.775,"confidence":1.0,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.13776080310344696},{"word":"towards","start":1169.775,"end":1170.095,"confidence":1.0,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.16733354330062866},{"word":"your","start":1170.095,"end":1170.4149,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.151479110121727},{"word":"retirement","start":1170.4149,"end":1170.9149,"confidence":0.9980469,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.1070360392332077},{"word":"goals","start":1170.975,"end":1171.2949,"confidence":0.99121094,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.09886688739061356},{"word":"there","start":1171.2949,"end":1171.5349,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15993742644786835},{"word":"as","start":1171.5349,"end":1171.695,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1294749230146408},{"word":"well","start":1171.695,"end":1172.195,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.11249685287475586},{"word":"beautiful","start":1174.015,"end":1174.515,"confidence":0.9975586,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6057907938957214},{"word":"i","start":1175.0549,"end":1175.2949,"confidence":0.6640625,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.512916088104248},{"word":"will","start":1175.2949,"end":1175.5349,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4773833751678467},{"word":"leave","start":1175.5349,"end":1175.775,"confidence":1.0,"punctuated_word":"leave","sentiment":"positive","sentiment_score":0.4524974822998047},{"word":"it","start":1175.775,"end":1175.9349,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4799104630947113},{"word":"with","start":1175.9349,"end":1176.095,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4352513551712036},{"word":"you","start":1176.095,"end":1176.255,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.48537150025367737},{"word":"so","start":1176.255,"end":1176.4149,"confidence":0.9223633,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.375056505203247},{"word":"you","start":1176.4149,"end":1176.575,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3803570568561554},{"word":"can","start":1176.575,"end":1176.735,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3797863721847534},{"word":"take","start":1176.735,"end":1176.895,"confidence":1.0,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.36241358518600464},{"word":"some","start":1176.895,"end":1177.135,"confidence":0.99902344,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3713783919811249},{"word":"time","start":1177.135,"end":1177.2949,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4047480821609497},{"word":"to","start":1177.2949,"end":1177.455,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4320310056209564},{"word":"read","start":1177.455,"end":1177.615,"confidence":0.99902344,"punctuated_word":"read","sentiment":"positive","sentiment_score":0.3987214565277099},{"word":"it","start":1177.615,"end":1177.775,"confidence":0.9921875,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.34962719678878784},{"word":"through","start":1177.775,"end":1178.015,"confidence":0.99658203,"punctuated_word":"through.","sentiment":"positive","sentiment_score":0.36558103561401367},{"word":"if","start":1178.015,"end":1178.1749,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.2776634097099304},{"word":"there","start":1178.1749,"end":1178.335,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.19553950428962708},{"word":"are","start":1178.335,"end":1178.495,"confidence":0.9941406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1817384213209152},{"word":"any","start":1178.495,"end":1178.735,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1903928965330124},{"word":"questions","start":1178.735,"end":1179.135,"confidence":0.99902344,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.1579807847738266},{"word":"please","start":1179.135,"end":1179.455,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.17973220348358154},{"word":"let","start":1179.455,"end":1179.615,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.20598673820495603},{"word":"me","start":1179.615,"end":1179.775,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.25564348697662354},{"word":"know","start":1179.775,"end":1180.095,"confidence":1.0,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.26568683981895447},{"word":"there's","start":1180.095,"end":1180.4149,"confidence":0.9995117,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.2661445140838623},{"word":"no","start":1180.4149,"end":1180.575,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.2321304976940155},{"word":"silly","start":1180.575,"end":1180.895,"confidence":1.0,"punctuated_word":"silly","sentiment":"neutral","sentiment_score":0.1755450963973999},{"word":"questions","start":1180.895,"end":1181.2949,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.16023555397987366},{"word":"in","start":1181.2949,"end":1181.5349,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22018039226531985},{"word":"my","start":1181.5349,"end":1181.695,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.31618672609329224},{"word":"world","start":1181.695,"end":1182.015,"confidence":0.85717773,"punctuated_word":"world.","sentiment":"neutral","sentiment_score":0.2520896792411804},{"word":"so","start":1182.015,"end":1182.1749,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2634614109992981},{"word":"if","start":1182.1749,"end":1182.255,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24516341090202332},{"word":"there's","start":1182.255,"end":1182.495,"confidence":0.9975586,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.2392917275428772},{"word":"anything","start":1182.495,"end":1182.815,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.2156219780445099},{"word":"that's","start":1182.815,"end":1183.315,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.19793419539928436},{"word":"on","start":1183.58,"end":1183.74,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1864382326602936},{"word":"your","start":1183.74,"end":1183.98,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2623986601829529},{"word":"mind","start":1183.98,"end":1184.22,"confidence":0.9916992,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":0.26127147674560547},{"word":"you're","start":1184.22,"end":1184.46,"confidence":0.9807129,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.33311718702316284},{"word":"welcome","start":1184.46,"end":1184.7,"confidence":1.0,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.3689191937446594},{"word":"to","start":1184.7,"end":1184.86,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3728085458278656},{"word":"let","start":1184.86,"end":1185.02,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.32818329334259033},{"word":"me","start":1185.02,"end":1185.18,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.3145906925201416},{"word":"know","start":1185.18,"end":1185.68,"confidence":0.9995117,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.3320472240447998},{"word":"once","start":1185.82,"end":1186.06,"confidence":1.0,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.2593534290790558},{"word":"you","start":1186.06,"end":1186.22,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1875666975975037},{"word":"kinda","start":1186.22,"end":1186.54,"confidence":0.93408203,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.19203832745552063},{"word":"have","start":1186.54,"end":1186.78,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15197297930717468},{"word":"read","start":1186.78,"end":1186.94,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.17053373157978058},{"word":"it","start":1186.94,"end":1187.1,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1701357364654541},{"word":"through","start":1187.1,"end":1187.34,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1784442961215973},{"word":"and","start":1187.34,"end":1187.5,"confidence":0.94384766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1888955533504486},{"word":"you've","start":1187.5,"end":1187.74,"confidence":0.99560547,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.2112463414669037},{"word":"decided","start":1187.74,"end":1188.06,"confidence":1.0,"punctuated_word":"decided","sentiment":"neutral","sentiment_score":0.15412388741970062},{"word":"to","start":1188.06,"end":1188.22,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18603824079036713},{"word":"take","start":1188.22,"end":1188.38,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.22025807201862335},{"word":"the","start":1188.38,"end":1188.54,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22319266200065613},{"word":"advice","start":1188.54,"end":1188.86,"confidence":0.98828125,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.21189457178115845},{"word":"and","start":1188.86,"end":1189.1,"confidence":0.48706055,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17438659071922302},{"word":"we","start":1189.1,"end":1189.26,"confidence":0.5761719,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18375124037265775},{"word":"implement","start":1189.26,"end":1189.66,"confidence":0.9633789,"punctuated_word":"implement","sentiment":"neutral","sentiment_score":0.18690213561058044},{"word":"that","start":1189.66,"end":1189.9,"confidence":0.87231445,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.15676277875900269},{"word":"i","start":1189.9,"end":1189.98,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15722434222698212},{"word":"wanted","start":1189.98,"end":1190.22,"confidence":0.80908203,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.09905830025672913},{"word":"to","start":1190.22,"end":1190.3,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09680569171905518},{"word":"do","start":1190.3,"end":1190.46,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09281940758228302},{"word":"a","start":1190.46,"end":1190.62,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08317679166793823},{"word":"bit","start":1190.62,"end":1190.78,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08194176852703094},{"word":"of","start":1190.78,"end":1190.86,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08159883320331573},{"word":"a","start":1190.86,"end":1191.02,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04927700757980347},{"word":"catch","start":1191.02,"end":1191.26,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.0710248053073883},{"word":"up","start":1191.26,"end":1191.42,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.028492633253335953},{"word":"maybe","start":1191.42,"end":1191.74,"confidence":0.8520508,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.016905270516872406},{"word":"in","start":1191.74,"end":1191.9,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02618313580751419},{"word":"three","start":1191.9,"end":1192.3,"confidence":0.97802734,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":0.02120434120297432},{"word":"six","start":1192.3,"end":1192.54,"confidence":0.9848633,"punctuated_word":"six,","sentiment":"neutral","sentiment_score":0.03475532680749893},{"word":"or","start":1192.54,"end":1192.78,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.032028090208768845},{"word":"nine","start":1192.78,"end":1192.94,"confidence":1.0,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.05408937856554985},{"word":"months","start":1192.94,"end":1193.26,"confidence":0.99072266,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.052998535335063934},{"word":"would","start":1193.26,"end":1193.42,"confidence":1.0,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.0626344233751297},{"word":"you","start":1193.42,"end":1193.58,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05791619420051575},{"word":"like","start":1193.58,"end":1193.82,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.04873870313167572},{"word":"to","start":1193.82,"end":1193.9,"confidence":0.98291016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05052623897790909},{"word":"do","start":1193.9,"end":1194.06,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05434173345565796},{"word":"a","start":1194.06,"end":1194.14,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05049905925989151},{"word":"bit","start":1194.14,"end":1194.3,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07505285739898682},{"word":"of","start":1194.3,"end":1194.38,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09600713849067688},{"word":"a","start":1194.38,"end":1194.54,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05465968698263168},{"word":"catch","start":1194.54,"end":1194.78,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.04922470450401306},{"word":"up","start":1194.78,"end":1194.94,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.03775320574641228},{"word":"down","start":1194.94,"end":1195.18,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.07484813034534454},{"word":"the","start":1195.18,"end":1195.26,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06692710518836975},{"word":"track","start":1195.26,"end":1195.5,"confidence":0.99609375,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.04493958503007889},{"word":"and","start":1195.5,"end":1195.66,"confidence":0.44995117,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.055838558822870255},{"word":"what","start":1195.66,"end":1195.905,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08926301449537277},{"word":"time","start":1195.905,"end":1196.145,"confidence":0.98535156,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.03275199979543686},{"word":"frame","start":1196.145,"end":1196.385,"confidence":1.0,"punctuated_word":"frame","sentiment":"neutral","sentiment_score":0.04526658356189728},{"word":"would","start":1196.385,"end":1196.625,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06269358098506927},{"word":"suit","start":1196.625,"end":1196.865,"confidence":0.9580078,"punctuated_word":"suit","sentiment":"neutral","sentiment_score":0.03392080217599869},{"word":"you","start":1196.865,"end":1197.365,"confidence":0.9995117,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.028058972209692},{"word":"yeah","start":1201.345,"end":1201.745,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16202543675899506},{"word":"beautiful","start":1201.745,"end":1202.245,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4572855234146118},{"word":"i'll","start":1202.385,"end":1202.545,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.3297329545021057},{"word":"pop","start":1202.545,"end":1202.785,"confidence":0.9951172,"punctuated_word":"pop","sentiment":"positive","sentiment_score":0.4264516234397888},{"word":"that","start":1202.785,"end":1202.9451,"confidence":0.7675781,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.36268749833106995},{"word":"in","start":1202.9451,"end":1203.105,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4002502262592316},{"word":"the","start":1203.105,"end":1203.265,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.323444664478302},{"word":"calendar","start":1203.265,"end":1203.665,"confidence":0.9921875,"punctuated_word":"calendar.","sentiment":"neutral","sentiment_score":0.32493823766708374},{"word":"my","start":1203.665,"end":1203.745,"confidence":1.0,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.27440401911735535},{"word":"team","start":1203.745,"end":1203.985,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.3121178448200226},{"word":"will","start":1203.985,"end":1204.145,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2578870952129364},{"word":"give","start":1204.145,"end":1204.305,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2773900628089905},{"word":"you","start":1204.305,"end":1204.4651,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28735414147377014},{"word":"a","start":1204.4651,"end":1204.625,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2718997597694397},{"word":"call","start":1204.625,"end":1204.785,"confidence":0.9279785,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.2602057456970215},{"word":"we'll","start":1204.785,"end":1205.105,"confidence":0.9995117,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.2392392605543137},{"word":"book","start":1205.105,"end":1205.265,"confidence":0.99902344,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.251310795545578},{"word":"in","start":1205.265,"end":1205.505,"confidence":0.9108887,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.2070217728614807},{"word":"and","start":1205.505,"end":1205.665,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24779477715492249},{"word":"we'll","start":1205.665,"end":1205.905,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2660980224609375},{"word":"have","start":1205.905,"end":1206.0651,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.33842983841896057},{"word":"a","start":1206.0651,"end":1206.145,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2958683967590332},{"word":"bit","start":1206.145,"end":1206.305,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.24655532836914065},{"word":"of","start":1206.305,"end":1206.4651,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.294373482465744},{"word":"a","start":1206.4651,"end":1206.545,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26252323389053345},{"word":"chat","start":1206.545,"end":1206.7051,"confidence":0.9716797,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.27588969469070435},{"word":"just","start":1206.7051,"end":1206.9451,"confidence":0.98535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.298370361328125},{"word":"to","start":1206.9451,"end":1207.025,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2545734643936157},{"word":"see","start":1207.025,"end":1207.185,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2880750894546509},{"word":"how","start":1207.185,"end":1207.425,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.2518340051174164},{"word":"things","start":1207.425,"end":1207.665,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2674028277397156},{"word":"are","start":1207.665,"end":1207.8251,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2226407825946808},{"word":"tracking","start":1207.8251,"end":1208.225,"confidence":1.0,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.2362660765647888},{"word":"and","start":1208.225,"end":1208.385,"confidence":0.8745117,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2596524655818939},{"word":"whether","start":1208.385,"end":1208.7051,"confidence":0.9760742,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.2581526041030884},{"word":"any","start":1208.7051,"end":1209.025,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.16703125834465027},{"word":"further","start":1209.025,"end":1209.345,"confidence":0.99902344,"punctuated_word":"further","sentiment":"neutral","sentiment_score":0.113187275826931},{"word":"changes","start":1209.345,"end":1209.845,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.12458944320678712},{"word":"need","start":1209.905,"end":1210.0651,"confidence":0.9970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.12421207129955292},{"word":"to","start":1210.0651,"end":1210.145,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1999625414609909},{"word":"take","start":1210.145,"end":1210.44,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.1654025912284851},{"word":"place","start":1210.44,"end":1210.6799,"confidence":0.9951172,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.18232405185699463},{"word":"there","start":1210.6799,"end":1210.7999,"confidence":0.9301758,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.24035094678401947},{"word":"for","start":1210.7999,"end":1210.9199,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.29760032892227173},{"word":"you","start":1210.9199,"end":1211.32,"confidence":0.9946289,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.21139822900295255},{"word":"how","start":1211.32,"end":1211.48,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.13103212416172028},{"word":"does","start":1211.48,"end":1211.6399,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.11780598014593124},{"word":"that","start":1211.6399,"end":1211.7999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16569922864437103},{"word":"sound","start":1211.7999,"end":1212.2999,"confidence":1.0,"punctuated_word":"sound?","sentiment":"neutral","sentiment_score":0.1246323585510254},{"word":"easy","start":1214.36,"end":1214.86,"confidence":0.98535156,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.09767978638410568},{"word":"well","start":1215.0,"end":1215.24,"confidence":0.99853516,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.40640193223953247},{"word":"thank","start":1215.24,"end":1215.48,"confidence":1.0,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.6138228178024292},{"word":"you","start":1215.48,"end":1215.72,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6218636631965637},{"word":"so","start":1215.72,"end":1215.8799,"confidence":0.9980469,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6001623868942261},{"word":"much","start":1215.8799,"end":1216.12,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.6304399967193604},{"word":"for","start":1216.12,"end":1216.2,"confidence":0.9580078,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6357905864715576},{"word":"your","start":1216.2,"end":1216.2799,"confidence":0.99316406,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6041343808174133},{"word":"time","start":1216.2799,"end":1216.6,"confidence":0.9980469,"punctuated_word":"time,","sentiment":"positive","sentiment_score":0.6435673236846924},{"word":"paul","start":1216.6,"end":1216.84,"confidence":0.9724121,"punctuated_word":"Paul.","sentiment":"positive","sentiment_score":0.5631083250045776},{"word":"i'll","start":1216.84,"end":1217.08,"confidence":0.9890137,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.5397788882255554},{"word":"let","start":1217.08,"end":1217.24,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.5327214002609253},{"word":"you","start":1217.24,"end":1217.32,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.43282514810562134},{"word":"go","start":1217.32,"end":1217.6399,"confidence":1.0,"punctuated_word":"go.","sentiment":"positive","sentiment_score":0.5283257961273193},{"word":"i","start":1217.6399,"end":1217.72,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.551211953163147},{"word":"hope","start":1217.72,"end":1217.96,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.6212114691734314},{"word":"you","start":1217.96,"end":1218.12,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5383539795875549},{"word":"have","start":1218.12,"end":1218.36,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5569352507591248},{"word":"a","start":1218.36,"end":1218.44,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5893561840057373},{"word":"lovely","start":1218.44,"end":1218.84,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.6439687013626099},{"word":"day","start":1218.84,"end":1219.32,"confidence":0.9995117,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":0.12235353887081146},{"word":"if","start":1219.32,"end":1219.48,"confidence":0.5473633,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.32202643156051636},{"word":"you","start":1219.48,"end":1219.6399,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35812175273895264},{"word":"have","start":1219.6399,"end":1219.7999,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2000553011894226},{"word":"any","start":1219.7999,"end":1219.96,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.199075311422348},{"word":"questions","start":1219.96,"end":1220.36,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.2131125330924988},{"word":"or","start":1220.36,"end":1220.5199,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2514611780643463},{"word":"need","start":1220.5199,"end":1220.7599,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.22838784754276276},{"word":"anything","start":1220.7599,"end":1221.08,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.2707759439945221},{"word":"in","start":1221.08,"end":1221.24,"confidence":0.98291016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1629638373851776},{"word":"the","start":1221.24,"end":1221.32,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1704267859458923},{"word":"meantime","start":1221.32,"end":1221.82,"confidence":0.99853516,"punctuated_word":"meantime,","sentiment":"neutral","sentiment_score":0.2120969593524933},{"word":"i","start":1221.8799,"end":1221.96,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5371429324150085},{"word":"am","start":1221.96,"end":1222.2,"confidence":0.98828125,"punctuated_word":"am","sentiment":"positive","sentiment_score":0.561418890953064},{"word":"here","start":1222.2,"end":1222.36,"confidence":0.97631836,"punctuated_word":"here.","sentiment":"positive","sentiment_score":0.4954643249511719},{"word":"i'm","start":1222.36,"end":1222.5199,"confidence":0.99609375,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.7715328931808472},{"word":"more","start":1222.5199,"end":1222.6799,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.8211597204208374},{"word":"than","start":1222.6799,"end":1222.84,"confidence":1.0,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.7737099528312683},{"word":"happy","start":1222.84,"end":1223.1599,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.8294154405593872},{"word":"to","start":1223.1599,"end":1223.32,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8267303109169006},{"word":"take","start":1223.32,"end":1223.48,"confidence":1.0,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.8603934049606323},{"word":"your","start":1223.48,"end":1223.6399,"confidence":0.93115234,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8621107935905457},{"word":"call","start":1223.6399,"end":1223.8799,"confidence":1.0,"punctuated_word":"call","sentiment":"positive","sentiment_score":0.8121852278709412},{"word":"and","start":1223.8799,"end":1224.0399,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7790780663490295},{"word":"help","start":1224.0399,"end":1224.2,"confidence":1.0,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.753079891204834},{"word":"you","start":1224.2,"end":1224.36,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7848588824272156},{"word":"out","start":1224.36,"end":1224.645,"confidence":0.9975586,"punctuated_word":"out.","sentiment":"positive","sentiment_score":0.6254992485046387},{"word":"okay","start":1224.885,"end":1225.385,"confidence":0.90112305,"punctuated_word":"Okay?","sentiment":"positive","sentiment_score":0.4478151202201843},{"word":"thank","start":1227.365,"end":1227.685,"confidence":0.96875,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8522162437438965},{"word":"you","start":1227.685,"end":1228.005,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.8411699533462524},{"word":"enjoy","start":1228.005,"end":1228.405,"confidence":1.0,"punctuated_word":"Enjoy","sentiment":"positive","sentiment_score":0.7962391376495361},{"word":"your","start":1228.405,"end":1228.645,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.849824845790863},{"word":"day","start":1228.645,"end":1229.145,"confidence":1.0,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.8008134365081787},{"word":"thanks","start":1230.645,"end":1231.125,"confidence":0.97802734,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.7289390563964844},{"word":"paul","start":1231.125,"end":1231.4451,"confidence":0.98950195,"punctuated_word":"Paul.","sentiment":"positive","sentiment_score":0.6556380987167358},{"word":"see","start":1231.4451,"end":1231.685,"confidence":0.9980469,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.5173214077949524},{"word":"you","start":1231.685,"end":1231.845,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6128397583961487},{"word":"later","start":1231.845,"end":1232.345,"confidence":1.0,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.6346920728683472},{"word":"bye","start":1233.045,"end":1233.545,"confidence":0.9785156,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.1996846050024033}],"paragraphs":{"transcript":"\nHi, Paul. This is Dana from Ophiuch Financial. How are you this afternoon? That's good. I had you booked in just to go through an updated advice document with me today.\n\nIs now still a good time there for you? Fantastic. Paul, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic.\n\nAnd just to the security there with you, just sec, before I go through any personal information, just to confirm your full name, your date of birth, and address I should have on file there. Yep. Yep. Fantastic. Thank you so much for that.\n\nHow's your day been today? Yeah. You sound tired. I'm so sorry. I'll try not to take too much of your time.\n\nI know you probably had a very long week thus far. Essentially, we last time we caught up, we wanted to have a bit of a look at your super and the investments, and we have sort of noticed some changes that needed to be made to help you along towards your retirement goals there. So I just wanted to run through this with you. Are you able to access your emails at the moment? I just normally send through the document to you so you can review it with me.\n\nIf you can't oh, that that's okay. It's not a problem. I'll run through things as easily as possible. I'll touch on the Please ask me any questions that you have, and I'll try to make it as easy as possible. I do apologize in advance.\n\nAll good. Easy. So, Paul, with this one here, on the front of the document when you are looking at it, it has been noted prepared for yourself forward as of the 09/08/2026. All of our advice is valid for sixty days from the date of the document. So you can take some time to read it through.\n\nAnd then if you're happy to take on the recommendations, we'll get you signed and return that back there for us. Okay? On the bottom of the document prepared by myself here, Dana Taylor, and my my team here at Ofori Financial, and my authorized representative number is 13043 sorry. 130 4394. My apologies.\n\nA bit tongue tied this afternoon. And I'm registered as an adviser with ASIC there as well. As you scroll through the document, you'll see the best interest duties, table of contents, and then we've got some scoping, some areas that we are and are not looking at with regards to this advice piece. Essentially, last time we spoke, your goal to access Super was around about age 65, hopefully, drawing an income of around about $700 per week to cover your living expenses. Is that still fairly appropriate for your goal?\n\nDo you think that might have changed at all? Fantastic. I've also got down here we consider your insurances. So you were happy to retain the level of cover you have within MLC at the time you were having so you were on light duties and having some shoulder surgery. How did that go, and are you back sort of full time, or how was everything since that surgery?\n\nYeah. Okay. Oh, yeah. You poor thing. Oh, you must be in pain as well while they're trying to figure it all out.\n\nNo. I'm so sorry to hear that, Paul. Well, we'll definitely retain those insurances for the time being, but I have this I have considered them as part of the advice because, essentially, they are paid out of your super. So it's important to consider them when we are projecting things forward for you. Okay?\n\nWe've also got the estate planning. Essentially, you do have your beneficiaries on file. You are happy to do so, but I have put a little bit in here to recommend that you do speak to a solicitor to draw up a will and power of attorney to make sure the other areas of estate planning are fully sorted for you and your family. Okay. Excellent.\n\nAreas that we're not looking for advice at the moment is around income protection and trauma. So you do hold life and TPD, but no income protection or trauma because you are on light duties and about to go through surgery. Generally, to get new cover, we would have to be able to see you through that first and make sure that you're on the other side of it, the recovery side of things, and see what the doctor's report show. We can look at additional insurances down the track for you, but for the time being, we're just retaining what you currently have. And last time you and I spoke, you were happy with that as well.\n\nOkay? Excellent. And, also, cash flow and budgeting. So you are looking to purchase a house over the next sort of twelve months or so. Is that still a goal down the track, or is that just being pushed back a little bit more?\n\nHow's that goal? Yeah. Understandable. It's a little bit hard to understand when when's the right time, isn't it? Yeah.\n\nAll good. Then when you're looking at the document, we do have the about you section, your assets and liabilities noted as per our last conversation there, and then an outline of your current insurance policy. So within MLC, there at the moment, you have your life and TBD cover. You have a sum insured of 90,820 between the two, and the premium for those paid out of the MLC is $1,113.35 for the year. Okay?\n\nExcellent. Now to start sort of going through the recommendations there for you, I did go back and look at all of your super and the investments within to sort of see how everything was tracking for you. Within hub twenty four at the moment, your current balance is 81,070, and then we've also got about thirty three thousand one thirty eight within MLC there at the moment. Between the two funds, you do have your admin fees, investment fees, the ongoing service fee for us looking after everything comes out of hub twenty four, and contributions going into MLC, which is also where your insurance premiums are deducted from. When we sort of spoke last time, you we did your risk profiling, had a bit of a chat about you being a growth investor, which has a eighty twenty split, if you remember to that conversation there.\n\nSo 80 percent growth, 20% low risk defensive investments. You were fairly happy with that. It does sort of suit someone who has a six year time horizon for accessing super. Are you still comfortable in that portfolio or that risk level here? Beautiful.\n\nWhen I look at your current portfolio, I did note there were some underperforming assets. So, essentially, this year, we have seen a lot of volatility in the market. There has been a lot of ups and downs with everything that has been going on. And so I have sort of found that there's maybe some changes that we need to make to your portfolio to make sure it does work a little bit harder for you. When we look at how everything has been performing over the past five years, and when you look at the past five years, there has been a lot of ups and downs.\n\nThe market has not been steady in the past five years at at all. And, essentially, when wow. Yeah. No. Well, if you ever feel like that, please give me a call.\n\nI am here to help and to talk you through those times. I don't want you to feel like you have to stress on your own, and we do a lot of looking at the markets and a lot of talking people through things like that. And my job is to help you stop you from making rash decisions as well. So if you wanna use me as a sounding board, you are more than welcome to do that. Okay?\n\nExcellent. So when I have a look at how between MLC and Hub twenty four over the past five years, your portfolio jointly has been performing. I wasn't overly impressed. It's averaged about 5.91% on a yearly basis. I'm not really happy with that.\n\nI wanted to sort of look at how we could make things work a bit harder for you and readjust your portfolio to make it work better. Essentially, with the recommendations, I am recommending you retain the two funds, HUB24 and MLC. The funds themselves are absolutely fine. Essentially, if we had looked and I did look at moving to another platform. However, within Hub twenty four, whenever any even MLC, whenever you sell down investments, your super fund pays capital gains and income tax.\n\nIt does a tax return every year just like you do. So in order to settle down all the investments and move to whole new platforms, it does require capital gains consequences. And I want to minimize that as much as possible because, realistically, lowering the tax consequences mean, essentially, like, if you paid near $5 in in capital gains tax, that comes off your balance, essentially. So, realistically, minimizing that cost helps your balance continue to grow, if that makes sense. Yeah.\n\nSo recommending your retention of MLC and hub twenty four, because you've got 33,000 in MLC at the moment, we do wanna roll over all but 10,000, just retaining that 10,000 in the MLC and moving the rest of the funds over to hub twenty four. Essentially, that would leave you with a balance in hub twenty four of about 104200 and four, which is fantastic. It's I understand. Yeah. And your insurances, your life and TPD, which is important to keep for the moment.\n\nYeah. Yeah. Yeah. I will sorta go through an adjustment of the portfolio, but when I looked at the capital gains consequences for being able to adjust your portfolio, it came to $4. So I was really happy with that.\n\nThat's pretty yeah. Exactly. If I need capital gains, I mean, if I need to pay $4 in tax more regularly. Essentially, moving over, the admin fee does increase slightly because we are putting more money in the hub 24. I expect it to increase by about $40 per year.\n\nIt's a very minor increase there. However, the newer portfolio is expected to save you $388. So I was able to find a portfolio that was much cheaper for you and save you $388 for the year, which is also a benefit and a bonus there. Excellent. The newer portfolio has also averaged 9.86% over the past five years as well between MLC and Hub twenty four.\n\nSo I was very happy to be able to look at something that's performing better. And when when you consider the ups and downs over the last five years, if this portfolio has averaged 9.86%, moving forward, it should be able to obtain close to that on a regular basis as well. Okay? Excellent. So, realistically, that should put you in a much greater position, also save you in keys fees, sorry, and minimize the CDT cost as much as possible, which was a benefit and a positive for you.\n\nAlright? In to sort of in a nutshell, and I'm so sorry, to run you through just a basic run through of what we're gonna replace, essentially, we're not changing the investments within NMLC. The growth portfolio within that is absolutely fine. We're only retaining 10,000 in there as well and keeping your contributions going in. So there's no change there.\n\nWe're just gonna roll 2300138 over in the hub twenty four. Within hub twenty four, we're going to increase your exposure into gold from five to 8%. We're gonna remove the physical silver completely. This investment is a bit underperforming. It has been good in the past, but right now, it's worth removing from the portfolio completely.\n\nWe've also got the Ben along Australian Equities in there. That now is underperforming as well. They've had some underlying issues, and I longer. So I'm removing that wholly from the portfolio as well. And then you've got the Vanguard diversified index in there as well.\n\nThat, again, is being completely removed, hasn't been performing as well, and we have other ways to provide diversification within your portfolio that provide greater performance, which is good. You've got the cybersecurity globe so global cybersecurity in your portfolio. You currently have 6%. We wanna reweight that to five. You're a little bit overexposed at the moment, so rebalancing this back a little bit is just as important.\n\nWe've also got the battery and lithium tech. That is being removed completely from the portfolio as is the MorningStar Global tech. Essentially, you'll still have access to tech stocks, but we found a cheaper way to do that, which has got greater past performance. And one of the things I wanted to look at because as you get older, you wanna make sure your super balance is growing. We wanted to sort of limit the fees where possible whilst giving you still exposure to areas of growth.\n\nSo I'm gonna remove those completely from the portfolio. I'm also gonna remove the iShares Europe out of the portfolio as well. We're still gonna have European exposure, but just moving that investment and investing in Europe and other areas for you. The S and P 500 is the top 500 companies in The US. We are keeping that in the portfolio, but you've got 24% there currently.\n\nSo we only wanna hold 20% of that investment, so it just means we're gonna reweight the portfolio a little bit. And then you've also got the iShares Asia. We're still gonna hold Asia exposure, but we're gonna remove that investment and hold it in another way. You've also got the Vanguard Australian fixed interest. We still wanna hold fixed interest investments, but I've got another way to do that, which has been showing greater performance.\n\nSo we're gonna remove that investment wholly from there as well. We're instead, we're going to replace essentially, we're gonna buy into the India quality ETF to give you 5% exposure into India, which has seen some very good growth, and we do expect that moving forward as well. So we're gonna increase or add some India exposure into your portfolio. We're also gonna add some global health care. Essentially, this is looking at global health care.\n\nHealth care is still a very big space, especially since COVID, and this is giving you exposure globally. So it is increasing diversification and adding a niche area where we're still seeing growth. You do currently you don't currently have a lot because we're removing sorry. The Benelong Australian equities. We kind of wanna add in there and make sure you have some exposure into Australian equities.\n\nSo, essentially, we're gonna keep the beta shares Raffi Aussie two hundred, and we're also adding in the Australian beta shares a 200. So these two investments are giving you exposure to some of the largest companies on the ASX. Between the two, it'll be at the 25% holding into the Australian market. And by removing Bannalong, which is being underperforming and adding these two investments in there, we're still keeping that exposure, adding more diversification, and providing you with a lower overall risk in your portfolio as well. So that's a positive thing, and it's cheaper.\n\nWe've also got the JPMorgan re Research Enhanced Equity Fund. This one here is a little bit of an actively managed fund, but it's also very cost effective. It accesses and uses JPMorgan's research team in order to pick and choose where to invest, but it also does track global markets. So it's, again, about providing diversification, but also making sure we can find good areas to provide growth for you as well down the track. Okay?\n\nWe'll hold 15% of that investment there for you. And then because we still wanna have defensive investments, we're also gonna include core composite bonds, giving you exposure to both government and corporate bonds, and the iShares Yield Plus, which is giving you access to high yielding or high income producing fixed interest and low risk investments, which is great. Between the two of those holding 9% each, and that's giving you that, defensive component for your portfolio. Essentially, this is giving you greater diversification. It has performed better.\n\nThere's a very limited CGT costs for the change, and it's a cheaper portfolio as a whole. So I felt it was a really good move to be able to switch that for you. Yeah. That is a lot when you're not looking at the document, and you've had a long week. And I'm very sorry, Paul, do you have any questions that could come up at the moment?\n\nExcellent. Excellent. You're probably thinking, what is she on? That all good. We're all that's all good.\n\nI'll look after you. Essentially, the rest of that is just making sure we do retain the MLC account to keep your insurances in place. We'll make sure we have an opt in form applied as well just as a secondary backup in case you are off work for any period of time and not receiving contributions just to make sure everything stays in place insurance wise. And we'll keep reviewing that with you moving forward just to sort of make sure things are key tracking, that everything is working really well for you. The other thing I did kind of wanna just make sure that we had in line there was a brand new beneficiaries.\n\nObviously, we haven't scoped this into the full extent, but one of the things we sort of want to look at when we spoke last time was that you had your beneficiaries split a little bit. You wanted to kind of have your spouse receive 40% of the beneficiary, but then you also wanted to have a 60% directed to your children. And your children are adults. Is that correct? Yep.\n\nBeautiful. So I have made a little bit of an extra provision in the back in here that with the beneficiaries, we actually redo them and split them. So we apply a binding non lapsing beneficiary to HUB 24 and binding lapsing into MLC. However, because of the tax consequences with the way the beneficiaries work so if you were to pass away, your spouse receives that 40% completely tax free. However, your children would actually receive the benefit, and they would have to they would actually pay tax on that benefit.\n\nSo because they're because they're over 18, unfortunately, they see it's coming everywhere. But being nontax dependent, your children would have to pay tax on that benefit. So what I've done to make alter the recommendation to make it more tax effective is that in both the super funds, we still nominate 40% to go to your spouse. That's absolutely fine. But then with the other 60%, we actually nominate that to go to your legal personal representative.\n\nThat means that if you pass away, the portion that's meant to go to your children would go to your will. You then just need to have a will in place that allocates that money however you wanted to to your children, and then it gets paid out. There still are tax consequences, but it helps to minimize or reduce some of the tax payables so they end up with more of the benefit. Does that make sense? Yeah.\n\nBeautiful. So that's essentially how I've altered that recommendation. It's a little bit more complex, but I've got some details in there to kinda break it down for you and to make it a little bit easier. All of the recommendations are outlined in there for you to review. We've also got a best interest duty, which relies it oh, sorry.\n\nRelates it back to your goals and why we're making those recommendations for you. And then we've also got some information and the recommendations around the estate planning, the will, the power of attorney side of things, and some advantages, disadvantages, and risks involved for you to also consider there as well. Does that make sense? Do you have any questions at all? No?\n\nBeautiful. Depending on how much depending on how much reading you like to do, I've also got the appendices and all the product disclosure statements attached for you to run your eyes over. And we also just need to update the ongoing service agreement as well. So if you can take some time when you've got when you're awake and you've had a bit of a rest and you can run your eyes over the document, have a read through. Please let me know if you do happen to have any questions in relation to any of it.\n\nAnd we've also attached the ongoing service agreement there as well. You do pay 1.65% for our services on a yearly basis. That is deducted from super on a small monthly basis, and that allows us to update the advice, keep looking after everything, and make sure we are tracking towards your retirement goals there as well. Beautiful. I will leave it with you so you can take some time to read it through.\n\nIf there are any questions, please let me know. There's no silly questions in my world. So if there's anything that's on your mind, you're welcome to let me know. Once you kinda have read it through and you've decided to take the advice and we implement that, I wanted to do a bit of a catch up maybe in three, six, or nine months. Would you like to do a bit of a catch up down the track and what time frame would suit you?\n\nYeah. Beautiful. I'll pop that in the calendar. My team will give you a call. We'll book in, and we'll have a bit of a chat just to see how things are tracking and whether any further changes need to take place there for you.\n\nHow does that sound? Easy. Well, thank you so much for your time, Paul. I'll let you go. I hope you have a lovely day.\n\nIf you have any questions or need anything in the meantime, I am here. I'm more than happy to take your call and help you out. Okay? Thank you. Enjoy your day.\n\nThanks, Paul. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Paul.","start":2.8,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.12557285279035568},{"text":"This is Dana from Ophiuch Financial.","start":3.4399998,"end":5.06,"sentiment":"neutral","sentiment_score":0.1628891577323278},{"text":"How are you this afternoon?","start":5.12,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.22884062230587005},{"text":"That's good.","start":8.32,"end":8.88,"sentiment":"positive","sentiment_score":0.7233153283596039},{"text":"I had you booked in just to go through an updated advice document with me today.","start":8.88,"end":12.559999,"sentiment":"positive","sentiment_score":0.42165431566536427}],"sentiment":"positive","sentiment_score":0.340831724866744,"num_words":31,"start":2.8,"end":12.559999},{"sentences":[{"text":"Is now still a good time there for you?","start":12.559999,"end":14.415,"sentiment":"positive","sentiment_score":0.35483202669355607},{"text":"Fantastic.","start":16.335,"end":16.835,"sentiment":"positive","sentiment_score":0.6471032500267029},{"text":"Paul, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":17.375,"end":22.115,"sentiment":"neutral","sentiment_score":0.18933823332190514},{"text":"Are you happy for us to proceed with that?","start":22.175,"end":24.275,"sentiment":"neutral","sentiment_score":0.199556365609169},{"text":"Fantastic.","start":25.695,"end":26.195,"sentiment":"positive","sentiment_score":0.5293611288070679}],"sentiment":"neutral","sentiment_score":0.2434108524837277,"num_words":44,"start":12.559999,"end":26.195},{"sentences":[{"text":"And just to the security there with you, just sec, before I go through any personal information, just to confirm your full name, your date of birth, and address I should have on file there.","start":26.335,"end":34.51,"sentiment":"neutral","sentiment_score":0.17261366695165634},{"text":"Yep.","start":36.57,"end":37.07,"sentiment":"neutral","sentiment_score":0.01623447984457016},{"text":"Yep.","start":39.53,"end":40.03,"sentiment":"neutral","sentiment_score":0.017326410859823227},{"text":"Fantastic.","start":42.555,"end":43.055,"sentiment":"positive","sentiment_score":0.48805081844329834},{"text":"Thank you so much for that.","start":43.195,"end":44.394997,"sentiment":"positive","sentiment_score":0.554278721412023}],"sentiment":"neutral","sentiment_score":0.22474459956654094,"num_words":44,"start":26.335,"end":44.394997},{"sentences":[{"text":"How's your day been today?","start":44.394997,"end":45.774998,"sentiment":"neutral","sentiment_score":0.3307080090045929},{"text":"Yeah.","start":50.394997,"end":50.875,"sentiment":"neutral","sentiment_score":-0.15575677156448364},{"text":"You sound tired.","start":50.875,"end":51.835,"sentiment":"neutral","sentiment_score":-0.26004452506701153},{"text":"I'm so sorry.","start":51.835,"end":52.475,"sentiment":"neutral","sentiment_score":-0.23066592713197073},{"text":"I'll try not to take too much of your time.","start":52.475,"end":54.235,"sentiment":"neutral","sentiment_score":-0.20742378234863282}],"sentiment":"neutral","sentiment_score":-0.09311754121021791,"num_words":22,"start":44.394997,"end":54.235},{"sentences":[{"text":"I know you probably had a very long week thus far.","start":54.235,"end":56.655,"sentiment":"neutral","sentiment_score":-0.2153071625666185},{"text":"Essentially, we last time we caught up, we wanted to have a bit of a look at your super and the investments, and we have sort of noticed some changes that needed to be made to help you along towards your retirement goals there.","start":57.66,"end":67.58,"sentiment":"neutral","sentiment_score":0.07123902960765091},{"text":"So I just wanted to run through this with you.","start":67.58,"end":69.735,"sentiment":"neutral","sentiment_score":0.08271281644701958},{"text":"Are you able to access your emails at the moment?","start":70.135,"end":72.615,"sentiment":"neutral","sentiment_score":0.027129640616476536},{"text":"I just normally send through the document to you so you can review it with me.","start":72.615,"end":76.395004,"sentiment":"neutral","sentiment_score":0.027014708670321852}],"sentiment":"neutral","sentiment_score":0.025239543119384037,"num_words":91,"start":54.235,"end":76.395004},{"sentences":[{"text":"If you can't oh, that that's okay.","start":76.535,"end":79.975,"sentiment":"neutral","sentiment_score":-0.028101025814456598},{"text":"It's not a problem.","start":79.975,"end":80.855,"sentiment":"neutral","sentiment_score":0.13808701001107693},{"text":"I'll run through things as easily as possible.","start":80.855,"end":82.103004,"sentiment":"neutral","sentiment_score":0.16726034134626389},{"text":"I'll touch on the Please ask me any questions that you have, and I'll try to make it as easy as possible.","start":82.103004,"end":90.92,"sentiment":"neutral","sentiment_score":0.11058897558938373},{"text":"I do apologize in advance.","start":90.92,"end":92.619995,"sentiment":"neutral","sentiment_score":-0.026361262053251268}],"sentiment":"neutral","sentiment_score":0.08684510310463932,"num_words":46,"start":76.535,"end":92.619995},{"sentences":[{"text":"All good.","start":93.08,"end":93.74,"sentiment":"neutral","sentiment_score":0.2848881930112839},{"text":"Easy.","start":94.28,"end":94.78,"sentiment":"neutral","sentiment_score":0.2292759120464325},{"text":"So, Paul, with this one here, on the front of the document when you are looking at it, it has been noted prepared for yourself forward as of the 09/08/2026.","start":95.255,"end":103.835,"sentiment":"neutral","sentiment_score":0.06910040353735288},{"text":"All of our advice is valid for sixty days from the date of the document.","start":104.055,"end":107.095,"sentiment":"neutral","sentiment_score":0.08037711530923844},{"text":"So you can take some time to read it through.","start":107.095,"end":108.93,"sentiment":"neutral","sentiment_score":0.06679362449795008}],"sentiment":"neutral","sentiment_score":0.08182167894495972,"num_words":58,"start":93.08,"end":108.93},{"sentences":[{"text":"And then if you're happy to take on the recommendations, we'll get you signed and return that back there for us.","start":109.090004,"end":113.65,"sentiment":"positive","sentiment_score":0.336852212037359},{"text":"Okay?","start":113.65,"end":114.15,"sentiment":"neutral","sentiment_score":0.3058772087097168},{"text":"On the bottom of the document prepared by myself here, Dana Taylor, and my my team here at Ofori Financial, and my authorized representative number is 13043 sorry.","start":115.41,"end":125.005005,"sentiment":"neutral","sentiment_score":0.14648576639592648},{"text":"130 4394.","start":125.005005,"end":126.765,"sentiment":"neutral","sentiment_score":0.008580184075981379},{"text":"My apologies.","start":126.765,"end":127.325005,"sentiment":"neutral","sentiment_score":-0.12541965395212173}],"sentiment":"neutral","sentiment_score":0.20829067001533177,"num_words":54,"start":109.090004,"end":127.325005},{"sentences":[{"text":"A bit tongue tied this afternoon.","start":127.325005,"end":128.785,"sentiment":"neutral","sentiment_score":-0.22998698304096857},{"text":"And I'm registered as an adviser with ASIC there as well.","start":130.045,"end":133.185,"sentiment":"neutral","sentiment_score":0.011592797088352117},{"text":"As you scroll through the document, you'll see the best interest duties, table of contents, and then we've got some scoping, some areas that we are and are not looking at with regards to this advice piece.","start":133.485,"end":142.81,"sentiment":"neutral","sentiment_score":0.028920935743765253},{"text":"Essentially, last time we spoke, your goal to access Super was around about age 65, hopefully, drawing an income of around about $700 per week to cover your living expenses.","start":143.51,"end":154.235,"sentiment":"neutral","sentiment_score":0.1053012100358804},{"text":"Is that still fairly appropriate for your goal?","start":154.295,"end":156.295,"sentiment":"neutral","sentiment_score":0.14005487505346537}],"sentiment":"neutral","sentiment_score":0.044534226019016424,"num_words":92,"start":127.325005,"end":156.295},{"sentences":[{"text":"Do you think that might have changed at all?","start":156.295,"end":158.235,"sentiment":"neutral","sentiment_score":-0.012173405124081505},{"text":"Fantastic.","start":160.21501,"end":160.71501,"sentiment":"positive","sentiment_score":0.6484265327453613},{"text":"I've also got down here we consider your insurances.","start":161.255,"end":163.675,"sentiment":"neutral","sentiment_score":0.3143143124050564},{"text":"So you were happy to retain the level of cover you have within MLC at the time you were having so you were on light duties and having some shoulder surgery.","start":163.895,"end":171.83,"sentiment":"neutral","sentiment_score":0.21795348582729215},{"text":"How did that go, and are you back sort of full time, or how was everything since that surgery?","start":171.83,"end":176.17,"sentiment":"neutral","sentiment_score":0.11362695341047488}],"sentiment":"neutral","sentiment_score":0.17801688222781473,"num_words":69,"start":156.295,"end":176.17},{"sentences":[{"text":"Yeah.","start":179.895,"end":180.395,"sentiment":"neutral","sentiment_score":-0.07962682843208313},{"text":"Okay.","start":184.375,"end":184.875,"sentiment":"neutral","sentiment_score":-0.0850621685385704},{"text":"Oh, yeah.","start":189.49501,"end":190.29501,"sentiment":"neutral","sentiment_score":-0.23014432191848755},{"text":"You poor thing.","start":190.29501,"end":191.095,"sentiment":"negative","sentiment_score":-0.5526043772697449},{"text":"Oh, you must be in pain as well while they're trying to figure it all out.","start":191.095,"end":194.49,"sentiment":"negative","sentiment_score":-0.3860513726249337}],"sentiment":"negative","sentiment_score":-0.36780924933112186,"num_words":23,"start":179.895,"end":194.49},{"sentences":[{"text":"No.","start":196.06999,"end":196.47,"sentiment":"neutral","sentiment_score":-0.28653621673583984},{"text":"I'm so sorry to hear that, Paul.","start":196.47,"end":198.15,"sentiment":"neutral","sentiment_score":-0.23384233670575277},{"text":"Well, we'll definitely retain those insurances for the time being, but I have this I have considered them as part of the advice because, essentially, they are paid out of your super.","start":198.15,"end":206.41,"sentiment":"neutral","sentiment_score":0.0440217069699429},{"text":"So it's important to consider them when we are projecting things forward for you.","start":206.82501,"end":210.74501,"sentiment":"neutral","sentiment_score":0.11987806696976934},{"text":"Okay?","start":210.74501,"end":211.24501,"sentiment":"neutral","sentiment_score":0.08546528220176697}],"sentiment":"neutral","sentiment_score":0.02270945943892002,"num_words":55,"start":196.06999,"end":211.24501},{"sentences":[{"text":"We've also got the estate planning.","start":212.10501,"end":213.96501,"sentiment":"neutral","sentiment_score":0.0942767895758152},{"text":"Essentially, you do have your beneficiaries on file.","start":214.185,"end":216.265,"sentiment":"neutral","sentiment_score":0.08468691213056445},{"text":"You are happy to do so, but I have put a little bit in here to recommend that you do speak to a solicitor to draw up a will and power of attorney to make sure the other areas of estate planning are fully sorted for you and your family.","start":216.265,"end":227.81,"sentiment":"neutral","sentiment_score":0.2584840784966946},{"text":"Okay.","start":227.95,"end":228.45,"sentiment":"neutral","sentiment_score":0.12431962043046953},{"text":"Excellent.","start":229.55,"end":230.05,"sentiment":"positive","sentiment_score":0.5124123096466064}],"sentiment":"neutral","sentiment_score":0.22430442256683653,"num_words":66,"start":212.10501,"end":230.05},{"sentences":[{"text":"Areas that we're not looking for advice at the moment is around income protection and trauma.","start":230.19,"end":234.11,"sentiment":"neutral","sentiment_score":-0.15587852941825986},{"text":"So you do hold life and TPD, but no income protection or trauma because you are on light duties and about to go through surgery.","start":234.11,"end":240.505,"sentiment":"neutral","sentiment_score":-0.1306147602200508},{"text":"Generally, to get new cover, we would have to be able to see you through that first and make sure that you're on the other side of it, the recovery side of things, and see what the doctor's report show.","start":240.565,"end":250.81,"sentiment":"neutral","sentiment_score":-0.038127476349473},{"text":"We can look at additional insurances down the track for you, but for the time being, we're just retaining what you currently have.","start":250.95,"end":256.65,"sentiment":"neutral","sentiment_score":0.01754905101235794},{"text":"And last time you and I spoke, you were happy with that as well.","start":256.71,"end":259.83,"sentiment":"neutral","sentiment_score":0.31956174064959797}],"sentiment":"neutral","sentiment_score":-0.02039857616774359,"num_words":118,"start":230.19,"end":259.83},{"sentences":[{"text":"Okay?","start":259.83,"end":260.33,"sentiment":"neutral","sentiment_score":0.1765010952949524},{"text":"Excellent.","start":261.35,"end":261.85,"sentiment":"positive","sentiment_score":0.4864022731781006},{"text":"And, also, cash flow and budgeting.","start":262.525,"end":264.125,"sentiment":"neutral","sentiment_score":0.20532782624165216},{"text":"So you are looking to purchase a house over the next sort of twelve months or so.","start":264.125,"end":268.065,"sentiment":"neutral","sentiment_score":0.061224479885662306},{"text":"Is that still a goal down the track, or is that just being pushed back a little bit more?","start":268.365,"end":271.885,"sentiment":"neutral","sentiment_score":-0.002100875797240358}],"sentiment":"neutral","sentiment_score":0.06581295099617405,"num_words":44,"start":259.83,"end":271.885},{"sentences":[{"text":"How's that goal?","start":271.885,"end":272.865,"sentiment":"neutral","sentiment_score":-0.032948785771926246},{"text":"Yeah.","start":275.965,"end":276.39,"sentiment":"neutral","sentiment_score":0.006479725241661072},{"text":"Understandable.","start":276.71002,"end":277.21002,"sentiment":"neutral","sentiment_score":-0.0027317851781845093},{"text":"It's a little bit hard to understand when when's the right time, isn't it?","start":277.91,"end":281.61002,"sentiment":"neutral","sentiment_score":-0.1507403664290905},{"text":"Yeah.","start":283.27002,"end":283.75,"sentiment":"neutral","sentiment_score":0.05668159574270248}],"sentiment":"neutral","sentiment_score":-0.10743909757584333,"num_words":20,"start":271.885,"end":283.75},{"sentences":[{"text":"All good.","start":283.75,"end":284.49002,"sentiment":"neutral","sentiment_score":0.16022077202796936},{"text":"Then when you're looking at the document, we do have the about you section, your assets and liabilities noted as per our last conversation there, and then an outline of your current insurance policy.","start":284.95,"end":293.935,"sentiment":"neutral","sentiment_score":0.02881146052523571},{"text":"So within MLC, there at the moment, you have your life and TBD cover.","start":293.935,"end":297.63498,"sentiment":"neutral","sentiment_score":0.02016282341043864},{"text":"You have a sum insured of 90,820 between the two, and the premium for those paid out of the MLC is $1,113.35 for the year.","start":297.935,"end":308.83,"sentiment":"neutral","sentiment_score":0.05137875333428383},{"text":"Okay?","start":308.83,"end":309.33,"sentiment":"neutral","sentiment_score":0.05830942466855049}],"sentiment":"neutral","sentiment_score":0.038488012995865,"num_words":76,"start":283.75,"end":309.33},{"sentences":[{"text":"Excellent.","start":310.19,"end":310.69,"sentiment":"positive","sentiment_score":0.39038822054862976},{"text":"Now to start sort of going through the recommendations there for you, I did go back and look at all of your super and the investments within to sort of see how everything was tracking for you.","start":310.91,"end":319.485,"sentiment":"neutral","sentiment_score":0.1354178973549121},{"text":"Within hub twenty four at the moment, your current balance is 81,070, and then we've also got about thirty three thousand one thirty eight within MLC there at the moment.","start":319.805,"end":329.425,"sentiment":"neutral","sentiment_score":0.021609091913948456},{"text":"Between the two funds, you do have your admin fees, investment fees, the ongoing service fee for us looking after everything comes out of hub twenty four, and contributions going into MLC, which is also where your insurance premiums are deducted from.","start":330.04498,"end":342.56,"sentiment":"neutral","sentiment_score":0.04297527027804227},{"text":"When we sort of spoke last time, you we did your risk profiling, had a bit of a chat about you being a growth investor, which has a eighty twenty split, if you remember to that conversation there.","start":343.82,"end":353.565,"sentiment":"neutral","sentiment_score":0.03908688168188459}],"sentiment":"neutral","sentiment_score":0.0631039597005961,"num_words":148,"start":310.19,"end":353.565},{"sentences":[{"text":"So 80 percent growth, 20% low risk defensive investments.","start":353.625,"end":357.085,"sentiment":"neutral","sentiment_score":0.1767272593246566},{"text":"You were fairly happy with that.","start":357.705,"end":358.92,"sentiment":"positive","sentiment_score":0.4061202531059583},{"text":"It does sort of suit someone who has a six year time horizon for accessing super.","start":358.92,"end":362.84,"sentiment":"positive","sentiment_score":0.3841110784560442},{"text":"Are you still comfortable in that portfolio or that risk level here?","start":362.84,"end":367.1,"sentiment":"neutral","sentiment_score":0.09653651993721724},{"text":"Beautiful.","start":367.24,"end":367.74,"sentiment":"positive","sentiment_score":0.4815788865089417}],"sentiment":"neutral","sentiment_score":0.26847866440022533,"num_words":44,"start":353.625,"end":367.74},{"sentences":[{"text":"When I look at your current portfolio, I did note there were some underperforming assets.","start":368.52,"end":372.7,"sentiment":"neutral","sentiment_score":-0.08973379582166671},{"text":"So, essentially, this year, we have seen a lot of volatility in the market.","start":372.78497,"end":376.00497,"sentiment":"neutral","sentiment_score":-0.21757344901561737},{"text":"There has been a lot of ups and downs with everything that has been going on.","start":376.22498,"end":379.185,"sentiment":"neutral","sentiment_score":-0.24776921141892672},{"text":"And so I have sort of found that there's maybe some changes that we need to make to your portfolio to make sure it does work a little bit harder for you.","start":379.185,"end":386.245,"sentiment":"neutral","sentiment_score":-0.19006063300184906},{"text":"When we look at how everything has been performing over the past five years, and when you look at the past five years, there has been a lot of ups and downs.","start":386.36,"end":393.24,"sentiment":"neutral","sentiment_score":-0.14484469685703516}],"sentiment":"neutral","sentiment_score":-0.17498452441954832,"num_words":109,"start":368.52,"end":393.24},{"sentences":[{"text":"The market has not been steady in the past five years at at all.","start":393.24,"end":397.26,"sentiment":"neutral","sentiment_score":-0.13619954245431082},{"text":"And, essentially, when wow.","start":398.6,"end":403.665,"sentiment":"neutral","sentiment_score":-0.17536139488220215},{"text":"Yeah.","start":404.605,"end":405.085,"sentiment":"neutral","sentiment_score":-0.08530119061470032},{"text":"No.","start":405.085,"end":405.325,"sentiment":"neutral","sentiment_score":-0.139258474111557},{"text":"Well, if you ever feel like that, please give me a call.","start":405.325,"end":407.645,"sentiment":"neutral","sentiment_score":-0.06773801768819492}],"sentiment":"neutral","sentiment_score":-0.11392672033980489,"num_words":32,"start":393.24,"end":407.645},{"sentences":[{"text":"I am here to help and to talk you through those times.","start":407.645,"end":410.145,"sentiment":"neutral","sentiment_score":0.08581604436039925},{"text":"I don't want you to feel like you have to stress on your own, and we do a lot of looking at the markets and a lot of talking people through things like that.","start":410.205,"end":417.09,"sentiment":"neutral","sentiment_score":-0.22667982451179447},{"text":"And my job is to help you stop you from making rash decisions as well.","start":417.09,"end":420.53,"sentiment":"neutral","sentiment_score":0.12708682790398598},{"text":"So if you wanna use me as a sounding board, you are more than welcome to do that.","start":420.53,"end":424.77002,"sentiment":"neutral","sentiment_score":0.23046307182974285},{"text":"Okay?","start":424.77002,"end":425.27002,"sentiment":"neutral","sentiment_score":0.15911316871643066}],"sentiment":"neutral","sentiment_score":-0.005794632760807872,"num_words":80,"start":407.645,"end":425.27002},{"sentences":[{"text":"Excellent.","start":425.81,"end":426.31,"sentiment":"positive","sentiment_score":0.555861234664917},{"text":"So when I have a look at how between MLC and Hub twenty four over the past five years, your portfolio jointly has been performing.","start":427.815,"end":434.715,"sentiment":"neutral","sentiment_score":0.02554106019437313},{"text":"I wasn't overly impressed.","start":435.255,"end":436.61502,"sentiment":"negative","sentiment_score":-0.4039034768939018},{"text":"It's averaged about 5.91% on a yearly basis.","start":436.61502,"end":439.73502,"sentiment":"neutral","sentiment_score":-0.17475891299545765},{"text":"I'm not really happy with that.","start":439.73502,"end":440.855,"sentiment":"negative","sentiment_score":-0.5640923182169596}],"sentiment":"neutral","sentiment_score":-0.11826934957538139,"num_words":44,"start":425.81,"end":440.855},{"sentences":[{"text":"I wanted to sort of look at how we could make things work a bit harder for you and readjust your portfolio to make it work better.","start":440.855,"end":447.15,"sentiment":"neutral","sentiment_score":-0.1202798763083087},{"text":"Essentially, with the recommendations, I am recommending you retain the two funds, HUB24 and MLC.","start":447.44998,"end":453.55,"sentiment":"neutral","sentiment_score":0.026199388752381005},{"text":"The funds themselves are absolutely fine.","start":453.93,"end":456.27,"sentiment":"neutral","sentiment_score":0.1475520208477974},{"text":"Essentially, if we had looked and I did look at moving to another platform.","start":456.775,"end":460.555,"sentiment":"neutral","sentiment_score":-0.009079687563436372},{"text":"However, within Hub twenty four, whenever any even MLC, whenever you sell down investments, your super fund pays capital gains and income tax.","start":460.615,"end":469.095,"sentiment":"neutral","sentiment_score":-0.01725095040772272}],"sentiment":"neutral","sentiment_score":-0.029331072814324323,"num_words":85,"start":440.855,"end":469.095},{"sentences":[{"text":"It does a tax return every year just like you do.","start":469.095,"end":471.6,"sentiment":"neutral","sentiment_score":-0.013309423896399412},{"text":"So in order to settle down all the investments and move to whole new platforms, it does require capital gains consequences.","start":472.0,"end":478.5,"sentiment":"neutral","sentiment_score":-0.025224097960052035},{"text":"And I want to minimize that as much as possible because, realistically, lowering the tax consequences mean, essentially, like, if you paid near $5 in in capital gains tax, that comes off your balance, essentially.","start":478.64,"end":491.115,"sentiment":"neutral","sentiment_score":0.011774068219321115},{"text":"So, realistically, minimizing that cost helps your balance continue to grow, if that makes sense.","start":491.175,"end":496.875,"sentiment":"neutral","sentiment_score":0.08497799957791964},{"text":"Yeah.","start":497.815,"end":498.315,"sentiment":"neutral","sentiment_score":0.049069128930568695}],"sentiment":"neutral","sentiment_score":0.012767732412700194,"num_words":83,"start":469.095,"end":498.315},{"sentences":[{"text":"So recommending your retention of MLC and hub twenty four, because you've got 33,000 in MLC at the moment, we do wanna roll over all but 10,000, just retaining that 10,000 in the MLC and moving the rest of the funds over to hub twenty four.","start":498.93002,"end":513.03,"sentiment":"neutral","sentiment_score":0.0498596143949291},{"text":"Essentially, that would leave you with a balance in hub twenty four of about 104200 and four, which is fantastic.","start":513.76495,"end":519.785,"sentiment":"neutral","sentiment_score":0.16538053937256336},{"text":"It's I understand.","start":522.565,"end":523.545,"sentiment":"neutral","sentiment_score":0.025865877668062847},{"text":"Yeah.","start":523.685,"end":523.925,"sentiment":"neutral","sentiment_score":0.030864758417010307},{"text":"And your insurances, your life and TPD, which is important to keep for the moment.","start":523.925,"end":528.02496,"sentiment":"neutral","sentiment_score":0.044268276045719784}],"sentiment":"neutral","sentiment_score":0.07498399507911767,"num_words":85,"start":498.93002,"end":528.02496},{"sentences":[{"text":"Yeah.","start":528.245,"end":528.745,"sentiment":"neutral","sentiment_score":0.07450176775455475},{"text":"Yeah.","start":529.13,"end":529.63,"sentiment":"neutral","sentiment_score":0.0625683143734932},{"text":"Yeah.","start":530.09,"end":530.59,"sentiment":"neutral","sentiment_score":0.10698366165161131},{"text":"I will sorta go through an adjustment of the portfolio, but when I looked at the capital gains consequences for being able to adjust your portfolio, it came to $4.","start":530.81,"end":539.93,"sentiment":"neutral","sentiment_score":0.11603211636344592},{"text":"So I was really happy with that.","start":539.93,"end":541.545,"sentiment":"positive","sentiment_score":0.6497557801859719}],"sentiment":"neutral","sentiment_score":0.20683269239962102,"num_words":40,"start":528.245,"end":541.545},{"sentences":[{"text":"That's pretty yeah.","start":543.545,"end":545.385,"sentiment":"positive","sentiment_score":0.41455305616060895},{"text":"Exactly.","start":545.385,"end":545.865,"sentiment":"neutral","sentiment_score":0.19896528124809265},{"text":"If I need capital gains, I mean, if I need to pay $4 in tax more regularly.","start":545.865,"end":549.885,"sentiment":"neutral","sentiment_score":0.07025257213150754},{"text":"Essentially, moving over, the admin fee does increase slightly because we are putting more money in the hub 24.","start":553.065,"end":558.42004,"sentiment":"neutral","sentiment_score":0.10370809839744317},{"text":"I expect it to increase by about $40 per year.","start":558.42004,"end":560.98004,"sentiment":"neutral","sentiment_score":0.1339729256927967}],"sentiment":"neutral","sentiment_score":0.1189420260488987,"num_words":50,"start":543.545,"end":560.98004},{"sentences":[{"text":"It's a very minor increase there.","start":560.98004,"end":562.84,"sentiment":"neutral","sentiment_score":0.13317310561736426},{"text":"However, the newer portfolio is expected to save you $388.","start":563.14,"end":568.02,"sentiment":"positive","sentiment_score":0.35111274719238283},{"text":"So I was able to find a portfolio that was much cheaper for you and save you $388 for the year, which is also a benefit and a bonus there.","start":568.02,"end":576.945,"sentiment":"positive","sentiment_score":0.3515766829252243},{"text":"Excellent.","start":579.005,"end":579.48505,"sentiment":"positive","sentiment_score":0.4664245843887329},{"text":"The newer portfolio has also averaged 9.86% over the past five years as well between MLC and Hub twenty four.","start":579.48505,"end":586.77,"sentiment":"positive","sentiment_score":0.40313646420836446}],"sentiment":"positive","sentiment_score":0.34905403674538454,"num_words":67,"start":560.98004,"end":586.77},{"sentences":[{"text":"So I was very happy to be able to look at something that's performing better.","start":586.77,"end":590.15,"sentiment":"positive","sentiment_score":0.7029033501942953},{"text":"And when when you consider the ups and downs over the last five years, if this portfolio has averaged 9.86%, moving forward, it should be able to obtain close to that on a regular basis as well.","start":590.37,"end":600.105,"sentiment":"neutral","sentiment_score":0.21866104671278516},{"text":"Okay?","start":600.105,"end":600.605,"sentiment":"neutral","sentiment_score":0.10297799110412598},{"text":"Excellent.","start":601.785,"end":602.285,"sentiment":"positive","sentiment_score":0.4995962977409363},{"text":"So, realistically, that should put you in a much greater position, also save you in keys fees, sorry, and minimize the CDT cost as much as possible, which was a benefit and a positive for you.","start":602.505,"end":612.985,"sentiment":"positive","sentiment_score":0.4369225642747349}],"sentiment":"positive","sentiment_score":0.38850883982247775,"num_words":90,"start":586.77,"end":612.985},{"sentences":[{"text":"Alright?","start":612.985,"end":613.485,"sentiment":"neutral","sentiment_score":0.0862688347697258},{"text":"In to sort of in a nutshell, and I'm so sorry, to run you through just a basic run through of what we're gonna replace, essentially, we're not changing the investments within NMLC.","start":614.77,"end":624.95,"sentiment":"neutral","sentiment_score":0.03716327342165945},{"text":"The growth portfolio within that is absolutely fine.","start":625.09,"end":627.41003,"sentiment":"neutral","sentiment_score":0.2506521064788103},{"text":"We're only retaining 10,000 in there as well and keeping your contributions going in.","start":627.41003,"end":632.155,"sentiment":"neutral","sentiment_score":0.24258213064500264},{"text":"So there's no change there.","start":632.155,"end":633.275,"sentiment":"neutral","sentiment_score":0.07448656708002091}],"sentiment":"neutral","sentiment_score":0.11617141596631331,"num_words":61,"start":612.985,"end":633.275},{"sentences":[{"text":"We're just gonna roll 2300138 over in the hub twenty four.","start":633.275,"end":637.775,"sentiment":"neutral","sentiment_score":0.1267748630859635},{"text":"Within hub twenty four, we're going to increase your exposure into gold from five to 8%.","start":638.155,"end":644.495,"sentiment":"neutral","sentiment_score":0.15249747596681118},{"text":"We're gonna remove the physical silver completely.","start":644.64,"end":647.3,"sentiment":"neutral","sentiment_score":-0.15871022641658783},{"text":"This investment is a bit underperforming.","start":647.36,"end":648.98004,"sentiment":"negative","sentiment_score":-0.4619279106458028},{"text":"It has been good in the past, but right now, it's worth removing from the portfolio completely.","start":649.28,"end":653.94,"sentiment":"neutral","sentiment_score":-0.2707151919603348}],"sentiment":"neutral","sentiment_score":-0.0815827053105622,"num_words":57,"start":633.275,"end":653.94},{"sentences":[{"text":"We've also got the Ben along Australian Equities in there.","start":655.28,"end":657.84,"sentiment":"neutral","sentiment_score":-0.0015216808766126636},{"text":"That now is underperforming as well.","start":657.84,"end":659.29333,"sentiment":"neutral","sentiment_score":-0.13469423602024713},{"text":"They've had some underlying issues, and I longer.","start":659.29333,"end":663.445,"sentiment":"neutral","sentiment_score":-0.1917976588010788},{"text":"So I'm removing that wholly from the portfolio as well.","start":663.445,"end":666.10504,"sentiment":"neutral","sentiment_score":-0.12010203786194325},{"text":"And then you've got the Vanguard diversified index in there as well.","start":667.445,"end":670.965,"sentiment":"neutral","sentiment_score":0.10340160131454468}],"sentiment":"neutral","sentiment_score":-0.05039053604654644,"num_words":46,"start":655.28,"end":670.965},{"sentences":[{"text":"That, again, is being completely removed, hasn't been performing as well, and we have other ways to provide diversification within your portfolio that provide greater performance, which is good.","start":670.965,"end":681.79004,"sentiment":"neutral","sentiment_score":0.2547985278069973},{"text":"You've got the cybersecurity globe so global cybersecurity in your portfolio.","start":683.29004,"end":687.79004,"sentiment":"neutral","sentiment_score":0.2138181599703702},{"text":"You currently have 6%.","start":687.85004,"end":689.245,"sentiment":"neutral","sentiment_score":0.06939291767776012},{"text":"We wanna reweight that to five.","start":689.245,"end":691.08496,"sentiment":"neutral","sentiment_score":0.09825217599670093},{"text":"You're a little bit overexposed at the moment, so rebalancing this back a little bit is just as important.","start":691.08496,"end":695.82495,"sentiment":"neutral","sentiment_score":0.036507729440927505}],"sentiment":"neutral","sentiment_score":0.16379548771225888,"num_words":69,"start":670.965,"end":695.82495},{"sentences":[{"text":"We've also got the battery and lithium tech.","start":697.32495,"end":699.56494,"sentiment":"neutral","sentiment_score":0.00024413852952420733},{"text":"That is being removed completely from the portfolio as is the MorningStar Global tech.","start":699.56494,"end":703.98004,"sentiment":"neutral","sentiment_score":-0.017462359741330147},{"text":"Essentially, you'll still have access to tech stocks, but we found a cheaper way to do that, which has got greater past performance.","start":703.98004,"end":709.9,"sentiment":"neutral","sentiment_score":0.07363475041221017},{"text":"And one of the things I wanted to look at because as you get older, you wanna make sure your super balance is growing.","start":709.9,"end":715.36005,"sentiment":"neutral","sentiment_score":0.07301636831834912},{"text":"We wanted to sort of limit the fees where possible whilst giving you still exposure to areas of growth.","start":715.785,"end":720.825,"sentiment":"neutral","sentiment_score":0.07035367484939725}],"sentiment":"neutral","sentiment_score":0.05159309083087878,"num_words":88,"start":697.32495,"end":720.825},{"sentences":[{"text":"So I'm gonna remove those completely from the portfolio.","start":720.825,"end":723.805,"sentiment":"neutral","sentiment_score":-0.05179526284337044},{"text":"I'm also gonna remove the iShares Europe out of the portfolio as well.","start":725.065,"end":729.64,"sentiment":"neutral","sentiment_score":0.030780870037583206},{"text":"We're still gonna have European exposure, but just moving that investment and investing in Europe and other areas for you.","start":729.64,"end":735.9,"sentiment":"neutral","sentiment_score":0.08101155180484057},{"text":"The S and P 500 is the top 500 companies in The US.","start":737.72,"end":741.195,"sentiment":"neutral","sentiment_score":0.06779595980277428},{"text":"We are keeping that in the portfolio, but you've got 24% there currently.","start":741.195,"end":745.435,"sentiment":"neutral","sentiment_score":0.07463405309961392}],"sentiment":"neutral","sentiment_score":0.050085516893030965,"num_words":68,"start":720.825,"end":745.435},{"sentences":[{"text":"So we only wanna hold 20% of that investment, so it just means we're gonna reweight the portfolio a little bit.","start":745.435,"end":751.695,"sentiment":"neutral","sentiment_score":0.08894802381594975},{"text":"And then you've also got the iShares Asia.","start":752.315,"end":754.635,"sentiment":"neutral","sentiment_score":0.0719395549967885},{"text":"We're still gonna hold Asia exposure, but we're gonna remove that investment and hold it in another way.","start":754.635,"end":759.91003,"sentiment":"neutral","sentiment_score":0.038237336919539504},{"text":"You've also got the Vanguard Australian fixed interest.","start":760.93,"end":763.41003,"sentiment":"neutral","sentiment_score":0.054503024788573384},{"text":"We still wanna hold fixed interest investments, but I've got another way to do that, which has been showing greater performance.","start":763.41003,"end":769.83,"sentiment":"neutral","sentiment_score":0.09727447905710765}],"sentiment":"neutral","sentiment_score":0.0738221745153791,"num_words":76,"start":745.435,"end":769.83},{"sentences":[{"text":"So we're gonna remove that investment wholly from there as well.","start":770.375,"end":773.435,"sentiment":"neutral","sentiment_score":-0.023027403957464478},{"text":"We're instead, we're going to replace essentially, we're gonna buy into the India quality ETF to give you 5% exposure into India, which has seen some very good growth, and we do expect that moving forward as well.","start":774.21497,"end":786.83,"sentiment":"neutral","sentiment_score":0.2838366321827236},{"text":"So we're gonna increase or add some India exposure into your portfolio.","start":786.83,"end":790.93005,"sentiment":"neutral","sentiment_score":0.2005180406073729},{"text":"We're also gonna add some global health care.","start":791.63,"end":795.01,"sentiment":"neutral","sentiment_score":0.1323125557973981},{"text":"Essentially, this is looking at global health care.","start":795.47003,"end":799.15,"sentiment":"neutral","sentiment_score":0.13473118003457785}],"sentiment":"neutral","sentiment_score":0.19577996043319051,"num_words":77,"start":770.375,"end":799.15},{"sentences":[{"text":"Health care is still a very big space, especially since COVID, and this is giving you exposure globally.","start":799.15,"end":804.265,"sentiment":"neutral","sentiment_score":0.20180481175581613},{"text":"So it is increasing diversification and adding a niche area where we're still seeing growth.","start":804.405,"end":809.705,"sentiment":"neutral","sentiment_score":0.26565733353296916},{"text":"You do currently you don't currently have a lot because we're removing sorry.","start":810.405,"end":814.325,"sentiment":"neutral","sentiment_score":0.00911298025256166},{"text":"The Benelong Australian equities.","start":814.325,"end":815.98,"sentiment":"neutral","sentiment_score":-0.016430079471319914},{"text":"We kind of wanna add in there and make sure you have some exposure into Australian equities.","start":815.98,"end":821.04,"sentiment":"neutral","sentiment_score":0.03924577869474888}],"sentiment":"neutral","sentiment_score":0.12443691459414896,"num_words":67,"start":799.15,"end":821.04},{"sentences":[{"text":"So, essentially, we're gonna keep the beta shares Raffi Aussie two hundred, and we're also adding in the Australian beta shares a 200.","start":821.1,"end":829.83997,"sentiment":"neutral","sentiment_score":0.07751254478226537},{"text":"So these two investments are giving you exposure to some of the largest companies on the ASX.","start":829.925,"end":834.185,"sentiment":"neutral","sentiment_score":0.20282800057355097},{"text":"Between the two, it'll be at the 25% holding into the Australian market.","start":834.56494,"end":838.82495,"sentiment":"neutral","sentiment_score":0.15956521550050148},{"text":"And by removing Bannalong, which is being underperforming and adding these two investments in there, we're still keeping that exposure, adding more diversification, and providing you with a lower overall risk in your portfolio as well.","start":838.96497,"end":851.57,"sentiment":"neutral","sentiment_score":0.1903111291014486},{"text":"So that's a positive thing, and it's cheaper.","start":851.57,"end":853.91,"sentiment":"positive","sentiment_score":0.5938261188566685}],"sentiment":"neutral","sentiment_score":0.19491775195623182,"num_words":97,"start":821.1,"end":853.91},{"sentences":[{"text":"We've also got the JPMorgan re Research Enhanced Equity Fund.","start":854.76996,"end":858.76495,"sentiment":"neutral","sentiment_score":0.2580631598830223},{"text":"This one here is a little bit of an actively managed fund, but it's also very cost effective.","start":858.76495,"end":863.26495,"sentiment":"neutral","sentiment_score":0.3031473979353905},{"text":"It accesses and uses JPMorgan's research team in order to pick and choose where to invest, but it also does track global markets.","start":863.565,"end":872.20496,"sentiment":"neutral","sentiment_score":0.2544833486494811},{"text":"So it's, again, about providing diversification, but also making sure we can find good areas to provide growth for you as well down the track.","start":872.20496,"end":881.57,"sentiment":"neutral","sentiment_score":0.32746025681495666},{"text":"Okay?","start":881.63,"end":882.13,"sentiment":"neutral","sentiment_score":0.1446555256843567}],"sentiment":"neutral","sentiment_score":0.2885917367099167,"num_words":77,"start":854.76996,"end":882.13},{"sentences":[{"text":"We'll hold 15% of that investment there for you.","start":883.47,"end":886.02997,"sentiment":"neutral","sentiment_score":0.22295751091506746},{"text":"And then because we still wanna have defensive investments, we're also gonna include core composite bonds, giving you exposure to both government and corporate bonds, and the iShares Yield Plus, which is giving you access to high yielding or high income producing fixed interest and low risk investments, which is great.","start":886.02997,"end":903.185,"sentiment":"neutral","sentiment_score":0.30034882765190274},{"text":"Between the two of those holding 9% each, and that's giving you that, defensive component for your portfolio.","start":903.37,"end":909.07,"sentiment":"positive","sentiment_score":0.345513205561373},{"text":"Essentially, this is giving you greater diversification.","start":909.69,"end":912.03,"sentiment":"positive","sentiment_score":0.4397635885647365},{"text":"It has performed better.","start":912.49005,"end":914.03,"sentiment":"positive","sentiment_score":0.5948198437690735}],"sentiment":"neutral","sentiment_score":0.32585696633277317,"num_words":89,"start":883.47,"end":914.03},{"sentences":[{"text":"There's a very limited CGT costs for the change, and it's a cheaper portfolio as a whole.","start":914.57,"end":920.035,"sentiment":"positive","sentiment_score":0.46554573143229766},{"text":"So I felt it was a really good move to be able to switch that for you.","start":920.035,"end":924.295,"sentiment":"positive","sentiment_score":0.7259522133013782},{"text":"Yeah.","start":926.115,"end":926.615,"sentiment":"neutral","sentiment_score":0.01111452654004097},{"text":"That is a lot when you're not looking at the document, and you've had a long week.","start":926.755,"end":929.95496,"sentiment":"neutral","sentiment_score":-0.07012430797604953},{"text":"And I'm very sorry, Paul, do you have any questions that could come up at the moment?","start":929.95496,"end":934.18,"sentiment":"neutral","sentiment_score":-0.0824888462529463}],"sentiment":"neutral","sentiment_score":0.2561182023930377,"num_words":69,"start":914.57,"end":934.18},{"sentences":[{"text":"Excellent.","start":938.08,"end":938.58,"sentiment":"positive","sentiment_score":0.3634432554244995},{"text":"Excellent.","start":939.04004,"end":939.52,"sentiment":"neutral","sentiment_score":0.31463801860809326},{"text":"You're probably thinking, what is she on?","start":939.52,"end":941.46,"sentiment":"neutral","sentiment_score":0.12340774067810603},{"text":"That all good.","start":944.515,"end":945.415,"sentiment":"neutral","sentiment_score":0.2083930323521296},{"text":"We're all that's all good.","start":945.475,"end":948.915,"sentiment":"neutral","sentiment_score":0.2920170396566391}],"sentiment":"neutral","sentiment_score":0.21336469141875997,"num_words":17,"start":938.08,"end":948.915},{"sentences":[{"text":"I'll look after you.","start":948.915,"end":950.135,"sentiment":"neutral","sentiment_score":0.29707078635692596},{"text":"Essentially, the rest of that is just making sure we do retain the MLC account to keep your insurances in place.","start":951.315,"end":957.03,"sentiment":"neutral","sentiment_score":0.19947122037410736},{"text":"We'll make sure we have an opt in form applied as well just as a secondary backup in case you are off work for any period of time and not receiving contributions just to make sure everything stays in place insurance wise.","start":957.27,"end":967.45,"sentiment":"neutral","sentiment_score":0.12913004814514092},{"text":"And we'll keep reviewing that with you moving forward just to sort of make sure things are key tracking, that everything is working really well for you.","start":968.15,"end":975.855,"sentiment":"neutral","sentiment_score":0.32645530060485556},{"text":"The other thing I did kind of wanna just make sure that we had in line there was a brand new beneficiaries.","start":976.395,"end":982.175,"sentiment":"neutral","sentiment_score":0.1599564372815869}],"sentiment":"neutral","sentiment_score":0.19943082355091285,"num_words":116,"start":948.915,"end":982.175},{"sentences":[{"text":"Obviously, we haven't scoped this into the full extent, but one of the things we sort of want to look at when we spoke last time was that you had your beneficiaries split a little bit.","start":982.235,"end":991.66003,"sentiment":"neutral","sentiment_score":0.06871477110932271},{"text":"You wanted to kind of have your spouse receive 40% of the beneficiary, but then you also wanted to have a 60% directed to your children.","start":992.60004,"end":1002.515,"sentiment":"neutral","sentiment_score":0.10710464016749309},{"text":"And your children are adults.","start":1002.975,"end":1004.415,"sentiment":"neutral","sentiment_score":0.07724543809890747},{"text":"Is that correct?","start":1004.415,"end":1005.235,"sentiment":"neutral","sentiment_score":0.10925833880901337},{"text":"Yep.","start":1006.495,"end":1006.815,"sentiment":"positive","sentiment_score":0.40096089243888855}],"sentiment":"neutral","sentiment_score":0.08976641554437892,"num_words":71,"start":982.235,"end":1006.815},{"sentences":[{"text":"Beautiful.","start":1006.815,"end":1007.315,"sentiment":"positive","sentiment_score":0.6830017566680908},{"text":"So I have made a little bit of an extra provision in the back in here that with the beneficiaries, we actually redo them and split them.","start":1007.375,"end":1014.57,"sentiment":"neutral","sentiment_score":0.18153558505905998},{"text":"So we apply a binding non lapsing beneficiary to HUB 24 and binding lapsing into MLC.","start":1014.57,"end":1020.99,"sentiment":"neutral","sentiment_score":0.08553973166272044},{"text":"However, because of the tax consequences with the way the beneficiaries work so if you were to pass away, your spouse receives that 40% completely tax free.","start":1021.13,"end":1030.795,"sentiment":"neutral","sentiment_score":0.07625033209721248},{"text":"However, your children would actually receive the benefit, and they would have to they would actually pay tax on that benefit.","start":1030.795,"end":1037.295,"sentiment":"neutral","sentiment_score":0.09499558132319223}],"sentiment":"neutral","sentiment_score":0.11963874385084795,"num_words":92,"start":1006.815,"end":1037.295},{"sentences":[{"text":"So because they're because they're over 18, unfortunately, they see it's coming everywhere.","start":1037.79,"end":1042.93,"sentiment":"neutral","sentiment_score":-0.03336854185909033},{"text":"But being nontax dependent, your children would have to pay tax on that benefit.","start":1043.4701,"end":1047.65,"sentiment":"neutral","sentiment_score":-0.04184268947158541},{"text":"So what I've done to make alter the recommendation to make it more tax effective is that in both the super funds, we still nominate 40% to go to your spouse.","start":1047.7101,"end":1057.355,"sentiment":"neutral","sentiment_score":0.14820627339424625},{"text":"That's absolutely fine.","start":1057.495,"end":1058.875,"sentiment":"positive","sentiment_score":0.3449204166730245},{"text":"But then with the other 60%, we actually nominate that to go to your legal personal representative.","start":1058.9349,"end":1064.235,"sentiment":"neutral","sentiment_score":0.10520227735533434}],"sentiment":"neutral","sentiment_score":0.08202571466039771,"num_words":78,"start":1037.79,"end":1064.235},{"sentences":[{"text":"That means that if you pass away, the portion that's meant to go to your children would go to your will.","start":1064.455,"end":1069.75,"sentiment":"neutral","sentiment_score":0.13726366878975005},{"text":"You then just need to have a will in place that allocates that money however you wanted to to your children, and then it gets paid out.","start":1069.89,"end":1077.8301,"sentiment":"neutral","sentiment_score":0.15036619040701124},{"text":"There still are tax consequences, but it helps to minimize or reduce some of the tax payables so they end up with more of the benefit.","start":1077.9701,"end":1085.505,"sentiment":"neutral","sentiment_score":0.14108734706846568},{"text":"Does that make sense?","start":1085.505,"end":1086.645,"sentiment":"neutral","sentiment_score":0.12815293110907078},{"text":"Yeah.","start":1088.385,"end":1088.885,"sentiment":"neutral","sentiment_score":0.29547083377838135}],"sentiment":"neutral","sentiment_score":0.14454149072871933,"num_words":79,"start":1064.455,"end":1088.885},{"sentences":[{"text":"Beautiful.","start":1088.9451,"end":1089.4451,"sentiment":"positive","sentiment_score":0.5087794661521912},{"text":"So that's essentially how I've altered that recommendation.","start":1089.745,"end":1092.5651,"sentiment":"neutral","sentiment_score":0.27764351293444633},{"text":"It's a little bit more complex, but I've got some details in there to kinda break it down for you and to make it a little bit easier.","start":1092.785,"end":1098.66,"sentiment":"neutral","sentiment_score":0.2515792663076094},{"text":"All of the recommendations are outlined in there for you to review.","start":1099.28,"end":1102.16,"sentiment":"neutral","sentiment_score":0.22023663048942885},{"text":"We've also got a best interest duty, which relies it oh, sorry.","start":1102.16,"end":1105.36,"sentiment":"neutral","sentiment_score":0.18512002751231194}],"sentiment":"neutral","sentiment_score":0.23997421184035597,"num_words":61,"start":1088.9451,"end":1105.36},{"sentences":[{"text":"Relates it back to your goals and why we're making those recommendations for you.","start":1105.36,"end":1109.625,"sentiment":"neutral","sentiment_score":0.2542267143726349},{"text":"And then we've also got some information and the recommendations around the estate planning, the will, the power of attorney side of things, and some advantages, disadvantages, and risks involved for you to also consider there as well.","start":1109.785,"end":1122.025,"sentiment":"neutral","sentiment_score":0.10725103201050508},{"text":"Does that make sense?","start":1122.025,"end":1123.145,"sentiment":"neutral","sentiment_score":0.032558652106672525},{"text":"Do you have any questions at all?","start":1123.145,"end":1127.24,"sentiment":"neutral","sentiment_score":-0.008462564221450261},{"text":"No?","start":1127.24,"end":1127.74,"sentiment":"neutral","sentiment_score":-0.04683540761470795}],"sentiment":"neutral","sentiment_score":0.11966991357621737,"num_words":64,"start":1105.36,"end":1127.74},{"sentences":[{"text":"Beautiful.","start":1127.8,"end":1128.3,"sentiment":"neutral","sentiment_score":0.23581212759017944},{"text":"Depending on how much depending on how much reading you like to do, I've also got the appendices and all the product disclosure statements attached for you to run your eyes over.","start":1128.6001,"end":1137.885,"sentiment":"neutral","sentiment_score":0.038724154874216765},{"text":"And we also just need to update the ongoing service agreement as well.","start":1138.205,"end":1141.965,"sentiment":"neutral","sentiment_score":0.10118807365114872},{"text":"So if you can take some time when you've got when you're awake and you've had a bit of a rest and you can run your eyes over the document, have a read through.","start":1141.965,"end":1149.725,"sentiment":"neutral","sentiment_score":0.12278791363624965},{"text":"Please let me know if you do happen to have any questions in relation to any of it.","start":1149.725,"end":1153.5,"sentiment":"neutral","sentiment_score":0.18440117686986923}],"sentiment":"neutral","sentiment_score":0.10494326824816513,"num_words":98,"start":1127.8,"end":1153.5},{"sentences":[{"text":"And we've also attached the ongoing service agreement there as well.","start":1153.66,"end":1157.12,"sentiment":"neutral","sentiment_score":0.12966637719761243},{"text":"You do pay 1.65% for our services on a yearly basis.","start":1157.5,"end":1161.34,"sentiment":"neutral","sentiment_score":0.11531915109265935},{"text":"That is deducted from super on a small monthly basis, and that allows us to update the advice, keep looking after everything, and make sure we are tracking towards your retirement goals there as well.","start":1161.34,"end":1172.195,"sentiment":"neutral","sentiment_score":0.16836450568267278},{"text":"Beautiful.","start":1174.015,"end":1174.515,"sentiment":"positive","sentiment_score":0.6057907938957214},{"text":"I will leave it with you so you can take some time to read it through.","start":1175.0549,"end":1178.015,"sentiment":"positive","sentiment_score":0.41643943451344967}],"sentiment":"neutral","sentiment_score":0.21427594940807368,"num_words":74,"start":1153.66,"end":1178.015},{"sentences":[{"text":"If there are any questions, please let me know.","start":1178.015,"end":1180.095,"sentiment":"neutral","sentiment_score":0.21226269834571415},{"text":"There's no silly questions in my world.","start":1180.095,"end":1182.015,"sentiment":"neutral","sentiment_score":0.23178749425070627},{"text":"So if there's anything that's on your mind, you're welcome to let me know.","start":1182.015,"end":1185.68,"sentiment":"neutral","sentiment_score":0.2800890877842903},{"text":"Once you kinda have read it through and you've decided to take the advice and we implement that, I wanted to do a bit of a catch up maybe in three, six, or nine months.","start":1185.82,"end":1193.26,"sentiment":"neutral","sentiment_score":0.12820231233324322},{"text":"Would you like to do a bit of a catch up down the track and what time frame would suit you?","start":1193.26,"end":1197.365,"sentiment":"neutral","sentiment_score":0.05580296562541099}],"sentiment":"neutral","sentiment_score":0.1524775253912044,"num_words":86,"start":1178.015,"end":1197.365},{"sentences":[{"text":"Yeah.","start":1201.345,"end":1201.745,"sentiment":"neutral","sentiment_score":0.16202543675899506},{"text":"Beautiful.","start":1201.745,"end":1202.245,"sentiment":"positive","sentiment_score":0.4572855234146118},{"text":"I'll pop that in the calendar.","start":1202.385,"end":1203.665,"sentiment":"positive","sentiment_score":0.3612508674462636},{"text":"My team will give you a call.","start":1203.665,"end":1204.785,"sentiment":"neutral","sentiment_score":0.277322666985648},{"text":"We'll book in, and we'll have a bit of a chat just to see how things are tracking and whether any further changes need to take place there for you.","start":1204.785,"end":1211.32,"sentiment":"neutral","sentiment_score":0.23627103393276533}],"sentiment":"neutral","sentiment_score":0.26258235226074855,"num_words":45,"start":1201.345,"end":1211.32},{"sentences":[{"text":"How does that sound?","start":1211.32,"end":1212.2999,"sentiment":"neutral","sentiment_score":0.13479242287576199},{"text":"Easy.","start":1214.36,"end":1214.86,"sentiment":"neutral","sentiment_score":0.09767978638410568},{"text":"Well, thank you so much for your time, Paul.","start":1215.0,"end":1216.84,"sentiment":"positive","sentiment_score":0.5910323792033725},{"text":"I'll let you go.","start":1216.84,"end":1217.6399,"sentiment":"positive","sentiment_score":0.5084128081798553},{"text":"I hope you have a lovely day.","start":1217.6399,"end":1219.32,"sentiment":"positive","sentiment_score":0.5176272967032024}],"sentiment":"positive","sentiment_score":0.4645273280143738,"num_words":25,"start":1211.32,"end":1219.32},{"sentences":[{"text":"If you have any questions or need anything in the meantime, I am here.","start":1219.32,"end":1222.36,"sentiment":"neutral","sentiment_score":0.2987521450434412},{"text":"I'm more than happy to take your call and help you out.","start":1222.36,"end":1224.645,"sentiment":"positive","sentiment_score":0.7916461527347565},{"text":"Okay?","start":1224.885,"end":1225.385,"sentiment":"positive","sentiment_score":0.4478151202201843},{"text":"Thank you.","start":1227.365,"end":1228.005,"sentiment":"positive","sentiment_score":0.8466930985450745},{"text":"Enjoy your day.","start":1228.005,"end":1229.145,"sentiment":"positive","sentiment_score":0.815625806649526}],"sentiment":"positive","sentiment_score":0.5709488312713802,"num_words":32,"start":1219.32,"end":1229.145},{"sentences":[{"text":"Thanks, Paul.","start":1230.645,"end":1231.4451,"sentiment":"positive","sentiment_score":0.6922885775566101},{"text":"See you later.","start":1231.4451,"end":1232.345,"sentiment":"positive","sentiment_score":0.588284413019816},{"text":"Bye.","start":1233.045,"end":1233.545,"sentiment":"neutral","sentiment_score":0.1996846050024033}],"sentiment":"positive","sentiment_score":0.5581858331958452,"num_words":6,"start":1230.645,"end":1233.545}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good folks. Yeah. That's fine. Yeah. That's fine. Paul Head, 08/26/1979. 73 Green Street, California. Yeah. Busy busy, and I'm crook and I'm tired. Yep. Yep. Yep. I have actually got my computer turned on. Yeah. Sorry. Awesome. Yep. Yes. Yep. Yep. Yep. No. That'd be that'd be good. Well, I'm I'm still on light duties, and I've gotta have some nerve blockers before they recommend surgery. So they're trying to figure out when and where where it starts and where it ends and everything. So there's a bit going on. So yeah. Yeah. It's not great. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. That is fine. Yep. Yeah. I just wanna please push it back just because the interest rates in them at the moment. So yeah. Yep. Yep. Yeah. Jeffrey. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. No. I've noticed. I I got confused when COVID hit because I've nearly lost, like, $30, and I went, oh, hang on. Yep. Yep. Oh, that's a yep. Well, that's good. Yep. Yes. Yeah. Yep. Yep. Yep. For sure. That's fine. Yep. Yep. I think the only reason why I've got the email space because of my work cover. So yeah. Yep. Yep. Yep. Yes. Yep. Wait, mama. Yep. No. That's good. Yes. Yes. Yes. Yeah. No. That's good. Perfect. Mhmm. Yep. Yep. Yep. Yep. Yep. Awesome. Yes. Yes. No problem. Right. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. No. For sure. Thank you. Not at this stage. No. You're hoping you've you've got covered everything for me. So Like, someone knows what's going on. That's all that matters. Thanks. Yep. Yep. Awesome. Yep. Yep. Yes. Yes. Yeah. Alright. Can I get a second? Yep. Yep. Yep. Yep. Yep. Yep. Totally. Yep. Yep. Yep. No. No. This size. No. No. Yep. Yep. Yep. Yep. Yeah. That's fine. I don't know. Maybe in six months' time. Yeah. Not perfect. Bravo. Thank you very much. You too. Bye. Bye.","confidence":0.9260254,"words":[{"word":"hello","start":1.4399999,"end":1.9399999,"confidence":0.54730225,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.031473755836486816},{"word":"yeah","start":6.8799996,"end":7.12,"confidence":0.9160156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.31633108854293823},{"word":"good","start":7.12,"end":7.3599997,"confidence":0.90527344,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.6299848556518555},{"word":"folks","start":7.3599997,"end":7.8599997,"confidence":0.741333,"punctuated_word":"folks.","sentiment":"positive","sentiment_score":0.6186030507087708},{"word":"yeah","start":14.88,"end":15.12,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.189948707818985},{"word":"that's","start":15.12,"end":15.36,"confidence":0.99194336,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.301918625831604},{"word":"fine","start":15.36,"end":15.765,"confidence":0.9904785,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.32404664158821106},{"word":"yeah","start":24.404999,"end":24.645,"confidence":0.923584,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12056493759155272},{"word":"that's","start":24.645,"end":24.885,"confidence":0.94555664,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.20360040664672852},{"word":"fine","start":24.885,"end":25.385,"confidence":0.9975586,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.24459171295166016},{"word":"paul","start":35.3,"end":35.62,"confidence":0.77734375,"punctuated_word":"Paul","sentiment":"neutral","sentiment_score":0.023881979286670685},{"word":"head","start":35.62,"end":36.12,"confidence":0.4173584,"punctuated_word":"Head,","sentiment":"neutral","sentiment_score":0.017947368323802948},{"word":"08/26/1979","start":36.9,"end":39.24,"confidence":0.830828,"punctuated_word":"08/26/1979.","sentiment":"neutral","sentiment_score":0.018759984523057938},{"word":"73","start":39.78,"end":40.34,"confidence":0.7225342,"punctuated_word":"73","sentiment":"neutral","sentiment_score":0.019351067021489143},{"word":"green","start":40.34,"end":40.58,"confidence":0.7729492,"punctuated_word":"Green","sentiment":"neutral","sentiment_score":0.0254938043653965},{"word":"street","start":40.58,"end":40.82,"confidence":0.9667969,"punctuated_word":"Street,","sentiment":"neutral","sentiment_score":0.02077804133296013},{"word":"california","start":40.82,"end":41.32,"confidence":0.6088867,"punctuated_word":"California.","sentiment":"neutral","sentiment_score":0.037015873938798904},{"word":"yeah","start":46.515,"end":46.835,"confidence":0.96313477,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10456781834363936},{"word":"busy","start":46.835,"end":47.235,"confidence":0.9995117,"punctuated_word":"Busy","sentiment":"neutral","sentiment_score":-0.24565929174423215},{"word":"busy","start":47.235,"end":47.555,"confidence":0.59936523,"punctuated_word":"busy,","sentiment":"neutral","sentiment_score":-0.29808294773101807},{"word":"and","start":47.555,"end":48.055,"confidence":0.6298828,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4029704928398132},{"word":"i'm","start":48.195,"end":48.355,"confidence":0.99365234,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.5038636922836304},{"word":"crook","start":48.355,"end":48.675,"confidence":0.6915283,"punctuated_word":"crook","sentiment":"negative","sentiment_score":-0.5440711975097656},{"word":"and","start":48.675,"end":48.995,"confidence":0.72265625,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.46644383668899536},{"word":"i'm","start":48.995,"end":49.155,"confidence":0.84716797,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.4983587265014648},{"word":"tired","start":49.155,"end":49.655,"confidence":0.9885254,"punctuated_word":"tired.","sentiment":"negative","sentiment_score":-0.3733851909637451},{"word":"yep","start":52.595,"end":53.095,"confidence":0.95703125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.09135745465755464},{"word":"yep","start":57.155,"end":57.45,"confidence":0.9758301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.005698987748473883},{"word":"yep","start":70.25,"end":70.635,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.030483221635222435},{"word":"i","start":76.235,"end":76.475,"confidence":0.9194336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.017998389899730682},{"word":"have","start":76.475,"end":76.635,"confidence":0.68115234,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.016738269478082657},{"word":"actually","start":76.635,"end":76.875,"confidence":0.8588867,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.07592090964317322},{"word":"got","start":76.875,"end":77.115005,"confidence":0.9941406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.15264396369457245},{"word":"my","start":77.115005,"end":77.195,"confidence":0.99609375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.2077873945236206},{"word":"computer","start":77.195,"end":77.675,"confidence":0.99902344,"punctuated_word":"computer","sentiment":"neutral","sentiment_score":-0.12298375368118286},{"word":"turned","start":77.675,"end":77.915,"confidence":0.98291016,"punctuated_word":"turned","sentiment":"neutral","sentiment_score":-0.152028426527977},{"word":"on","start":77.915,"end":78.235,"confidence":0.9707031,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.09445568174123764},{"word":"yeah","start":78.235,"end":78.475,"confidence":0.8327637,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04319421201944351},{"word":"sorry","start":78.475,"end":78.975,"confidence":0.9863281,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.05625922977924347},{"word":"awesome","start":114.29,"end":114.79,"confidence":0.9020996,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.6192612648010254},{"word":"yep","start":125.57,"end":126.07,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.011021035723388197},{"word":"yes","start":133.94499,"end":134.44499,"confidence":0.6845703,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05191818252205849},{"word":"yep","start":143.385,"end":143.73,"confidence":0.86572266,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0913434624671936},{"word":"yep","start":157.48999,"end":157.97,"confidence":0.96850586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.013884123414754868},{"word":"yep","start":157.97,"end":158.29,"confidence":0.7697754,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03493581712245941},{"word":"no","start":158.29,"end":158.45,"confidence":0.7878418,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.009593881666660309},{"word":"that'd","start":158.45,"end":158.69,"confidence":0.744751,"punctuated_word":"That'd","sentiment":"neutral","sentiment_score":0.13564464449882507},{"word":"be","start":158.69,"end":158.93,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07769107818603516},{"word":"that'd","start":158.93,"end":159.25,"confidence":0.9316406,"punctuated_word":"that'd","sentiment":"neutral","sentiment_score":0.091441810131073},{"word":"be","start":159.25,"end":159.40999,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.123601496219635},{"word":"good","start":159.40999,"end":159.705,"confidence":0.99853516,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.10655854642391203},{"word":"well","start":176.95001,"end":177.19,"confidence":0.76708984,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.015609831549227238},{"word":"i'm","start":177.19,"end":177.69,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.035804953426122665},{"word":"i'm","start":177.99,"end":178.23001,"confidence":0.89575195,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04754006117582321},{"word":"still","start":178.23001,"end":178.55,"confidence":0.5830078,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.051047347486019135},{"word":"on","start":178.55,"end":178.63,"confidence":0.87890625,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04941975697875023},{"word":"light","start":178.63,"end":178.87001,"confidence":0.6645508,"punctuated_word":"light","sentiment":"neutral","sentiment_score":-0.03423057496547699},{"word":"duties","start":178.87001,"end":179.37001,"confidence":0.9020996,"punctuated_word":"duties,","sentiment":"neutral","sentiment_score":-0.03788892924785614},{"word":"and","start":179.43001,"end":179.91,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.027183739468455315},{"word":"i've","start":179.91,"end":180.15001,"confidence":0.9980469,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.1499091237783432},{"word":"gotta","start":180.15001,"end":180.55,"confidence":0.6982422,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.17997251451015472},{"word":"have","start":180.55,"end":180.95001,"confidence":0.8857422,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.21442104876041412},{"word":"some","start":180.95001,"end":181.27,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.25126150250434875},{"word":"nerve","start":181.27,"end":181.51001,"confidence":0.9921875,"punctuated_word":"nerve","sentiment":"neutral","sentiment_score":-0.1830943524837494},{"word":"blockers","start":181.51001,"end":181.99,"confidence":0.84716797,"punctuated_word":"blockers","sentiment":"neutral","sentiment_score":-0.2040874809026718},{"word":"before","start":181.99,"end":182.23001,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.1645059585571289},{"word":"they","start":182.23001,"end":182.55,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.16808174550533295},{"word":"recommend","start":182.55,"end":183.03,"confidence":0.9970703,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":-0.1497616469860077},{"word":"surgery","start":183.03,"end":183.43001,"confidence":0.9423828,"punctuated_word":"surgery.","sentiment":"neutral","sentiment_score":-0.1305370330810547},{"word":"so","start":183.43001,"end":183.67001,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09022262692451476},{"word":"they're","start":183.67001,"end":183.83,"confidence":0.9941406,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.08824657648801804},{"word":"trying","start":183.83,"end":184.07,"confidence":0.9970703,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.08379720151424408},{"word":"to","start":184.07,"end":184.15001,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08963368833065033},{"word":"figure","start":184.15001,"end":184.47,"confidence":1.0,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":-0.1246691718697548},{"word":"out","start":184.47,"end":184.97,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.07793863117694855},{"word":"when","start":185.43001,"end":185.67001,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.07995166629552841},{"word":"and","start":185.67001,"end":185.83,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06787233054637909},{"word":"where","start":185.83,"end":186.07,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.1007578819990158},{"word":"where","start":186.07,"end":186.31001,"confidence":0.88720703,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.0944550633430481},{"word":"it","start":186.31001,"end":186.47,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07645194977521896},{"word":"starts","start":186.47,"end":186.79001,"confidence":0.9941406,"punctuated_word":"starts","sentiment":"neutral","sentiment_score":-0.06753718852996826},{"word":"and","start":186.79001,"end":186.87001,"confidence":0.93359375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08064787834882736},{"word":"where","start":186.87001,"end":187.11,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.10561322420835496},{"word":"it","start":187.11,"end":187.27,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0880284458398819},{"word":"ends","start":187.27,"end":187.51001,"confidence":0.99902344,"punctuated_word":"ends","sentiment":"neutral","sentiment_score":-0.07125742733478546},{"word":"and","start":187.51001,"end":187.67001,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0963309407234192},{"word":"everything","start":187.67001,"end":188.07,"confidence":0.93237305,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":-0.11502577364444733},{"word":"so","start":188.07,"end":188.23001,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11912808567285538},{"word":"there's","start":188.23001,"end":188.47,"confidence":0.9970703,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.1260300874710083},{"word":"a","start":188.47,"end":188.55,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11609020829200745},{"word":"bit","start":188.55,"end":188.71,"confidence":0.9941406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.11747787892818452},{"word":"going","start":188.71,"end":188.95001,"confidence":0.9970703,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.13675910234451294},{"word":"on","start":188.95001,"end":189.27,"confidence":0.91259766,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.14807821810245514},{"word":"so","start":189.27,"end":189.585,"confidence":0.9482422,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.14604201912879944},{"word":"yeah","start":193.425,"end":193.925,"confidence":0.8532715,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.3111432194709778},{"word":"yeah","start":194.38501,"end":194.785,"confidence":0.95947266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.20905831456184387},{"word":"it's","start":194.785,"end":195.02501,"confidence":0.7895508,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.42921969294548035},{"word":"not","start":195.02501,"end":195.265,"confidence":0.98828125,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.39518216252326965},{"word":"great","start":195.265,"end":195.765,"confidence":0.96069336,"punctuated_word":"great.","sentiment":"negative","sentiment_score":-0.3822514712810517},{"word":"yep","start":202.24,"end":202.74,"confidence":0.779541,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02736810222268105},{"word":"yep","start":211.20001,"end":211.68001,"confidence":0.9187012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08488605916500092},{"word":"yep","start":211.68001,"end":212.18001,"confidence":0.9692383,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08010676503181458},{"word":"yep","start":228.49501,"end":228.72,"confidence":0.9719238,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1226363480091095},{"word":"yep","start":229.2,"end":229.7,"confidence":0.9658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2045015394687653},{"word":"yep","start":257.15,"end":257.65,"confidence":0.92407227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.27626311779022217},{"word":"yeah","start":259.87,"end":260.11,"confidence":0.97924805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16774529218673706},{"word":"that","start":260.11,"end":260.27,"confidence":0.86328125,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.28865331411361694},{"word":"is","start":260.27,"end":260.51,"confidence":0.3112793,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3022787272930145},{"word":"fine","start":260.51,"end":261.01,"confidence":0.9328613,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2763654589653015},{"word":"yep","start":261.07,"end":261.57,"confidence":0.9086914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2689315974712372},{"word":"yeah","start":264.765,"end":265.265,"confidence":0.6982422,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05351126194000244},{"word":"i","start":272.125,"end":272.20502,"confidence":0.65527344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.031236067414283752},{"word":"just","start":272.20502,"end":272.445,"confidence":0.38354492,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05051806941628456},{"word":"wanna","start":272.445,"end":272.68503,"confidence":0.52441406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.0669417455792427},{"word":"please","start":272.68503,"end":272.92502,"confidence":0.26611328,"punctuated_word":"please","sentiment":"neutral","sentiment_score":-0.11760663241147996},{"word":"push","start":272.92502,"end":273.165,"confidence":0.83251953,"punctuated_word":"push","sentiment":"neutral","sentiment_score":-0.06547509878873825},{"word":"it","start":273.165,"end":273.325,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11670521646738052},{"word":"back","start":273.325,"end":273.48502,"confidence":0.9970703,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.07272763550281525},{"word":"just","start":273.48502,"end":273.64502,"confidence":0.8569336,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0779648870229721},{"word":"because","start":273.64502,"end":273.885,"confidence":0.9760742,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09789656102657318},{"word":"the","start":273.885,"end":274.045,"confidence":0.6801758,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10090182721614838},{"word":"interest","start":274.045,"end":274.285,"confidence":0.97509766,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.0982300341129303},{"word":"rates","start":274.285,"end":274.52502,"confidence":0.69921875,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":-0.07032310962677002},{"word":"in","start":274.52502,"end":274.605,"confidence":0.27563477,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1426013708114624},{"word":"them","start":274.605,"end":274.765,"confidence":0.33154297,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.1340770721435547},{"word":"at","start":274.765,"end":274.92502,"confidence":0.95166016,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.11728454381227492},{"word":"the","start":274.92502,"end":275.08502,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0964403823018074},{"word":"moment","start":275.08502,"end":275.565,"confidence":0.814209,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.04922705143690109},{"word":"so","start":275.565,"end":276.065,"confidence":0.92822266,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0001912415027618408},{"word":"yeah","start":278.125,"end":278.52502,"confidence":0.93896484,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.08628849685192108},{"word":"yep","start":278.52502,"end":278.92502,"confidence":0.9255371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.15044963359832764},{"word":"yep","start":278.92502,"end":279.42502,"confidence":0.98657227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.16166871786117554},{"word":"yeah","start":281.61002,"end":281.93,"confidence":0.81152344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.028336944058537483},{"word":"jeffrey","start":281.93,"end":282.43,"confidence":0.77490234,"punctuated_word":"Jeffrey.","sentiment":"neutral","sentiment_score":-0.02703612484037876},{"word":"yep","start":309.32,"end":309.82,"confidence":0.9494629,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08453034609556198},{"word":"yep","start":309.96,"end":310.46,"confidence":0.93603516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16086445748806},{"word":"yep","start":320.185,"end":320.685,"confidence":0.7585449,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.011085903272032738},{"word":"yep","start":330.22,"end":330.72,"confidence":0.9885254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.030199741944670677},{"word":"yep","start":343.18,"end":343.66,"confidence":0.97631836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.033849045634269714},{"word":"yep","start":343.66,"end":344.055,"confidence":0.8937988,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03661383688449859},{"word":"yep","start":353.255,"end":353.755,"confidence":0.9875488,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06360676139593124},{"word":"yep","start":353.895,"end":354.395,"confidence":0.97094727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13833068311214447},{"word":"yep","start":357.88,"end":358.12,"confidence":0.84643555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20716235041618347},{"word":"yep","start":358.12,"end":358.62,"confidence":0.98535156,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.37874817848205566},{"word":"yep","start":365.16,"end":365.66,"confidence":0.9758301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09129820764064787},{"word":"yep","start":365.88,"end":366.38,"confidence":0.9748535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.028207194060087204},{"word":"yep","start":366.91,"end":367.16,"confidence":0.9724121,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07078422605991364},{"word":"yep","start":367.16,"end":367.66,"confidence":0.9550781,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21455562114715576},{"word":"yep","start":367.72,"end":368.22,"confidence":0.8256836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16935908794403076},{"word":"yep","start":386.55,"end":387.05,"confidence":0.8886719,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.11608719825744628},{"word":"yep","start":393.75,"end":394.25,"confidence":0.86083984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08571174740791321},{"word":"no","start":395.91,"end":396.07,"confidence":0.84106445,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.19122904539108276},{"word":"i've","start":396.07,"end":396.31,"confidence":0.7844238,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.20272928476333615},{"word":"noticed","start":396.31,"end":396.81,"confidence":0.88964844,"punctuated_word":"noticed.","sentiment":"neutral","sentiment_score":-0.19455650448799133},{"word":"i","start":398.685,"end":398.765,"confidence":0.95410156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20730437338352203},{"word":"i","start":398.765,"end":398.845,"confidence":0.72509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23024211823940277},{"word":"got","start":398.845,"end":399.085,"confidence":0.9472656,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.24259664118289948},{"word":"confused","start":399.085,"end":399.48502,"confidence":0.33374023,"punctuated_word":"confused","sentiment":"neutral","sentiment_score":-0.24525892734527588},{"word":"when","start":399.48502,"end":399.885,"confidence":0.8251953,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.1864580363035202},{"word":"covid","start":399.885,"end":400.36502,"confidence":0.876709,"punctuated_word":"COVID","sentiment":"neutral","sentiment_score":-0.2742574214935303},{"word":"hit","start":400.36502,"end":400.445,"confidence":0.9892578,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":-0.2796950936317444},{"word":"because","start":400.445,"end":400.685,"confidence":0.6928711,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2332599461078644},{"word":"i've","start":400.685,"end":400.845,"confidence":0.8679199,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.32596075534820557},{"word":"nearly","start":400.845,"end":401.165,"confidence":0.97509766,"punctuated_word":"nearly","sentiment":"negative","sentiment_score":-0.33614322543144226},{"word":"lost","start":401.165,"end":401.325,"confidence":0.9260254,"punctuated_word":"lost,","sentiment":"negative","sentiment_score":-0.36572957038879395},{"word":"like","start":401.325,"end":401.64502,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.3536522090435028},{"word":"$30","start":401.64502,"end":402.125,"confidence":0.8736572,"punctuated_word":"$30,","sentiment":"neutral","sentiment_score":-0.3286929726600647},{"word":"and","start":402.125,"end":402.285,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2301127463579178},{"word":"i","start":402.285,"end":402.36502,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.27821293473243713},{"word":"went","start":402.36502,"end":402.765,"confidence":0.90478516,"punctuated_word":"went,","sentiment":"neutral","sentiment_score":-0.19157084822654724},{"word":"oh","start":402.765,"end":402.845,"confidence":0.9758301,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.21433937549591064},{"word":"hang","start":402.845,"end":403.085,"confidence":1.0,"punctuated_word":"hang","sentiment":"neutral","sentiment_score":-0.2182035446166992},{"word":"on","start":403.085,"end":403.585,"confidence":1.0,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.20567843317985535},{"word":"yep","start":410.525,"end":410.88,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.19933730363845825},{"word":"yep","start":421.12,"end":421.62,"confidence":0.828125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17843782901763916},{"word":"oh","start":425.76,"end":425.92,"confidence":0.72436523,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.3091084957122803},{"word":"that's","start":425.92,"end":426.08002,"confidence":0.6477051,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.3988598585128784},{"word":"a","start":426.08002,"end":426.16,"confidence":0.2890625,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.42640674114227295},{"word":"yep","start":426.32,"end":426.675,"confidence":0.89697266,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.27536532282829285},{"word":"well","start":426.75497,"end":426.835,"confidence":0.67529297,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.4121653735637665},{"word":"that's","start":426.835,"end":427.07498,"confidence":0.9238281,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5009520053863525},{"word":"good","start":427.07498,"end":427.57498,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4697302579879761},{"word":"yep","start":444.77,"end":445.27,"confidence":0.98217773,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.04251309856772423},{"word":"yes","start":472.36,"end":472.86,"confidence":0.9758301,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.013812949880957603},{"word":"yeah","start":487.90997,"end":488.40997,"confidence":0.8613281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0040771011263132095},{"word":"yep","start":497.03,"end":497.18997,"confidence":0.69189453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.034744828939437866},{"word":"yep","start":497.18997,"end":497.43,"confidence":0.98706055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0333542674779892},{"word":"yep","start":497.43,"end":497.83,"confidence":0.9777832,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03866586089134216},{"word":"for","start":497.83,"end":497.99,"confidence":0.578125,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.04180411994457245},{"word":"sure","start":497.99,"end":498.49,"confidence":0.9980469,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.050714824348688126},{"word":"that's","start":510.405,"end":510.725,"confidence":0.9760742,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07367277145385742},{"word":"fine","start":510.725,"end":511.17,"confidence":0.7824707,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.07201384007930756},{"word":"yep","start":513.65,"end":514.15,"confidence":0.97802734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06513546407222748},{"word":"yep","start":518.37,"end":518.85004,"confidence":0.8781738,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13983449339866638},{"word":"i","start":518.85004,"end":519.01,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2596096992492676},{"word":"think","start":519.01,"end":519.25,"confidence":1.0,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.3767321705818176},{"word":"the","start":519.25,"end":519.33,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3259734511375427},{"word":"only","start":519.33,"end":519.57,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.10489027202129364},{"word":"reason","start":519.57,"end":519.81,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.0630616545677185},{"word":"why","start":519.81,"end":519.89,"confidence":0.96435547,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.06064707040786743},{"word":"i've","start":519.89,"end":520.05,"confidence":0.9946289,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.07581909000873566},{"word":"got","start":520.05,"end":520.21,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.03328630328178406},{"word":"the","start":520.21,"end":520.37,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02776465192437172},{"word":"email","start":520.37,"end":520.69,"confidence":0.34179688,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.07093217968940735},{"word":"space","start":520.69,"end":520.93,"confidence":0.13293457,"punctuated_word":"space","sentiment":"neutral","sentiment_score":0.057529378682374954},{"word":"because","start":520.93,"end":521.25,"confidence":0.53125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06203852593898773},{"word":"of","start":521.25,"end":521.41003,"confidence":0.8027344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.058213554322719574},{"word":"my","start":521.41003,"end":521.89,"confidence":0.97509766,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.04293693229556084},{"word":"work","start":521.89,"end":522.13,"confidence":0.92089844,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.05343198776245117},{"word":"cover","start":522.13,"end":522.45,"confidence":0.80688477,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.04595878720283508},{"word":"so","start":522.45,"end":522.95,"confidence":0.8676758,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04031303524971008},{"word":"yeah","start":527.825,"end":528.325,"confidence":0.92993164,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.014705831184983252},{"word":"yep","start":528.625,"end":529.125,"confidence":0.81591797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06550845503807068},{"word":"yep","start":529.185,"end":529.665,"confidence":0.97314453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.062332864850759506},{"word":"yep","start":529.665,"end":530.165,"confidence":0.94555664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07239209115505219},{"word":"yes","start":561.305,"end":561.805,"confidence":0.6594238,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14211496710777283},{"word":"yep","start":563.22003,"end":563.72003,"confidence":0.99194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18037836253643036},{"word":"wait","start":571.94,"end":572.26,"confidence":0.6119385,"punctuated_word":"Wait,","sentiment":"neutral","sentiment_score":0.24790239334106445},{"word":"mama","start":572.26,"end":572.76,"confidence":0.7200114,"punctuated_word":"mama.","sentiment":"neutral","sentiment_score":0.29538530111312866},{"word":"yep","start":577.40497,"end":577.645,"confidence":0.74194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16773709654808044},{"word":"no","start":577.645,"end":577.725,"confidence":0.97265625,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.213594913482666},{"word":"that's","start":577.725,"end":578.225,"confidence":0.9926758,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3706634938716888},{"word":"good","start":581.485,"end":581.985,"confidence":0.99316406,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4569167494773865},{"word":"yes","start":599.99,"end":600.49,"confidence":0.7675781,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10914883017539978},{"word":"yes","start":600.63,"end":601.13,"confidence":0.8039551,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15494763851165771},{"word":"yes","start":601.19,"end":601.69,"confidence":0.93847656,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.27462226152420044},{"word":"yeah","start":612.885,"end":613.285,"confidence":0.83081055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0933440327644348},{"word":"no","start":613.285,"end":613.445,"confidence":0.6635742,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.001035928726196289},{"word":"that's","start":613.445,"end":613.685,"confidence":0.8630371,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09583358466625214},{"word":"good","start":613.685,"end":614.085,"confidence":0.9345703,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.0784904882311821},{"word":"perfect","start":614.085,"end":614.58,"confidence":0.96118164,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.31870195269584656},{"word":"mhmm","start":622.10004,"end":622.60004,"confidence":0.967041,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.02406021393835545},{"word":"yep","start":638.355,"end":638.61,"confidence":0.88916016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08350053429603577},{"word":"yep","start":654.705,"end":655.205,"confidence":0.9367676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.008687958121299744},{"word":"yep","start":666.72003,"end":667.22003,"confidence":0.83154297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11891114711761476},{"word":"yep","start":682.255,"end":682.575,"confidence":0.9250488,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11703824996948242},{"word":"yep","start":682.575,"end":682.97504,"confidence":0.7441406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18112307786941528},{"word":"awesome","start":682.97504,"end":683.47504,"confidence":0.66638184,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.4541615843772888},{"word":"yes","start":716.04,"end":716.54,"confidence":0.7807617,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07133696228265762},{"word":"yes","start":724.50995,"end":724.75995,"confidence":0.70251465,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.061537034809589386},{"word":"no","start":724.75995,"end":725.0,"confidence":0.7558594,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.09673172980546953},{"word":"problem","start":725.0,"end":725.5,"confidence":0.75097656,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.07352803647518158},{"word":"right","start":736.405,"end":736.72504,"confidence":0.85546875,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.06988182663917542},{"word":"yep","start":736.72504,"end":737.22504,"confidence":0.9975586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06902670860290527},{"word":"yep","start":760.6,"end":760.905,"confidence":0.74658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.026004252955317497},{"word":"yep","start":810.37,"end":810.87,"confidence":0.73876953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10998937487602234},{"word":"yep","start":853.39,"end":853.89,"confidence":0.96240234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.321379154920578},{"word":"yep","start":882.00995,"end":882.49,"confidence":0.9719238,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15996071696281433},{"word":"yep","start":882.49,"end":882.99,"confidence":0.97021484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18492859601974487},{"word":"yep","start":903.91,"end":904.41,"confidence":0.8261719,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3436982035636902},{"word":"yep","start":924.565,"end":924.885,"confidence":0.8840332,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08114110678434372},{"word":"no","start":924.885,"end":925.04504,"confidence":0.8300781,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.029298005625605583},{"word":"for","start":925.04504,"end":925.205,"confidence":0.99121094,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.030733700841665268},{"word":"sure","start":925.205,"end":925.60504,"confidence":0.99853516,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.0363144725561142},{"word":"thank","start":925.60504,"end":925.84503,"confidence":0.9970703,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.11983194947242735},{"word":"you","start":925.84503,"end":926.34503,"confidence":0.9501953,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.07259398698806763},{"word":"not","start":934.67,"end":934.91,"confidence":0.39501953,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.15861381590366364},{"word":"at","start":934.91,"end":934.99,"confidence":0.9550781,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.12494279444217682},{"word":"this","start":934.99,"end":935.23,"confidence":0.9716797,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.1485789567232132},{"word":"stage","start":935.23,"end":935.55,"confidence":0.90649414,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":-0.12042457610368729},{"word":"no","start":935.55,"end":935.79,"confidence":0.98657227,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11544542014598846},{"word":"you're","start":935.79,"end":935.87,"confidence":0.5394287,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.10752680152654648},{"word":"hoping","start":935.87,"end":936.11,"confidence":0.48388672,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":-0.08031333982944489},{"word":"you've","start":936.11,"end":936.43,"confidence":0.82910156,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.07931831479072571},{"word":"you've","start":936.43,"end":936.58997,"confidence":0.6019287,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.06798402965068817},{"word":"got","start":936.58997,"end":936.82996,"confidence":0.8442383,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.07366560399532318},{"word":"covered","start":936.82996,"end":937.07,"confidence":0.90771484,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":-0.02889958024024963},{"word":"everything","start":937.07,"end":937.38995,"confidence":0.8569336,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.06573522090911865},{"word":"for","start":937.38995,"end":937.55,"confidence":0.97802734,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.12288765609264374},{"word":"me","start":937.55,"end":937.79,"confidence":0.8491211,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.0965941846370697},{"word":"so","start":937.79,"end":938.29,"confidence":0.94921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1191580444574356},{"word":"like","start":944.935,"end":945.09503,"confidence":0.4840088,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.0835166871547699},{"word":"someone","start":945.09503,"end":945.255,"confidence":0.9472656,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.12309449911117554},{"word":"knows","start":945.255,"end":945.575,"confidence":0.4050293,"punctuated_word":"knows","sentiment":"neutral","sentiment_score":0.09996827691793442},{"word":"what's","start":945.575,"end":945.73505,"confidence":0.88256836,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.13925988972187042},{"word":"going","start":945.73505,"end":946.05505,"confidence":0.9790039,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.196615070104599},{"word":"on","start":946.05505,"end":946.215,"confidence":0.8510742,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.19383375346660617},{"word":"that's","start":946.215,"end":946.375,"confidence":0.80371094,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.21775254607200625},{"word":"all","start":946.375,"end":946.53503,"confidence":0.7939453,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2291414588689804},{"word":"that","start":946.53503,"end":946.695,"confidence":0.5,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19851788878440857},{"word":"matters","start":946.695,"end":947.195,"confidence":0.99902344,"punctuated_word":"matters.","sentiment":"neutral","sentiment_score":0.20728421211242676},{"word":"thanks","start":950.695,"end":951.195,"confidence":0.9604492,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.3651703298091888},{"word":"yep","start":957.495,"end":957.995,"confidence":0.95996094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15524332225322723},{"word":"yep","start":968.13,"end":968.63,"confidence":0.8757324,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1939917802810669},{"word":"awesome","start":976.385,"end":976.885,"confidence":0.91015625,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.44042328000068665},{"word":"yep","start":992.07996,"end":992.57996,"confidence":0.8486328,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10275518894195557},{"word":"yep","start":998.48,"end":998.835,"confidence":0.9152832,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09364138543605804},{"word":"yes","start":1003.075,"end":1003.575,"confidence":0.9975586,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09611783921718596},{"word":"yes","start":1005.555,"end":1006.055,"confidence":0.9926758,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.22379018366336825},{"word":"yeah","start":1037.755,"end":1037.9149,"confidence":0.5866089,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.050961464643478394},{"word":"alright","start":1037.9149,"end":1038.315,"confidence":0.6612549,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.07375211268663406},{"word":"can","start":1038.315,"end":1038.475,"confidence":0.25708008,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.025492068380117416},{"word":"i","start":1038.475,"end":1038.5549,"confidence":0.5126953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.040427401661872864},{"word":"get","start":1038.5549,"end":1038.7949,"confidence":0.5131836,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03113505616784096},{"word":"a","start":1038.7949,"end":1038.875,"confidence":0.5620117,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025525301694869995},{"word":"second","start":1038.875,"end":1039.375,"confidence":0.6965332,"punctuated_word":"second?","sentiment":"neutral","sentiment_score":0.009435463696718216},{"word":"yep","start":1043.71,"end":1044.21,"confidence":0.9428711,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.021403124555945396},{"word":"yep","start":1070.46,"end":1070.96,"confidence":0.74658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1351274698972702},{"word":"yep","start":1086.515,"end":1086.755,"confidence":0.9440918,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09607091546058656},{"word":"yep","start":1086.755,"end":1087.155,"confidence":0.9733887,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08543980121612549},{"word":"yep","start":1087.155,"end":1087.395,"confidence":0.9885254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09916895627975464},{"word":"yep","start":1087.395,"end":1087.555,"confidence":0.9758301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13148026168346405},{"word":"totally","start":1087.555,"end":1088.055,"confidence":0.982666,"punctuated_word":"Totally.","sentiment":"neutral","sentiment_score":0.2615123391151428},{"word":"yep","start":1099.3301,"end":1099.8301,"confidence":0.8486328,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16810870170593262},{"word":"yep","start":1117.5049,"end":1117.8,"confidence":0.95703125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03101920895278454},{"word":"yep","start":1123.0801,"end":1123.5801,"confidence":0.6734619,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0251429732888937},{"word":"no","start":1125.7201,"end":1125.9601,"confidence":0.86083984,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07586924731731415},{"word":"no","start":1125.9601,"end":1126.28,"confidence":0.8527832,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13671129941940308},{"word":"this","start":1126.28,"end":1126.52,"confidence":0.29248047,"punctuated_word":"This","sentiment":"neutral","sentiment_score":-0.14347289502620697},{"word":"size","start":1126.52,"end":1127.02,"confidence":0.7260742,"punctuated_word":"size.","sentiment":"neutral","sentiment_score":-0.09993179142475128},{"word":"no","start":1128.52,"end":1128.68,"confidence":0.87280273,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.01166670024394989},{"word":"no","start":1128.68,"end":1129.18,"confidence":0.9013672,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.015567485243082048},{"word":"yep","start":1138.455,"end":1138.955,"confidence":0.6760254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1116556078195572},{"word":"yep","start":1153.99,"end":1154.355,"confidence":0.84228516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15519431233406067},{"word":"yep","start":1172.93,"end":1173.25,"confidence":0.9802246,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15048512816429138},{"word":"yep","start":1173.25,"end":1173.75,"confidence":0.9890137,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2348390519618988},{"word":"yeah","start":1197.92,"end":1198.0801,"confidence":0.81030273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029054198414087296},{"word":"that's","start":1198.0801,"end":1198.4,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.04637054726481438},{"word":"fine","start":1198.4,"end":1198.9,"confidence":0.99658203,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.033443011343479156},{"word":"i","start":1199.28,"end":1199.4401,"confidence":0.70654297,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07544580101966858},{"word":"don't","start":1199.4401,"end":1199.6,"confidence":0.98217773,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08344148099422455},{"word":"know","start":1199.6,"end":1199.76,"confidence":0.86279297,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.0854106917977333},{"word":"maybe","start":1199.76,"end":1200.0,"confidence":0.9951172,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":-0.09151315689086914},{"word":"in","start":1200.0,"end":1200.16,"confidence":0.97314453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06912405043840408},{"word":"six","start":1200.16,"end":1200.4,"confidence":0.99902344,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.04640607908368111},{"word":"months'","start":1200.4,"end":1200.72,"confidence":0.8215332,"punctuated_word":"months'","sentiment":"neutral","sentiment_score":-0.046782031655311584},{"word":"time","start":1200.72,"end":1201.22,"confidence":0.8588867,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.0385231077671051},{"word":"yeah","start":1212.735,"end":1212.9751,"confidence":0.77246094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00852450542151928},{"word":"not","start":1212.9751,"end":1213.2151,"confidence":0.85839844,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.25453901290893555},{"word":"perfect","start":1213.2151,"end":1213.7151,"confidence":0.99365234,"punctuated_word":"perfect.","sentiment":"neutral","sentiment_score":-0.06754383444786072},{"word":"bravo","start":1225.4,"end":1225.9,"confidence":0.6038208,"punctuated_word":"Bravo.","sentiment":"positive","sentiment_score":0.725314199924469},{"word":"thank","start":1226.12,"end":1226.36,"confidence":0.87353516,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8723922967910767},{"word":"you","start":1226.36,"end":1226.4401,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8803622126579285},{"word":"very","start":1226.4401,"end":1226.68,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.8856837153434753},{"word":"much","start":1226.68,"end":1226.9789,"confidence":0.9995117,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.8417931199073792},{"word":"you","start":1229.6189,"end":1229.9388,"confidence":0.9453125,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5968030095100403},{"word":"too","start":1229.9388,"end":1230.4388,"confidence":0.98999023,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.5481706261634827},{"word":"bye","start":1232.1788,"end":1232.6788,"confidence":0.8430176,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.27403682470321655},{"word":"bye","start":1234.0189,"end":1234.5189,"confidence":0.779541,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.11280478537082672}],"paragraphs":{"transcript":"\nHello? Yeah. Good folks. Yeah. That's fine.\n\nYeah. That's fine. Paul Head, 08/26/1979. 73 Green Street, California. Yeah.\n\nBusy busy, and I'm crook and I'm tired. Yep. Yep. Yep. I have actually got my computer turned on.\n\nYeah. Sorry. Awesome. Yep. Yes.\n\nYep. Yep. Yep. No. That'd be that'd be good.\n\nWell, I'm I'm still on light duties, and I've gotta have some nerve blockers before they recommend surgery. So they're trying to figure out when and where where it starts and where it ends and everything. So there's a bit going on. So yeah. Yeah.\n\nIt's not great. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yeah. That is fine. Yep.\n\nYeah. I just wanna please push it back just because the interest rates in them at the moment. So yeah. Yep. Yep.\n\nYeah. Jeffrey. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. No.\n\nI've noticed. I I got confused when COVID hit because I've nearly lost, like, $30, and I went, oh, hang on. Yep. Yep. Oh, that's a yep.\n\nWell, that's good. Yep. Yes. Yeah. Yep.\n\nYep. Yep. For sure. That's fine. Yep.\n\nYep. I think the only reason why I've got the email space because of my work cover. So yeah. Yep. Yep.\n\nYep. Yes. Yep. Wait, mama. Yep.\n\nNo. That's good. Yes. Yes. Yes.\n\nYeah. No. That's good. Perfect. Mhmm.\n\nYep. Yep. Yep. Yep. Yep.\n\nAwesome. Yes. Yes. No problem. Right.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. No. For sure.\n\nThank you. Not at this stage. No. You're hoping you've you've got covered everything for me. So Like, someone knows what's going on.\n\nThat's all that matters. Thanks. Yep. Yep. Awesome.\n\nYep. Yep. Yes. Yes. Yeah.\n\nAlright. Can I get a second? Yep. Yep. Yep.\n\nYep. Yep. Yep. Totally. Yep.\n\nYep. Yep. No. No. This size.\n\nNo. No. Yep. Yep. Yep.\n\nYep. Yeah. That's fine. I don't know. Maybe in six months' time.\n\nYeah. Not perfect. Bravo. Thank you very much. You too.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.031473755836486816},{"text":"Yeah.","start":6.8799996,"end":7.12,"sentiment":"neutral","sentiment_score":0.31633108854293823},{"text":"Good folks.","start":7.12,"end":7.8599997,"sentiment":"positive","sentiment_score":0.6242939531803131},{"text":"Yeah.","start":14.88,"end":15.12,"sentiment":"neutral","sentiment_score":0.189948707818985},{"text":"That's fine.","start":15.12,"end":15.765,"sentiment":"neutral","sentiment_score":0.31298263370990753}],"sentiment":"positive","sentiment_score":0.3446152465684073,"num_words":7,"start":1.4399999,"end":15.765},{"sentences":[{"text":"Yeah.","start":24.404999,"end":24.645,"sentiment":"neutral","sentiment_score":0.12056493759155272},{"text":"That's fine.","start":24.645,"end":25.385,"sentiment":"neutral","sentiment_score":0.22409605979919434},{"text":"Paul Head, 08/26/1979.","start":35.3,"end":39.24,"sentiment":"neutral","sentiment_score":0.020196444044510525},{"text":"73 Green Street, California.","start":39.78,"end":41.32,"sentiment":"neutral","sentiment_score":0.02565969666466117},{"text":"Yeah.","start":46.515,"end":46.835,"sentiment":"neutral","sentiment_score":-0.10456781834363936}],"sentiment":"neutral","sentiment_score":0.057037941603498024,"num_words":11,"start":24.404999,"end":46.835},{"sentences":[{"text":"Busy busy, and I'm crook and I'm tired.","start":46.835,"end":49.655,"sentiment":"negative","sentiment_score":-0.4166044220328331},{"text":"Yep.","start":52.595,"end":53.095,"sentiment":"neutral","sentiment_score":-0.09135745465755464},{"text":"Yep.","start":57.155,"end":57.45,"sentiment":"neutral","sentiment_score":-0.005698987748473883},{"text":"Yep.","start":70.25,"end":70.635,"sentiment":"neutral","sentiment_score":0.030483221635222435},{"text":"I have actually got my computer turned on.","start":76.235,"end":78.235,"sentiment":"neutral","sentiment_score":-0.10506959864869714}],"sentiment":"neutral","sentiment_score":-0.22315607295910778,"num_words":19,"start":46.835,"end":78.235},{"sentences":[{"text":"Yeah.","start":78.235,"end":78.475,"sentiment":"neutral","sentiment_score":-0.04319421201944351},{"text":"Sorry.","start":78.475,"end":78.975,"sentiment":"neutral","sentiment_score":-0.05625922977924347},{"text":"Awesome.","start":114.29,"end":114.79,"sentiment":"positive","sentiment_score":0.6192612648010254},{"text":"Yep.","start":125.57,"end":126.07,"sentiment":"neutral","sentiment_score":0.011021035723388197},{"text":"Yes.","start":133.94499,"end":134.44499,"sentiment":"neutral","sentiment_score":0.05191818252205849}],"sentiment":"neutral","sentiment_score":0.11654940824955702,"num_words":5,"start":78.235,"end":134.44499},{"sentences":[{"text":"Yep.","start":143.385,"end":143.73,"sentiment":"neutral","sentiment_score":0.0913434624671936},{"text":"Yep.","start":157.48999,"end":157.97,"sentiment":"neutral","sentiment_score":-0.013884123414754868},{"text":"Yep.","start":157.97,"end":158.29,"sentiment":"neutral","sentiment_score":0.03493581712245941},{"text":"No.","start":158.29,"end":158.45,"sentiment":"neutral","sentiment_score":-0.009593881666660309},{"text":"That'd be that'd be good.","start":158.45,"end":159.705,"sentiment":"neutral","sentiment_score":0.10698751509189605}],"sentiment":"neutral","sentiment_score":0.07085987221863535,"num_words":9,"start":143.385,"end":159.705},{"sentences":[{"text":"Well, I'm I'm still on light duties, and I've gotta have some nerve blockers before they recommend surgery.","start":176.95001,"end":183.43001,"sentiment":"neutral","sentiment_score":-0.11635320007594095},{"text":"So they're trying to figure out when and where where it starts and where it ends and everything.","start":183.43001,"end":188.07,"sentiment":"neutral","sentiment_score":-0.08880209260516697},{"text":"So there's a bit going on.","start":188.07,"end":189.27,"sentiment":"neutral","sentiment_score":-0.1272605968018373},{"text":"So yeah.","start":189.27,"end":193.925,"sentiment":"neutral","sentiment_score":-0.2285926192998886},{"text":"Yeah.","start":194.38501,"end":194.785,"sentiment":"neutral","sentiment_score":-0.20905831456184387}],"sentiment":"neutral","sentiment_score":-0.11383560893850195,"num_words":45,"start":176.95001,"end":194.785},{"sentences":[{"text":"It's not great.","start":194.785,"end":195.765,"sentiment":"negative","sentiment_score":-0.4022177755832672},{"text":"Yep.","start":202.24,"end":202.74,"sentiment":"neutral","sentiment_score":0.02736810222268105},{"text":"Yep.","start":211.20001,"end":211.68001,"sentiment":"neutral","sentiment_score":0.08488605916500092},{"text":"Yep.","start":211.68001,"end":212.18001,"sentiment":"neutral","sentiment_score":0.08010676503181458},{"text":"Yep.","start":228.49501,"end":228.72,"sentiment":"neutral","sentiment_score":0.1226363480091095}],"sentiment":"neutral","sentiment_score":-0.12737943604588509,"num_words":7,"start":194.785,"end":228.72},{"sentences":[{"text":"Yep.","start":229.2,"end":229.7,"sentiment":"neutral","sentiment_score":0.2045015394687653},{"text":"Yep.","start":257.15,"end":257.65,"sentiment":"neutral","sentiment_score":0.27626311779022217},{"text":"Yeah.","start":259.87,"end":260.11,"sentiment":"neutral","sentiment_score":0.16774529218673706},{"text":"That is fine.","start":260.11,"end":261.01,"sentiment":"neutral","sentiment_score":0.28909916679064435},{"text":"Yep.","start":261.07,"end":261.57,"sentiment":"neutral","sentiment_score":0.2689315974712372}],"sentiment":"neutral","sentiment_score":0.25496272104127066,"num_words":7,"start":229.2,"end":261.57},{"sentences":[{"text":"Yeah.","start":264.765,"end":265.265,"sentiment":"neutral","sentiment_score":0.05351126194000244},{"text":"I just wanna please push it back just because the interest rates in them at the moment.","start":272.125,"end":275.565,"sentiment":"neutral","sentiment_score":-0.08859748853480115},{"text":"So yeah.","start":275.565,"end":278.52502,"sentiment":"neutral","sentiment_score":-0.04323986917734146},{"text":"Yep.","start":278.52502,"end":278.92502,"sentiment":"neutral","sentiment_score":-0.15044963359832764},{"text":"Yep.","start":278.92502,"end":279.42502,"sentiment":"neutral","sentiment_score":-0.16166871786117554}],"sentiment":"neutral","sentiment_score":-0.08414746058935468,"num_words":22,"start":264.765,"end":279.42502},{"sentences":[{"text":"Yeah.","start":281.61002,"end":281.93,"sentiment":"neutral","sentiment_score":-0.028336944058537483},{"text":"Jeffrey.","start":281.93,"end":282.43,"sentiment":"neutral","sentiment_score":-0.02703612484037876},{"text":"Yep.","start":309.32,"end":309.82,"sentiment":"neutral","sentiment_score":0.08453034609556198},{"text":"Yep.","start":309.96,"end":310.46,"sentiment":"neutral","sentiment_score":0.16086445748806},{"text":"Yep.","start":320.185,"end":320.685,"sentiment":"neutral","sentiment_score":0.011085903272032738}],"sentiment":"neutral","sentiment_score":0.04022152759134769,"num_words":5,"start":281.61002,"end":320.685},{"sentences":[{"text":"Yep.","start":330.22,"end":330.72,"sentiment":"neutral","sentiment_score":0.030199741944670677},{"text":"Yep.","start":343.18,"end":343.66,"sentiment":"neutral","sentiment_score":0.033849045634269714},{"text":"Yep.","start":343.66,"end":344.055,"sentiment":"neutral","sentiment_score":0.03661383688449859},{"text":"Yep.","start":353.255,"end":353.755,"sentiment":"neutral","sentiment_score":0.06360676139593124},{"text":"Yep.","start":353.895,"end":354.395,"sentiment":"neutral","sentiment_score":0.13833068311214447}],"sentiment":"neutral","sentiment_score":0.06052001379430294,"num_words":5,"start":330.22,"end":354.395},{"sentences":[{"text":"Yep.","start":357.88,"end":358.12,"sentiment":"neutral","sentiment_score":0.20716235041618347},{"text":"Yep.","start":358.12,"end":358.62,"sentiment":"positive","sentiment_score":0.37874817848205566},{"text":"Yep.","start":365.16,"end":365.66,"sentiment":"neutral","sentiment_score":0.09129820764064787},{"text":"Yep.","start":365.88,"end":366.38,"sentiment":"neutral","sentiment_score":0.028207194060087204},{"text":"Yep.","start":366.91,"end":367.16,"sentiment":"neutral","sentiment_score":0.07078422605991364}],"sentiment":"neutral","sentiment_score":0.15524003133177758,"num_words":5,"start":357.88,"end":367.16},{"sentences":[{"text":"Yep.","start":367.16,"end":367.66,"sentiment":"neutral","sentiment_score":0.21455562114715576},{"text":"Yep.","start":367.72,"end":368.22,"sentiment":"neutral","sentiment_score":0.16935908794403076},{"text":"Yep.","start":386.55,"end":387.05,"sentiment":"neutral","sentiment_score":-0.11608719825744628},{"text":"Yep.","start":393.75,"end":394.25,"sentiment":"neutral","sentiment_score":-0.08571174740791321},{"text":"No.","start":395.91,"end":396.07,"sentiment":"neutral","sentiment_score":-0.19122904539108276}],"sentiment":"neutral","sentiment_score":-0.0018226563930511474,"num_words":5,"start":367.16,"end":396.07},{"sentences":[{"text":"I've noticed.","start":396.07,"end":396.81,"sentiment":"neutral","sentiment_score":-0.19864289462566376},{"text":"I I got confused when COVID hit because I've nearly lost, like, $30, and I went, oh, hang on.","start":398.685,"end":403.585,"sentiment":"neutral","sentiment_score":-0.2603878512194282},{"text":"Yep.","start":410.525,"end":410.88,"sentiment":"neutral","sentiment_score":-0.19933730363845825},{"text":"Yep.","start":421.12,"end":421.62,"sentiment":"neutral","sentiment_score":0.17843782901763916},{"text":"Oh, that's a yep.","start":425.76,"end":426.675,"sentiment":"positive","sentiment_score":0.3524351045489311}],"sentiment":"neutral","sentiment_score":-0.14651163032761327,"num_words":27,"start":396.07,"end":426.675},{"sentences":[{"text":"Well, that's good.","start":426.75497,"end":427.57498,"sentiment":"positive","sentiment_score":0.46094921231269836},{"text":"Yep.","start":444.77,"end":445.27,"sentiment":"neutral","sentiment_score":-0.04251309856772423},{"text":"Yes.","start":472.36,"end":472.86,"sentiment":"neutral","sentiment_score":0.013812949880957603},{"text":"Yeah.","start":487.90997,"end":488.40997,"sentiment":"neutral","sentiment_score":-0.0040771011263132095},{"text":"Yep.","start":497.03,"end":497.18997,"sentiment":"neutral","sentiment_score":0.034744828939437866}],"sentiment":"neutral","sentiment_score":0.19783074515206472,"num_words":7,"start":426.75497,"end":497.18997},{"sentences":[{"text":"Yep.","start":497.18997,"end":497.43,"sentiment":"neutral","sentiment_score":0.0333542674779892},{"text":"Yep.","start":497.43,"end":497.83,"sentiment":"neutral","sentiment_score":0.03866586089134216},{"text":"For sure.","start":497.83,"end":498.49,"sentiment":"neutral","sentiment_score":0.04625947214663029},{"text":"That's fine.","start":510.405,"end":511.17,"sentiment":"neutral","sentiment_score":0.07284330576658249},{"text":"Yep.","start":513.65,"end":514.15,"sentiment":"neutral","sentiment_score":0.06513546407222748}],"sentiment":"neutral","sentiment_score":0.05362302118114063,"num_words":7,"start":497.18997,"end":514.15},{"sentences":[{"text":"Yep.","start":518.37,"end":518.85004,"sentiment":"neutral","sentiment_score":0.13983449339866638},{"text":"I think the only reason why I've got the email space because of my work cover.","start":518.85004,"end":522.45,"sentiment":"neutral","sentiment_score":0.10742660681717098},{"text":"So yeah.","start":522.45,"end":528.325,"sentiment":"neutral","sentiment_score":0.027509433217346668},{"text":"Yep.","start":528.625,"end":529.125,"sentiment":"neutral","sentiment_score":0.06550845503807068},{"text":"Yep.","start":529.185,"end":529.665,"sentiment":"neutral","sentiment_score":0.062332864850759506}],"sentiment":"neutral","sentiment_score":0.09721525660937741,"num_words":21,"start":518.37,"end":529.665},{"sentences":[{"text":"Yep.","start":529.665,"end":530.165,"sentiment":"neutral","sentiment_score":0.07239209115505219},{"text":"Yes.","start":561.305,"end":561.805,"sentiment":"neutral","sentiment_score":0.14211496710777283},{"text":"Yep.","start":563.22003,"end":563.72003,"sentiment":"neutral","sentiment_score":0.18037836253643036},{"text":"Wait, mama.","start":571.94,"end":572.76,"sentiment":"neutral","sentiment_score":0.27164384722709656},{"text":"Yep.","start":577.40497,"end":577.645,"sentiment":"neutral","sentiment_score":0.16773709654808044}],"sentiment":"neutral","sentiment_score":0.18431836863358816,"num_words":6,"start":529.665,"end":577.645},{"sentences":[{"text":"No.","start":577.645,"end":577.725,"sentiment":"neutral","sentiment_score":0.213594913482666},{"text":"That's good.","start":577.725,"end":581.985,"sentiment":"positive","sentiment_score":0.41379012167453766},{"text":"Yes.","start":599.99,"end":600.49,"sentiment":"neutral","sentiment_score":0.10914883017539978},{"text":"Yes.","start":600.63,"end":601.13,"sentiment":"neutral","sentiment_score":0.15494763851165771},{"text":"Yes.","start":601.19,"end":601.69,"sentiment":"neutral","sentiment_score":0.27462226152420044}],"sentiment":"neutral","sentiment_score":0.2633156478404999,"num_words":6,"start":577.645,"end":601.69},{"sentences":[{"text":"Yeah.","start":612.885,"end":613.285,"sentiment":"neutral","sentiment_score":0.0933440327644348},{"text":"No.","start":613.285,"end":613.445,"sentiment":"neutral","sentiment_score":-0.001035928726196289},{"text":"That's good.","start":613.445,"end":614.085,"sentiment":"neutral","sentiment_score":0.08716203644871712},{"text":"Perfect.","start":614.085,"end":614.58,"sentiment":"neutral","sentiment_score":0.31870195269584656},{"text":"Mhmm.","start":622.10004,"end":622.60004,"sentiment":"neutral","sentiment_score":0.02406021393835545}],"sentiment":"neutral","sentiment_score":0.10156572392831247,"num_words":6,"start":612.885,"end":622.60004},{"sentences":[{"text":"Yep.","start":638.355,"end":638.61,"sentiment":"neutral","sentiment_score":0.08350053429603577},{"text":"Yep.","start":654.705,"end":655.205,"sentiment":"neutral","sentiment_score":0.008687958121299744},{"text":"Yep.","start":666.72003,"end":667.22003,"sentiment":"neutral","sentiment_score":0.11891114711761476},{"text":"Yep.","start":682.255,"end":682.575,"sentiment":"neutral","sentiment_score":0.11703824996948242},{"text":"Yep.","start":682.575,"end":682.97504,"sentiment":"neutral","sentiment_score":0.18112307786941528}],"sentiment":"neutral","sentiment_score":0.10185219347476959,"num_words":5,"start":638.355,"end":682.97504},{"sentences":[{"text":"Awesome.","start":682.97504,"end":683.47504,"sentiment":"positive","sentiment_score":0.4541615843772888},{"text":"Yes.","start":716.04,"end":716.54,"sentiment":"neutral","sentiment_score":0.07133696228265762},{"text":"Yes.","start":724.50995,"end":724.75995,"sentiment":"neutral","sentiment_score":0.061537034809589386},{"text":"No problem.","start":724.75995,"end":725.5,"sentiment":"neutral","sentiment_score":0.08512988314032555},{"text":"Right.","start":736.405,"end":736.72504,"sentiment":"neutral","sentiment_score":0.06988182663917542}],"sentiment":"neutral","sentiment_score":0.13786286239822707,"num_words":6,"start":682.97504,"end":736.72504},{"sentences":[{"text":"Yep.","start":736.72504,"end":737.22504,"sentiment":"neutral","sentiment_score":0.06902670860290527},{"text":"Yep.","start":760.6,"end":760.905,"sentiment":"neutral","sentiment_score":0.026004252955317497},{"text":"Yep.","start":810.37,"end":810.87,"sentiment":"neutral","sentiment_score":0.10998937487602234},{"text":"Yep.","start":853.39,"end":853.89,"sentiment":"neutral","sentiment_score":0.321379154920578},{"text":"Yep.","start":882.00995,"end":882.49,"sentiment":"neutral","sentiment_score":0.15996071696281433}],"sentiment":"neutral","sentiment_score":0.1372720416635275,"num_words":5,"start":736.72504,"end":882.49},{"sentences":[{"text":"Yep.","start":882.49,"end":882.99,"sentiment":"neutral","sentiment_score":0.18492859601974487},{"text":"Yep.","start":903.91,"end":904.41,"sentiment":"positive","sentiment_score":0.3436982035636902},{"text":"Yep.","start":924.565,"end":924.885,"sentiment":"neutral","sentiment_score":0.08114110678434372},{"text":"No.","start":924.885,"end":925.04504,"sentiment":"neutral","sentiment_score":0.029298005625605583},{"text":"For sure.","start":925.04504,"end":925.60504,"sentiment":"neutral","sentiment_score":0.03352408669888973}],"sentiment":"neutral","sentiment_score":0.11768568089852731,"num_words":6,"start":882.49,"end":925.60504},{"sentences":[{"text":"Thank you.","start":925.60504,"end":926.34503,"sentiment":"neutral","sentiment_score":0.0962129682302475},{"text":"Not at this stage.","start":934.67,"end":935.55,"sentiment":"neutral","sentiment_score":-0.13814003579318523},{"text":"No.","start":935.55,"end":935.79,"sentiment":"neutral","sentiment_score":-0.11544542014598846},{"text":"You're hoping you've you've got covered everything for me.","start":935.79,"end":937.79,"sentiment":"neutral","sentiment_score":-0.08032497018575668},{"text":"So Like, someone knows what's going on.","start":937.79,"end":946.215,"sentiment":"neutral","sentiment_score":0.13649231727634156}],"sentiment":"neutral","sentiment_score":-0.0105677451128545,"num_words":23,"start":925.60504,"end":946.215},{"sentences":[{"text":"That's all that matters.","start":946.215,"end":947.195,"sentiment":"neutral","sentiment_score":0.2131740264594555},{"text":"Thanks.","start":950.695,"end":951.195,"sentiment":"positive","sentiment_score":0.3651703298091888},{"text":"Yep.","start":957.495,"end":957.995,"sentiment":"neutral","sentiment_score":0.15524332225322723},{"text":"Yep.","start":968.13,"end":968.63,"sentiment":"neutral","sentiment_score":0.1939917802810669},{"text":"Awesome.","start":976.385,"end":976.885,"sentiment":"positive","sentiment_score":0.44042328000068665}],"sentiment":"neutral","sentiment_score":0.25094060227274895,"num_words":8,"start":946.215,"end":976.885},{"sentences":[{"text":"Yep.","start":992.07996,"end":992.57996,"sentiment":"neutral","sentiment_score":0.10275518894195557},{"text":"Yep.","start":998.48,"end":998.835,"sentiment":"neutral","sentiment_score":0.09364138543605804},{"text":"Yes.","start":1003.075,"end":1003.575,"sentiment":"neutral","sentiment_score":0.09611783921718596},{"text":"Yes.","start":1005.555,"end":1006.055,"sentiment":"neutral","sentiment_score":0.22379018366336825},{"text":"Yeah.","start":1037.755,"end":1037.9149,"sentiment":"neutral","sentiment_score":0.050961464643478394}],"sentiment":"neutral","sentiment_score":0.11345321238040924,"num_words":5,"start":992.07996,"end":1037.9149},{"sentences":[{"text":"Alright.","start":1037.9149,"end":1038.315,"sentiment":"neutral","sentiment_score":0.07375211268663406},{"text":"Can I get a second?","start":1038.315,"end":1039.375,"sentiment":"neutral","sentiment_score":0.02640305832028389},{"text":"Yep.","start":1043.71,"end":1044.21,"sentiment":"neutral","sentiment_score":0.021403124555945396},{"text":"Yep.","start":1070.46,"end":1070.96,"sentiment":"neutral","sentiment_score":0.1351274698972702},{"text":"Yep.","start":1086.515,"end":1086.755,"sentiment":"neutral","sentiment_score":0.09607091546058656}],"sentiment":"neutral","sentiment_score":0.05092987935576174,"num_words":9,"start":1037.9149,"end":1086.755},{"sentences":[{"text":"Yep.","start":1086.755,"end":1087.155,"sentiment":"neutral","sentiment_score":0.08543980121612549},{"text":"Yep.","start":1087.155,"end":1087.395,"sentiment":"neutral","sentiment_score":0.09916895627975464},{"text":"Yep.","start":1087.395,"end":1087.555,"sentiment":"neutral","sentiment_score":0.13148026168346405},{"text":"Totally.","start":1087.555,"end":1088.055,"sentiment":"neutral","sentiment_score":0.2615123391151428},{"text":"Yep.","start":1099.3301,"end":1099.8301,"sentiment":"neutral","sentiment_score":0.16810870170593262}],"sentiment":"neutral","sentiment_score":0.14914201200008392,"num_words":5,"start":1086.755,"end":1099.8301},{"sentences":[{"text":"Yep.","start":1117.5049,"end":1117.8,"sentiment":"neutral","sentiment_score":0.03101920895278454},{"text":"Yep.","start":1123.0801,"end":1123.5801,"sentiment":"neutral","sentiment_score":0.0251429732888937},{"text":"No.","start":1125.7201,"end":1125.9601,"sentiment":"neutral","sentiment_score":-0.07586924731731415},{"text":"No.","start":1125.9601,"end":1126.28,"sentiment":"neutral","sentiment_score":-0.13671129941940308},{"text":"This size.","start":1126.28,"end":1127.02,"sentiment":"neutral","sentiment_score":-0.12170234322547913}],"sentiment":"neutral","sentiment_score":-0.0666371751576662,"num_words":6,"start":1117.5049,"end":1127.02},{"sentences":[{"text":"No.","start":1128.52,"end":1128.68,"sentiment":"neutral","sentiment_score":-0.01166670024394989},{"text":"No.","start":1128.68,"end":1129.18,"sentiment":"neutral","sentiment_score":-0.015567485243082048},{"text":"Yep.","start":1138.455,"end":1138.955,"sentiment":"neutral","sentiment_score":0.1116556078195572},{"text":"Yep.","start":1153.99,"end":1154.355,"sentiment":"neutral","sentiment_score":0.15519431233406067},{"text":"Yep.","start":1172.93,"end":1173.25,"sentiment":"neutral","sentiment_score":0.15048512816429138}],"sentiment":"neutral","sentiment_score":0.07802017256617547,"num_words":5,"start":1128.52,"end":1173.25},{"sentences":[{"text":"Yep.","start":1173.25,"end":1173.75,"sentiment":"neutral","sentiment_score":0.2348390519618988},{"text":"Yeah.","start":1197.92,"end":1198.0801,"sentiment":"neutral","sentiment_score":0.029054198414087296},{"text":"That's fine.","start":1198.0801,"end":1198.9,"sentiment":"neutral","sentiment_score":0.03990677930414677},{"text":"I don't know.","start":1199.28,"end":1199.76,"sentiment":"neutral","sentiment_score":-0.08143265793720882},{"text":"Maybe in six months' time.","start":1199.76,"end":1201.22,"sentiment":"neutral","sentiment_score":-0.0584696851670742}],"sentiment":"neutral","sentiment_score":-0.01607829922189315,"num_words":12,"start":1173.25,"end":1201.22},{"sentences":[{"text":"Yeah.","start":1212.735,"end":1212.9751,"sentiment":"neutral","sentiment_score":0.00852450542151928},{"text":"Not perfect.","start":1212.9751,"end":1213.7151,"sentiment":"neutral","sentiment_score":-0.16104142367839813},{"text":"Bravo.","start":1225.4,"end":1225.9,"sentiment":"positive","sentiment_score":0.725314199924469},{"text":"Thank you very much.","start":1226.12,"end":1226.9789,"sentiment":"positive","sentiment_score":0.8700578361749649},{"text":"You too.","start":1229.6189,"end":1230.4388,"sentiment":"positive","sentiment_score":0.5724868178367615}],"sentiment":"positive","sentiment_score":0.5036960838362574,"num_words":10,"start":1212.735,"end":1230.4388},{"sentences":[{"text":"Bye.","start":1232.1788,"end":1232.6788,"sentiment":"neutral","sentiment_score":0.27403682470321655},{"text":"Bye.","start":1234.0189,"end":1234.5189,"sentiment":"neutral","sentiment_score":-0.11280478537082672}],"sentiment":"neutral","sentiment_score":0.08061601966619492,"num_words":2,"start":1232.1788,"end":1234.5189}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Paul. This is Dana from Ophiuch Financial. How are you this afternoon?\n\nChannel 1: Yeah. Good folks.\n\nChannel 0: That's good. I had you booked in just to go through an updated advice document with me today. Is now still a good time there for you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. Paul, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And just to the security there with you, just sec, before I go through any personal information, just to confirm your full name, your date of birth, and address I should have on file there.\n\nChannel 1: Paul Head,\n\nChannel 0: Yep.\n\nChannel 1: 08/26/1979.\n\nChannel 0: Yep.\n\nChannel 1: 73 Green Street, California.\n\nChannel 0: Fantastic. Thank you so much for that. How's your day been today?\n\nChannel 1: Yeah. Busy busy, and I'm crook and I'm tired.\n\nChannel 0: Yeah. You sound tired. I'm so sorry. I'll\n\nChannel 1: Yep.\n\nChannel 0: try not to take too much of your time. I know you probably had a very long week thus far.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, we last time we caught up, we wanted to have a bit of a look at your super and the investments, and we have sort of noticed some changes that needed to be made to help you along towards your retirement goals there. So I just wanted to run through this with you. Are you\n\nChannel 1: Yep.\n\nChannel 0: able to access your emails at the moment? I just normally send through the document to you so you can review it with me.\n\nChannel 1: I have\n\nChannel 0: If\n\nChannel 1: actually\n\nChannel 0: you can't\n\nChannel 1: got my computer turned on. Yeah. Sorry.\n\nChannel 0: oh, that that's okay. It's not a problem. I'll run through things as easily as possible. I'll touch on the Please ask me any questions that you have, and I'll try to make it as easy as possible. I do apologize in advance.\n\nAll good. Easy. So, Paul, with this one here, on the front of the document when you are looking at it, it has been noted prepared for yourself forward as of the 09/08/2026. All of our advice is valid for sixty days from the date of the document. So you can take some time to read it through.\n\nAnd then if you're happy to take on the recommendations, we'll get you signed and return that back there for us. Okay?\n\nChannel 1: Awesome.\n\nChannel 0: On the bottom of the document prepared by myself here, Dana Taylor, and my my team here at Ofori Financial, and my authorized representative number is 13043 sorry. 130\n\nChannel 1: Yep.\n\nChannel 0: 4394. My apologies. A bit tongue tied this afternoon. And I'm registered as an adviser with ASIC there as well. As you scroll\n\nChannel 1: Yes.\n\nChannel 0: through the document, you'll see the best interest duties, table of contents, and then we've got some scoping, some areas that we are and are not looking at with regards to this advice piece.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, last time we spoke, your goal to access Super was around about age 65, hopefully, drawing an income of around about $700 per week to cover your living expenses. Is that still fairly appropriate for your goal? Do you think that might have changed\n\nChannel 1: Yep.\n\nChannel 0: at all?\n\nChannel 1: Yep. No. That'd be that'd be good.\n\nChannel 0: Fantastic. I've also got down here we consider your insurances. So you were happy to retain the level of cover you have within MLC at the time you were having so you were on light duties and having some shoulder surgery. How did that go, and are you back sort of full time, or how was everything since that surgery?\n\nChannel 1: Well, I'm I'm still on light duties, and\n\nChannel 0: Yeah.\n\nChannel 1: I've gotta have some nerve blockers before they recommend surgery. So they're trying to figure\n\nChannel 0: Okay.\n\nChannel 1: out when and where where it starts and where it ends and everything. So there's a bit going on. So\n\nChannel 0: Oh, yeah. You poor thing. Oh, you must be in pain as well while they're trying to figure\n\nChannel 1: yeah.\n\nChannel 0: it all out.\n\nChannel 1: Yeah. It's not great.\n\nChannel 0: No. I'm so sorry to hear that, Paul. Well, we'll definitely retain those insurances for the time being, but I have this I have considered\n\nChannel 1: Yep.\n\nChannel 0: them as part of the advice because, essentially, they are paid out of your super. So it's important to consider them when we are projecting things forward for you. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: We've also got the estate planning. Essentially, you do have your beneficiaries on file. You are happy to do so, but I have put a little bit in here to recommend that you do speak to a solicitor to draw up a will and power of attorney to make sure the other areas of estate planning are fully sorted for you and your family. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. Areas that we're not looking for advice at the moment is around income protection and trauma. So you do hold life and TPD, but no income protection or trauma because you are on light duties and about to go through surgery. Generally, to get new cover, we would have to be able to see you through that first and make sure that you're on the other side of it, the recovery side of things, and see what the doctor's report show. We can look at additional insurances down the track for you, but for the time being, we're just retaining what you currently have.\n\nAnd last time\n\nChannel 1: Yep.\n\nChannel 0: you and I spoke, you were happy with that as well. Okay?\n\nChannel 1: Yeah. That is fine. Yep.\n\nChannel 0: Excellent. And, also, cash flow and budgeting. So you are looking\n\nChannel 1: Yeah.\n\nChannel 0: to purchase a house over the next sort of twelve months or so. Is that still a goal down the track, or is that just being pushed back a little bit more? How's\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: just\n\nChannel 0: goal?\n\nChannel 1: wanna please push it back just because the interest rates in them at the moment. So\n\nChannel 0: Yeah. Understandable. It's\n\nChannel 1: yeah.\n\nChannel 0: a little\n\nChannel 1: Yep.\n\nChannel 0: bit hard\n\nChannel 1: Yep.\n\nChannel 0: to understand when when's the right time, isn't it?\n\nChannel 1: Yeah. Jeffrey.\n\nChannel 0: Yeah. All good. Then when you're looking at the document, we do have the about you section, your assets and liabilities noted as per our last conversation there, and then an outline of your current insurance policy. So within MLC, there at the moment, you have your life and TBD cover. You have a sum insured of 90,820 between the two, and the premium for those paid out of the MLC is $1,113.35 for the year.\n\nOkay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. Now to start sort of going through the recommendations there for you, I did go back and look at all of your super and the investments within to sort of see how everything was tracking for you. Within\n\nChannel 1: Yep.\n\nChannel 0: hub twenty four at the moment, your current balance is 81,070, and then we've also got about thirty three thousand one thirty eight within MLC there at the moment. Between\n\nChannel 1: Yep.\n\nChannel 0: the two funds, you do have your admin fees, investment fees, the ongoing service fee for us looking after everything comes out of hub twenty four, and contributions going into MLC, which is also where your insurance premiums are deducted from.\n\nChannel 1: Yep. Yep.\n\nChannel 0: When we sort of spoke last time, you we did your risk profiling, had a bit of a chat about you being a growth investor, which has a eighty twenty split, if you remember to that conversation there.\n\nChannel 1: Yep.\n\nChannel 0: So 80\n\nChannel 1: Yep.\n\nChannel 0: percent growth, 20% low risk defensive investments. You were\n\nChannel 1: Yep.\n\nChannel 0: fairly\n\nChannel 1: Yep.\n\nChannel 0: happy with that. It does sort of suit someone who has a six year time horizon for accessing super. Are you still comfortable in that portfolio or that\n\nChannel 1: Yep. Yep.\n\nChannel 0: risk level here?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: When I look at your current portfolio, I did note there were some underperforming assets. So, essentially, this year, we have seen a lot of volatility in the market. There has been a lot of ups and downs with everything that has been going on. And so I have sort of found that there's maybe some changes that we need to make to your portfolio to make sure it does work a little bit harder for you. When we\n\nChannel 1: Yep.\n\nChannel 0: look at how everything has been performing over the past five years, and when you look at the past five years, there has been a lot of ups and downs. The market\n\nChannel 1: Yep.\n\nChannel 0: has not been steady in the past five years\n\nChannel 1: No. I've\n\nChannel 0: at\n\nChannel 1: noticed.\n\nChannel 0: at all. And,\n\nChannel 1: I I\n\nChannel 0: essentially,\n\nChannel 1: got confused\n\nChannel 0: when\n\nChannel 1: when COVID hit because I've nearly lost, like, $30, and I went, oh, hang on.\n\nChannel 0: wow. Yeah. No. Well, if you ever feel like that, please give me a call. I am here to help and to talk you through those times.\n\nI don't\n\nChannel 1: Yep.\n\nChannel 0: want you to feel like you have to stress on your own, and we do a lot of looking at the markets and a lot of talking people through things like that. And my job is to help you stop you from making rash decisions as well. So if you\n\nChannel 1: Yep.\n\nChannel 0: wanna use me as a sounding board, you are more than welcome to do that. Okay?\n\nChannel 1: Oh,\n\nChannel 0: Excellent.\n\nChannel 1: that's a yep. Well, that's good.\n\nChannel 0: So when I have a look at how between MLC and Hub twenty four over the past five years, your portfolio jointly has been performing. I wasn't overly impressed. It's averaged about 5.91% on a yearly basis. I'm not really happy with that. I wanted to sort of look at how we could make things work a bit harder for you and readjust\n\nChannel 1: Yep.\n\nChannel 0: your portfolio to make it work better. Essentially, with the recommendations, I am recommending you retain the two funds, HUB24 and MLC. The funds themselves are absolutely fine. Essentially, if we had looked and I did look at moving to another platform. However, within Hub twenty four, whenever any even MLC, whenever you sell down investments, your super fund pays capital gains and income tax.\n\nIt does a tax return every year just like you do. So in order\n\nChannel 1: Yes.\n\nChannel 0: to settle down all the investments and move to whole new platforms, it does require capital gains consequences. And I want to minimize that as much as possible because, realistically, lowering the tax consequences mean, essentially, like, if you paid near $5 in in\n\nChannel 1: Yeah.\n\nChannel 0: capital gains tax, that comes off your balance, essentially. So, realistically, minimizing that cost helps your balance continue to grow, if that makes sense.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: For sure.\n\nChannel 0: So recommending your retention of MLC and hub twenty four, because you've got 33,000 in MLC at the moment, we do wanna roll over all but 10,000, just retaining that 10,000 in the MLC and moving\n\nChannel 1: That's\n\nChannel 0: the rest\n\nChannel 1: fine.\n\nChannel 0: of the funds over to hub twenty four.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, that would leave you with a balance in hub twenty four of about 104200\n\nChannel 1: Yep.\n\nChannel 0: and four, which\n\nChannel 1: I think\n\nChannel 0: is\n\nChannel 1: the\n\nChannel 0: fantastic.\n\nChannel 1: only reason why I've got the email space because of my work cover. So\n\nChannel 0: It's I understand. Yeah. And your insurances, your life and TPD, which is important to keep for the moment.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. I will sorta go through an adjustment of the portfolio, but when I looked at the capital gains consequences for being able to adjust your portfolio, it came to $4. So I was really happy with that. That's pretty yeah. Exactly.\n\nIf I need capital gains, I mean, if I need to pay $4 in tax more regularly. Essentially, moving over, the admin fee does increase slightly because we are putting more money in the hub 24. I expect it to increase by about $40 per year. It's a very\n\nChannel 1: Yes.\n\nChannel 0: minor increase there. However,\n\nChannel 1: Yep.\n\nChannel 0: the newer portfolio is expected to save you $388. So I was able to find a portfolio that was much cheaper for you\n\nChannel 1: Wait,\n\nChannel 0: and\n\nChannel 1: mama.\n\nChannel 0: save you $388 for the year, which is also a benefit and a bonus there.\n\nChannel 1: Yep. No. That's\n\nChannel 0: Excellent. The newer portfolio has also averaged\n\nChannel 1: good.\n\nChannel 0: 9.86% over the past five years as well between MLC and Hub twenty four. So I was very happy to be able to look at something that's performing better. And when when you consider the ups and downs over the last five years, if this portfolio has averaged 9.86%, moving forward, it should be able to obtain close to that on a regular basis as well.\n\nChannel 1: Yes.\n\nChannel 0: Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Excellent. So, realistically, that should put you in a much greater position, also save you in keys fees, sorry, and minimize the CDT cost as much as possible, which was a benefit and a positive for you.\n\nChannel 1: Yeah.\n\nChannel 0: Alright?\n\nChannel 1: No. That's good. Perfect.\n\nChannel 0: In to sort of in a nutshell, and I'm so sorry, to run you through just a basic run through of what we're gonna replace,\n\nChannel 1: Mhmm.\n\nChannel 0: essentially, we're not changing the investments within NMLC. The growth portfolio within that is absolutely fine. We're only retaining 10,000 in there as well and keeping your contributions going in. So there's no change there. We're just gonna roll 2300138 over in the hub twenty four.\n\nWithin\n\nChannel 1: Yep.\n\nChannel 0: hub twenty four, we're going to increase your exposure into gold from five to 8%. We're gonna remove the physical silver completely. This investment is a bit underperforming. It has been good in the past, but right now, it's worth removing from the portfolio completely.\n\nChannel 1: Yep.\n\nChannel 0: We've also got the Ben along Australian Equities in there. That now is underperforming as well. They've had some underlying issues, and I longer. So I'm removing that wholly from the portfolio as well.\n\nChannel 1: Yep.\n\nChannel 0: And then you've got the Vanguard diversified index in there as well. That, again, is being completely removed, hasn't been performing as well, and we have other ways to provide diversification within your portfolio that provide greater performance, which is good.\n\nChannel 1: Yep. Yep. Awesome.\n\nChannel 0: You've got the cybersecurity globe so global cybersecurity in your portfolio. You currently have 6%. We wanna reweight that to five. You're a little bit overexposed at the moment, so rebalancing this back a little bit is just as important. We've also got the battery and lithium tech.\n\nThat is being removed completely from the portfolio as is the MorningStar Global tech. Essentially, you'll still have access to tech stocks, but we found a cheaper way to do that, which has got greater past performance. And one of the things I wanted to look at because as you get older, you wanna make sure your super balance is growing. We wanted\n\nChannel 1: Yes.\n\nChannel 0: to sort of limit the fees where possible whilst giving you still exposure to areas of growth. So I'm gonna remove those completely from the portfolio.\n\nChannel 1: Yes. No problem.\n\nChannel 0: I'm also gonna remove the iShares Europe out of the portfolio as well. We're still gonna have European exposure, but just moving that investment and investing in Europe and other areas for you.\n\nChannel 1: Right. Yep.\n\nChannel 0: The S and P 500 is the top 500 companies in The US. We are keeping that in the portfolio, but you've got 24% there currently. So we only wanna hold 20% of that investment, so it just means we're gonna reweight the portfolio a little bit. And then you've also got the iShares Asia. We're still gonna hold Asia exposure, but we're gonna remove that investment and hold it in another way.\n\nChannel 1: Yep.\n\nChannel 0: You've also got the Vanguard Australian fixed interest. We still wanna hold fixed interest investments, but I've got another way to do that, which has been showing greater performance. So we're gonna remove that investment wholly from there as well. We're instead, we're going to replace essentially, we're gonna buy into the India quality ETF to give you 5% exposure into India, which has seen some very good growth, and we do expect that moving forward as well. So we're gonna increase or add some India exposure into your portfolio.\n\nWe're also gonna add some global health care. Essentially, this is looking at global health care. Health care is still a very big space, especially since COVID, and this is giving you exposure globally. So it is increasing diversification and adding a niche area where we're still seeing growth.\n\nChannel 1: Yep.\n\nChannel 0: You do currently you don't currently have a lot because we're removing sorry. The Benelong Australian equities. We kind of wanna add in there and make sure you have some exposure into Australian equities. So, essentially, we're gonna keep the beta shares Raffi Aussie two hundred, and we're also adding in the Australian beta shares a 200. So these two investments are giving you exposure to some of the largest companies on the ASX.\n\nBetween the two, it'll be at the 25% holding into the Australian market. And by removing Bannalong, which is being underperforming and adding these two investments in there, we're still keeping that exposure, adding more diversification, and providing you with a lower overall risk in your portfolio as well. So that's a positive thing, and it's\n\nChannel 1: Yep.\n\nChannel 0: cheaper. We've also got the JPMorgan re Research Enhanced Equity Fund. This one here is a little bit of an actively managed fund, but it's also very cost effective. It accesses and uses JPMorgan's research team in order to pick and choose where to invest, but it also does track global markets. So it's, again, about providing diversification, but also making sure we can find good areas to provide growth for you as well down the track.\n\nOkay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: We'll hold 15% of that investment there for you. And then because we still wanna have defensive investments, we're also gonna include core composite bonds, giving you exposure to both government and corporate bonds, and the iShares Yield Plus, which is giving you access to high yielding or high income producing fixed interest and low risk investments, which is great. Between the two\n\nChannel 1: Yep.\n\nChannel 0: of those holding 9% each, and that's giving you that, defensive component for your portfolio. Essentially, this is giving you greater diversification. It has performed better. There's a very limited CGT costs for the change, and it's a cheaper portfolio as a whole. So I felt it was a really good move to be able to switch that for you.\n\nChannel 1: Yep. No. For sure. Thank you.\n\nChannel 0: Yeah. That is a lot when you're not looking at the document, and you've had a long week. And I'm very sorry, Paul, do you have any questions that could come up at the moment?\n\nChannel 1: Not at this stage. No. You're hoping you've you've got covered everything for me. So\n\nChannel 0: Excellent. Excellent. You're probably thinking, what is she on? That all good.\n\nChannel 1: Like, someone knows\n\nChannel 0: We're\n\nChannel 1: what's\n\nChannel 0: all\n\nChannel 1: going on. That's all that matters.\n\nChannel 0: that's all good. I'll look after you.\n\nChannel 1: Thanks.\n\nChannel 0: Essentially, the rest of that is just making sure we do retain the MLC account to keep your insurances in place. We'll\n\nChannel 1: Yep.\n\nChannel 0: make sure we have an opt in form applied as well just as a secondary backup in case you are off work for any period of time and not receiving contributions just to make sure everything stays in place insurance wise.\n\nChannel 1: Yep.\n\nChannel 0: And we'll keep reviewing that with you moving forward just to sort of make sure things are key tracking, that everything is working really well for you.\n\nChannel 1: Awesome.\n\nChannel 0: The other thing I did kind of wanna just make sure that we had in line there was a brand new beneficiaries. Obviously, we haven't scoped this into the full extent, but one of the things we sort of want to look at when we spoke last time was that you had your beneficiaries split a little bit.\n\nChannel 1: Yep.\n\nChannel 0: You wanted to kind of have your spouse receive 40% of the beneficiary, but then\n\nChannel 1: Yep.\n\nChannel 0: you also wanted to have a 60% directed to your children. And\n\nChannel 1: Yes.\n\nChannel 0: your children are adults. Is that correct?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. So I have made a little bit of an extra provision in the back in here that with the beneficiaries, we actually redo them and split them. So we apply a binding non lapsing beneficiary to HUB 24 and binding lapsing into MLC. However, because of the tax consequences with the way the beneficiaries work so if you were to pass away, your spouse receives that 40% completely tax free.\n\nHowever, your children would actually receive the benefit, and they would have to they would actually pay tax on that benefit.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Alright. Can I get\n\nChannel 0: because\n\nChannel 1: a\n\nChannel 0: they're\n\nChannel 1: second?\n\nChannel 0: because they're over 18, unfortunately, they see it's coming everywhere. But\n\nChannel 1: Yep.\n\nChannel 0: being nontax dependent, your children would have to pay tax on that benefit. So what I've done to make alter the recommendation to make it more tax effective is that in both the super funds, we still nominate 40% to go to your spouse. That's absolutely fine. But then with the other 60%, we actually nominate that to go to your legal personal representative. That means that if you pass away, the portion that's meant to go to your children would go to your will.\n\nYou then just\n\nChannel 1: Yep.\n\nChannel 0: need to have a will in place that allocates that money however you wanted to to your children, and then it gets paid out. There still are tax consequences, but it helps to minimize or reduce some of the tax payables so they end up with more of the benefit. Does that make sense?\n\nChannel 1: Yep. Yep. Yep. Yep. Totally.\n\nChannel 0: Yeah. Beautiful. So that's essentially how I've altered that recommendation. It's a little bit more complex, but I've got some details in there to kinda break it down for you and to make it a little bit easier. All\n\nChannel 1: Yep.\n\nChannel 0: of the recommendations are outlined in there for you to review. We've also got a best interest duty, which relies it oh, sorry. Relates it back to your goals and why we're making those recommendations for you. And then we've also got some information and the recommendations around the estate planning, the will, the power of attorney side of things, and some\n\nChannel 1: Yep.\n\nChannel 0: advantages, disadvantages, and risks involved for you to also consider there as well. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Do you have any questions at\n\nChannel 1: No. No. This size.\n\nChannel 0: all? No? Beautiful.\n\nChannel 1: No.\n\nChannel 0: Depending\n\nChannel 1: No.\n\nChannel 0: on how much depending on how much reading you like to do, I've also got the appendices and all the product disclosure statements attached for you to run your eyes over. And we\n\nChannel 1: Yep.\n\nChannel 0: also just need to update the ongoing service agreement as well. So if you can take some time when you've got when you're awake and you've had a bit of a rest and you can run your eyes over the document, have a read through. Please let me know if you do happen to have any questions in relation to any of it. And we've also\n\nChannel 1: Yep.\n\nChannel 0: attached the ongoing service agreement there as well. You do pay 1.65% for our services on a yearly basis. That is deducted from super on a small monthly basis, and that allows us to update the advice, keep looking after everything, and make sure we are tracking towards your retirement goals there as well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. I will leave it with you so you can take some time to read it through. If there are any questions, please let me know. There's no silly questions in my world. So if there's anything that's on your mind, you're welcome to let me know.\n\nOnce you kinda have read it through and you've decided to take the advice and we implement that, I wanted to do a bit of a catch up maybe in three, six, or nine months. Would you like to do a bit of a catch up down the track and what time frame would suit you?\n\nChannel 1: Yeah. That's fine. I don't know. Maybe in six months' time.\n\nChannel 0: Yeah. Beautiful. I'll pop that in the calendar. My team will give you a call. We'll book in, and we'll have a bit of a chat just to see how things are tracking and whether any further changes need to take place there for you.\n\nHow does that sound?\n\nChannel 1: Yeah. Not perfect.\n\nChannel 0: Easy. Well, thank you so much for your time, Paul. I'll let you go. I hope you have a lovely day. If you have any questions or need anything in the meantime, I am here.\n\nI'm more than happy to take your call and help you out. Okay?\n\nChannel 1: Bravo. Thank you very much.\n\nChannel 0: Thank you. Enjoy your day.\n\nChannel 1: You too.\n\nChannel 0: Thanks, Paul. See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.031473755836486816}],"sentiment":"neutral","sentiment_score":0.031473755836486816,"channel":1,"num_words":1,"start":1.4399999,"end":1.9399999},{"sentences":[{"text":"Hi, Paul.","start":2.8,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.12557285279035568},{"text":"This is Dana from Ophiuch Financial.","start":3.4399998,"end":5.06,"sentiment":"neutral","sentiment_score":0.1628891577323278},{"text":"How are you this afternoon?","start":5.12,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.22884062230587005}],"sentiment":"neutral","sentiment_score":0.18251413565415603,"channel":0,"num_words":13,"start":2.8,"end":6.3399997},{"sentences":[{"text":"Yeah.","start":6.8799996,"end":7.12,"sentiment":"neutral","sentiment_score":0.31633108854293823},{"text":"Good folks.","start":7.12,"end":7.8599997,"sentiment":"positive","sentiment_score":0.6242939531803131}],"sentiment":"positive","sentiment_score":0.5216396649678549,"channel":1,"num_words":3,"start":6.8799996,"end":7.8599997},{"sentences":[{"text":"That's good.","start":8.32,"end":8.88,"sentiment":"positive","sentiment_score":0.7233153283596039},{"text":"I had you booked in just to go through an updated advice document with me today.","start":8.88,"end":12.559999,"sentiment":"positive","sentiment_score":0.42165431566536427},{"text":"Is now still a good time there for you?","start":12.559999,"end":14.415,"sentiment":"positive","sentiment_score":0.35483202669355607}],"sentiment":"positive","sentiment_score":0.4217254795410015,"channel":0,"num_words":27,"start":8.32,"end":14.415},{"sentences":[{"text":"Yeah.","start":14.88,"end":15.12,"sentiment":"neutral","sentiment_score":0.189948707818985},{"text":"That's fine.","start":15.12,"end":15.765,"sentiment":"neutral","sentiment_score":0.31298263370990753}],"sentiment":"neutral","sentiment_score":0.27197132507960003,"channel":1,"num_words":3,"start":14.88,"end":15.765},{"sentences":[{"text":"Fantastic.","start":16.335,"end":16.835,"sentiment":"positive","sentiment_score":0.6471032500267029},{"text":"Paul, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":17.375,"end":22.115,"sentiment":"neutral","sentiment_score":0.18933823332190514},{"text":"Are you happy for us to proceed with that?","start":22.175,"end":24.275,"sentiment":"neutral","sentiment_score":0.199556365609169}],"sentiment":"neutral","sentiment_score":0.2055067100069102,"channel":0,"num_words":34,"start":16.335,"end":24.275},{"sentences":[{"text":"Yeah.","start":24.404999,"end":24.645,"sentiment":"neutral","sentiment_score":0.12056493759155272},{"text":"That's fine.","start":24.645,"end":25.385,"sentiment":"neutral","sentiment_score":0.22409605979919434}],"sentiment":"neutral","sentiment_score":0.18958568572998047,"channel":1,"num_words":3,"start":24.404999,"end":25.385},{"sentences":[{"text":"Fantastic.","start":25.695,"end":26.195,"sentiment":"positive","sentiment_score":0.5293611288070679},{"text":"And just to the security there with you, just sec, before I go through any personal information, just to confirm your full name, your date of birth, and address I should have on file there.","start":26.335,"end":34.51,"sentiment":"neutral","sentiment_score":0.17261366695165634}],"sentiment":"neutral","sentiment_score":0.1825233186698622,"channel":0,"num_words":36,"start":25.695,"end":34.51},{"sentences":[{"text":"Paul Head,","start":35.3,"end":36.12,"sentiment":"neutral","sentiment_score":0.020914673805236816}],"sentiment":"neutral","sentiment_score":0.020914673805236816,"channel":1,"num_words":2,"start":35.3,"end":36.12},{"sentences":[{"text":"Yep.","start":36.57,"end":37.07,"sentiment":"neutral","sentiment_score":0.01623447984457016}],"sentiment":"neutral","sentiment_score":0.01623447984457016,"channel":0,"num_words":1,"start":36.57,"end":37.07},{"sentences":[{"text":"08/26/1979.","start":36.9,"end":39.24,"sentiment":"neutral","sentiment_score":0.018759984523057938}],"sentiment":"neutral","sentiment_score":0.018759984523057938,"channel":1,"num_words":1,"start":36.9,"end":39.24},{"sentences":[{"text":"Yep.","start":39.53,"end":40.03,"sentiment":"neutral","sentiment_score":0.017326410859823227}],"sentiment":"neutral","sentiment_score":0.017326410859823227,"channel":0,"num_words":1,"start":39.53,"end":40.03},{"sentences":[{"text":"73 Green Street, California.","start":39.78,"end":41.32,"sentiment":"neutral","sentiment_score":0.02565969666466117}],"sentiment":"neutral","sentiment_score":0.02565969666466117,"channel":1,"num_words":4,"start":39.78,"end":41.32},{"sentences":[{"text":"Fantastic.","start":42.555,"end":43.055,"sentiment":"positive","sentiment_score":0.48805081844329834},{"text":"Thank you so much for that.","start":43.195,"end":44.394997,"sentiment":"positive","sentiment_score":0.554278721412023},{"text":"How's your day been today?","start":44.394997,"end":45.774998,"sentiment":"neutral","sentiment_score":0.3307080090045929}],"sentiment":"positive","sentiment_score":0.45560526599486667,"channel":0,"num_words":12,"start":42.555,"end":45.774998},{"sentences":[{"text":"Yeah.","start":46.515,"end":46.835,"sentiment":"neutral","sentiment_score":-0.10456781834363936},{"text":"Busy busy, and I'm crook and I'm tired.","start":46.835,"end":49.655,"sentiment":"negative","sentiment_score":-0.4166044220328331}],"sentiment":"negative","sentiment_score":-0.38193368828958935,"channel":1,"num_words":9,"start":46.515,"end":49.655},{"sentences":[{"text":"Yeah.","start":50.394997,"end":50.875,"sentiment":"neutral","sentiment_score":-0.15575677156448364},{"text":"You sound tired.","start":50.875,"end":51.835,"sentiment":"neutral","sentiment_score":-0.26004452506701153},{"text":"I'm so sorry.","start":51.835,"end":52.475,"sentiment":"neutral","sentiment_score":-0.23066592713197073},{"text":"I'll","start":52.475,"end":52.714996,"sentiment":"neutral","sentiment_score":-0.10730616748332976}],"sentiment":"neutral","sentiment_score":-0.21689928695559502,"channel":0,"num_words":8,"start":50.394997,"end":52.714996},{"sentences":[{"text":"Yep.","start":52.595,"end":53.095,"sentiment":"neutral","sentiment_score":-0.09135745465755464}],"sentiment":"neutral","sentiment_score":-0.09135745465755464,"channel":1,"num_words":1,"start":52.595,"end":53.095},{"sentences":[{"text":"try not to take too much of your time.","start":52.714996,"end":54.235,"sentiment":"neutral","sentiment_score":-0.21854796177811092},{"text":"I know you probably had a very long week thus far.","start":54.235,"end":56.655,"sentiment":"neutral","sentiment_score":-0.2153071625666185}],"sentiment":"neutral","sentiment_score":-0.21676552221179007,"channel":0,"num_words":20,"start":52.714996,"end":56.655},{"sentences":[{"text":"Yep.","start":57.155,"end":57.45,"sentiment":"neutral","sentiment_score":-0.005698987748473883}],"sentiment":"neutral","sentiment_score":-0.005698987748473883,"channel":1,"num_words":1,"start":57.155,"end":57.45},{"sentences":[{"text":"Essentially, we last time we caught up, we wanted to have a bit of a look at your super and the investments, and we have sort of noticed some changes that needed to be made to help you along towards your retirement goals there.","start":57.66,"end":67.58,"sentiment":"neutral","sentiment_score":0.07123902960765091},{"text":"So I just wanted to run through this with you.","start":67.58,"end":69.735,"sentiment":"neutral","sentiment_score":0.08271281644701958},{"text":"Are you","start":70.135,"end":70.535,"sentiment":"neutral","sentiment_score":0.030448446050286293}],"sentiment":"neutral","sentiment_score":0.07183111355906087,"channel":0,"num_words":56,"start":57.66,"end":70.535},{"sentences":[{"text":"Yep.","start":70.25,"end":70.635,"sentiment":"neutral","sentiment_score":0.030483221635222435}],"sentiment":"neutral","sentiment_score":0.030483221635222435,"channel":1,"num_words":1,"start":70.25,"end":70.635},{"sentences":[{"text":"able to access your emails at the moment?","start":70.535,"end":72.615,"sentiment":"neutral","sentiment_score":0.026299939258024096},{"text":"I just normally send through the document to you so you can review it with me.","start":72.615,"end":76.395004,"sentiment":"neutral","sentiment_score":0.027014708670321852}],"sentiment":"neutral","sentiment_score":0.026776452199555933,"channel":0,"num_words":24,"start":70.535,"end":76.395004},{"sentences":[{"text":"I have","start":76.235,"end":76.635,"sentiment":"neutral","sentiment_score":-0.01736832968890667}],"sentiment":"neutral","sentiment_score":-0.01736832968890667,"channel":1,"num_words":2,"start":76.235,"end":76.635},{"sentences":[{"text":"If","start":76.535,"end":76.695,"sentiment":"neutral","sentiment_score":-0.04902829974889755}],"sentiment":"neutral","sentiment_score":-0.04902829974889755,"channel":0,"num_words":1,"start":76.535,"end":76.695},{"sentences":[{"text":"actually","start":76.635,"end":76.875,"sentiment":"neutral","sentiment_score":-0.07592090964317322}],"sentiment":"neutral","sentiment_score":-0.07592090964317322,"channel":1,"num_words":1,"start":76.635,"end":76.875},{"sentences":[{"text":"you can't","start":76.695,"end":77.355,"sentiment":"neutral","sentiment_score":-0.08224154263734818}],"sentiment":"neutral","sentiment_score":-0.08224154263734818,"channel":0,"num_words":2,"start":76.695,"end":77.355},{"sentences":[{"text":"got my computer turned on.","start":76.875,"end":78.235,"sentiment":"neutral","sentiment_score":-0.1459798440337181},{"text":"Yeah.","start":78.235,"end":78.475,"sentiment":"neutral","sentiment_score":-0.04319421201944351},{"text":"Sorry.","start":78.475,"end":78.975,"sentiment":"neutral","sentiment_score":-0.05625922977924347}],"sentiment":"neutral","sentiment_score":-0.11847895170961108,"channel":1,"num_words":7,"start":76.875,"end":78.975},{"sentences":[{"text":"oh, that that's okay.","start":78.695,"end":79.975,"sentiment":"neutral","sentiment_score":0.0042010510805994255},{"text":"It's not a problem.","start":79.975,"end":80.855,"sentiment":"neutral","sentiment_score":0.13808701001107693},{"text":"I'll run through things as easily as possible.","start":80.855,"end":82.103004,"sentiment":"neutral","sentiment_score":0.16726034134626389},{"text":"I'll touch on the Please ask me any questions that you have, and I'll try to make it as easy as possible.","start":82.103004,"end":90.92,"sentiment":"neutral","sentiment_score":0.11058897558938373},{"text":"I do apologize in advance.","start":90.92,"end":92.619995,"sentiment":"neutral","sentiment_score":-0.026361262053251268}],"sentiment":"neutral","sentiment_score":0.09786944483341865,"channel":0,"num_words":43,"start":78.695,"end":92.619995},{"sentences":[{"text":"All good.","start":93.08,"end":93.74,"sentiment":"neutral","sentiment_score":0.2848881930112839},{"text":"Easy.","start":94.28,"end":94.78,"sentiment":"neutral","sentiment_score":0.2292759120464325},{"text":"So, Paul, with this one here, on the front of the document when you are looking at it, it has been noted prepared for yourself forward as of the 09/08/2026.","start":95.255,"end":103.835,"sentiment":"neutral","sentiment_score":0.06910040353735288},{"text":"All of our advice is valid for sixty days from the date of the document.","start":104.055,"end":107.095,"sentiment":"neutral","sentiment_score":0.08037711530923844},{"text":"So you can take some time to read it through.","start":107.095,"end":108.93,"sentiment":"neutral","sentiment_score":0.06679362449795008}],"sentiment":"neutral","sentiment_score":0.08182167894495972,"channel":0,"num_words":58,"start":93.08,"end":108.93},{"sentences":[{"text":"And then if you're happy to take on the recommendations, we'll get you signed and return that back there for us.","start":109.090004,"end":113.65,"sentiment":"positive","sentiment_score":0.336852212037359},{"text":"Okay?","start":113.65,"end":114.15,"sentiment":"neutral","sentiment_score":0.3058772087097168}],"sentiment":"positive","sentiment_score":0.335444257340648,"channel":0,"num_words":22,"start":109.090004,"end":114.15},{"sentences":[{"text":"Awesome.","start":114.29,"end":114.79,"sentiment":"positive","sentiment_score":0.6192612648010254}],"sentiment":"positive","sentiment_score":0.6192612648010254,"channel":1,"num_words":1,"start":114.29,"end":114.79},{"sentences":[{"text":"On the bottom of the document prepared by myself here, Dana Taylor, and my my team here at Ofori Financial, and my authorized representative number is 13043 sorry.","start":115.41,"end":125.005005,"sentiment":"neutral","sentiment_score":0.14648576639592648},{"text":"130","start":125.005005,"end":125.645004,"sentiment":"neutral","sentiment_score":0.008950927294790745}],"sentiment":"neutral","sentiment_score":0.14174318573726663,"channel":0,"num_words":29,"start":115.41,"end":125.645004},{"sentences":[{"text":"Yep.","start":125.57,"end":126.07,"sentiment":"neutral","sentiment_score":0.011021035723388197}],"sentiment":"neutral","sentiment_score":0.011021035723388197,"channel":1,"num_words":1,"start":125.57,"end":126.07},{"sentences":[{"text":"4394.","start":125.645004,"end":126.765,"sentiment":"neutral","sentiment_score":0.008209440857172012},{"text":"My apologies.","start":126.765,"end":127.325005,"sentiment":"neutral","sentiment_score":-0.12541965395212173},{"text":"A bit tongue tied this afternoon.","start":127.325005,"end":128.785,"sentiment":"neutral","sentiment_score":-0.22998698304096857},{"text":"And I'm registered as an adviser with ASIC there as well.","start":130.045,"end":133.185,"sentiment":"neutral","sentiment_score":0.011592797088352117},{"text":"As you scroll","start":133.485,"end":134.205,"sentiment":"neutral","sentiment_score":0.011579643003642559}],"sentiment":"neutral","sentiment_score":-0.06349095949174269,"channel":0,"num_words":23,"start":125.645004,"end":134.205},{"sentences":[{"text":"Yes.","start":133.94499,"end":134.44499,"sentiment":"neutral","sentiment_score":0.05191818252205849}],"sentiment":"neutral","sentiment_score":0.05191818252205849,"channel":1,"num_words":1,"start":133.94499,"end":134.44499},{"sentences":[{"text":"through the document, you'll see the best interest duties, table of contents, and then we've got some scoping, some areas that we are and are not looking at with regards to this advice piece.","start":134.205,"end":142.81,"sentiment":"neutral","sentiment_score":0.030451049809070194}],"sentiment":"neutral","sentiment_score":0.030451049809070194,"channel":0,"num_words":34,"start":134.205,"end":142.81},{"sentences":[{"text":"Yep.","start":143.385,"end":143.73,"sentiment":"neutral","sentiment_score":0.0913434624671936}],"sentiment":"neutral","sentiment_score":0.0913434624671936,"channel":1,"num_words":1,"start":143.385,"end":143.73},{"sentences":[{"text":"Essentially, last time we spoke, your goal to access Super was around about age 65, hopefully, drawing an income of around about $700 per week to cover your living expenses.","start":143.51,"end":154.235,"sentiment":"neutral","sentiment_score":0.1053012100358804},{"text":"Is that still fairly appropriate for your goal?","start":154.295,"end":156.295,"sentiment":"neutral","sentiment_score":0.14005487505346537},{"text":"Do you think that might have changed","start":156.295,"end":157.57501,"sentiment":"neutral","sentiment_score":-0.012011142181498664}],"sentiment":"neutral","sentiment_score":0.09323105124963654,"channel":0,"num_words":45,"start":143.51,"end":157.57501},{"sentences":[{"text":"Yep.","start":157.48999,"end":157.97,"sentiment":"neutral","sentiment_score":-0.013884123414754868}],"sentiment":"neutral","sentiment_score":-0.013884123414754868,"channel":1,"num_words":1,"start":157.48999,"end":157.97},{"sentences":[{"text":"at all?","start":157.57501,"end":158.235,"sentiment":"neutral","sentiment_score":-0.012741325423121452}],"sentiment":"neutral","sentiment_score":-0.012741325423121452,"channel":0,"num_words":2,"start":157.57501,"end":158.235},{"sentences":[{"text":"Yep.","start":157.97,"end":158.29,"sentiment":"neutral","sentiment_score":0.03493581712245941},{"text":"No.","start":158.29,"end":158.45,"sentiment":"neutral","sentiment_score":-0.009593881666660309},{"text":"That'd be that'd be good.","start":158.45,"end":159.705,"sentiment":"neutral","sentiment_score":0.10698751509189605}],"sentiment":"neutral","sentiment_score":0.0800399301307542,"channel":1,"num_words":7,"start":157.97,"end":159.705},{"sentences":[{"text":"Fantastic.","start":160.21501,"end":160.71501,"sentiment":"positive","sentiment_score":0.6484265327453613},{"text":"I've also got down here we consider your insurances.","start":161.255,"end":163.675,"sentiment":"neutral","sentiment_score":0.3143143124050564},{"text":"So you were happy to retain the level of cover you have within MLC at the time you were having so you were on light duties and having some shoulder surgery.","start":163.895,"end":171.83,"sentiment":"neutral","sentiment_score":0.21795348582729215},{"text":"How did that go, and are you back sort of full time, or how was everything since that surgery?","start":171.83,"end":176.17,"sentiment":"neutral","sentiment_score":0.11362695341047488}],"sentiment":"neutral","sentiment_score":0.20654542533059914,"channel":0,"num_words":60,"start":160.21501,"end":176.17},{"sentences":[{"text":"Well, I'm I'm still on light duties, and","start":176.95001,"end":179.91,"sentiment":"neutral","sentiment_score":-0.037340649287216365}],"sentiment":"neutral","sentiment_score":-0.037340649287216365,"channel":1,"num_words":8,"start":176.95001,"end":179.91},{"sentences":[{"text":"Yeah.","start":179.895,"end":180.395,"sentiment":"neutral","sentiment_score":-0.07962682843208313}],"sentiment":"neutral","sentiment_score":-0.07962682843208313,"channel":0,"num_words":1,"start":179.895,"end":180.395},{"sentences":[{"text":"I've gotta have some nerve blockers before they recommend surgery.","start":179.91,"end":183.43001,"sentiment":"neutral","sentiment_score":-0.17956324070692062},{"text":"So they're trying to figure","start":183.43001,"end":184.47,"sentiment":"neutral","sentiment_score":-0.0953138530254364}],"sentiment":"neutral","sentiment_score":-0.1514801114797592,"channel":1,"num_words":15,"start":179.91,"end":184.47},{"sentences":[{"text":"Okay.","start":184.375,"end":184.875,"sentiment":"neutral","sentiment_score":-0.0850621685385704}],"sentiment":"neutral","sentiment_score":-0.0850621685385704,"channel":0,"num_words":1,"start":184.375,"end":184.875},{"sentences":[{"text":"out when and where where it starts and where it ends and everything.","start":184.47,"end":188.07,"sentiment":"neutral","sentiment_score":-0.0862975693666018},{"text":"So there's a bit going on.","start":188.07,"end":189.27,"sentiment":"neutral","sentiment_score":-0.1272605968018373},{"text":"So","start":189.27,"end":189.585,"sentiment":"neutral","sentiment_score":-0.14604201912879944}],"sentiment":"neutral","sentiment_score":-0.10157370008528233,"channel":1,"num_words":20,"start":184.47,"end":189.585},{"sentences":[{"text":"Oh, yeah.","start":189.49501,"end":190.29501,"sentiment":"neutral","sentiment_score":-0.23014432191848755},{"text":"You poor thing.","start":190.29501,"end":191.095,"sentiment":"negative","sentiment_score":-0.5526043772697449},{"text":"Oh, you must be in pain as well while they're trying to figure","start":191.095,"end":193.59,"sentiment":"negative","sentiment_score":-0.42338452201623183}],"sentiment":"negative","sentiment_score":-0.4234500312142902,"channel":0,"num_words":18,"start":189.49501,"end":193.59},{"sentences":[{"text":"yeah.","start":193.425,"end":193.925,"sentiment":"neutral","sentiment_score":-0.3111432194709778}],"sentiment":"neutral","sentiment_score":-0.3111432194709778,"channel":1,"num_words":1,"start":193.425,"end":193.925},{"sentences":[{"text":"it all out.","start":193.59,"end":194.49,"sentiment":"neutral","sentiment_score":-0.22427439192930856}],"sentiment":"neutral","sentiment_score":-0.22427439192930856,"channel":0,"num_words":3,"start":193.59,"end":194.49},{"sentences":[{"text":"Yeah.","start":194.38501,"end":194.785,"sentiment":"neutral","sentiment_score":-0.20905831456184387},{"text":"It's not great.","start":194.785,"end":195.765,"sentiment":"negative","sentiment_score":-0.4022177755832672}],"sentiment":"negative","sentiment_score":-0.3539279103279114,"channel":1,"num_words":4,"start":194.38501,"end":195.765},{"sentences":[{"text":"No.","start":196.06999,"end":196.47,"sentiment":"neutral","sentiment_score":-0.28653621673583984},{"text":"I'm so sorry to hear that, Paul.","start":196.47,"end":198.15,"sentiment":"neutral","sentiment_score":-0.23384233670575277},{"text":"Well, we'll definitely retain those insurances for the time being, but I have this I have considered","start":198.15,"end":202.31,"sentiment":"neutral","sentiment_score":0.03853143127087284}],"sentiment":"neutral","sentiment_score":-0.05073592968285084,"channel":0,"num_words":25,"start":196.06999,"end":202.31},{"sentences":[{"text":"Yep.","start":202.24,"end":202.74,"sentiment":"neutral","sentiment_score":0.02736810222268105}],"sentiment":"neutral","sentiment_score":0.02736810222268105,"channel":1,"num_words":1,"start":202.24,"end":202.74},{"sentences":[{"text":"them as part of the advice because, essentially, they are paid out of your super.","start":202.31,"end":206.41,"sentiment":"neutral","sentiment_score":0.05024401942888896},{"text":"So it's important to consider them when we are projecting things forward for you.","start":206.82501,"end":210.74501,"sentiment":"neutral","sentiment_score":0.11987806696976934},{"text":"Okay?","start":210.74501,"end":211.24501,"sentiment":"neutral","sentiment_score":0.08546528220176697}],"sentiment":"neutral","sentiment_score":0.08391395037372908,"channel":0,"num_words":30,"start":202.31,"end":211.24501},{"sentences":[{"text":"Yep.","start":211.20001,"end":211.68001,"sentiment":"neutral","sentiment_score":0.08488605916500092},{"text":"Yep.","start":211.68001,"end":212.18001,"sentiment":"neutral","sentiment_score":0.08010676503181458}],"sentiment":"neutral","sentiment_score":0.08249641209840775,"channel":1,"num_words":2,"start":211.20001,"end":212.18001},{"sentences":[{"text":"We've also got the estate planning.","start":212.10501,"end":213.96501,"sentiment":"neutral","sentiment_score":0.0942767895758152},{"text":"Essentially, you do have your beneficiaries on file.","start":214.185,"end":216.265,"sentiment":"neutral","sentiment_score":0.08468691213056445},{"text":"You are happy to do so, but I have put a little bit in here to recommend that you do speak to a solicitor to draw up a will and power of attorney to make sure the other areas of estate planning are fully sorted for you and your family.","start":216.265,"end":227.81,"sentiment":"neutral","sentiment_score":0.2584840784966946},{"text":"Okay.","start":227.95,"end":228.45,"sentiment":"neutral","sentiment_score":0.12431962043046953}],"sentiment":"neutral","sentiment_score":0.21987199353484008,"channel":0,"num_words":65,"start":212.10501,"end":228.45},{"sentences":[{"text":"Yep.","start":228.49501,"end":228.72,"sentiment":"neutral","sentiment_score":0.1226363480091095},{"text":"Yep.","start":229.2,"end":229.7,"sentiment":"neutral","sentiment_score":0.2045015394687653}],"sentiment":"neutral","sentiment_score":0.16356894373893738,"channel":1,"num_words":2,"start":228.49501,"end":229.7},{"sentences":[{"text":"Excellent.","start":229.55,"end":230.05,"sentiment":"positive","sentiment_score":0.5124123096466064},{"text":"Areas that we're not looking for advice at the moment is around income protection and trauma.","start":230.19,"end":234.11,"sentiment":"neutral","sentiment_score":-0.15587852941825986},{"text":"So you do hold life and TPD, but no income protection or trauma because you are on light duties and about to go through surgery.","start":234.11,"end":240.505,"sentiment":"neutral","sentiment_score":-0.1306147602200508},{"text":"Generally, to get new cover, we would have to be able to see you through that first and make sure that you're on the other side of it, the recovery side of things, and see what the doctor's report show.","start":240.565,"end":250.81,"sentiment":"neutral","sentiment_score":-0.038127476349473},{"text":"We can look at additional insurances down the track for you, but for the time being, we're just retaining what you currently have.","start":250.95,"end":256.65,"sentiment":"neutral","sentiment_score":0.01754905101235794}],"sentiment":"neutral","sentiment_score":-0.0606522290213477,"channel":0,"num_words":105,"start":229.55,"end":256.65},{"sentences":[{"text":"And last time","start":256.71,"end":257.35,"sentiment":"neutral","sentiment_score":0.1266244426369667}],"sentiment":"neutral","sentiment_score":0.1266244426369667,"channel":0,"num_words":3,"start":256.71,"end":257.35},{"sentences":[{"text":"Yep.","start":257.15,"end":257.65,"sentiment":"neutral","sentiment_score":0.27626311779022217}],"sentiment":"neutral","sentiment_score":0.27626311779022217,"channel":1,"num_words":1,"start":257.15,"end":257.65},{"sentences":[{"text":"you and I spoke, you were happy with that as well.","start":257.35,"end":259.83,"sentiment":"positive","sentiment_score":0.37218100374395197},{"text":"Okay?","start":259.83,"end":260.33,"sentiment":"neutral","sentiment_score":0.1765010952949524}],"sentiment":"positive","sentiment_score":0.35587434470653534,"channel":0,"num_words":12,"start":257.35,"end":260.33},{"sentences":[{"text":"Yeah.","start":259.87,"end":260.11,"sentiment":"neutral","sentiment_score":0.16774529218673706},{"text":"That is fine.","start":260.11,"end":261.01,"sentiment":"neutral","sentiment_score":0.28909916679064435},{"text":"Yep.","start":261.07,"end":261.57,"sentiment":"neutral","sentiment_score":0.2689315974712372}],"sentiment":"neutral","sentiment_score":0.26079487800598145,"channel":1,"num_words":5,"start":259.87,"end":261.57},{"sentences":[{"text":"Excellent.","start":261.35,"end":261.85,"sentiment":"positive","sentiment_score":0.4864022731781006},{"text":"And, also, cash flow and budgeting.","start":262.525,"end":264.125,"sentiment":"neutral","sentiment_score":0.20532782624165216},{"text":"So you are looking","start":264.125,"end":265.005,"sentiment":"neutral","sentiment_score":0.05926058813929558}],"sentiment":"neutral","sentiment_score":0.17776468938047235,"channel":0,"num_words":11,"start":261.35,"end":265.005},{"sentences":[{"text":"Yeah.","start":264.765,"end":265.265,"sentiment":"neutral","sentiment_score":0.05351126194000244}],"sentiment":"neutral","sentiment_score":0.05351126194000244,"channel":1,"num_words":1,"start":264.765,"end":265.265},{"sentences":[{"text":"to purchase a house over the next sort of twelve months or so.","start":265.005,"end":268.065,"sentiment":"neutral","sentiment_score":0.06182875426915976},{"text":"Is that still a goal down the track, or is that just being pushed back a little bit more?","start":268.365,"end":271.885,"sentiment":"neutral","sentiment_score":-0.002100875797240358},{"text":"How's","start":271.885,"end":272.205,"sentiment":"neutral","sentiment_score":-0.030095931142568588}],"sentiment":"neutral","sentiment_score":0.02223518891542247,"channel":0,"num_words":33,"start":265.005,"end":272.205},{"sentences":[{"text":"I","start":272.125,"end":272.20502,"sentiment":"neutral","sentiment_score":-0.031236067414283752}],"sentiment":"neutral","sentiment_score":-0.031236067414283752,"channel":1,"num_words":1,"start":272.125,"end":272.20502},{"sentences":[{"text":"that","start":272.205,"end":272.365,"sentiment":"neutral","sentiment_score":-0.02346375584602356}],"sentiment":"neutral","sentiment_score":-0.02346375584602356,"channel":0,"num_words":1,"start":272.205,"end":272.365},{"sentences":[{"text":"just","start":272.20502,"end":272.445,"sentiment":"neutral","sentiment_score":-0.05051806941628456}],"sentiment":"neutral","sentiment_score":-0.05051806941628456,"channel":1,"num_words":1,"start":272.20502,"end":272.445},{"sentences":[{"text":"goal?","start":272.365,"end":272.865,"sentiment":"neutral","sentiment_score":-0.045286670327186584}],"sentiment":"neutral","sentiment_score":-0.045286670327186584,"channel":0,"num_words":1,"start":272.365,"end":272.865},{"sentences":[{"text":"wanna please push it back just because the interest rates in them at the moment.","start":272.445,"end":275.565,"sentiment":"neutral","sentiment_score":-0.09496021121740342},{"text":"So","start":275.565,"end":276.065,"sentiment":"neutral","sentiment_score":-0.0001912415027618408}],"sentiment":"neutral","sentiment_score":-0.08903715061023831,"channel":1,"num_words":16,"start":272.445,"end":276.065},{"sentences":[{"text":"Yeah.","start":275.965,"end":276.39,"sentiment":"neutral","sentiment_score":0.006479725241661072},{"text":"Understandable.","start":276.71002,"end":277.21002,"sentiment":"neutral","sentiment_score":-0.0027317851781845093},{"text":"It's","start":277.91,"end":278.15002,"sentiment":"neutral","sentiment_score":-0.07612033933401108}],"sentiment":"neutral","sentiment_score":-0.024124133090178173,"channel":0,"num_words":3,"start":275.965,"end":278.15002},{"sentences":[{"text":"yeah.","start":278.125,"end":278.52502,"sentiment":"neutral","sentiment_score":-0.08628849685192108}],"sentiment":"neutral","sentiment_score":-0.08628849685192108,"channel":1,"num_words":1,"start":278.125,"end":278.52502},{"sentences":[{"text":"a little","start":278.15002,"end":278.55002,"sentiment":"neutral","sentiment_score":-0.1552371010184288}],"sentiment":"neutral","sentiment_score":-0.1552371010184288,"channel":0,"num_words":2,"start":278.15002,"end":278.55002},{"sentences":[{"text":"Yep.","start":278.52502,"end":278.92502,"sentiment":"neutral","sentiment_score":-0.15044963359832764}],"sentiment":"neutral","sentiment_score":-0.15044963359832764,"channel":1,"num_words":1,"start":278.52502,"end":278.92502},{"sentences":[{"text":"bit hard","start":278.55002,"end":278.95,"sentiment":"neutral","sentiment_score":-0.20322340726852417}],"sentiment":"neutral","sentiment_score":-0.20322340726852417,"channel":0,"num_words":2,"start":278.55002,"end":278.95},{"sentences":[{"text":"Yep.","start":278.92502,"end":279.42502,"sentiment":"neutral","sentiment_score":-0.16166871786117554}],"sentiment":"neutral","sentiment_score":-0.16166871786117554,"channel":1,"num_words":1,"start":278.92502,"end":279.42502},{"sentences":[{"text":"to understand when when's the right time, isn't it?","start":278.95,"end":281.61002,"sentiment":"neutral","sentiment_score":-0.1463693082332611}],"sentiment":"neutral","sentiment_score":-0.1463693082332611,"channel":0,"num_words":9,"start":278.95,"end":281.61002},{"sentences":[{"text":"Yeah.","start":281.61002,"end":281.93,"sentiment":"neutral","sentiment_score":-0.028336944058537483},{"text":"Jeffrey.","start":281.93,"end":282.43,"sentiment":"neutral","sentiment_score":-0.02703612484037876}],"sentiment":"neutral","sentiment_score":-0.027686534449458122,"channel":1,"num_words":2,"start":281.61002,"end":282.43},{"sentences":[{"text":"Yeah.","start":283.27002,"end":283.75,"sentiment":"neutral","sentiment_score":0.05668159574270248},{"text":"All good.","start":283.75,"end":284.49002,"sentiment":"neutral","sentiment_score":0.16022077202796936},{"text":"Then when you're looking at the document, we do have the about you section, your assets and liabilities noted as per our last conversation there, and then an outline of your current insurance policy.","start":284.95,"end":293.935,"sentiment":"neutral","sentiment_score":0.02881146052523571},{"text":"So within MLC, there at the moment, you have your life and TBD cover.","start":293.935,"end":297.63498,"sentiment":"neutral","sentiment_score":0.02016282341043864},{"text":"You have a sum insured of 90,820 between the two, and the premium for those paid out of the MLC is $1,113.35 for the year.","start":297.935,"end":308.83,"sentiment":"neutral","sentiment_score":0.05137875333428383}],"sentiment":"neutral","sentiment_score":0.03846659419420911,"channel":0,"num_words":76,"start":283.27002,"end":308.83},{"sentences":[{"text":"Okay?","start":308.83,"end":309.33,"sentiment":"neutral","sentiment_score":0.05830942466855049}],"sentiment":"neutral","sentiment_score":0.05830942466855049,"channel":0,"num_words":1,"start":308.83,"end":309.33},{"sentences":[{"text":"Yep.","start":309.32,"end":309.82,"sentiment":"neutral","sentiment_score":0.08453034609556198},{"text":"Yep.","start":309.96,"end":310.46,"sentiment":"neutral","sentiment_score":0.16086445748806}],"sentiment":"neutral","sentiment_score":0.12269740179181099,"channel":1,"num_words":2,"start":309.32,"end":310.46},{"sentences":[{"text":"Excellent.","start":310.19,"end":310.69,"sentiment":"positive","sentiment_score":0.39038822054862976},{"text":"Now to start sort of going through the recommendations there for you, I did go back and look at all of your super and the investments within to sort of see how everything was tracking for you.","start":310.91,"end":319.485,"sentiment":"neutral","sentiment_score":0.1354178973549121},{"text":"Within","start":319.805,"end":320.205,"sentiment":"neutral","sentiment_score":0.045107871294021606}],"sentiment":"neutral","sentiment_score":0.13963995625575384,"channel":0,"num_words":39,"start":310.19,"end":320.205},{"sentences":[{"text":"Yep.","start":320.185,"end":320.685,"sentiment":"neutral","sentiment_score":0.011085903272032738}],"sentiment":"neutral","sentiment_score":0.011085903272032738,"channel":1,"num_words":1,"start":320.185,"end":320.685},{"sentences":[{"text":"hub twenty four at the moment, your current balance is 81,070, and then we've also got about thirty three thousand one thirty eight within MLC there at the moment.","start":320.205,"end":329.425,"sentiment":"neutral","sentiment_score":0.020798789176704555},{"text":"Between","start":330.04498,"end":330.365,"sentiment":"neutral","sentiment_score":0.050390370190143585}],"sentiment":"neutral","sentiment_score":0.021785175210485855,"channel":0,"num_words":30,"start":320.205,"end":330.365},{"sentences":[{"text":"Yep.","start":330.22,"end":330.72,"sentiment":"neutral","sentiment_score":0.030199741944670677}],"sentiment":"neutral","sentiment_score":0.030199741944670677,"channel":1,"num_words":1,"start":330.22,"end":330.72},{"sentences":[{"text":"the two funds, you do have your admin fees, investment fees, the ongoing service fee for us looking after everything comes out of hub twenty four, and contributions going into MLC, which is also where your insurance premiums are deducted from.","start":330.365,"end":342.56,"sentiment":"neutral","sentiment_score":0.04279441418262517}],"sentiment":"neutral","sentiment_score":0.04279441418262517,"channel":0,"num_words":41,"start":330.365,"end":342.56},{"sentences":[{"text":"Yep.","start":343.18,"end":343.66,"sentiment":"neutral","sentiment_score":0.033849045634269714},{"text":"Yep.","start":343.66,"end":344.055,"sentiment":"neutral","sentiment_score":0.03661383688449859}],"sentiment":"neutral","sentiment_score":0.035231441259384155,"channel":1,"num_words":2,"start":343.18,"end":344.055},{"sentences":[{"text":"When we sort of spoke last time, you we did your risk profiling, had a bit of a chat about you being a growth investor, which has a eighty twenty split, if you remember to that conversation there.","start":343.82,"end":353.565,"sentiment":"neutral","sentiment_score":0.03908688168188459}],"sentiment":"neutral","sentiment_score":0.03908688168188459,"channel":0,"num_words":38,"start":343.82,"end":353.565},{"sentences":[{"text":"Yep.","start":353.255,"end":353.755,"sentiment":"neutral","sentiment_score":0.06360676139593124}],"sentiment":"neutral","sentiment_score":0.06360676139593124,"channel":1,"num_words":1,"start":353.255,"end":353.755},{"sentences":[{"text":"So 80","start":353.625,"end":354.025,"sentiment":"neutral","sentiment_score":0.12134318053722382}],"sentiment":"neutral","sentiment_score":0.12134318053722382,"channel":0,"num_words":2,"start":353.625,"end":354.025},{"sentences":[{"text":"Yep.","start":353.895,"end":354.395,"sentiment":"neutral","sentiment_score":0.13833068311214447}],"sentiment":"neutral","sentiment_score":0.13833068311214447,"channel":1,"num_words":1,"start":353.895,"end":354.395},{"sentences":[{"text":"percent growth, 20% low risk defensive investments.","start":354.025,"end":357.085,"sentiment":"neutral","sentiment_score":0.19255128183535167},{"text":"You were","start":357.705,"end":357.94498,"sentiment":"neutral","sentiment_score":0.19681984931230545}],"sentiment":"neutral","sentiment_score":0.19349985238578585,"channel":0,"num_words":9,"start":354.025,"end":357.94498},{"sentences":[{"text":"Yep.","start":357.88,"end":358.12,"sentiment":"neutral","sentiment_score":0.20716235041618347}],"sentiment":"neutral","sentiment_score":0.20716235041618347,"channel":1,"num_words":1,"start":357.88,"end":358.12},{"sentences":[{"text":"fairly","start":357.94498,"end":358.26498,"sentiment":"neutral","sentiment_score":0.28937506675720215}],"sentiment":"neutral","sentiment_score":0.28937506675720215,"channel":0,"num_words":1,"start":357.94498,"end":358.26498},{"sentences":[{"text":"Yep.","start":358.12,"end":358.62,"sentiment":"positive","sentiment_score":0.37874817848205566}],"sentiment":"positive","sentiment_score":0.37874817848205566,"channel":1,"num_words":1,"start":358.12,"end":358.62},{"sentences":[{"text":"happy with that.","start":358.26498,"end":358.92,"sentiment":"positive","sentiment_score":0.5845689177513123},{"text":"It does sort of suit someone who has a six year time horizon for accessing super.","start":358.92,"end":362.84,"sentiment":"positive","sentiment_score":0.3841110784560442},{"text":"Are you still comfortable in that portfolio or that","start":362.84,"end":365.58002,"sentiment":"neutral","sentiment_score":0.11865606407324474}],"sentiment":"neutral","sentiment_score":0.3202638780432088,"channel":0,"num_words":28,"start":358.26498,"end":365.58002},{"sentences":[{"text":"Yep.","start":365.16,"end":365.66,"sentiment":"neutral","sentiment_score":0.09129820764064787},{"text":"Yep.","start":365.88,"end":366.38,"sentiment":"neutral","sentiment_score":0.028207194060087204}],"sentiment":"neutral","sentiment_score":0.05975270085036754,"channel":1,"num_words":2,"start":365.16,"end":366.38},{"sentences":[{"text":"risk level here?","start":365.96,"end":367.1,"sentiment":"neutral","sentiment_score":0.03017788752913475}],"sentiment":"neutral","sentiment_score":0.03017788752913475,"channel":0,"num_words":3,"start":365.96,"end":367.1},{"sentences":[{"text":"Yep.","start":366.91,"end":367.16,"sentiment":"neutral","sentiment_score":0.07078422605991364},{"text":"Yep.","start":367.16,"end":367.66,"sentiment":"neutral","sentiment_score":0.21455562114715576}],"sentiment":"neutral","sentiment_score":0.1426699236035347,"channel":1,"num_words":2,"start":366.91,"end":367.66},{"sentences":[{"text":"Beautiful.","start":367.24,"end":367.74,"sentiment":"positive","sentiment_score":0.4815788865089417}],"sentiment":"positive","sentiment_score":0.4815788865089417,"channel":0,"num_words":1,"start":367.24,"end":367.74},{"sentences":[{"text":"Yep.","start":367.72,"end":368.22,"sentiment":"neutral","sentiment_score":0.16935908794403076}],"sentiment":"neutral","sentiment_score":0.16935908794403076,"channel":1,"num_words":1,"start":367.72,"end":368.22},{"sentences":[{"text":"When I look at your current portfolio, I did note there were some underperforming assets.","start":368.52,"end":372.7,"sentiment":"neutral","sentiment_score":-0.08973379582166671},{"text":"So, essentially, this year, we have seen a lot of volatility in the market.","start":372.78497,"end":376.00497,"sentiment":"neutral","sentiment_score":-0.21757344901561737},{"text":"There has been a lot of ups and downs with everything that has been going on.","start":376.22498,"end":379.185,"sentiment":"neutral","sentiment_score":-0.24776921141892672},{"text":"And so I have sort of found that there's maybe some changes that we need to make to your portfolio to make sure it does work a little bit harder for you.","start":379.185,"end":386.245,"sentiment":"neutral","sentiment_score":-0.19006063300184906},{"text":"When we","start":386.36,"end":386.64,"sentiment":"neutral","sentiment_score":-0.13360870257019997}],"sentiment":"neutral","sentiment_score":-0.1861455730056461,"channel":0,"num_words":79,"start":368.52,"end":386.64},{"sentences":[{"text":"Yep.","start":386.55,"end":387.05,"sentiment":"neutral","sentiment_score":-0.11608719825744628}],"sentiment":"neutral","sentiment_score":-0.11608719825744628,"channel":1,"num_words":1,"start":386.55,"end":387.05},{"sentences":[{"text":"look at how everything has been performing over the past five years, and when you look at the past five years, there has been a lot of ups and downs.","start":386.64,"end":393.24,"sentiment":"neutral","sentiment_score":-0.14559376314282418},{"text":"The market","start":393.24,"end":393.8,"sentiment":"neutral","sentiment_score":-0.07127166911959648}],"sentiment":"neutral","sentiment_score":-0.14094863226637244,"channel":0,"num_words":32,"start":386.64,"end":393.8},{"sentences":[{"text":"Yep.","start":393.75,"end":394.25,"sentiment":"neutral","sentiment_score":-0.08571174740791321}],"sentiment":"neutral","sentiment_score":-0.08571174740791321,"channel":1,"num_words":1,"start":393.75,"end":394.25},{"sentences":[{"text":"has not been steady in the past five years","start":393.8,"end":396.2,"sentiment":"neutral","sentiment_score":-0.1289252597424719}],"sentiment":"neutral","sentiment_score":-0.1289252597424719,"channel":0,"num_words":9,"start":393.8,"end":396.2},{"sentences":[{"text":"No.","start":395.91,"end":396.07,"sentiment":"neutral","sentiment_score":-0.19122904539108276},{"text":"I've","start":396.07,"end":396.31,"sentiment":"neutral","sentiment_score":-0.20272928476333615}],"sentiment":"neutral","sentiment_score":-0.19697916507720947,"channel":1,"num_words":2,"start":395.91,"end":396.31},{"sentences":[{"text":"at","start":396.2,"end":396.52,"sentiment":"neutral","sentiment_score":-0.22077876329421997}],"sentiment":"neutral","sentiment_score":-0.22077876329421997,"channel":0,"num_words":1,"start":396.2,"end":396.52},{"sentences":[{"text":"noticed.","start":396.31,"end":396.81,"sentiment":"neutral","sentiment_score":-0.19455650448799133}],"sentiment":"neutral","sentiment_score":-0.19455650448799133,"channel":1,"num_words":1,"start":396.31,"end":396.81},{"sentences":[{"text":"at all.","start":396.52,"end":397.26,"sentiment":"neutral","sentiment_score":-0.19157207757234573},{"text":"And,","start":398.6,"end":398.84,"sentiment":"neutral","sentiment_score":-0.1620500683784485}],"sentiment":"neutral","sentiment_score":-0.18173140784104666,"channel":0,"num_words":3,"start":396.52,"end":398.84},{"sentences":[{"text":"I I","start":398.685,"end":398.845,"sentiment":"neutral","sentiment_score":-0.2187732458114624}],"sentiment":"neutral","sentiment_score":-0.2187732458114624,"channel":1,"num_words":2,"start":398.685,"end":398.845},{"sentences":[{"text":"essentially,","start":398.84,"end":399.34,"sentiment":"neutral","sentiment_score":-0.20902803540229797}],"sentiment":"neutral","sentiment_score":-0.20902803540229797,"channel":0,"num_words":1,"start":398.84,"end":399.34},{"sentences":[{"text":"got confused","start":398.845,"end":399.48502,"sentiment":"neutral","sentiment_score":-0.24392778426408768}],"sentiment":"neutral","sentiment_score":-0.24392778426408768,"channel":1,"num_words":2,"start":398.845,"end":399.48502},{"sentences":[{"text":"when","start":399.4,"end":399.9,"sentiment":"neutral","sentiment_score":-0.2446507066488266}],"sentiment":"neutral","sentiment_score":-0.2446507066488266,"channel":0,"num_words":1,"start":399.4,"end":399.9},{"sentences":[{"text":"when COVID hit because I've nearly lost, like, $30, and I went, oh, hang on.","start":399.48502,"end":403.585,"sentiment":"neutral","sentiment_score":-0.26813114086786904}],"sentiment":"neutral","sentiment_score":-0.26813114086786904,"channel":1,"num_words":15,"start":399.48502,"end":403.585},{"sentences":[{"text":"wow.","start":403.165,"end":403.665,"sentiment":"neutral","sentiment_score":-0.08571676909923553},{"text":"Yeah.","start":404.605,"end":405.085,"sentiment":"neutral","sentiment_score":-0.08530119061470032},{"text":"No.","start":405.085,"end":405.325,"sentiment":"neutral","sentiment_score":-0.139258474111557},{"text":"Well, if you ever feel like that, please give me a call.","start":405.325,"end":407.645,"sentiment":"neutral","sentiment_score":-0.06773801768819492},{"text":"I am here to help and to talk you through those times.","start":407.645,"end":410.145,"sentiment":"neutral","sentiment_score":0.08581604436039925}],"sentiment":"neutral","sentiment_score":-0.003457041250334845,"channel":0,"num_words":27,"start":403.165,"end":410.145},{"sentences":[{"text":"I don't","start":410.205,"end":410.605,"sentiment":"neutral","sentiment_score":-0.20220163464546204}],"sentiment":"neutral","sentiment_score":-0.20220163464546204,"channel":0,"num_words":2,"start":410.205,"end":410.605},{"sentences":[{"text":"Yep.","start":410.525,"end":410.88,"sentiment":"neutral","sentiment_score":-0.19933730363845825}],"sentiment":"neutral","sentiment_score":-0.19933730363845825,"channel":1,"num_words":1,"start":410.525,"end":410.88},{"sentences":[{"text":"want you to feel like you have to stress on your own, and we do a lot of looking at the markets and a lot of talking people through things like that.","start":410.605,"end":417.09,"sentiment":"neutral","sentiment_score":-0.22820971137844026},{"text":"And my job is to help you stop you from making rash decisions as well.","start":417.09,"end":420.53,"sentiment":"neutral","sentiment_score":0.12708682790398598},{"text":"So if you","start":420.53,"end":421.25,"sentiment":"neutral","sentiment_score":0.174190491437912}],"sentiment":"neutral","sentiment_score":-0.09747673742473126,"channel":0,"num_words":50,"start":410.605,"end":421.25},{"sentences":[{"text":"Yep.","start":421.12,"end":421.62,"sentiment":"neutral","sentiment_score":0.17843782901763916}],"sentiment":"neutral","sentiment_score":0.17843782901763916,"channel":1,"num_words":1,"start":421.12,"end":421.62},{"sentences":[{"text":"wanna use me as a sounding board, you are more than welcome to do that.","start":421.25,"end":424.77002,"sentiment":"neutral","sentiment_score":0.24171758790810902},{"text":"Okay?","start":424.77002,"end":425.27002,"sentiment":"neutral","sentiment_score":0.15911316871643066}],"sentiment":"neutral","sentiment_score":0.23655481170862913,"channel":0,"num_words":16,"start":421.25,"end":425.27002},{"sentences":[{"text":"Oh,","start":425.76,"end":425.92,"sentiment":"neutral","sentiment_score":0.3091084957122803}],"sentiment":"neutral","sentiment_score":0.3091084957122803,"channel":1,"num_words":1,"start":425.76,"end":425.92},{"sentences":[{"text":"Excellent.","start":425.81,"end":426.31,"sentiment":"positive","sentiment_score":0.555861234664917}],"sentiment":"positive","sentiment_score":0.555861234664917,"channel":0,"num_words":1,"start":425.81,"end":426.31},{"sentences":[{"text":"that's a yep.","start":425.92,"end":426.675,"sentiment":"positive","sentiment_score":0.3668773074944814},{"text":"Well, that's good.","start":426.75497,"end":427.57498,"sentiment":"positive","sentiment_score":0.46094921231269836}],"sentiment":"positive","sentiment_score":0.4139132599035899,"channel":1,"num_words":6,"start":425.92,"end":427.57498},{"sentences":[{"text":"So when I have a look at how between MLC and Hub twenty four over the past five years, your portfolio jointly has been performing.","start":427.815,"end":434.715,"sentiment":"neutral","sentiment_score":0.02554106019437313},{"text":"I wasn't overly impressed.","start":435.255,"end":436.61502,"sentiment":"negative","sentiment_score":-0.4039034768939018},{"text":"It's averaged about 5.91% on a yearly basis.","start":436.61502,"end":439.73502,"sentiment":"neutral","sentiment_score":-0.17475891299545765},{"text":"I'm not really happy with that.","start":439.73502,"end":440.855,"sentiment":"negative","sentiment_score":-0.5640923182169596},{"text":"I wanted to sort of look at how we could make things work a bit harder for you and readjust","start":440.855,"end":445.07,"sentiment":"neutral","sentiment_score":-0.1594457808881998}],"sentiment":"neutral","sentiment_score":-0.1420417179959634,"channel":0,"num_words":63,"start":427.815,"end":445.07},{"sentences":[{"text":"Yep.","start":444.77,"end":445.27,"sentiment":"neutral","sentiment_score":-0.04251309856772423}],"sentiment":"neutral","sentiment_score":-0.04251309856772423,"channel":1,"num_words":1,"start":444.77,"end":445.27},{"sentences":[{"text":"your portfolio to make it work better.","start":445.13,"end":447.15,"sentiment":"neutral","sentiment_score":-0.008377291794334139},{"text":"Essentially, with the recommendations, I am recommending you retain the two funds, HUB24 and MLC.","start":447.44998,"end":453.55,"sentiment":"neutral","sentiment_score":0.026199388752381005},{"text":"The funds themselves are absolutely fine.","start":453.93,"end":456.27,"sentiment":"neutral","sentiment_score":0.1475520208477974},{"text":"Essentially, if we had looked and I did look at moving to another platform.","start":456.775,"end":460.555,"sentiment":"neutral","sentiment_score":-0.009079687563436372},{"text":"However, within Hub twenty four, whenever any even MLC, whenever you sell down investments, your super fund pays capital gains and income tax.","start":460.615,"end":469.095,"sentiment":"neutral","sentiment_score":-0.01725095040772272}],"sentiment":"neutral","sentiment_score":0.010704221977637365,"channel":0,"num_words":65,"start":445.13,"end":469.095},{"sentences":[{"text":"It does a tax return every year just like you do.","start":469.095,"end":471.6,"sentiment":"neutral","sentiment_score":-0.013309423896399412},{"text":"So in order","start":472.0,"end":472.56,"sentiment":"neutral","sentiment_score":0.004116661225756009}],"sentiment":"neutral","sentiment_score":-0.009575262798794679,"channel":0,"num_words":14,"start":469.095,"end":472.56},{"sentences":[{"text":"Yes.","start":472.36,"end":472.86,"sentiment":"neutral","sentiment_score":0.013812949880957603}],"sentiment":"neutral","sentiment_score":0.013812949880957603,"channel":1,"num_words":1,"start":472.36,"end":472.86},{"sentences":[{"text":"to settle down all the investments and move to whole new platforms, it does require capital gains consequences.","start":472.56,"end":478.5,"sentiment":"neutral","sentiment_score":-0.030114224491020043},{"text":"And I want to minimize that as much as possible because, realistically, lowering the tax consequences mean, essentially, like, if you paid near $5 in in","start":478.64,"end":487.915,"sentiment":"neutral","sentiment_score":0.014462865674151825}],"sentiment":"neutral","sentiment_score":-0.003773216666145758,"channel":0,"num_words":44,"start":472.56,"end":487.915},{"sentences":[{"text":"Yeah.","start":487.90997,"end":488.40997,"sentiment":"neutral","sentiment_score":-0.0040771011263132095}],"sentiment":"neutral","sentiment_score":-0.0040771011263132095,"channel":1,"num_words":1,"start":487.90997,"end":488.40997},{"sentences":[{"text":"capital gains tax, that comes off your balance, essentially.","start":488.055,"end":491.115,"sentiment":"neutral","sentiment_score":0.0040064311275879545},{"text":"So, realistically, minimizing that cost helps your balance continue to grow, if that makes sense.","start":491.175,"end":496.875,"sentiment":"neutral","sentiment_score":0.08497799957791964}],"sentiment":"neutral","sentiment_score":0.05461366140904526,"channel":0,"num_words":24,"start":488.055,"end":496.875},{"sentences":[{"text":"Yep.","start":497.03,"end":497.18997,"sentiment":"neutral","sentiment_score":0.034744828939437866},{"text":"Yep.","start":497.18997,"end":497.43,"sentiment":"neutral","sentiment_score":0.0333542674779892},{"text":"Yep.","start":497.43,"end":497.83,"sentiment":"neutral","sentiment_score":0.03866586089134216}],"sentiment":"neutral","sentiment_score":0.03558831910292307,"channel":1,"num_words":3,"start":497.03,"end":497.83},{"sentences":[{"text":"Yeah.","start":497.815,"end":498.315,"sentiment":"neutral","sentiment_score":0.049069128930568695}],"sentiment":"neutral","sentiment_score":0.049069128930568695,"channel":0,"num_words":1,"start":497.815,"end":498.315},{"sentences":[{"text":"For sure.","start":497.83,"end":498.49,"sentiment":"neutral","sentiment_score":0.04625947214663029}],"sentiment":"neutral","sentiment_score":0.04625947214663029,"channel":1,"num_words":2,"start":497.83,"end":498.49},{"sentences":[{"text":"So recommending your retention of MLC and hub twenty four, because you've got 33,000 in MLC at the moment, we do wanna roll over all but 10,000, just retaining that 10,000 in the MLC and moving","start":498.93002,"end":510.61002,"sentiment":"neutral","sentiment_score":0.050610695137745805}],"sentiment":"neutral","sentiment_score":0.050610695137745805,"channel":0,"num_words":36,"start":498.93002,"end":510.61002},{"sentences":[{"text":"That's","start":510.405,"end":510.725,"sentiment":"neutral","sentiment_score":0.07367277145385742}],"sentiment":"neutral","sentiment_score":0.07367277145385742,"channel":1,"num_words":1,"start":510.405,"end":510.725},{"sentences":[{"text":"the rest","start":510.61002,"end":510.93002,"sentiment":"neutral","sentiment_score":0.07371598109602928}],"sentiment":"neutral","sentiment_score":0.07371598109602928,"channel":0,"num_words":2,"start":510.61002,"end":510.93002},{"sentences":[{"text":"fine.","start":510.725,"end":511.17,"sentiment":"neutral","sentiment_score":0.07201384007930756}],"sentiment":"neutral","sentiment_score":0.07201384007930756,"channel":1,"num_words":1,"start":510.725,"end":511.17},{"sentences":[{"text":"of the funds over to hub twenty four.","start":510.93002,"end":513.03,"sentiment":"neutral","sentiment_score":0.040515659376978874}],"sentiment":"neutral","sentiment_score":0.040515659376978874,"channel":0,"num_words":8,"start":510.93002,"end":513.03},{"sentences":[{"text":"Yep.","start":513.65,"end":514.15,"sentiment":"neutral","sentiment_score":0.06513546407222748}],"sentiment":"neutral","sentiment_score":0.06513546407222748,"channel":1,"num_words":1,"start":513.65,"end":514.15},{"sentences":[{"text":"Essentially, that would leave you with a balance in hub twenty four of about 104200","start":513.76495,"end":518.485,"sentiment":"neutral","sentiment_score":0.13030683745940527}],"sentiment":"neutral","sentiment_score":0.13030683745940527,"channel":0,"num_words":15,"start":513.76495,"end":518.485},{"sentences":[{"text":"Yep.","start":518.37,"end":518.85004,"sentiment":"neutral","sentiment_score":0.13983449339866638}],"sentiment":"neutral","sentiment_score":0.13983449339866638,"channel":1,"num_words":1,"start":518.37,"end":518.85004},{"sentences":[{"text":"and four, which","start":518.485,"end":519.045,"sentiment":"neutral","sentiment_score":0.2155319799979528}],"sentiment":"neutral","sentiment_score":0.2155319799979528,"channel":0,"num_words":3,"start":518.485,"end":519.045},{"sentences":[{"text":"I think","start":518.85004,"end":519.25,"sentiment":"neutral","sentiment_score":0.3181709349155426}],"sentiment":"neutral","sentiment_score":0.3181709349155426,"channel":1,"num_words":2,"start":518.85004,"end":519.25},{"sentences":[{"text":"is","start":519.045,"end":519.285,"sentiment":"positive","sentiment_score":0.34167373180389404}],"sentiment":"positive","sentiment_score":0.34167373180389404,"channel":0,"num_words":1,"start":519.045,"end":519.285},{"sentences":[{"text":"the","start":519.25,"end":519.33,"sentiment":"neutral","sentiment_score":0.3259734511375427}],"sentiment":"neutral","sentiment_score":0.3259734511375427,"channel":1,"num_words":1,"start":519.25,"end":519.33},{"sentences":[{"text":"fantastic.","start":519.285,"end":519.785,"sentiment":"positive","sentiment_score":0.3647385537624359}],"sentiment":"positive","sentiment_score":0.3647385537624359,"channel":0,"num_words":1,"start":519.285,"end":519.785},{"sentences":[{"text":"only reason why I've got the email space because of my work cover.","start":519.33,"end":522.45,"sentiment":"neutral","sentiment_score":0.0581931067773929},{"text":"So","start":522.45,"end":522.95,"sentiment":"neutral","sentiment_score":0.04031303524971008}],"sentiment":"neutral","sentiment_score":0.05691595881112984,"channel":1,"num_words":14,"start":519.33,"end":522.95},{"sentences":[{"text":"It's I understand.","start":522.565,"end":523.545,"sentiment":"neutral","sentiment_score":0.025865877668062847},{"text":"Yeah.","start":523.685,"end":523.925,"sentiment":"neutral","sentiment_score":0.030864758417010307},{"text":"And your insurances, your life and TPD, which is important to keep for the moment.","start":523.925,"end":528.02496,"sentiment":"neutral","sentiment_score":0.044268276045719784}],"sentiment":"neutral","sentiment_score":0.04065718590036819,"channel":0,"num_words":19,"start":522.565,"end":528.02496},{"sentences":[{"text":"yeah.","start":527.825,"end":528.325,"sentiment":"neutral","sentiment_score":0.014705831184983252}],"sentiment":"neutral","sentiment_score":0.014705831184983252,"channel":1,"num_words":1,"start":527.825,"end":528.325},{"sentences":[{"text":"Yeah.","start":528.245,"end":528.745,"sentiment":"neutral","sentiment_score":0.07450176775455475}],"sentiment":"neutral","sentiment_score":0.07450176775455475,"channel":0,"num_words":1,"start":528.245,"end":528.745},{"sentences":[{"text":"Yep.","start":528.625,"end":529.125,"sentiment":"neutral","sentiment_score":0.06550845503807068}],"sentiment":"neutral","sentiment_score":0.06550845503807068,"channel":1,"num_words":1,"start":528.625,"end":529.125},{"sentences":[{"text":"Yeah.","start":529.13,"end":529.63,"sentiment":"neutral","sentiment_score":0.0625683143734932}],"sentiment":"neutral","sentiment_score":0.0625683143734932,"channel":0,"num_words":1,"start":529.13,"end":529.63},{"sentences":[{"text":"Yep.","start":529.185,"end":529.665,"sentiment":"neutral","sentiment_score":0.062332864850759506},{"text":"Yep.","start":529.665,"end":530.165,"sentiment":"neutral","sentiment_score":0.07239209115505219}],"sentiment":"neutral","sentiment_score":0.06736247800290585,"channel":1,"num_words":2,"start":529.185,"end":530.165},{"sentences":[{"text":"Yeah.","start":530.09,"end":530.59,"sentiment":"neutral","sentiment_score":0.10698366165161131},{"text":"I will sorta go through an adjustment of the portfolio, but when I looked at the capital gains consequences for being able to adjust your portfolio, it came to $4.","start":530.81,"end":539.93,"sentiment":"neutral","sentiment_score":0.11603211636344592},{"text":"So I was really happy with that.","start":539.93,"end":541.545,"sentiment":"positive","sentiment_score":0.6497557801859719},{"text":"That's pretty yeah.","start":543.545,"end":545.385,"sentiment":"positive","sentiment_score":0.41455305616060895},{"text":"Exactly.","start":545.385,"end":545.865,"sentiment":"neutral","sentiment_score":0.19896528124809265}],"sentiment":"neutral","sentiment_score":0.2280681443711122,"channel":0,"num_words":42,"start":530.09,"end":545.865},{"sentences":[{"text":"If I need capital gains, I mean, if I need to pay $4 in tax more regularly.","start":545.865,"end":549.885,"sentiment":"neutral","sentiment_score":0.07025257213150754},{"text":"Essentially, moving over, the admin fee does increase slightly because we are putting more money in the hub 24.","start":553.065,"end":558.42004,"sentiment":"neutral","sentiment_score":0.10370809839744317},{"text":"I expect it to increase by about $40 per year.","start":558.42004,"end":560.98004,"sentiment":"neutral","sentiment_score":0.1339729256927967},{"text":"It's a very","start":560.98004,"end":561.46,"sentiment":"neutral","sentiment_score":0.16904876629511514}],"sentiment":"neutral","sentiment_score":0.10227802350204818,"channel":0,"num_words":49,"start":545.865,"end":561.46},{"sentences":[{"text":"Yes.","start":561.305,"end":561.805,"sentiment":"neutral","sentiment_score":0.14211496710777283}],"sentiment":"neutral","sentiment_score":0.14211496710777283,"channel":1,"num_words":1,"start":561.305,"end":561.805},{"sentences":[{"text":"minor increase there.","start":561.46,"end":562.84,"sentiment":"neutral","sentiment_score":0.09729744493961334},{"text":"However,","start":563.14,"end":563.54004,"sentiment":"neutral","sentiment_score":0.11056092381477356}],"sentiment":"neutral","sentiment_score":0.1006133146584034,"channel":0,"num_words":4,"start":561.46,"end":563.54004},{"sentences":[{"text":"Yep.","start":563.22003,"end":563.72003,"sentiment":"neutral","sentiment_score":0.18037836253643036}],"sentiment":"neutral","sentiment_score":0.18037836253643036,"channel":1,"num_words":1,"start":563.22003,"end":563.72003},{"sentences":[{"text":"the newer portfolio is expected to save you $388.","start":563.54004,"end":568.02,"sentiment":"positive","sentiment_score":0.37784072756767273},{"text":"So I was able to find a portfolio that was much cheaper for you","start":568.02,"end":571.505,"sentiment":"positive","sentiment_score":0.38271964873586384}],"sentiment":"positive","sentiment_score":0.3808105056700499,"channel":0,"num_words":23,"start":563.54004,"end":571.505},{"sentences":[{"text":"Wait,","start":571.94,"end":572.26,"sentiment":"neutral","sentiment_score":0.24790239334106445}],"sentiment":"neutral","sentiment_score":0.24790239334106445,"channel":1,"num_words":1,"start":571.94,"end":572.26},{"sentences":[{"text":"and","start":572.125,"end":572.36505,"sentiment":"neutral","sentiment_score":0.2364804446697235}],"sentiment":"neutral","sentiment_score":0.2364804446697235,"channel":0,"num_words":1,"start":572.125,"end":572.36505},{"sentences":[{"text":"mama.","start":572.26,"end":572.76,"sentiment":"neutral","sentiment_score":0.29538530111312866}],"sentiment":"neutral","sentiment_score":0.29538530111312866,"channel":1,"num_words":1,"start":572.26,"end":572.76},{"sentences":[{"text":"save you $388 for the year, which is also a benefit and a bonus there.","start":572.36505,"end":576.945,"sentiment":"neutral","sentiment_score":0.3301829973856608}],"sentiment":"neutral","sentiment_score":0.3301829973856608,"channel":0,"num_words":15,"start":572.36505,"end":576.945},{"sentences":[{"text":"Yep.","start":577.40497,"end":577.645,"sentiment":"neutral","sentiment_score":0.16773709654808044},{"text":"No.","start":577.645,"end":577.725,"sentiment":"neutral","sentiment_score":0.213594913482666},{"text":"That's","start":577.725,"end":578.225,"sentiment":"positive","sentiment_score":0.3706634938716888}],"sentiment":"neutral","sentiment_score":0.25066516796747845,"channel":1,"num_words":3,"start":577.40497,"end":578.225},{"sentences":[{"text":"Excellent.","start":579.005,"end":579.48505,"sentiment":"positive","sentiment_score":0.4664245843887329},{"text":"The newer portfolio has also averaged","start":579.48505,"end":581.825,"sentiment":"positive","sentiment_score":0.5535696148872375}],"sentiment":"positive","sentiment_score":0.5411203248160226,"channel":0,"num_words":7,"start":579.005,"end":581.825},{"sentences":[{"text":"good.","start":581.485,"end":581.985,"sentiment":"positive","sentiment_score":0.4569167494773865}],"sentiment":"positive","sentiment_score":0.4569167494773865,"channel":1,"num_words":1,"start":581.485,"end":581.985},{"sentences":[{"text":"9.86% over the past five years as well between MLC and Hub twenty four.","start":581.965,"end":586.77,"sentiment":"positive","sentiment_score":0.3386651139174189},{"text":"So I was very happy to be able to look at something that's performing better.","start":586.77,"end":590.15,"sentiment":"positive","sentiment_score":0.7029033501942953},{"text":"And when when you consider the ups and downs over the last five years, if this portfolio has averaged 9.86%, moving forward, it should be able to obtain close to that on a regular basis as well.","start":590.37,"end":600.105,"sentiment":"neutral","sentiment_score":0.21866104671278516}],"sentiment":"positive","sentiment_score":0.35417152388077794,"channel":0,"num_words":66,"start":581.965,"end":600.105},{"sentences":[{"text":"Yes.","start":599.99,"end":600.49,"sentiment":"neutral","sentiment_score":0.10914883017539978}],"sentiment":"neutral","sentiment_score":0.10914883017539978,"channel":1,"num_words":1,"start":599.99,"end":600.49},{"sentences":[{"text":"Okay?","start":600.105,"end":600.605,"sentiment":"neutral","sentiment_score":0.10297799110412598}],"sentiment":"neutral","sentiment_score":0.10297799110412598,"channel":0,"num_words":1,"start":600.105,"end":600.605},{"sentences":[{"text":"Yes.","start":600.63,"end":601.13,"sentiment":"neutral","sentiment_score":0.15494763851165771},{"text":"Yes.","start":601.19,"end":601.69,"sentiment":"neutral","sentiment_score":0.27462226152420044}],"sentiment":"neutral","sentiment_score":0.21478495001792908,"channel":1,"num_words":2,"start":600.63,"end":601.69},{"sentences":[{"text":"Excellent.","start":601.785,"end":602.285,"sentiment":"positive","sentiment_score":0.4995962977409363},{"text":"So, realistically, that should put you in a much greater position, also save you in keys fees, sorry, and minimize the CDT cost as much as possible, which was a benefit and a positive for you.","start":602.505,"end":612.985,"sentiment":"positive","sentiment_score":0.4369225642747349}],"sentiment":"positive","sentiment_score":0.4386164489630106,"channel":0,"num_words":37,"start":601.785,"end":612.985},{"sentences":[{"text":"Yeah.","start":612.885,"end":613.285,"sentiment":"neutral","sentiment_score":0.0933440327644348}],"sentiment":"neutral","sentiment_score":0.0933440327644348,"channel":1,"num_words":1,"start":612.885,"end":613.285},{"sentences":[{"text":"Alright?","start":612.985,"end":613.485,"sentiment":"neutral","sentiment_score":0.0862688347697258}],"sentiment":"neutral","sentiment_score":0.0862688347697258,"channel":0,"num_words":1,"start":612.985,"end":613.485},{"sentences":[{"text":"No.","start":613.285,"end":613.445,"sentiment":"neutral","sentiment_score":-0.001035928726196289},{"text":"That's good.","start":613.445,"end":614.085,"sentiment":"neutral","sentiment_score":0.08716203644871712},{"text":"Perfect.","start":614.085,"end":614.58,"sentiment":"neutral","sentiment_score":0.31870195269584656}],"sentiment":"neutral","sentiment_score":0.12299752421677113,"channel":1,"num_words":4,"start":613.285,"end":614.58},{"sentences":[{"text":"In to sort of in a nutshell, and I'm so sorry, to run you through just a basic run through of what we're gonna replace,","start":614.77,"end":621.43,"sentiment":"neutral","sentiment_score":0.04359027224243619}],"sentiment":"neutral","sentiment_score":0.04359027224243619,"channel":0,"num_words":25,"start":614.77,"end":621.43},{"sentences":[{"text":"Mhmm.","start":622.10004,"end":622.60004,"sentiment":"neutral","sentiment_score":0.02406021393835545}],"sentiment":"neutral","sentiment_score":0.02406021393835545,"channel":1,"num_words":1,"start":622.10004,"end":622.60004},{"sentences":[{"text":"essentially, we're not changing the investments within NMLC.","start":622.13,"end":624.95,"sentiment":"neutral","sentiment_score":0.01707890210673213},{"text":"The growth portfolio within that is absolutely fine.","start":625.09,"end":627.41003,"sentiment":"neutral","sentiment_score":0.2506521064788103},{"text":"We're only retaining 10,000 in there as well and keeping your contributions going in.","start":627.41003,"end":632.155,"sentiment":"neutral","sentiment_score":0.24258213064500264},{"text":"So there's no change there.","start":632.155,"end":633.275,"sentiment":"neutral","sentiment_score":0.07448656708002091},{"text":"We're just gonna roll 2300138 over in the hub twenty four.","start":633.275,"end":637.775,"sentiment":"neutral","sentiment_score":0.1267748630859635}],"sentiment":"neutral","sentiment_score":0.15880335276217564,"channel":0,"num_words":46,"start":622.13,"end":637.775},{"sentences":[{"text":"Within","start":638.155,"end":638.655,"sentiment":"neutral","sentiment_score":0.10833101719617844}],"sentiment":"neutral","sentiment_score":0.10833101719617844,"channel":0,"num_words":1,"start":638.155,"end":638.655},{"sentences":[{"text":"Yep.","start":638.355,"end":638.61,"sentiment":"neutral","sentiment_score":0.08350053429603577}],"sentiment":"neutral","sentiment_score":0.08350053429603577,"channel":1,"num_words":1,"start":638.355,"end":638.61},{"sentences":[{"text":"hub twenty four, we're going to increase your exposure into gold from five to 8%.","start":638.79504,"end":644.495,"sentiment":"neutral","sentiment_score":0.15544190655152004},{"text":"We're gonna remove the physical silver completely.","start":644.64,"end":647.3,"sentiment":"neutral","sentiment_score":-0.15871022641658783},{"text":"This investment is a bit underperforming.","start":647.36,"end":648.98004,"sentiment":"negative","sentiment_score":-0.4619279106458028},{"text":"It has been good in the past, but right now, it's worth removing from the portfolio completely.","start":649.28,"end":653.94,"sentiment":"neutral","sentiment_score":-0.2707151919603348}],"sentiment":"neutral","sentiment_score":-0.1367348603076405,"channel":0,"num_words":45,"start":638.79504,"end":653.94},{"sentences":[{"text":"Yep.","start":654.705,"end":655.205,"sentiment":"neutral","sentiment_score":0.008687958121299744}],"sentiment":"neutral","sentiment_score":0.008687958121299744,"channel":1,"num_words":1,"start":654.705,"end":655.205},{"sentences":[{"text":"We've also got the Ben along Australian Equities in there.","start":655.28,"end":657.84,"sentiment":"neutral","sentiment_score":-0.0015216808766126636},{"text":"That now is underperforming as well.","start":657.84,"end":659.29333,"sentiment":"neutral","sentiment_score":-0.13469423602024713},{"text":"They've had some underlying issues, and I longer.","start":659.29333,"end":663.445,"sentiment":"neutral","sentiment_score":-0.1917976588010788},{"text":"So I'm removing that wholly from the portfolio as well.","start":663.445,"end":666.10504,"sentiment":"neutral","sentiment_score":-0.12010203786194325}],"sentiment":"neutral","sentiment_score":-0.10467011393869624,"channel":0,"num_words":34,"start":655.28,"end":666.10504},{"sentences":[{"text":"Yep.","start":666.72003,"end":667.22003,"sentiment":"neutral","sentiment_score":0.11891114711761476}],"sentiment":"neutral","sentiment_score":0.11891114711761476,"channel":1,"num_words":1,"start":666.72003,"end":667.22003},{"sentences":[{"text":"And then you've got the Vanguard diversified index in there as well.","start":667.445,"end":670.965,"sentiment":"neutral","sentiment_score":0.10340160131454468},{"text":"That, again, is being completely removed, hasn't been performing as well, and we have other ways to provide diversification within your portfolio that provide greater performance, which is good.","start":670.965,"end":681.79004,"sentiment":"neutral","sentiment_score":0.2547985278069973}],"sentiment":"neutral","sentiment_score":0.21048723224823068,"channel":0,"num_words":41,"start":667.445,"end":681.79004},{"sentences":[{"text":"Yep.","start":682.255,"end":682.575,"sentiment":"neutral","sentiment_score":0.11703824996948242},{"text":"Yep.","start":682.575,"end":682.97504,"sentiment":"neutral","sentiment_score":0.18112307786941528},{"text":"Awesome.","start":682.97504,"end":683.47504,"sentiment":"positive","sentiment_score":0.4541615843772888}],"sentiment":"neutral","sentiment_score":0.2507743040720622,"channel":1,"num_words":3,"start":682.255,"end":683.47504},{"sentences":[{"text":"You've got the cybersecurity globe so global cybersecurity in your portfolio.","start":683.29004,"end":687.79004,"sentiment":"neutral","sentiment_score":0.2138181599703702},{"text":"You currently have 6%.","start":687.85004,"end":689.245,"sentiment":"neutral","sentiment_score":0.06939291767776012},{"text":"We wanna reweight that to five.","start":689.245,"end":691.08496,"sentiment":"neutral","sentiment_score":0.09825217599670093},{"text":"You're a little bit overexposed at the moment, so rebalancing this back a little bit is just as important.","start":691.08496,"end":695.82495,"sentiment":"neutral","sentiment_score":0.036507729440927505},{"text":"We've also got the battery and lithium tech.","start":697.32495,"end":699.56494,"sentiment":"neutral","sentiment_score":0.00024413852952420733}],"sentiment":"neutral","sentiment_score":0.0815559261245653,"channel":0,"num_words":48,"start":683.29004,"end":699.56494},{"sentences":[{"text":"That is being removed completely from the portfolio as is the MorningStar Global tech.","start":699.56494,"end":703.98004,"sentiment":"neutral","sentiment_score":-0.017462359741330147},{"text":"Essentially, you'll still have access to tech stocks, but we found a cheaper way to do that, which has got greater past performance.","start":703.98004,"end":709.9,"sentiment":"neutral","sentiment_score":0.07363475041221017},{"text":"And one of the things I wanted to look at because as you get older, you wanna make sure your super balance is growing.","start":709.9,"end":715.36005,"sentiment":"neutral","sentiment_score":0.07301636831834912},{"text":"We wanted","start":715.785,"end":716.26495,"sentiment":"neutral","sentiment_score":0.06505434960126877}],"sentiment":"neutral","sentiment_score":0.05288298034833537,"channel":0,"num_words":63,"start":699.56494,"end":716.26495},{"sentences":[{"text":"Yes.","start":716.04,"end":716.54,"sentiment":"neutral","sentiment_score":0.07133696228265762}],"sentiment":"neutral","sentiment_score":0.07133696228265762,"channel":1,"num_words":1,"start":716.04,"end":716.54},{"sentences":[{"text":"to sort of limit the fees where possible whilst giving you still exposure to areas of growth.","start":716.26495,"end":720.825,"sentiment":"neutral","sentiment_score":0.07097712487858884},{"text":"So I'm gonna remove those completely from the portfolio.","start":720.825,"end":723.805,"sentiment":"neutral","sentiment_score":-0.05179526284337044}],"sentiment":"neutral","sentiment_score":0.0284789906671414,"channel":0,"num_words":26,"start":716.26495,"end":723.805},{"sentences":[{"text":"Yes.","start":724.50995,"end":724.75995,"sentiment":"neutral","sentiment_score":0.061537034809589386},{"text":"No problem.","start":724.75995,"end":725.5,"sentiment":"neutral","sentiment_score":0.08512988314032555}],"sentiment":"neutral","sentiment_score":0.0772656003634135,"channel":1,"num_words":3,"start":724.50995,"end":725.5},{"sentences":[{"text":"I'm also gonna remove the iShares Europe out of the portfolio as well.","start":725.065,"end":729.64,"sentiment":"neutral","sentiment_score":0.030780870037583206},{"text":"We're still gonna have European exposure, but just moving that investment and investing in Europe and other areas for you.","start":729.64,"end":735.9,"sentiment":"neutral","sentiment_score":0.08101155180484057}],"sentiment":"neutral","sentiment_score":0.06122370747228464,"channel":0,"num_words":33,"start":725.065,"end":735.9},{"sentences":[{"text":"Right.","start":736.405,"end":736.72504,"sentiment":"neutral","sentiment_score":0.06988182663917542},{"text":"Yep.","start":736.72504,"end":737.22504,"sentiment":"neutral","sentiment_score":0.06902670860290527}],"sentiment":"neutral","sentiment_score":0.06945426762104034,"channel":1,"num_words":2,"start":736.405,"end":737.22504},{"sentences":[{"text":"The S and P 500 is the top 500 companies in The US.","start":737.72,"end":741.195,"sentiment":"neutral","sentiment_score":0.06779595980277428},{"text":"We are keeping that in the portfolio, but you've got 24% there currently.","start":741.195,"end":745.435,"sentiment":"neutral","sentiment_score":0.07463405309961392},{"text":"So we only wanna hold 20% of that investment, so it just means we're gonna reweight the portfolio a little bit.","start":745.435,"end":751.695,"sentiment":"neutral","sentiment_score":0.08894802381594975},{"text":"And then you've also got the iShares Asia.","start":752.315,"end":754.635,"sentiment":"neutral","sentiment_score":0.0719395549967885},{"text":"We're still gonna hold Asia exposure, but we're gonna remove that investment and hold it in another way.","start":754.635,"end":759.91003,"sentiment":"neutral","sentiment_score":0.038237336919539504}],"sentiment":"neutral","sentiment_score":0.06826420784098645,"channel":0,"num_words":73,"start":737.72,"end":759.91003},{"sentences":[{"text":"Yep.","start":760.6,"end":760.905,"sentiment":"neutral","sentiment_score":0.026004252955317497}],"sentiment":"neutral","sentiment_score":0.026004252955317497,"channel":1,"num_words":1,"start":760.6,"end":760.905},{"sentences":[{"text":"You've also got the Vanguard Australian fixed interest.","start":760.93,"end":763.41003,"sentiment":"neutral","sentiment_score":0.054503024788573384},{"text":"We still wanna hold fixed interest investments, but I've got another way to do that, which has been showing greater performance.","start":763.41003,"end":769.83,"sentiment":"neutral","sentiment_score":0.09727447905710765},{"text":"So we're gonna remove that investment wholly from there as well.","start":770.375,"end":773.435,"sentiment":"neutral","sentiment_score":-0.023027403957464478},{"text":"We're instead, we're going to replace essentially, we're gonna buy into the India quality ETF to give you 5% exposure into India, which has seen some very good growth, and we do expect that moving forward as well.","start":774.21497,"end":786.83,"sentiment":"neutral","sentiment_score":0.2838366321827236},{"text":"So we're gonna increase or add some India exposure into your portfolio.","start":786.83,"end":790.93005,"sentiment":"neutral","sentiment_score":0.2005180406073729}],"sentiment":"neutral","sentiment_score":0.171305503613419,"channel":0,"num_words":90,"start":760.93,"end":790.93005},{"sentences":[{"text":"We're also gonna add some global health care.","start":791.63,"end":795.01,"sentiment":"neutral","sentiment_score":0.1323125557973981},{"text":"Essentially, this is looking at global health care.","start":795.47003,"end":799.15,"sentiment":"neutral","sentiment_score":0.13473118003457785},{"text":"Health care is still a very big space, especially since COVID, and this is giving you exposure globally.","start":799.15,"end":804.265,"sentiment":"neutral","sentiment_score":0.20180481175581613},{"text":"So it is increasing diversification and adding a niche area where we're still seeing growth.","start":804.405,"end":809.705,"sentiment":"neutral","sentiment_score":0.26565733353296916}],"sentiment":"neutral","sentiment_score":0.19905503063785787,"channel":0,"num_words":49,"start":791.63,"end":809.705},{"sentences":[{"text":"Yep.","start":810.37,"end":810.87,"sentiment":"neutral","sentiment_score":0.10998937487602234}],"sentiment":"neutral","sentiment_score":0.10998937487602234,"channel":1,"num_words":1,"start":810.37,"end":810.87},{"sentences":[{"text":"You do currently you don't currently have a lot because we're removing sorry.","start":810.405,"end":814.325,"sentiment":"neutral","sentiment_score":0.00911298025256166},{"text":"The Benelong Australian equities.","start":814.325,"end":815.98,"sentiment":"neutral","sentiment_score":-0.016430079471319914},{"text":"We kind of wanna add in there and make sure you have some exposure into Australian equities.","start":815.98,"end":821.04,"sentiment":"neutral","sentiment_score":0.03924577869474888},{"text":"So, essentially, we're gonna keep the beta shares Raffi Aussie two hundred, and we're also adding in the Australian beta shares a 200.","start":821.1,"end":829.83997,"sentiment":"neutral","sentiment_score":0.07751254478226537},{"text":"So these two investments are giving you exposure to some of the largest companies on the ASX.","start":829.925,"end":834.185,"sentiment":"neutral","sentiment_score":0.20282800057355097}],"sentiment":"neutral","sentiment_score":0.08041609733717868,"channel":0,"num_words":74,"start":810.405,"end":834.185},{"sentences":[{"text":"Between the two, it'll be at the 25% holding into the Australian market.","start":834.56494,"end":838.82495,"sentiment":"neutral","sentiment_score":0.15956521550050148},{"text":"And by removing Bannalong, which is being underperforming and adding these two investments in there, we're still keeping that exposure, adding more diversification, and providing you with a lower overall risk in your portfolio as well.","start":838.96497,"end":851.57,"sentiment":"neutral","sentiment_score":0.1903111291014486},{"text":"So that's a positive thing, and it's","start":851.57,"end":853.41,"sentiment":"positive","sentiment_score":0.6319499569279807}],"sentiment":"neutral","sentiment_score":0.2383785383509738,"channel":0,"num_words":56,"start":834.56494,"end":853.41},{"sentences":[{"text":"Yep.","start":853.39,"end":853.89,"sentiment":"neutral","sentiment_score":0.321379154920578}],"sentiment":"neutral","sentiment_score":0.321379154920578,"channel":1,"num_words":1,"start":853.39,"end":853.89},{"sentences":[{"text":"cheaper.","start":853.41,"end":853.91,"sentiment":"neutral","sentiment_score":0.3269592523574829},{"text":"We've also got the JPMorgan re Research Enhanced Equity Fund.","start":854.76996,"end":858.76495,"sentiment":"neutral","sentiment_score":0.2580631598830223},{"text":"This one here is a little bit of an actively managed fund, but it's also very cost effective.","start":858.76495,"end":863.26495,"sentiment":"neutral","sentiment_score":0.3031473979353905},{"text":"It accesses and uses JPMorgan's research team in order to pick and choose where to invest, but it also does track global markets.","start":863.565,"end":872.20496,"sentiment":"neutral","sentiment_score":0.2544833486494811},{"text":"So it's, again, about providing diversification, but also making sure we can find good areas to provide growth for you as well down the track.","start":872.20496,"end":881.57,"sentiment":"neutral","sentiment_score":0.32746025681495666}],"sentiment":"neutral","sentiment_score":0.2909593175758015,"channel":0,"num_words":77,"start":853.41,"end":881.57},{"sentences":[{"text":"Okay?","start":881.63,"end":882.13,"sentiment":"neutral","sentiment_score":0.1446555256843567}],"sentiment":"neutral","sentiment_score":0.1446555256843567,"channel":0,"num_words":1,"start":881.63,"end":882.13},{"sentences":[{"text":"Yep.","start":882.00995,"end":882.49,"sentiment":"neutral","sentiment_score":0.15996071696281433},{"text":"Yep.","start":882.49,"end":882.99,"sentiment":"neutral","sentiment_score":0.18492859601974487}],"sentiment":"neutral","sentiment_score":0.1724446564912796,"channel":1,"num_words":2,"start":882.00995,"end":882.99},{"sentences":[{"text":"We'll hold 15% of that investment there for you.","start":883.47,"end":886.02997,"sentiment":"neutral","sentiment_score":0.22295751091506746},{"text":"And then because we still wanna have defensive investments, we're also gonna include core composite bonds, giving you exposure to both government and corporate bonds, and the iShares Yield Plus, which is giving you access to high yielding or high income producing fixed interest and low risk investments, which is great.","start":886.02997,"end":903.185,"sentiment":"neutral","sentiment_score":0.30034882765190274},{"text":"Between the two","start":903.37,"end":904.09,"sentiment":"positive","sentiment_score":0.4435296952724457}],"sentiment":"neutral","sentiment_score":0.2961110618142855,"channel":0,"num_words":63,"start":883.47,"end":904.09},{"sentences":[{"text":"Yep.","start":903.91,"end":904.41,"sentiment":"positive","sentiment_score":0.3436982035636902}],"sentiment":"positive","sentiment_score":0.3436982035636902,"channel":1,"num_words":1,"start":903.91,"end":904.41},{"sentences":[{"text":"of those holding 9% each, and that's giving you that, defensive component for your portfolio.","start":904.09,"end":909.07,"sentiment":"neutral","sentiment_score":0.32590990761915845},{"text":"Essentially, this is giving you greater diversification.","start":909.69,"end":912.03,"sentiment":"positive","sentiment_score":0.4397635885647365},{"text":"It has performed better.","start":912.49005,"end":914.03,"sentiment":"positive","sentiment_score":0.5948198437690735},{"text":"There's a very limited CGT costs for the change, and it's a cheaper portfolio as a whole.","start":914.57,"end":920.035,"sentiment":"positive","sentiment_score":0.46554573143229766},{"text":"So I felt it was a really good move to be able to switch that for you.","start":920.035,"end":924.295,"sentiment":"positive","sentiment_score":0.7259522133013782}],"sentiment":"positive","sentiment_score":0.5100289694964886,"channel":0,"num_words":60,"start":904.09,"end":924.295},{"sentences":[{"text":"Yep.","start":924.565,"end":924.885,"sentiment":"neutral","sentiment_score":0.08114110678434372},{"text":"No.","start":924.885,"end":925.04504,"sentiment":"neutral","sentiment_score":0.029298005625605583},{"text":"For sure.","start":925.04504,"end":925.60504,"sentiment":"neutral","sentiment_score":0.03352408669888973},{"text":"Thank you.","start":925.60504,"end":926.34503,"sentiment":"neutral","sentiment_score":0.0962129682302475}],"sentiment":"neutral","sentiment_score":0.061652203711370625,"channel":1,"num_words":6,"start":924.565,"end":926.34503},{"sentences":[{"text":"Yeah.","start":926.115,"end":926.615,"sentiment":"neutral","sentiment_score":0.01111452654004097},{"text":"That is a lot when you're not looking at the document, and you've had a long week.","start":926.755,"end":929.95496,"sentiment":"neutral","sentiment_score":-0.07012430797604953},{"text":"And I'm very sorry, Paul, do you have any questions that could come up at the moment?","start":929.95496,"end":934.18,"sentiment":"neutral","sentiment_score":-0.0824888462529463}],"sentiment":"neutral","sentiment_score":-0.07380883129579681,"channel":0,"num_words":35,"start":926.115,"end":934.18},{"sentences":[{"text":"Not at this stage.","start":934.67,"end":935.55,"sentiment":"neutral","sentiment_score":-0.13814003579318523},{"text":"No.","start":935.55,"end":935.79,"sentiment":"neutral","sentiment_score":-0.11544542014598846},{"text":"You're hoping you've you've got covered everything for me.","start":935.79,"end":937.79,"sentiment":"neutral","sentiment_score":-0.08032497018575668},{"text":"So","start":937.79,"end":938.29,"sentiment":"neutral","sentiment_score":0.1191580444574356}],"sentiment":"neutral","sentiment_score":-0.08478481670220693,"channel":1,"num_words":15,"start":934.67,"end":938.29},{"sentences":[{"text":"Excellent.","start":938.08,"end":938.58,"sentiment":"positive","sentiment_score":0.3634432554244995},{"text":"Excellent.","start":939.04004,"end":939.52,"sentiment":"neutral","sentiment_score":0.31463801860809326},{"text":"You're probably thinking, what is she on?","start":939.52,"end":941.46,"sentiment":"neutral","sentiment_score":0.12340774067810603},{"text":"That all good.","start":944.515,"end":945.415,"sentiment":"neutral","sentiment_score":0.2083930323521296}],"sentiment":"neutral","sentiment_score":0.180592879652977,"channel":0,"num_words":12,"start":938.08,"end":945.415},{"sentences":[{"text":"Like, someone knows","start":944.935,"end":945.575,"sentiment":"neutral","sentiment_score":0.10219315439462662}],"sentiment":"neutral","sentiment_score":0.10219315439462662,"channel":1,"num_words":3,"start":944.935,"end":945.575},{"sentences":[{"text":"We're","start":945.475,"end":945.71497,"sentiment":"neutral","sentiment_score":0.12974917888641355}],"sentiment":"neutral","sentiment_score":0.12974917888641355,"channel":0,"num_words":1,"start":945.475,"end":945.71497},{"sentences":[{"text":"what's","start":945.575,"end":945.73505,"sentiment":"neutral","sentiment_score":0.13925988972187042}],"sentiment":"neutral","sentiment_score":0.13925988972187042,"channel":1,"num_words":1,"start":945.575,"end":945.73505},{"sentences":[{"text":"all","start":945.71497,"end":946.21497,"sentiment":"neutral","sentiment_score":0.18901197612285617}],"sentiment":"neutral","sentiment_score":0.18901197612285617,"channel":0,"num_words":1,"start":945.71497,"end":946.21497},{"sentences":[{"text":"going on.","start":945.73505,"end":946.215,"sentiment":"neutral","sentiment_score":0.19522441178560257},{"text":"That's all that matters.","start":946.215,"end":947.195,"sentiment":"neutral","sentiment_score":0.2131740264594555}],"sentiment":"neutral","sentiment_score":0.20719082156817117,"channel":1,"num_words":6,"start":945.73505,"end":947.195},{"sentences":[{"text":"that's all good.","start":948.115,"end":948.915,"sentiment":"positive","sentiment_score":0.3804413477579753},{"text":"I'll look after you.","start":948.915,"end":950.135,"sentiment":"neutral","sentiment_score":0.29707078635692596}],"sentiment":"neutral","sentiment_score":0.3328010269573757,"channel":0,"num_words":7,"start":948.115,"end":950.135},{"sentences":[{"text":"Thanks.","start":950.695,"end":951.195,"sentiment":"positive","sentiment_score":0.3651703298091888}],"sentiment":"positive","sentiment_score":0.3651703298091888,"channel":1,"num_words":1,"start":950.695,"end":951.195},{"sentences":[{"text":"Essentially, the rest of that is just making sure we do retain the MLC account to keep your insurances in place.","start":951.315,"end":957.03,"sentiment":"neutral","sentiment_score":0.19947122037410736},{"text":"We'll","start":957.27,"end":957.51,"sentiment":"neutral","sentiment_score":0.16786567866802216}],"sentiment":"neutral","sentiment_score":0.19803460484201257,"channel":0,"num_words":22,"start":951.315,"end":957.51},{"sentences":[{"text":"Yep.","start":957.495,"end":957.995,"sentiment":"neutral","sentiment_score":0.15524332225322723}],"sentiment":"neutral","sentiment_score":0.15524332225322723,"channel":1,"num_words":1,"start":957.495,"end":957.995},{"sentences":[{"text":"make sure we have an opt in form applied as well just as a secondary backup in case you are off work for any period of time and not receiving contributions just to make sure everything stays in place insurance wise.","start":957.51,"end":967.45,"sentiment":"neutral","sentiment_score":0.12818527666897309}],"sentiment":"neutral","sentiment_score":0.12818527666897309,"channel":0,"num_words":41,"start":957.51,"end":967.45},{"sentences":[{"text":"Yep.","start":968.13,"end":968.63,"sentiment":"neutral","sentiment_score":0.1939917802810669}],"sentiment":"neutral","sentiment_score":0.1939917802810669,"channel":1,"num_words":1,"start":968.13,"end":968.63},{"sentences":[{"text":"And we'll keep reviewing that with you moving forward just to sort of make sure things are key tracking, that everything is working really well for you.","start":968.15,"end":975.855,"sentiment":"neutral","sentiment_score":0.32645530060485556}],"sentiment":"neutral","sentiment_score":0.32645530060485556,"channel":0,"num_words":27,"start":968.15,"end":975.855},{"sentences":[{"text":"Awesome.","start":976.385,"end":976.885,"sentiment":"positive","sentiment_score":0.44042328000068665}],"sentiment":"positive","sentiment_score":0.44042328000068665,"channel":1,"num_words":1,"start":976.385,"end":976.885},{"sentences":[{"text":"The other thing I did kind of wanna just make sure that we had in line there was a brand new beneficiaries.","start":976.395,"end":982.175,"sentiment":"neutral","sentiment_score":0.1599564372815869},{"text":"Obviously, we haven't scoped this into the full extent, but one of the things we sort of want to look at when we spoke last time was that you had your beneficiaries split a little bit.","start":982.235,"end":991.66003,"sentiment":"neutral","sentiment_score":0.06871477110932271}],"sentiment":"neutral","sentiment_score":0.10332367896776774,"channel":0,"num_words":58,"start":976.395,"end":991.66003},{"sentences":[{"text":"Yep.","start":992.07996,"end":992.57996,"sentiment":"neutral","sentiment_score":0.10275518894195557}],"sentiment":"neutral","sentiment_score":0.10275518894195557,"channel":1,"num_words":1,"start":992.07996,"end":992.57996},{"sentences":[{"text":"You wanted to kind of have your spouse receive 40% of the beneficiary, but then","start":992.60004,"end":998.575,"sentiment":"neutral","sentiment_score":0.10948585321505865}],"sentiment":"neutral","sentiment_score":0.10948585321505865,"channel":0,"num_words":15,"start":992.60004,"end":998.575},{"sentences":[{"text":"Yep.","start":998.48,"end":998.835,"sentiment":"neutral","sentiment_score":0.09364138543605804}],"sentiment":"neutral","sentiment_score":0.09364138543605804,"channel":1,"num_words":1,"start":998.48,"end":998.835},{"sentences":[{"text":"you also wanted to have a 60% directed to your children.","start":998.575,"end":1002.515,"sentiment":"neutral","sentiment_score":0.10385753146626732},{"text":"And","start":1002.975,"end":1003.21497,"sentiment":"neutral","sentiment_score":0.06885216385126114}],"sentiment":"neutral","sentiment_score":0.10094041749835014,"channel":0,"num_words":12,"start":998.575,"end":1003.21497},{"sentences":[{"text":"Yes.","start":1003.075,"end":1003.575,"sentiment":"neutral","sentiment_score":0.09611783921718596}],"sentiment":"neutral","sentiment_score":0.09611783921718596,"channel":1,"num_words":1,"start":1003.075,"end":1003.575},{"sentences":[{"text":"your children are adults.","start":1003.21497,"end":1004.415,"sentiment":"neutral","sentiment_score":0.07934375666081905},{"text":"Is that correct?","start":1004.415,"end":1005.235,"sentiment":"neutral","sentiment_score":0.10925833880901337}],"sentiment":"neutral","sentiment_score":0.09216429186718804,"channel":0,"num_words":7,"start":1003.21497,"end":1005.235},{"sentences":[{"text":"Yes.","start":1005.555,"end":1006.055,"sentiment":"neutral","sentiment_score":0.22379018366336825}],"sentiment":"neutral","sentiment_score":0.22379018366336825,"channel":1,"num_words":1,"start":1005.555,"end":1006.055},{"sentences":[{"text":"Yep.","start":1006.495,"end":1006.815,"sentiment":"positive","sentiment_score":0.40096089243888855},{"text":"Beautiful.","start":1006.815,"end":1007.315,"sentiment":"positive","sentiment_score":0.6830017566680908},{"text":"So I have made a little bit of an extra provision in the back in here that with the beneficiaries, we actually redo them and split them.","start":1007.375,"end":1014.57,"sentiment":"neutral","sentiment_score":0.18153558505905998},{"text":"So we apply a binding non lapsing beneficiary to HUB 24 and binding lapsing into MLC.","start":1014.57,"end":1020.99,"sentiment":"neutral","sentiment_score":0.08553973166272044},{"text":"However, because of the tax consequences with the way the beneficiaries work so if you were to pass away, your spouse receives that 40% completely tax free.","start":1021.13,"end":1030.795,"sentiment":"neutral","sentiment_score":0.07625033209721248}],"sentiment":"neutral","sentiment_score":0.13073358498513699,"channel":0,"num_words":72,"start":1006.495,"end":1030.795},{"sentences":[{"text":"However, your children would actually receive the benefit, and they would have to they would actually pay tax on that benefit.","start":1030.795,"end":1037.295,"sentiment":"neutral","sentiment_score":0.09499558132319223}],"sentiment":"neutral","sentiment_score":0.09499558132319223,"channel":0,"num_words":21,"start":1030.795,"end":1037.295},{"sentences":[{"text":"Yeah.","start":1037.755,"end":1037.9149,"sentiment":"neutral","sentiment_score":0.050961464643478394}],"sentiment":"neutral","sentiment_score":0.050961464643478394,"channel":1,"num_words":1,"start":1037.755,"end":1037.9149},{"sentences":[{"text":"So","start":1037.79,"end":1038.29,"sentiment":"neutral","sentiment_score":0.035142526030540466}],"sentiment":"neutral","sentiment_score":0.035142526030540466,"channel":0,"num_words":1,"start":1037.79,"end":1038.29},{"sentences":[{"text":"Alright.","start":1037.9149,"end":1038.315,"sentiment":"neutral","sentiment_score":0.07375211268663406},{"text":"Can I get","start":1038.315,"end":1038.7949,"sentiment":"neutral","sentiment_score":0.03235150873661041}],"sentiment":"neutral","sentiment_score":0.042701659724116325,"channel":1,"num_words":4,"start":1037.9149,"end":1038.7949},{"sentences":[{"text":"because","start":1038.5901,"end":1038.8301,"sentiment":"neutral","sentiment_score":0.01920742727816105}],"sentiment":"neutral","sentiment_score":0.01920742727816105,"channel":0,"num_words":1,"start":1038.5901,"end":1038.8301},{"sentences":[{"text":"a","start":1038.7949,"end":1038.875,"sentiment":"neutral","sentiment_score":0.025525301694869995}],"sentiment":"neutral","sentiment_score":0.025525301694869995,"channel":1,"num_words":1,"start":1038.7949,"end":1038.875},{"sentences":[{"text":"they're","start":1038.8301,"end":1039.3301,"sentiment":"neutral","sentiment_score":0.01207359042018652}],"sentiment":"neutral","sentiment_score":0.01207359042018652,"channel":0,"num_words":1,"start":1038.8301,"end":1039.3301},{"sentences":[{"text":"second?","start":1038.875,"end":1039.375,"sentiment":"neutral","sentiment_score":0.009435463696718216}],"sentiment":"neutral","sentiment_score":0.009435463696718216,"channel":1,"num_words":1,"start":1038.875,"end":1039.375},{"sentences":[{"text":"because they're over 18, unfortunately, they see it's coming everywhere.","start":1039.55,"end":1042.93,"sentiment":"neutral","sentiment_score":-0.05002145878970623},{"text":"But","start":1043.4701,"end":1043.7101,"sentiment":"neutral","sentiment_score":0.010747089982032776}],"sentiment":"neutral","sentiment_score":-0.044497045265002685,"channel":0,"num_words":11,"start":1039.55,"end":1043.7101},{"sentences":[{"text":"Yep.","start":1043.71,"end":1044.21,"sentiment":"neutral","sentiment_score":0.021403124555945396}],"sentiment":"neutral","sentiment_score":0.021403124555945396,"channel":1,"num_words":1,"start":1043.71,"end":1044.21},{"sentences":[{"text":"being nontax dependent, your children would have to pay tax on that benefit.","start":1043.7101,"end":1047.65,"sentiment":"neutral","sentiment_score":-0.04588805712186373},{"text":"So what I've done to make alter the recommendation to make it more tax effective is that in both the super funds, we still nominate 40% to go to your spouse.","start":1047.7101,"end":1057.355,"sentiment":"neutral","sentiment_score":0.14820627339424625},{"text":"That's absolutely fine.","start":1057.495,"end":1058.875,"sentiment":"positive","sentiment_score":0.3449204166730245},{"text":"But then with the other 60%, we actually nominate that to go to your legal personal representative.","start":1058.9349,"end":1064.235,"sentiment":"neutral","sentiment_score":0.10520227735533434},{"text":"That means that if you pass away, the portion that's meant to go to your children would go to your will.","start":1064.455,"end":1069.75,"sentiment":"neutral","sentiment_score":0.13726366878975005}],"sentiment":"neutral","sentiment_score":0.11415984402684605,"channel":0,"num_words":85,"start":1043.7101,"end":1069.75},{"sentences":[{"text":"You then just","start":1069.89,"end":1070.53,"sentiment":"neutral","sentiment_score":0.15010406325260797}],"sentiment":"neutral","sentiment_score":0.15010406325260797,"channel":0,"num_words":3,"start":1069.89,"end":1070.53},{"sentences":[{"text":"Yep.","start":1070.46,"end":1070.96,"sentiment":"neutral","sentiment_score":0.1351274698972702}],"sentiment":"neutral","sentiment_score":0.1351274698972702,"channel":1,"num_words":1,"start":1070.46,"end":1070.96},{"sentences":[{"text":"need to have a will in place that allocates that money however you wanted to to your children, and then it gets paid out.","start":1070.53,"end":1077.8301,"sentiment":"neutral","sentiment_score":0.15039895630131164},{"text":"There still are tax consequences, but it helps to minimize or reduce some of the tax payables so they end up with more of the benefit.","start":1077.9701,"end":1085.505,"sentiment":"neutral","sentiment_score":0.14108734706846568},{"text":"Does that make sense?","start":1085.505,"end":1086.645,"sentiment":"neutral","sentiment_score":0.12815293110907078}],"sentiment":"neutral","sentiment_score":0.14426773517496055,"channel":0,"num_words":54,"start":1070.53,"end":1086.645},{"sentences":[{"text":"Yep.","start":1086.515,"end":1086.755,"sentiment":"neutral","sentiment_score":0.09607091546058656},{"text":"Yep.","start":1086.755,"end":1087.155,"sentiment":"neutral","sentiment_score":0.08543980121612549},{"text":"Yep.","start":1087.155,"end":1087.395,"sentiment":"neutral","sentiment_score":0.09916895627975464},{"text":"Yep.","start":1087.395,"end":1087.555,"sentiment":"neutral","sentiment_score":0.13148026168346405},{"text":"Totally.","start":1087.555,"end":1088.055,"sentiment":"neutral","sentiment_score":0.2615123391151428}],"sentiment":"neutral","sentiment_score":0.1347344547510147,"channel":1,"num_words":5,"start":1086.515,"end":1088.055},{"sentences":[{"text":"Yeah.","start":1088.385,"end":1088.885,"sentiment":"neutral","sentiment_score":0.29547083377838135},{"text":"Beautiful.","start":1088.9451,"end":1089.4451,"sentiment":"positive","sentiment_score":0.5087794661521912},{"text":"So that's essentially how I've altered that recommendation.","start":1089.745,"end":1092.5651,"sentiment":"neutral","sentiment_score":0.27764351293444633},{"text":"It's a little bit more complex, but I've got some details in there to kinda break it down for you and to make it a little bit easier.","start":1092.785,"end":1098.66,"sentiment":"neutral","sentiment_score":0.2515792663076094},{"text":"All","start":1099.28,"end":1099.4401,"sentiment":"neutral","sentiment_score":0.17526736855506897}],"sentiment":"neutral","sentiment_score":0.26268936483523786,"channel":0,"num_words":39,"start":1088.385,"end":1099.4401},{"sentences":[{"text":"Yep.","start":1099.3301,"end":1099.8301,"sentiment":"neutral","sentiment_score":0.16810870170593262}],"sentiment":"neutral","sentiment_score":0.16810870170593262,"channel":1,"num_words":1,"start":1099.3301,"end":1099.8301},{"sentences":[{"text":"of the recommendations are outlined in there for you to review.","start":1099.4401,"end":1102.16,"sentiment":"neutral","sentiment_score":0.22432474521073428},{"text":"We've also got a best interest duty, which relies it oh, sorry.","start":1102.16,"end":1105.36,"sentiment":"neutral","sentiment_score":0.18512002751231194},{"text":"Relates it back to your goals and why we're making those recommendations for you.","start":1105.36,"end":1109.625,"sentiment":"neutral","sentiment_score":0.2542267143726349},{"text":"And then we've also got some information and the recommendations around the estate planning, the will, the power of attorney side of things, and some","start":1109.785,"end":1117.625,"sentiment":"neutral","sentiment_score":0.15642682433128358}],"sentiment":"neutral","sentiment_score":0.19611059898330319,"channel":0,"num_words":62,"start":1099.4401,"end":1117.625},{"sentences":[{"text":"Yep.","start":1117.5049,"end":1117.8,"sentiment":"neutral","sentiment_score":0.03101920895278454}],"sentiment":"neutral","sentiment_score":0.03101920895278454,"channel":1,"num_words":1,"start":1117.5049,"end":1117.8},{"sentences":[{"text":"advantages, disadvantages, and risks involved for you to also consider there as well.","start":1117.625,"end":1122.025,"sentiment":"neutral","sentiment_score":0.012682200624392582},{"text":"Does that make sense?","start":1122.025,"end":1123.145,"sentiment":"neutral","sentiment_score":0.032558652106672525}],"sentiment":"neutral","sentiment_score":0.017359012737870216,"channel":0,"num_words":17,"start":1117.625,"end":1123.145},{"sentences":[{"text":"Yep.","start":1123.0801,"end":1123.5801,"sentiment":"neutral","sentiment_score":0.0251429732888937}],"sentiment":"neutral","sentiment_score":0.0251429732888937,"channel":1,"num_words":1,"start":1123.0801,"end":1123.5801},{"sentences":[{"text":"Do you have any questions at","start":1123.145,"end":1125.02,"sentiment":"neutral","sentiment_score":0.001953923453887304}],"sentiment":"neutral","sentiment_score":0.001953923453887304,"channel":0,"num_words":6,"start":1123.145,"end":1125.02},{"sentences":[{"text":"No.","start":1125.7201,"end":1125.9601,"sentiment":"neutral","sentiment_score":-0.07586924731731415},{"text":"No.","start":1125.9601,"end":1126.28,"sentiment":"neutral","sentiment_score":-0.13671129941940308},{"text":"This size.","start":1126.28,"end":1127.02,"sentiment":"neutral","sentiment_score":-0.12170234322547913}],"sentiment":"neutral","sentiment_score":-0.11399630829691887,"channel":1,"num_words":4,"start":1125.7201,"end":1127.02},{"sentences":[{"text":"all?","start":1126.8401,"end":1127.24,"sentiment":"neutral","sentiment_score":-0.07096149027347565},{"text":"No?","start":1127.24,"end":1127.74,"sentiment":"neutral","sentiment_score":-0.04683540761470795},{"text":"Beautiful.","start":1127.8,"end":1128.3,"sentiment":"neutral","sentiment_score":0.23581212759017944}],"sentiment":"neutral","sentiment_score":0.03933840990066528,"channel":0,"num_words":3,"start":1126.8401,"end":1128.3},{"sentences":[{"text":"No.","start":1128.52,"end":1128.68,"sentiment":"neutral","sentiment_score":-0.01166670024394989}],"sentiment":"neutral","sentiment_score":-0.01166670024394989,"channel":1,"num_words":1,"start":1128.52,"end":1128.68},{"sentences":[{"text":"Depending","start":1128.6001,"end":1129.1001,"sentiment":"neutral","sentiment_score":-0.003703070804476738}],"sentiment":"neutral","sentiment_score":-0.003703070804476738,"channel":0,"num_words":1,"start":1128.6001,"end":1129.1001},{"sentences":[{"text":"No.","start":1128.68,"end":1129.18,"sentiment":"neutral","sentiment_score":-0.015567485243082048}],"sentiment":"neutral","sentiment_score":-0.015567485243082048,"channel":1,"num_words":1,"start":1128.68,"end":1129.18},{"sentences":[{"text":"on how much depending on how much reading you like to do, I've also got the appendices and all the product disclosure statements attached for you to run your eyes over.","start":1129.16,"end":1137.885,"sentiment":"neutral","sentiment_score":0.04009277505740043},{"text":"And we","start":1138.205,"end":1138.525,"sentiment":"neutral","sentiment_score":0.07031060941517353}],"sentiment":"neutral","sentiment_score":0.04192415895787152,"channel":0,"num_words":33,"start":1129.16,"end":1138.525},{"sentences":[{"text":"Yep.","start":1138.455,"end":1138.955,"sentiment":"neutral","sentiment_score":0.1116556078195572}],"sentiment":"neutral","sentiment_score":0.1116556078195572,"channel":1,"num_words":1,"start":1138.455,"end":1138.955},{"sentences":[{"text":"also just need to update the ongoing service agreement as well.","start":1138.525,"end":1141.965,"sentiment":"neutral","sentiment_score":0.10680215805768967},{"text":"So if you can take some time when you've got when you're awake and you've had a bit of a rest and you can run your eyes over the document, have a read through.","start":1141.965,"end":1149.725,"sentiment":"neutral","sentiment_score":0.12278791363624965},{"text":"Please let me know if you do happen to have any questions in relation to any of it.","start":1149.725,"end":1153.5,"sentiment":"neutral","sentiment_score":0.18440117686986923},{"text":"And we've also","start":1153.66,"end":1154.46,"sentiment":"neutral","sentiment_score":0.12299610426028569}],"sentiment":"neutral","sentiment_score":0.13693670149553905,"channel":0,"num_words":66,"start":1138.525,"end":1154.46},{"sentences":[{"text":"Yep.","start":1153.99,"end":1154.355,"sentiment":"neutral","sentiment_score":0.15519431233406067}],"sentiment":"neutral","sentiment_score":0.15519431233406067,"channel":1,"num_words":1,"start":1153.99,"end":1154.355},{"sentences":[{"text":"attached the ongoing service agreement there as well.","start":1154.46,"end":1157.12,"sentiment":"neutral","sentiment_score":0.13216772954910994},{"text":"You do pay 1.65% for our services on a yearly basis.","start":1157.5,"end":1161.34,"sentiment":"neutral","sentiment_score":0.11531915109265935},{"text":"That is deducted from super on a small monthly basis, and that allows us to update the advice, keep looking after everything, and make sure we are tracking towards your retirement goals there as well.","start":1161.34,"end":1172.195,"sentiment":"neutral","sentiment_score":0.16836450568267278}],"sentiment":"neutral","sentiment_score":0.15219648513529035,"channel":0,"num_words":54,"start":1154.46,"end":1172.195},{"sentences":[{"text":"Yep.","start":1172.93,"end":1173.25,"sentiment":"neutral","sentiment_score":0.15048512816429138},{"text":"Yep.","start":1173.25,"end":1173.75,"sentiment":"neutral","sentiment_score":0.2348390519618988}],"sentiment":"neutral","sentiment_score":0.1926620900630951,"channel":1,"num_words":2,"start":1172.93,"end":1173.75},{"sentences":[{"text":"Beautiful.","start":1174.015,"end":1174.515,"sentiment":"positive","sentiment_score":0.6057907938957214},{"text":"I will leave it with you so you can take some time to read it through.","start":1175.0549,"end":1178.015,"sentiment":"positive","sentiment_score":0.41643943451344967},{"text":"If there are any questions, please let me know.","start":1178.015,"end":1180.095,"sentiment":"neutral","sentiment_score":0.21226269834571415},{"text":"There's no silly questions in my world.","start":1180.095,"end":1182.015,"sentiment":"neutral","sentiment_score":0.23178749425070627},{"text":"So if there's anything that's on your mind, you're welcome to let me know.","start":1182.015,"end":1185.68,"sentiment":"neutral","sentiment_score":0.2800890877842903}],"sentiment":"neutral","sentiment_score":0.3132541642544117,"channel":0,"num_words":47,"start":1174.015,"end":1185.68},{"sentences":[{"text":"Once you kinda have read it through and you've decided to take the advice and we implement that, I wanted to do a bit of a catch up maybe in three, six, or nine months.","start":1185.82,"end":1193.26,"sentiment":"neutral","sentiment_score":0.12820231233324322},{"text":"Would you like to do a bit of a catch up down the track and what time frame would suit you?","start":1193.26,"end":1197.365,"sentiment":"neutral","sentiment_score":0.05580296562541099}],"sentiment":"neutral","sentiment_score":0.10105255731780614,"channel":0,"num_words":56,"start":1185.82,"end":1197.365},{"sentences":[{"text":"Yeah.","start":1197.92,"end":1198.0801,"sentiment":"neutral","sentiment_score":0.029054198414087296},{"text":"That's fine.","start":1198.0801,"end":1198.9,"sentiment":"neutral","sentiment_score":0.03990677930414677},{"text":"I don't know.","start":1199.28,"end":1199.76,"sentiment":"neutral","sentiment_score":-0.08143265793720882},{"text":"Maybe in six months' time.","start":1199.76,"end":1201.22,"sentiment":"neutral","sentiment_score":-0.0584696851670742}],"sentiment":"neutral","sentiment_score":-0.03888896751132878,"channel":1,"num_words":11,"start":1197.92,"end":1201.22},{"sentences":[{"text":"Yeah.","start":1201.345,"end":1201.745,"sentiment":"neutral","sentiment_score":0.16202543675899506},{"text":"Beautiful.","start":1201.745,"end":1202.245,"sentiment":"positive","sentiment_score":0.4572855234146118},{"text":"I'll pop that in the calendar.","start":1202.385,"end":1203.665,"sentiment":"positive","sentiment_score":0.3612508674462636},{"text":"My team will give you a call.","start":1203.665,"end":1204.785,"sentiment":"neutral","sentiment_score":0.277322666985648},{"text":"We'll book in, and we'll have a bit of a chat just to see how things are tracking and whether any further changes need to take place there for you.","start":1204.785,"end":1211.32,"sentiment":"neutral","sentiment_score":0.23627103393276533}],"sentiment":"neutral","sentiment_score":0.26258235226074855,"channel":0,"num_words":45,"start":1201.345,"end":1211.32},{"sentences":[{"text":"How does that sound?","start":1211.32,"end":1212.2999,"sentiment":"neutral","sentiment_score":0.13479242287576199}],"sentiment":"neutral","sentiment_score":0.13479242287576199,"channel":0,"num_words":4,"start":1211.32,"end":1212.2999},{"sentences":[{"text":"Yeah.","start":1212.735,"end":1212.9751,"sentiment":"neutral","sentiment_score":0.00852450542151928},{"text":"Not perfect.","start":1212.9751,"end":1213.7151,"sentiment":"neutral","sentiment_score":-0.16104142367839813}],"sentiment":"neutral","sentiment_score":-0.104519447311759,"channel":1,"num_words":3,"start":1212.735,"end":1213.7151},{"sentences":[{"text":"Easy.","start":1214.36,"end":1214.86,"sentiment":"neutral","sentiment_score":0.09767978638410568},{"text":"Well, thank you so much for your time, Paul.","start":1215.0,"end":1216.84,"sentiment":"positive","sentiment_score":0.5910323792033725},{"text":"I'll let you go.","start":1216.84,"end":1217.6399,"sentiment":"positive","sentiment_score":0.5084128081798553},{"text":"I hope you have a lovely day.","start":1217.6399,"end":1219.32,"sentiment":"positive","sentiment_score":0.5176272967032024},{"text":"If you have any questions or need anything in the meantime, I am here.","start":1219.32,"end":1222.36,"sentiment":"neutral","sentiment_score":0.2987521450434412}],"sentiment":"positive","sentiment_score":0.43590124398469926,"channel":0,"num_words":35,"start":1214.36,"end":1222.36},{"sentences":[{"text":"I'm more than happy to take your call and help you out.","start":1222.36,"end":1224.645,"sentiment":"positive","sentiment_score":0.7916461527347565},{"text":"Okay?","start":1224.885,"end":1225.385,"sentiment":"positive","sentiment_score":0.4478151202201843}],"sentiment":"positive","sentiment_score":0.7651976117720971,"channel":0,"num_words":13,"start":1222.36,"end":1225.385},{"sentences":[{"text":"Bravo.","start":1225.4,"end":1225.9,"sentiment":"positive","sentiment_score":0.725314199924469},{"text":"Thank you very much.","start":1226.12,"end":1226.9789,"sentiment":"positive","sentiment_score":0.8700578361749649}],"sentiment":"positive","sentiment_score":0.8411091089248657,"channel":1,"num_words":5,"start":1225.4,"end":1226.9789},{"sentences":[{"text":"Thank you.","start":1227.365,"end":1228.005,"sentiment":"positive","sentiment_score":0.8466930985450745},{"text":"Enjoy your day.","start":1228.005,"end":1229.145,"sentiment":"positive","sentiment_score":0.815625806649526}],"sentiment":"positive","sentiment_score":0.8280527234077454,"channel":0,"num_words":5,"start":1227.365,"end":1229.145},{"sentences":[{"text":"You too.","start":1229.6189,"end":1230.4388,"sentiment":"positive","sentiment_score":0.5724868178367615}],"sentiment":"positive","sentiment_score":0.5724868178367615,"channel":1,"num_words":2,"start":1229.6189,"end":1230.4388},{"sentences":[{"text":"Thanks, Paul.","start":1230.645,"end":1231.4451,"sentiment":"positive","sentiment_score":0.6922885775566101},{"text":"See you later.","start":1231.4451,"end":1232.345,"sentiment":"positive","sentiment_score":0.588284413019816}],"sentiment":"positive","sentiment_score":0.6298860788345337,"channel":0,"num_words":5,"start":1230.645,"end":1232.345},{"sentences":[{"text":"Bye.","start":1232.1788,"end":1232.6788,"sentiment":"neutral","sentiment_score":0.27403682470321655}],"sentiment":"neutral","sentiment_score":0.27403682470321655,"channel":1,"num_words":1,"start":1232.1788,"end":1232.6788},{"sentences":[{"text":"Bye.","start":1233.045,"end":1233.545,"sentiment":"neutral","sentiment_score":0.1996846050024033}],"sentiment":"neutral","sentiment_score":0.1996846050024033,"channel":0,"num_words":1,"start":1233.045,"end":1233.545},{"sentences":[{"text":"Bye.","start":1234.0189,"end":1234.5189,"sentiment":"neutral","sentiment_score":-0.11280478537082672}],"sentiment":"neutral","sentiment_score":-0.11280478537082672,"channel":1,"num_words":1,"start":1234.0189,"end":1234.5189}]},"summary":{"result":"success","short":"A representative from Ophiuch Financial calls Paul Head to discuss his updated advice document and recommends staying on his current cover and hiring a solicitor to draw up a will and power of attorney for income protection and trauma. The speaker emphasizes the importance of minimizing tax consequences and offers a cheaper portfolio. They recommend retaining the two funds and moving to the new platform, retaining the two funds and moving to the replacement of the investment in the hub 24, and maintaining a low risk portfolio. The retirement plan is effective to reduce tax payables and the replacement of the investment in the hub 24 is added to the portfolio. The speaker emphasizes maintaining a low risk portfolio and adding more diversification to the portfolio."},"intents":{"segments":[{"text":"Paul, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yeah.","start_word":48,"end_word":81,"intents":[{"intent":"Record calls","confidence_score":0.007900199}]},{"text":"Essentially, we last time we caught up, we wanted to have a bit of a look at your super and the investments, and we have sort of noticed some changes that needed to be made to help you along towards your retirement goals there. So I just wanted to run through this with you. Are you Yep.","start_word":180,"end_word":236,"intents":[{"intent":"Discuss financial goals","confidence_score":0.00075979205}]},{"text":"able to access your emails at the moment?","start_word":237,"end_word":244,"intents":[{"intent":"Access emails","confidence_score":0.36402947}]},{"text":"So, Paul, with this one here, on the front of the document when you are looking at it, it has been noted prepared for yourself forward as of the 09/08/2026. All of our advice is valid for sixty days from the date of the document. So you can take some time to read it through.","start_word":320,"end_word":374,"intents":[{"intent":"Provide advice","confidence_score":0.110069014}]},{"text":"And then if you're happy to take on the recommendations, we'll get you signed and return that back there for us. Okay? Awesome.","start_word":376,"end_word":398,"intents":[{"intent":"Recommend recommendations","confidence_score":0.3210112}]},{"text":"Essentially, last time we spoke, your goal to access Super was around about age 65, hopefully, drawing an income of around about $700 per week to cover your living expenses. Is that still fairly appropriate for your goal?","start_word":487,"end_word":524,"intents":[{"intent":"Discuss budget implications","confidence_score":0.00037098775}]},{"text":"I've also got down here we consider your insurances. So you were happy to retain the level of cover you have within MLC at the time you were having so you were on light duties and having some shoulder surgery. How did that go, and are you back sort of full time, or how was everything since that surgery?","start_word":543,"end_word":601,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.10156916}]},{"text":"We've also got the estate planning. Essentially, you do have your beneficiaries on file.","start_word":731,"end_word":744,"intents":[{"intent":"Consider estate planning","confidence_score":0.19376749}]},{"text":"So within MLC, there at the moment, you have your life and TBD cover. You have a sum insured of 90,820 between the two, and the premium for those paid out of the MLC is $1,113.35 for the year. Okay? Yep.","start_word":1047,"end_word":1087,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.00044910566}]},{"text":"When I look at your current portfolio, I did note there were some underperforming assets. So, essentially, this year, we have seen a lot of volatility in the market. There has been a lot of ups and downs with everything that has been going on. And so I have sort of found that there's maybe some changes that we need to make to your portfolio to make sure it does work a little bit harder for you. When we Yep.","start_word":1294,"end_word":1373,"intents":[{"intent":"Review portfolios","confidence_score":0.001729984}]},{"text":"Essentially, with the recommendations, I am recommending you retain the two funds, HUB24 and MLC. The funds themselves are absolutely fine.","start_word":1620,"end_word":1640,"intents":[{"intent":"Recommend retaining funds","confidence_score":0.123642355},{"intent":"Recommend retaining funds","confidence_score":0.029518863}]},{"text":"I will sorta go through an adjustment of the portfolio, but when I looked at the capital gains consequences for being able to adjust your portfolio, it came to $4.","start_word":1881,"end_word":1910,"intents":[{"intent":"Adjust portfolio","confidence_score":0.66693795}]},{"text":"the newer portfolio is expected to save you $388. So I was able to find a portfolio that was much cheaper for you Wait, and mama. save you $388 for the year, which is also a benefit and a bonus there. Yep.","start_word":1977,"end_word":2018,"intents":[{"intent":"Save money","confidence_score":0.3697258}]},{"text":"The newer portfolio has also averaged good. 9.86% over the past five years as well between MLC and Hub twenty four. So I was very happy to be able to look at something that's performing better. And when when you consider the ups and downs over the last five years, if this portfolio has averaged 9.86%, moving forward, it should be able to obtain close to that on a regular basis as well. Yes. Okay?","start_word":2022,"end_word":2096,"intents":[{"intent":"Compare portfolio performance","confidence_score":0.05997143},{"intent":"Evaluate portfolio efficiency","confidence_score":0.00018632156}]},{"text":"So, realistically, that should put you in a much greater position, also save you in keys fees, sorry, and minimize the CDT cost as much as possible, which was a benefit and a positive for you. Yeah.","start_word":2100,"end_word":2136,"intents":[{"intent":"Maximize cdt cost","confidence_score":0.14003627}]},{"text":"We're gonna remove the physical silver completely. This investment is a bit underperforming. It has been good in the past, but right now, it's worth removing from the portfolio completely. Yep. We've also got the Ben along Australian Equities in there. That now is underperforming as well. They've had some underlying issues, and I longer. So I'm removing that wholly from the portfolio as well.","start_word":2232,"end_word":2296,"intents":[{"intent":"Address portfolio issues","confidence_score":0.012305669}]},{"text":"The S and P 500 is the top 500 companies in The US. We are keeping that in the portfolio, but you've got 24% there currently. So we only wanna hold 20% of that investment, so it just means we're gonna reweight the portfolio a little bit.","start_word":2517,"end_word":2563,"intents":[{"intent":"Reweight portfolio","confidence_score":0.085666865}]},{"text":"So that's a positive thing, and it's Yep. cheaper.","start_word":2854,"end_word":2862,"intents":[{"intent":"Share investment benefits","confidence_score":0.0002892495}]},{"text":"Essentially, the rest of that is just making sure we do retain the MLC account to keep your insurances in place. We'll Yep. make sure we have an opt in form applied as well just as a secondary backup in case you are off work for any period of time and not receiving contributions just to make sure everything stays in place insurance wise.","start_word":3154,"end_word":3217,"intents":[{"intent":"Ensure mlc account is maintained","confidence_score":0.0005851226}]},{"text":"You wanted to kind of have your spouse receive 40% of the beneficiary, but then Yep. you also wanted to have a 60% directed to your children.","start_word":3306,"end_word":3332,"intents":[{"intent":"Keep beneficiaries divided with spouse","confidence_score":7.305738e-8}]},{"text":"However, because of the tax consequences with the way the beneficiaries work so if you were to pass away, your spouse receives that 40% completely tax free. However, your children would actually receive the benefit, and they would have to they would actually pay tax on that benefit. Yeah. So Alright.","start_word":3388,"end_word":3438,"intents":[{"intent":"Educate on tax implications","confidence_score":0.0014412447}]},{"text":"attached the ongoing service agreement there as well. You do pay 1.65% for our services on a yearly basis. That is deducted from super on a small monthly basis, and that allows us to update the advice, keep looking after everything, and make sure we are tracking towards your retirement goals there as well. Yep.","start_word":3844,"end_word":3898,"intents":[{"intent":"Evaluate service agreement","confidence_score":0.008062385}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Paul. This is Dana from Ophiuch Financial. How are you this afternoon? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.17423248291015625},{"text":"Good folks. That's good. I had you booked in just to go through an updated advice document with me today. Is now still a good time there for you?","start_word":15,"end_word":43,"sentiment":"positive","sentiment_score":0.45384758710861206},{"text":"Yeah. That's fine.","start_word":44,"end_word":46,"sentiment":"neutral","sentiment_score":0.2762495279312134},{"text":"Fantastic.","start_word":47,"end_word":47,"sentiment":"positive","sentiment_score":0.6471032500267029},{"text":"Paul, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yeah. That's fine.","start_word":48,"end_word":83,"sentiment":"neutral","sentiment_score":0.19395817816257477},{"text":"Fantastic.","start_word":84,"end_word":84,"sentiment":"positive","sentiment_score":0.5293611288070679},{"text":"And just to the security there with you, just sec, before I go through any personal information, just to confirm your full name, your date of birth, and address I should have on file there. Paul Head, Yep. 08/26/1979. Yep. 73 Green Street, California.","start_word":85,"end_word":128,"sentiment":"neutral","sentiment_score":0.11870628595352171},{"text":"Fantastic. Thank you so much for that. How's your day been today?","start_word":129,"end_word":140,"sentiment":"positive","sentiment_score":0.4464100599288941},{"text":"Yeah.","start_word":141,"end_word":141,"sentiment":"neutral","sentiment_score":-0.10456781834363936},{"text":"Busy busy, and I'm crook and I'm tired.","start_word":142,"end_word":149,"sentiment":"negative","sentiment_score":-0.4319147169589996},{"text":"Yeah. You sound tired. I'm so sorry. I'll Yep. try not to take too much of your time. I know you probably had a very long week thus far. Yep. Essentially, we last time we caught up, we wanted to have a bit of a look at your super and the investments, and we have sort of noticed some changes that needed to be made to help you along towards your retirement goals there. So I just wanted to run through this with you. Are you Yep. able to access your emails at the moment? I just normally send through the document to you so you can review it with me. I have If actually you can't got my computer turned on. Yeah. Sorry. oh, that that's okay. It's not a problem. I'll run through things as easily as possible. I'll touch on the Please ask me any questions that you have, and I'll try to make it as easy as possible. I do apologize in advance. All good. Easy. So, Paul, with this one here, on the front of the document when you are looking at it, it has been noted prepared for yourself forward as of the 09/08/2026. All of our advice is valid for sixty days from the date of the document. So you can take some time to read it through. And then if you're happy to take on the recommendations, we'll get you signed and return that back there for us. Okay?","start_word":150,"end_word":396,"sentiment":"neutral","sentiment_score":0.05178500553555334},{"text":"Awesome.","start_word":397,"end_word":397,"sentiment":"positive","sentiment_score":0.6192612648010254},{"text":"On the bottom of the document prepared by myself here, Dana Taylor, and my my team here at Ofori Financial, and my authorized representative number is 13043 sorry. 130 Yep. 4394. My apologies. A bit tongue tied this afternoon. And I'm registered as an adviser with ASIC there as well. As you scroll Yes. through the document, you'll see the best interest duties, table of contents, and then we've got some scoping, some areas that we are and are not looking at with regards to this advice piece. Yep. Essentially, last time we spoke, your goal to access Super was around about age 65, hopefully, drawing an income of around about $700 per week to cover your living expenses. Is that still fairly appropriate for your goal? Do you think that might have changed Yep. at all? Yep. No. That'd be that'd be good.","start_word":398,"end_word":541,"sentiment":"neutral","sentiment_score":0.05466974526643753},{"text":"Fantastic.","start_word":542,"end_word":542,"sentiment":"positive","sentiment_score":0.6484265327453613},{"text":"I've also got down here we consider your insurances. So you were happy to retain the level of cover you have within MLC at the time you were having so you were on light duties and having some shoulder surgery. How did that go, and are you back sort of full time, or how was everything since that surgery? Well, I'm I'm still on light duties, and Yeah. I've gotta have some nerve blockers before they recommend surgery. So they're trying to figure Okay. out when and where where it starts and where it ends and everything. So there's a bit going on. So Oh, yeah.","start_word":543,"end_word":648,"sentiment":"neutral","sentiment_score":0.04485153779387474},{"text":"You poor thing. Oh, you must be in pain as well while they're trying to figure yeah.","start_word":649,"end_word":665,"sentiment":"negative","sentiment_score":-0.43082156777381897},{"text":"it all out. Yeah.","start_word":666,"end_word":669,"sentiment":"neutral","sentiment_score":-0.21605299413204193},{"text":"It's not great.","start_word":670,"end_word":672,"sentiment":"negative","sentiment_score":-0.4078907370567322},{"text":"No. I'm so sorry to hear that, Paul. Well, we'll definitely retain those insurances for the time being, but I have this I have considered Yep. them as part of the advice because, essentially, they are paid out of your super. So it's important to consider them when we are projecting things forward for you. Okay? Yep. Yep. We've also got the estate planning. Essentially, you do have your beneficiaries on file. You are happy to do so, but I have put a little bit in here to recommend that you do speak to a solicitor to draw up a will and power of attorney to make sure the other areas of estate planning are fully sorted for you and your family. Okay. Yep. Yep.","start_word":673,"end_word":797,"sentiment":"neutral","sentiment_score":0.12237832045555117},{"text":"Excellent.","start_word":798,"end_word":798,"sentiment":"positive","sentiment_score":0.5124123096466064},{"text":"Areas that we're not looking for advice at the moment is around income protection and trauma. So you do hold life and TPD, but no income protection or trauma because you are on light duties and about to go through surgery. Generally, to get new cover, we would have to be able to see you through that first and make sure that you're on the other side of it, the recovery side of things, and see what the doctor's report show. We can look at additional insurances down the track for you, but for the time being, we're just retaining what you currently have. And last time Yep.","start_word":799,"end_word":906,"sentiment":"neutral","sentiment_score":-0.05041832849383354},{"text":"you and I spoke, you were happy with that as well.","start_word":907,"end_word":917,"sentiment":"positive","sentiment_score":0.3639605641365051},{"text":"Okay? Yeah. That is fine. Yep.","start_word":918,"end_word":923,"sentiment":"neutral","sentiment_score":0.23990458250045776},{"text":"Excellent.","start_word":924,"end_word":924,"sentiment":"positive","sentiment_score":0.4864022731781006},{"text":"And, also, cash flow and budgeting. So you are looking Yeah. to purchase a house over the next sort of twelve months or so. Is that still a goal down the track, or is that just being pushed back a little bit more? How's I that just goal? wanna please push it back just because the interest rates in them at the moment. So Yeah. Understandable. It's yeah. a little Yep. bit hard Yep. to understand when when's the right time, isn't it? Yeah. Jeffrey. Yeah. All good. Then when you're looking at the document, we do have the about you section, your assets and liabilities noted as per our last conversation there, and then an outline of your current insurance policy. So within MLC, there at the moment, you have your life and TBD cover. You have a sum insured of 90,820 between the two, and the premium for those paid out of the MLC is $1,113.35 for the year. Okay? Yep. Yep.","start_word":925,"end_word":1088,"sentiment":"neutral","sentiment_score":0.00724358856678009},{"text":"Excellent.","start_word":1089,"end_word":1089,"sentiment":"positive","sentiment_score":0.39038822054862976},{"text":"Now to start sort of going through the recommendations there for you, I did go back and look at all of your super and the investments within to sort of see how everything was tracking for you. Within Yep. hub twenty four at the moment, your current balance is 81,070, and then we've also got about thirty three thousand one thirty eight within MLC there at the moment. Between Yep. the two funds, you do have your admin fees, investment fees, the ongoing service fee for us looking after everything comes out of hub twenty four, and contributions going into MLC, which is also where your insurance premiums are deducted from. Yep. Yep. When we sort of spoke last time, you we did your risk profiling, had a bit of a chat about you being a growth investor, which has a eighty twenty split, if you remember to that conversation there. Yep. So 80 Yep. percent growth, 20% low risk defensive investments. You were Yep.","start_word":1090,"end_word":1254,"sentiment":"neutral","sentiment_score":0.06910035569559445},{"text":"fairly Yep. happy with that. It does sort of suit someone who has a six year time horizon for accessing super.","start_word":1255,"end_word":1275,"sentiment":"positive","sentiment_score":0.4002824127674103},{"text":"Are you still comfortable in that portfolio or that Yep. Yep. risk level here? Yep. Yep.","start_word":1276,"end_word":1291,"sentiment":"neutral","sentiment_score":0.09636175632476808},{"text":"Beautiful.","start_word":1292,"end_word":1292,"sentiment":"positive","sentiment_score":0.4815788865089417},{"text":"Yep. When I look at your current portfolio, I did note there were some underperforming assets. So, essentially, this year, we have seen a lot of volatility in the market. There has been a lot of ups and downs with everything that has been going on. And so I have sort of found that there's maybe some changes that we need to make to your portfolio to make sure it does work a little bit harder for you. When we Yep. look at how everything has been performing over the past five years, and when you look at the past five years, there has been a lot of ups and downs. The market Yep. has not been steady in the past five years No. I've at noticed. at all. And, I I essentially, got confused when when COVID hit because I've nearly lost, like, $30, and I went, oh, hang on. wow. Yeah. No. Well, if you ever feel like that, please give me a call. I am here to help and to talk you through those times. I don't Yep. want you to feel like you have to stress on your own, and we do a lot of looking at the markets and a lot of talking people through things like that. And my job is to help you stop you from making rash decisions as well. So if you Yep. wanna use me as a sounding board, you are more than welcome to do that. Okay?","start_word":1293,"end_word":1540,"sentiment":"neutral","sentiment_score":-0.11872125086524794},{"text":"Oh, Excellent. that's a yep. Well, that's good.","start_word":1541,"end_word":1548,"sentiment":"positive","sentiment_score":0.4010860025882721},{"text":"So when I have a look at how between MLC and Hub twenty four over the past five years, your portfolio jointly has been performing.","start_word":1549,"end_word":1573,"sentiment":"neutral","sentiment_score":0.025424377992749218},{"text":"I wasn't overly impressed.","start_word":1574,"end_word":1577,"sentiment":"negative","sentiment_score":-0.3971627354621887},{"text":"It's averaged about 5.91% on a yearly basis.","start_word":1578,"end_word":1585,"sentiment":"neutral","sentiment_score":-0.1788661777973175},{"text":"I'm not really happy with that.","start_word":1586,"end_word":1591,"sentiment":"negative","sentiment_score":-0.5431893467903137},{"text":"I wanted to sort of look at how we could make things work a bit harder for you and readjust Yep. your portfolio to make it work better. Essentially, with the recommendations, I am recommending you retain the two funds, HUB24 and MLC. The funds themselves are absolutely fine. Essentially, if we had looked and I did look at moving to another platform. However, within Hub twenty four, whenever any even MLC, whenever you sell down investments, your super fund pays capital gains and income tax. It does a tax return every year just like you do. So in order Yes. to settle down all the investments and move to whole new platforms, it does require capital gains consequences. And I want to minimize that as much as possible because, realistically, lowering the tax consequences mean, essentially, like, if you paid near $5 in in Yeah. capital gains tax, that comes off your balance, essentially. So, realistically, minimizing that cost helps your balance continue to grow, if that makes sense. Yep. Yep. Yep. Yeah. For sure. So recommending your retention of MLC and hub twenty four, because you've got 33,000 in MLC at the moment, we do wanna roll over all but 10,000, just retaining that 10,000 in the MLC and moving That's the rest fine. of the funds over to hub twenty four. Yep. Essentially, that would leave you with a balance in hub twenty four of about 104200 Yep. and four, which I think is the fantastic. only reason why I've got the email space because of my work cover. So It's I understand. Yeah. And your insurances, your life and TPD, which is important to keep for the moment. yeah. Yeah. Yep. Yeah. Yep. Yep. Yeah. I will sorta go through an adjustment of the portfolio, but when I looked at the capital gains consequences for being able to adjust your portfolio, it came to $4.","start_word":1592,"end_word":1910,"sentiment":"neutral","sentiment_score":0.037922404391171415},{"text":"So I was really happy with that. That's pretty yeah.","start_word":1911,"end_word":1920,"sentiment":"positive","sentiment_score":0.558508574962616},{"text":"Exactly. If I need capital gains, I mean, if I need to pay $4 in tax more regularly. Essentially, moving over, the admin fee does increase slightly because we are putting more money in the hub 24. I expect it to increase by about $40 per year. It's a very Yes. minor increase there. However, Yep.","start_word":1921,"end_word":1976,"sentiment":"neutral","sentiment_score":0.10984136909246443},{"text":"the newer portfolio is expected to save you $388. So I was able to find a portfolio that was much cheaper for you Wait, and mama.","start_word":1977,"end_word":2002,"sentiment":"positive","sentiment_score":0.3644254803657532},{"text":"save you $388 for the year, which is also a benefit and a bonus there. Yep. No.","start_word":2003,"end_word":2019,"sentiment":"neutral","sentiment_score":0.3028552234172821},{"text":"That's Excellent. The newer portfolio has also averaged good. 9.86% over the past five years as well between MLC and Hub twenty four. So I was very happy to be able to look at something that's performing better.","start_word":2020,"end_word":2057,"sentiment":"positive","sentiment_score":0.5134785175323486},{"text":"And when when you consider the ups and downs over the last five years, if this portfolio has averaged 9.86%, moving forward, it should be able to obtain close to that on a regular basis as well. Yes. Okay? Yes. Yes.","start_word":2058,"end_word":2098,"sentiment":"neutral","sentiment_score":0.20700615644454956},{"text":"Excellent. So, realistically, that should put you in a much greater position, also save you in keys fees, sorry, and minimize the CDT cost as much as possible, which was a benefit and a positive for you.","start_word":2099,"end_word":2135,"sentiment":"positive","sentiment_score":0.43626219034194946},{"text":"Yeah. Alright? No. That's good. Perfect. In to sort of in a nutshell, and I'm so sorry, to run you through just a basic run through of what we're gonna replace, Mhmm. essentially, we're not changing the investments within NMLC. The growth portfolio within that is absolutely fine. We're only retaining 10,000 in there as well and keeping your contributions going in. So there's no change there. We're just gonna roll 2300138 over in the hub twenty four. Within Yep. hub twenty four, we're going to increase your exposure into gold from five to 8%. We're gonna remove the physical silver completely.","start_word":2136,"end_word":2237,"sentiment":"neutral","sentiment_score":0.09281957463598718},{"text":"This investment is a bit underperforming.","start_word":2238,"end_word":2243,"sentiment":"negative","sentiment_score":-0.4785577058792114},{"text":"It has been good in the past, but right now, it's worth removing from the portfolio completely. Yep. We've also got the Ben along Australian Equities in there. That now is underperforming as well. They've had some underlying issues, and I longer. So I'm removing that wholly from the portfolio as well. Yep. And then you've got the Vanguard diversified index in there as well. That, again, is being completely removed, hasn't been performing as well, and we have other ways to provide diversification within your portfolio that provide greater performance, which is good. Yep. Yep.","start_word":2244,"end_word":2339,"sentiment":"neutral","sentiment_score":0.0032774051651358604},{"text":"Awesome.","start_word":2340,"end_word":2340,"sentiment":"positive","sentiment_score":0.4541615843772888},{"text":"You've got the cybersecurity globe so global cybersecurity in your portfolio. You currently have 6%. We wanna reweight that to five. You're a little bit overexposed at the moment, so rebalancing this back a little bit is just as important. We've also got the battery and lithium tech. That is being removed completely from the portfolio as is the MorningStar Global tech. Essentially, you'll still have access to tech stocks, but we found a cheaper way to do that, which has got greater past performance. And one of the things I wanted to look at because as you get older, you wanna make sure your super balance is growing. We wanted Yes. to sort of limit the fees where possible whilst giving you still exposure to areas of growth. So I'm gonna remove those completely from the portfolio. Yes. No problem. I'm also gonna remove the iShares Europe out of the portfolio as well. We're still gonna have European exposure, but just moving that investment and investing in Europe and other areas for you. Right. Yep. The S and P 500 is the top 500 companies in The US. We are keeping that in the portfolio, but you've got 24% there currently. So we only wanna hold 20% of that investment, so it just means we're gonna reweight the portfolio a little bit. And then you've also got the iShares Asia. We're still gonna hold Asia exposure, but we're gonna remove that investment and hold it in another way. Yep. You've also got the Vanguard Australian fixed interest. We still wanna hold fixed interest investments, but I've got another way to do that, which has been showing greater performance. So we're gonna remove that investment wholly from there as well. We're instead, we're going to replace essentially, we're gonna buy into the India quality ETF to give you 5% exposure into India, which has seen some very good growth, and we do expect that moving forward as well. So we're gonna increase or add some India exposure into your portfolio. We're also gonna add some global health care. Essentially, this is looking at global health care. Health care is still a very big space, especially since COVID, and this is giving you exposure globally. So it is increasing diversification and adding a niche area where we're still seeing growth. Yep. You do currently you don't currently have a lot because we're removing sorry. The Benelong Australian equities. We kind of wanna add in there and make sure you have some exposure into Australian equities. So, essentially, we're gonna keep the beta shares Raffi Aussie two hundred, and we're also adding in the Australian beta shares a 200. So these two investments are giving you exposure to some of the largest companies on the ASX. Between the two, it'll be at the 25% holding into the Australian market. And by removing Bannalong, which is being underperforming and adding these two investments in there, we're still keeping that exposure, adding more diversification, and providing you with a lower overall risk in your portfolio as well.","start_word":2341,"end_word":2853,"sentiment":"neutral","sentiment_score":0.10384091075517048},{"text":"So that's a positive thing, and it's Yep.","start_word":2854,"end_word":2861,"sentiment":"positive","sentiment_score":0.5806165933609009},{"text":"cheaper. We've also got the JPMorgan re Research Enhanced Equity Fund. This one here is a little bit of an actively managed fund, but it's also very cost effective. It accesses and uses JPMorgan's research team in order to pick and choose where to invest, but it also does track global markets. So it's, again, about providing diversification, but also making sure we can find good areas to provide growth for you as well down the track. Okay? Yep. Yep. We'll hold 15% of that investment there for you. And then because we still wanna have defensive investments, we're also gonna include core composite bonds, giving you exposure to both government and corporate bonds, and the iShares Yield Plus, which is giving you access to high yielding or high income producing fixed interest and low risk investments, which is great.","start_word":2862,"end_word":3001,"sentiment":"neutral","sentiment_score":0.2851954187665667},{"text":"Between the two Yep.","start_word":3002,"end_word":3005,"sentiment":"positive","sentiment_score":0.39361393451690674},{"text":"of those holding 9% each, and that's giving you that, defensive component for your portfolio.","start_word":3006,"end_word":3020,"sentiment":"neutral","sentiment_score":0.3243332505226135},{"text":"Essentially, this is giving you greater diversification. It has performed better. There's a very limited CGT costs for the change, and it's a cheaper portfolio as a whole. So I felt it was a really good move to be able to switch that for you.","start_word":3021,"end_word":3065,"sentiment":"positive","sentiment_score":0.5558669567108154},{"text":"Yep. No. For sure. Thank you. Yeah. That is a lot when you're not looking at the document, and you've had a long week. And I'm very sorry, Paul, do you have any questions that could come up at the moment? Not at this stage. No. You're hoping you've you've got covered everything for me. So Excellent. Excellent. You're probably thinking, what is she on? That all good. Like, someone knows We're what's all going on. That's all that matters.","start_word":3066,"end_word":3145,"sentiment":"neutral","sentiment_score":0.016566205769777298},{"text":"that's all good.","start_word":3146,"end_word":3148,"sentiment":"positive","sentiment_score":0.3717813491821289},{"text":"I'll look after you.","start_word":3149,"end_word":3152,"sentiment":"neutral","sentiment_score":0.2937113344669342},{"text":"Thanks.","start_word":3153,"end_word":3153,"sentiment":"positive","sentiment_score":0.3651703298091888},{"text":"Essentially, the rest of that is just making sure we do retain the MLC account to keep your insurances in place. We'll Yep. make sure we have an opt in form applied as well just as a secondary backup in case you are off work for any period of time and not receiving contributions just to make sure everything stays in place insurance wise. Yep. And we'll keep reviewing that with you moving forward just to sort of make sure things are key tracking, that everything is working really well for you.","start_word":3154,"end_word":3245,"sentiment":"neutral","sentiment_score":0.20183426141738892},{"text":"Awesome.","start_word":3246,"end_word":3246,"sentiment":"positive","sentiment_score":0.44042328000068665},{"text":"The other thing I did kind of wanna just make sure that we had in line there was a brand new beneficiaries. Obviously, we haven't scoped this into the full extent, but one of the things we sort of want to look at when we spoke last time was that you had your beneficiaries split a little bit. Yep. You wanted to kind of have your spouse receive 40% of the beneficiary, but then Yep. you also wanted to have a 60% directed to your children. And Yes. your children are adults. Is that correct? Yes.","start_word":3247,"end_word":3342,"sentiment":"neutral","sentiment_score":0.10253429505974054},{"text":"Yep. Beautiful.","start_word":3343,"end_word":3344,"sentiment":"positive","sentiment_score":0.5137772560119629},{"text":"So I have made a little bit of an extra provision in the back in here that with the beneficiaries, we actually redo them and split them. So we apply a binding non lapsing beneficiary to HUB 24 and binding lapsing into MLC. However, because of the tax consequences with the way the beneficiaries work so if you were to pass away, your spouse receives that 40% completely tax free. However, your children would actually receive the benefit, and they would have to they would actually pay tax on that benefit. Yeah. So Alright. Can I get because a they're second? because they're over 18, unfortunately, they see it's coming everywhere. But Yep. being nontax dependent, your children would have to pay tax on that benefit. So what I've done to make alter the recommendation to make it more tax effective is that in both the super funds, we still nominate 40% to go to your spouse.","start_word":3345,"end_word":3501,"sentiment":"neutral","sentiment_score":0.08476392924785614},{"text":"That's absolutely fine.","start_word":3502,"end_word":3504,"sentiment":"positive","sentiment_score":0.3420864939689636},{"text":"But then with the other 60%, we actually nominate that to go to your legal personal representative. That means that if you pass away, the portion that's meant to go to your children would go to your will. You then just Yep. need to have a will in place that allocates that money however you wanted to to your children, and then it gets paid out. There still are tax consequences, but it helps to minimize or reduce some of the tax payables so they end up with more of the benefit. Does that make sense? Yep. Yep. Yep. Yep. Totally. Yeah.","start_word":3505,"end_word":3606,"sentiment":"neutral","sentiment_score":0.13577215373516083},{"text":"Beautiful.","start_word":3607,"end_word":3607,"sentiment":"positive","sentiment_score":0.5087794661521912},{"text":"So that's essentially how I've altered that recommendation. It's a little bit more complex, but I've got some details in there to kinda break it down for you and to make it a little bit easier. All Yep. of the recommendations are outlined in there for you to review. We've also got a best interest duty, which relies it oh, sorry. Relates it back to your goals and why we're making those recommendations for you. And then we've also got some information and the recommendations around the estate planning, the will, the power of attorney side of things, and some Yep. advantages, disadvantages, and risks involved for you to also consider there as well. Does that make sense? Yep. Do you have any questions at No. No. This size. all? No? Beautiful. No. Depending No. on how much depending on how much reading you like to do, I've also got the appendices and all the product disclosure statements attached for you to run your eyes over. And we Yep. also just need to update the ongoing service agreement as well. So if you can take some time when you've got when you're awake and you've had a bit of a rest and you can run your eyes over the document, have a read through. Please let me know if you do happen to have any questions in relation to any of it. And we've also Yep. attached the ongoing service agreement there as well. You do pay 1.65% for our services on a yearly basis. That is deducted from super on a small monthly basis, and that allows us to update the advice, keep looking after everything, and make sure we are tracking towards your retirement goals there as well. Yep. Yep.","start_word":3608,"end_word":3899,"sentiment":"neutral","sentiment_score":0.13789660848473032},{"text":"Beautiful. I will leave it with you so you can take some time to read it through.","start_word":3900,"end_word":3916,"sentiment":"positive","sentiment_score":0.433694452047348},{"text":"If there are any questions, please let me know. There's no silly questions in my world. So if there's anything that's on your mind, you're welcome to let me know. Once you kinda have read it through and you've decided to take the advice and we implement that, I wanted to do a bit of a catch up maybe in three, six, or nine months. Would you like to do a bit of a catch up down the track and what time frame would suit you? Yeah. That's fine. I don't know. Maybe in six months' time. Yeah.","start_word":3917,"end_word":4014,"sentiment":"neutral","sentiment_score":0.1310456395149231},{"text":"Beautiful. I'll pop that in the calendar.","start_word":4015,"end_word":4021,"sentiment":"positive","sentiment_score":0.3696800768375397},{"text":"My team will give you a call. We'll book in, and we'll have a bit of a chat just to see how things are tracking and whether any further changes need to take place there for you. How does that sound? Yeah. Not perfect. Easy.","start_word":4022,"end_word":4066,"sentiment":"neutral","sentiment_score":0.20399262011051175},{"text":"Well, thank you so much for your time, Paul. I'll let you go. I hope you have a lovely day.","start_word":4067,"end_word":4086,"sentiment":"positive","sentiment_score":0.5669516921043396},{"text":"If you have any questions or need anything in the meantime, I am here.","start_word":4087,"end_word":4100,"sentiment":"neutral","sentiment_score":0.30563071370124817},{"text":"I'm more than happy to take your call and help you out. Okay? Bravo. Thank you very much. Thank you. Enjoy your day. You too. Thanks, Paul. See you later.","start_word":4101,"end_word":4130,"sentiment":"positive","sentiment_score":0.7376355528831482},{"text":"Bye. Bye. Bye.","start_word":4131,"end_word":4133,"sentiment":"neutral","sentiment_score":0.2163718342781067}],"average":{"sentiment":"neutral","sentiment_score":0.10921077116052824}}}}