{"metadata":{"transaction_key":"deprecated","request_id":"01a0e5a0-0b1d-70b1-b690-9f18809cc1ac","sha256":"5d34bbfc3cbac689fb9eb8e4e82a397c6491b2bffd977eb1ccaa8a6bd7bc7edc","created":"2026-09-28T01:27:48.434Z","duration":2021.976,"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":7254,"output_tokens":136},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8254,"output_tokens":8270},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8254,"output_tokens":710}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning, Casper. It's Larissa. How are you going? Yeah. Really, really good. Thank you. How can I help? Hi, Koyana. How are you going? Alright. Absolutely. More than happy to. Did you have any, like, specific questions, or did you want me to just kinda walk Yeah. Yeah. Okay. So what what I'd recommended after talking with Casper with respect to, I guess, cash flow availability and where things sat was that what we could do would would be to after Casper got his pay from his employer, so that is his net income. So after his tax was being paid from his gross income and his net income pay is paid in, we set up basically a contribution strategy into his hub twenty four fund for $400 a fortnight. And what that does is that puts that money into his super fund each fortnight. So dollar cost averaging across the year that $400. Now what we do from there is that at the end of the financial year, after the voluntary contributions are placed, we submit a really easy form. And, actually, I do that on your behalf every year. So I basically submit them within the first week or two of the July period after the financial year's roll. And we submit that form, and what that does is that converts those contributions into claimable contributions. It means that it's already it already gets sent through to the ATO, so there's nothing you really need to do. But you do get sent a receipt to basically say that you have verification and and confirmation that it has been done. But it gives you an automatic deduction to your tax return, and it means that the tax return is going to claim any of that tax that you've paid during the year back, and you're gonna get a nice a bigger tax return at that point. So if you have a look at the document when you have a chance to, on page nine of the statement of advice, basically, what it's going to do is it's going to reduce without considering any of the other claimables that you could possibly claim. Is it going to convert and it's gonna decrease your income, and your taxable income is going to decrease from about $52,000 down to 47,994, which means that there's about $4,056 that you will get back on your tax return by putting this money in. Yep. So you get taxed at your at your marginal rate with your employer, and then and then that money goes in and you claim that tax back when you do your tax return. So it works out the same as if you were to say salary sacrifice, but this is just a bit of a a saving strategy to give you that little bit more back during your tax return rather than each week through or each fortnight through your pay cycle. Yep. Yeah. So it it it really honestly works out much muchness in terms of, like, the exact same amount of taxes paid if you salary sacrifice throughout the year versus if you were to versus if you did this strategy. The difference is is that throughout the year, you're able to compound on the higher amount being inside your super fund Mhmm. Rather than having less because your super fund doesn't pay tax while the money is in the fund in this strategy. It's once I submit that form, then the super fund pays any tax applicable rather than paying it throughout the year. So what happens is right now, Casper's income is a $182,000. So he is taxed based on a $182,000 marginally throughout the year. So if we don't if we do no salary sacrifice, what that means is that each fortnight, his gross income is this amount, and he pays tax based on that amount that's paid. So he receives his his net income. Now if he were to salary sacrifice, what that means is they take money from the gross income and they push that over to the super fund. The super fund pays 15% tax on the contributions, and he is then taxed at his marginal rate on the remaining remaining funds, which based on the recommendation of $400 a fortnight, would mean that his income goes down to a $171,000 So that that is under the salary sacrifice, which is what you're which is what you're sort of explaining or you what what you're asking about. On my side, what happens or what I've recommended is that he continues to be taxed at a 182,000. After he gets paid, he then puts $400 in out of his net income. So he's already paid the tax. The money goes into the super fund, and then he claims the tax back at the end of the financial year. So he'll get the he gets the tax back. It just comes to him as a lump sum rather than coming to him each fortnight. But the exact same outcome happens in terms of tax paid. It's just a lot yeah. Correct. Yeah. And it yeah. We get you get the compounding interest by having the larger amount in the super fund during the year. Yeah. And it means that in terms of, like, money given back to you because Casper indicated that you guys have quite a decent cash flow at the moment in terms of money that you're putting in way into savings. So the amount that I've pushed through won't affect what you're currently putting away, and it means when you get that lump sum paid to you, you'll able you're able to just put that straight into your savings account. Yes. Yeah. Yes. So the your the the ATO, when you submit your tax return, the ATO will pay you the tax back. Because it basically yeah. Yeah. The contributions stay in the super funds. Yeah. They don't they don't come out. No. Yeah. What you what you get what you get paid back is is the ATO, basically. Basically, what happens is you are submitting a $10,400 deduction to your income, essentially. So when I submit that form to the fund, you end up just getting a $10,400 deduction. So it's like you have $10,000 worth of claimables that you're able to claim on your income. So when you submit your tax return, you know, how when you do your tax, you're trying to ask, you know, do you have any laundry to claim? Do you have any, you know, electricity or consumables or anything, travel that you've used? This is basically, like, an extra extra little item that you are submitting as a claimable. Yeah. Four thousand fifty 6. No. So there's two there's two documents in like, oh, well, there's there's, I guess, two documents that I've sent through. One's a statement of advice. The other one is the appendix, which I just closed. But the other one is the appendix, and what the appendix has is it has a couple other other considerations for Casper to look at. One was three 100 and one was 500. The 300 per fortnight didn't really work out that like, it it it was it was great. Don't be wrong, but it didn't work out as great. And the 500 a fortnight, there's a couple of considerations that you do like, that need to be made, and that is correct that you've reached the concessional cap. However, Casper has enough room that he is actually able to look back and take from unused caps over the previous years. So it's not going to affect him tax wise. It's not going to breach anything, and he's going to have he has the capacity to be able to do the 500. We just have to keep a close eye on it over, like, within the next five years, But it's not drastically bad. Like, it's not an issue. It's just in five years' time, we're gonna have to make sure that we're definitely a little bit more strict. Yeah. Yeah. Now you're testing me. I'm just gonna have a look. No. You're okay. I will just sorry. I stupidly closed the document. I went to go and swap documents and press press the x instead of the other one. So, essentially, 500. So 500, instead of paying 52 in tax, he'll pay $475.41, which means it'll be 4.5 $450.09 in terms of tax back. No. It's it's because it's in the it still keeps him in the same tax bracket. So Casper doesn't drop a tax bracket by doing any of these because he's on the higher side of his current tax bracket. So the tax bracket that Casper's in is from 135 up to a 190. He's sitting sitting at a 182,000, so he's sitting really high in that in that tax bracket. So unless we're gonna pop, you know, like, a a a good solid $50.60 grand into the fund, which is gonna eat into you guys and your cash flow, so it's not really gonna work. It's he's not gonna drop a tax bracket. Yep. Above, yeah, above $1.90. So it basically goes from there's no tax from zero to to 18,200. There's no tax paid there. From 18,201 up to 45, 16%. From 45,000 up to a 135, it's 30. From $1.35 to $1.90, it's 37. And then from $1.90 up, it's that that $40.45. Mhmm. It it it'll change the tax rates, but it'll it'll mean that you'll get a bigger tax break. Because if you go over the one ninety, it's just gonna improve your tax outcome because all of a sudden your taxable amount's gonna increase. So it will actually improve the tax outcome. If he earns, like, a 140 or sorry. I should say a 120, it looks worse, but it's still a bit of tax savings. That's yeah. Which document are you looking at? 1,034 is his insurance premiums. So our fee is that 1,003 20 7. And what we do is we we do advice like this. We do his investment advice. We make sure that all the investment options in the fund are appropriate. We make sure that, you know, if there's a market drop or anything like that or any of the assets are no longer fit for purpose, that we adjust, pivot, change, get rid of them, that we're not sitting in anything that's stagnating available for you guys to call at, you know, any point to ask these questions because super funds don't answer these, unfortunately. So that that's what we're available to do. Of course. On which document? No. No. No. That's absolutely fine. Your first and last name are absolutely appropriate. Don't get me wrong. If you want your entire name to to be listed, we can. But first and last name name is absolutely appropriate. Yeah. Yes. I know that Caden was giving you a hand with those earlier. No. No. Of course. It does it does change annually, but there is a form that Casper signs to nominate to sign on for a year, and we, during that that period, disclose the fee. Our fee calculation didn't change. So the way we we charge up oh, sorry. I have the hiccups now. The way we charge our fees is based on, like, 1.65% of the balance. And what we what we used to do is that would fluctuate and change based on the growth of the account. And if there was a market fall, obviously, then that you know, there was a market fall, and we would charge that per right across the year. What we do now is we actually based on the date that we make the recommendation, we calculate 1.65% of the account balance, and we just set that as the account fee. So it means that it doesn't fluctuate. You know exactly what's coming out month to month, and and and that's that's sort of how it goes. So it means as your account balance increases, as your contributions keep getting added to the account and you have that growth, the account balance doesn't change. So it works out generally a lot better for you. Yeah. Yeah. Yes. Yeah. So on that side is that if the account balance did did drop, our fee doesn't drop with that side. There there has definitely been fluctuation to it. Don't get me wrong, but I wouldn't say that there's been a significant drop. Yes. There's been there's been moments where it's dropped, but it hasn't ever dropped and not recovered, if that makes sense. Yeah. Yeah. Yes. Yeah. Definitely recovered. The like, the account does fluctuate. No. Yeah. No. It it has recovered quite well. Like, Casper's only been with his Hub twenty four account for, like, a month now. Yeah. A month. A month tomorrow. Previously, he was with Netwealth, and I have had a look at that account. And, yeah, it it it would would drop and recover and make more. It never went through a period of time where it didn't recover or didn't didn't make money. Don't be wrong. There there were periods of time there that it did sort of drop for a few months, but it always recovered and and made. That's okay. Yeah. Yeah, I know. Casper and I actually spoke about your side of things last Thursday when we spoke, and and he did tell me that he was likely gonna give me a call this morning. So I wasn't shocked when when when the team said that you were giving that you were there. But I'd be more than happy to have a a a conversation with you to be able to go through and just get a bit of information. So our initial consultation's complimentary. We we just go through, have a discussion about what your goals are, what you're wanting to achieve. The cool thing is is because Casper's already a client, I can kinda combine everything together and give you guys a whole overview of the two of you as a couple. Because, obviously, the the hope is to retire together and, you know, set off into the sunset, so to speak. So we can do some more, like, joint based planning moving forward, which which is cool. Yeah. So I'm a qualified financial adviser. Oakview is a financial planning firm. So Caden, who you spoke to, and Michelle, who you spoke to, they are part of my beautiful administration team, and they support, answer questions, assist with documentation. And and, basically, what we do is we help with not only super insurance, but we can help with a lot of wider advice pieces as well. So it can come down to budgeting. It can come down to, you know, purchase of houses, lots of different sort of little niche things as well. Do know a lot about it, but it's not an area of advice that we can give because that is general insurance. We're not we don't do general insurance. No financial advice at will. Yeah. I mean, we can we can definitely talk about sort of, I guess, what you get in tax concessions by having health insurance versus if you don't. And then you're able to have that information to then make an informed decision as to whether you cut your plan, get rid of your plan, or drop your plan down too. So I know there are a few few providers that do exist from personal research that basically do really basic tax plans that, like, the the whole point of the plan is you pay a little bit of money. It doesn't give you a lot of coverage, but it's way better than the tax you pay. Yeah. Oh, no. I know. It it it kills me every time. I, you know, take the take the kids to the dentist and Medicare covers it. Yeah. So, basically, there's a there's a Medicare levy that exists. If you don't have private health insurance, you pay the levy. If you do, you get an exemption. And the levy is the 2% of wages based on different brackets and so on and so forth. And yeah. Yeah. Based on different brackets and but, essentially speaking, what happens is if you don't have private health that covers hospital, it's not the extras that a private health cares about. It's it's literally just the private health hospital cover. If you don't have the hospital cover, then you get stung with the levy. If you do have the cover, then you don't get stung with the levy. Better. Yep. Pretty much. What I mean, can I ask? Because what I can do is I can calculate both of your levies today, and I can send you an email and be like, this is your breakdown of your tax, blah blah blah. What's your income? Okay. So I'll Yeah. No. You're okay. Yeah. Mhmm. Oh, Right. You're talking about the if you're over 30 when you get it put in place, you pay a high no. That's that's the that's that's different. And what that is is that's basically a insurer based thing. So the insurance company sent around and went, well, the older you get, the more likely you are to claim. And if you didn't have our cover before you turned 30 and you're doing this now because you are 30 and you realize that things are starting to happen health wise, you're gonna pay a higher premium. That's totally different to the the Medicare levy side. Yeah. Yeah. It'll be the cheapest way, but it just depends on whether you have other things that you wanna claim, which is where the extras come in. So, like, the dent the dentist can be expensive. Optical can be expensive. Yes. No. Definitely. No. I I get it too. I it it it literally kills. Okay. 1 718837. Alright. You wanna be specific? No. That's cool. Alright. Well, I can I can work out what the levy would be based on that? I'll also work it out on the 82,000 to account for, say, 10 grand worth of worth of overtime for the year. And and I'll just I'll throw those figures at you so that way you have it all broken down nicely and you can work backwards. No. That's okay. No. Still good to go. We can we can we can book it for a couple of weeks out. I'm pretty unavailable this week anyway because I'm booked out, and then it's my ten year wedding anniversary on Thursday. Thank you. I haven't killed him yet. Yeah. Always. We do. So, yeah, we're fifteen years just shy of fifteen years together, ten years married. So I'm taking him away to get away from the kids in life. And so, anyway, the week of like, I could probably do Friday the ninth or the following week, which would be the week of the October 12. That'd be No problems at all. Perfect. Oh, did you wanna give me your email address? And I'll I can just send you an email so you can touch base that way. Yep. K a w. Yep. Yep. Amazing. I'll send you an email. I'll cc you in on the email that I sent to to Casper, but I'll I'll send you a separate email so you can reach out when you have a moment free. That is in your like, when you're ready to set this up. So if you authorize this, basically, it's a matter of you tell me the day you want the contributions to come out, and there are two ways that we can set this up. One is that I set up a regular saving strategy where the money will just be deducted from your account to save you the headache of having to think about it, or the other is you control it and you have the money you send the money to the fund. The first option. Cool. And then you just need to tell me the date that you want it to happen, whether you want it to be on a Monday or a Friday or a blah blah blah. Why are you not claiming the tax free threshold? Yeah. No. No. No. Absolutely. Yeah. No. It's absolutely fine. All it means is that your employer pay like, they exclude the tax free threshold when they're paying you each fortnight. And, again, you're just gonna end up with even more at the end of the financial year. It's not really an issue. I can calculate it. Yeah. I can give you a rough idea. Correct. That's oh, no. You're okay. So that yep. So that that little box there above the signature is if you wanted to go ahead with the three, the four, or the five, you would just write in that I wanna proceed with 500,000 per oh, sorry. $5,500 per fortnight. So that way, my team knows when they're setting up that savings strategy that they that's what you you've agreed to go ahead with. So if you wanna alter the advice. If you wanna go ahead with 400, you just say just put a dot net. You don't have to do anything else. No. You're so fine. Oh, that's okay. I'll get all those emails sent out to you. And if there's any questions, you can shoot an email back. Yes. I will. My team will do that this week. They'll get forms out to you to set up the automatic savings strategy. It definitely can be on a computer. And can you confirm, while you and I are on the phone, what day is it that you would want the savings plan to come out? So that would be Thursday the eighth. And that is the Yes. That's the start date. A n. Perfect. Done. Mhmm. Tax savings side. Yep. Definitely can. That's okay, guys. Have a great day. Bye.","confidence":0.99902344,"words":[{"word":"good","start":3.6799998,"end":4.0,"confidence":0.9980469,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.38117748498916626},{"word":"morning","start":4.0,"end":4.4,"confidence":0.9719238,"punctuated_word":"morning,","sentiment":"positive","sentiment_score":0.411371648311615},{"word":"casper","start":4.4,"end":4.7999997,"confidence":0.7558594,"punctuated_word":"Casper.","sentiment":"positive","sentiment_score":0.3451167941093445},{"word":"it's","start":4.7999997,"end":5.04,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.337562620639801},{"word":"larissa","start":5.04,"end":5.52,"confidence":0.95670575,"punctuated_word":"Larissa.","sentiment":"neutral","sentiment_score":0.2711194157600403},{"word":"how","start":5.52,"end":5.6,"confidence":1.0,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.33952799439430237},{"word":"are","start":5.6,"end":5.7599998,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2943515479564667},{"word":"you","start":5.7599998,"end":5.8399997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28046876192092896},{"word":"going","start":5.8399997,"end":6.3399997,"confidence":0.9914551,"punctuated_word":"going?","sentiment":"neutral","sentiment_score":0.32185232639312744},{"word":"yeah","start":8.4,"end":8.88,"confidence":0.8642578,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.41987788677215576},{"word":"really","start":8.88,"end":9.28,"confidence":0.90649414,"punctuated_word":"Really,","sentiment":"positive","sentiment_score":0.7171960473060608},{"word":"really","start":9.28,"end":9.599999,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7577208280563354},{"word":"good","start":9.599999,"end":10.08,"confidence":0.99853516,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7615278959274292},{"word":"thank","start":10.08,"end":10.4,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.813020646572113},{"word":"you","start":10.4,"end":10.9,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.7261517643928528},{"word":"how","start":11.36,"end":11.679999,"confidence":0.95947266,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2598915994167328},{"word":"can","start":11.679999,"end":11.92,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.23395416140556335},{"word":"i","start":11.92,"end":12.42,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24457836151123047},{"word":"help","start":19.005,"end":19.505,"confidence":1.0,"punctuated_word":"help?","sentiment":"neutral","sentiment_score":0.06881473958492279},{"word":"hi","start":19.884998,"end":20.285,"confidence":0.9748535,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.0951739102602005},{"word":"koyana","start":20.285,"end":20.765,"confidence":0.6446533,"punctuated_word":"Koyana.","sentiment":"neutral","sentiment_score":0.107680544257164},{"word":"how","start":20.765,"end":21.005,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.1268370896577835},{"word":"are","start":21.005,"end":21.085,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10787710547447205},{"word":"you","start":21.085,"end":21.244999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12250174582004549},{"word":"going","start":21.244999,"end":21.744999,"confidence":0.9951172,"punctuated_word":"going?","sentiment":"neutral","sentiment_score":0.17812088131904602},{"word":"alright","start":33.68,"end":34.18,"confidence":0.7435303,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.3168003261089325},{"word":"absolutely","start":34.8,"end":35.3,"confidence":0.99365234,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.5311964750289917},{"word":"more","start":35.68,"end":35.84,"confidence":0.9790039,"punctuated_word":"More","sentiment":"positive","sentiment_score":0.7101176977157593},{"word":"than","start":35.84,"end":36.08,"confidence":1.0,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.7083439826965332},{"word":"happy","start":36.08,"end":36.4,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.7424632906913757},{"word":"to","start":36.4,"end":36.72,"confidence":0.99560547,"punctuated_word":"to.","sentiment":"positive","sentiment_score":0.6042066812515259},{"word":"did","start":36.72,"end":36.88,"confidence":0.99902344,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.19030965864658356},{"word":"you","start":36.88,"end":37.04,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1623591184616089},{"word":"have","start":37.04,"end":37.2,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17975503206253052},{"word":"any","start":37.2,"end":37.52,"confidence":0.99902344,"punctuated_word":"any,","sentiment":"neutral","sentiment_score":0.13641922175884247},{"word":"like","start":37.52,"end":37.760002,"confidence":1.0,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0961323231458664},{"word":"specific","start":37.760002,"end":38.08,"confidence":1.0,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":0.14052745699882507},{"word":"questions","start":38.08,"end":38.4,"confidence":0.9501953,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.12115533649921416},{"word":"or","start":38.4,"end":38.559998,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.13145802915096283},{"word":"did","start":38.559998,"end":38.72,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.12413251399993896},{"word":"you","start":38.72,"end":38.8,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14466416835784912},{"word":"want","start":38.8,"end":38.96,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.13038884103298187},{"word":"me","start":38.96,"end":39.04,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.16248351335525513},{"word":"to","start":39.04,"end":39.12,"confidence":0.9790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20916622877120972},{"word":"just","start":39.12,"end":39.28,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1969657987356186},{"word":"kinda","start":39.28,"end":39.6,"confidence":0.94140625,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.2711356282234192},{"word":"walk","start":39.6,"end":40.005,"confidence":0.99902344,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.23456302285194397},{"word":"yeah","start":58.02,"end":58.42,"confidence":0.9067383,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029840031638741493},{"word":"yeah","start":58.42,"end":58.92,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03551046922802925},{"word":"okay","start":59.86,"end":60.36,"confidence":0.87768555,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03975197672843933},{"word":"so","start":62.02,"end":62.42,"confidence":0.73339844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.005010515451431274},{"word":"what","start":62.42,"end":62.92,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.020836979150772095},{"word":"what","start":63.14,"end":63.38,"confidence":0.8442383,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.025417163968086243},{"word":"i'd","start":63.38,"end":63.78,"confidence":0.8400879,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.02651768922805786},{"word":"recommended","start":63.78,"end":64.28,"confidence":0.9902344,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.040815070271492},{"word":"after","start":64.34,"end":64.58,"confidence":0.99316406,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.03425363078713417},{"word":"talking","start":64.58,"end":65.06,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.05901075899600983},{"word":"with","start":65.06,"end":65.38,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07599389553070068},{"word":"casper","start":65.38,"end":65.88,"confidence":0.9313965,"punctuated_word":"Casper","sentiment":"neutral","sentiment_score":0.044524796307086945},{"word":"with","start":66.58501,"end":66.825005,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04384038224816322},{"word":"respect","start":66.825005,"end":67.145004,"confidence":1.0,"punctuated_word":"respect","sentiment":"neutral","sentiment_score":0.05191635712981224},{"word":"to","start":67.145004,"end":67.385,"confidence":0.99609375,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.058991439640522},{"word":"i","start":67.385,"end":67.545006,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06783798336982727},{"word":"guess","start":67.545006,"end":67.785,"confidence":0.99902344,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.0686909407377243},{"word":"cash","start":67.785,"end":67.945,"confidence":0.99902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.05435407534241676},{"word":"flow","start":67.945,"end":68.265,"confidence":0.95947266,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.08686798810958862},{"word":"availability","start":68.265,"end":68.745,"confidence":0.9951172,"punctuated_word":"availability","sentiment":"neutral","sentiment_score":0.07433323562145233},{"word":"and","start":68.745,"end":68.90501,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05165780335664749},{"word":"where","start":68.90501,"end":69.145004,"confidence":0.99316406,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.04963531345129013},{"word":"things","start":69.145004,"end":69.385,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07509978115558624},{"word":"sat","start":69.385,"end":69.885,"confidence":0.6513672,"punctuated_word":"sat","sentiment":"neutral","sentiment_score":0.06020481511950493},{"word":"was","start":70.105,"end":70.425,"confidence":0.7324219,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05041564628481865},{"word":"that","start":70.425,"end":70.745,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06095168367028237},{"word":"what","start":70.745,"end":70.985,"confidence":0.8881836,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06078874692320824},{"word":"we","start":70.985,"end":71.145004,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05821666866540909},{"word":"could","start":71.145004,"end":71.385,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.06776146590709686},{"word":"do","start":71.385,"end":71.885,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05653039738535881},{"word":"would","start":71.945,"end":72.445,"confidence":0.9267578,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.05065210163593292},{"word":"would","start":73.145004,"end":73.305,"confidence":0.94921875,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.05415704473853111},{"word":"be","start":73.305,"end":73.625,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04943835735321045},{"word":"to","start":73.625,"end":73.945,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04880397394299507},{"word":"after","start":74.025,"end":74.525,"confidence":1.0,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.055544257164001465},{"word":"casper","start":74.665,"end":75.065,"confidence":0.9995117,"punctuated_word":"Casper","sentiment":"neutral","sentiment_score":0.03460860624909401},{"word":"got","start":75.065,"end":75.305,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.03858058154582977},{"word":"his","start":75.305,"end":75.805,"confidence":1.0,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.036753442138433456},{"word":"pay","start":76.265,"end":76.765,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.03882402926683426},{"word":"from","start":76.825005,"end":77.145004,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.03781311586499214},{"word":"his","start":77.145004,"end":77.385,"confidence":1.0,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.02884764224290848},{"word":"employer","start":77.385,"end":77.865005,"confidence":0.88134766,"punctuated_word":"employer,","sentiment":"neutral","sentiment_score":0.04509119689464569},{"word":"so","start":77.865005,"end":78.105,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05537272989749909},{"word":"that","start":78.105,"end":78.345,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07358912378549576},{"word":"is","start":78.345,"end":78.825005,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05870502069592476},{"word":"his","start":78.825005,"end":79.145004,"confidence":0.98291016,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.04863768443465233},{"word":"net","start":79.145004,"end":79.385,"confidence":1.0,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.06895636767148972},{"word":"income","start":79.385,"end":79.705,"confidence":0.8293457,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.04448568448424339},{"word":"so","start":79.705,"end":79.94501,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.057256899774074554},{"word":"after","start":79.94501,"end":80.185005,"confidence":0.99902344,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.046153124421834946},{"word":"his","start":80.185005,"end":80.345,"confidence":0.97509766,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.05816086754202843},{"word":"tax","start":80.345,"end":80.505005,"confidence":0.9165039,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.08320457488298416},{"word":"was","start":80.505005,"end":80.745,"confidence":0.38964844,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03355414792895317},{"word":"being","start":80.745,"end":80.905,"confidence":0.9902344,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.05777429789304733},{"word":"paid","start":80.905,"end":81.405,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.04034648835659027},{"word":"from","start":82.12,"end":82.36,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.039388108998537064},{"word":"his","start":82.36,"end":82.520004,"confidence":0.99902344,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.03260377421975136},{"word":"gross","start":82.520004,"end":82.76,"confidence":0.99902344,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":0.050329454243183136},{"word":"income","start":82.76,"end":83.0,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.061119891703128815},{"word":"and","start":83.0,"end":83.240005,"confidence":0.93408203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06070812419056893},{"word":"his","start":83.240005,"end":83.4,"confidence":0.99902344,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.06064971163868904},{"word":"net","start":83.4,"end":83.560005,"confidence":0.9980469,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.07884062081575394},{"word":"income","start":83.560005,"end":84.04,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.060968007892370224},{"word":"pay","start":84.04,"end":84.28001,"confidence":0.33251953,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.06453920900821686},{"word":"is","start":84.44,"end":84.600006,"confidence":0.984375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07526852190494537},{"word":"paid","start":84.600006,"end":84.840004,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.06335430592298508},{"word":"in","start":84.840004,"end":85.340004,"confidence":0.99194336,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.07945005595684052},{"word":"we","start":85.64,"end":86.04,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.087316133081913},{"word":"set","start":86.04,"end":86.28001,"confidence":0.9970703,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.1081327348947525},{"word":"up","start":86.28001,"end":86.76,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.10120656341314316},{"word":"basically","start":86.76,"end":87.26,"confidence":0.6616211,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.11969523131847382},{"word":"a","start":87.4,"end":87.9,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12229114770889282},{"word":"contribution","start":88.44,"end":88.94,"confidence":0.98828125,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.08162128925323486},{"word":"strategy","start":89.16,"end":89.66,"confidence":1.0,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.12133422493934631},{"word":"into","start":89.72,"end":90.200005,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.12684431672096252},{"word":"his","start":90.200005,"end":90.44,"confidence":1.0,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.07639400660991669},{"word":"hub","start":90.44,"end":90.68,"confidence":0.6040039,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.1124986931681633},{"word":"twenty","start":90.68,"end":90.840004,"confidence":0.99609375,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.1073567271232605},{"word":"four","start":90.840004,"end":91.08,"confidence":0.9980469,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.09265652298927309},{"word":"fund","start":91.08,"end":91.58,"confidence":0.98535156,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.10100258886814116},{"word":"for","start":91.64,"end":91.8,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1147117242217064},{"word":"$400","start":91.8,"end":92.520004,"confidence":0.9980469,"punctuated_word":"$400","sentiment":"neutral","sentiment_score":0.1306415498256683},{"word":"a","start":92.520004,"end":92.600006,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10730038583278656},{"word":"fortnight","start":92.600006,"end":93.100006,"confidence":0.91430664,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":0.08521946519613266},{"word":"and","start":93.975006,"end":94.215004,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09786717593669891},{"word":"what","start":94.215004,"end":94.535,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10493430495262146},{"word":"that","start":94.535,"end":94.695,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09666682779788972},{"word":"does","start":94.695,"end":95.015,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.07614011317491531},{"word":"is","start":95.015,"end":95.095,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08694404363632202},{"word":"that","start":95.095,"end":95.335,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10858280956745148},{"word":"puts","start":95.335,"end":95.835,"confidence":0.9741211,"punctuated_word":"puts","sentiment":"neutral","sentiment_score":0.10220158100128174},{"word":"that","start":96.215004,"end":96.455,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10585781931877136},{"word":"money","start":96.455,"end":96.775,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.10324624180793762},{"word":"into","start":96.775,"end":97.015,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.11427699029445648},{"word":"his","start":97.015,"end":97.255005,"confidence":1.0,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.09314699470996857},{"word":"super","start":97.255005,"end":97.575005,"confidence":0.90478516,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.12867359817028046},{"word":"fund","start":97.575005,"end":98.055,"confidence":0.9086914,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.11223551630973816},{"word":"each","start":98.055,"end":98.295006,"confidence":1.0,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.11141549050807951},{"word":"fortnight","start":98.295006,"end":98.775,"confidence":0.8017578,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":0.07659056782722473},{"word":"so","start":98.775,"end":99.095,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06011362373828888},{"word":"dollar","start":99.095,"end":99.415,"confidence":0.9970703,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.06189797446131706},{"word":"cost","start":99.415,"end":99.735,"confidence":0.9892578,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.0753416121006012},{"word":"averaging","start":99.735,"end":100.235,"confidence":0.9980469,"punctuated_word":"averaging","sentiment":"neutral","sentiment_score":0.06565748900175095},{"word":"across","start":100.775,"end":101.175,"confidence":0.9863281,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.06138109043240547},{"word":"the","start":101.175,"end":101.335,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.060590196400880814},{"word":"year","start":101.335,"end":101.835,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.06064353138208389},{"word":"that","start":102.295006,"end":102.455,"confidence":0.671875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.062173280864953995},{"word":"$400","start":102.455,"end":103.355,"confidence":0.9995117,"punctuated_word":"$400.","sentiment":"neutral","sentiment_score":0.06170616298913956},{"word":"now","start":103.655,"end":104.155,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08424311876296997},{"word":"what","start":104.215004,"end":104.535,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09882444143295288},{"word":"we","start":104.535,"end":104.775,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0987420529127121},{"word":"do","start":104.775,"end":104.935005,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11008020490407944},{"word":"from","start":104.935005,"end":105.255005,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.10518332570791245},{"word":"there","start":105.255005,"end":105.495,"confidence":0.98535156,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08924303948879242},{"word":"is","start":105.495,"end":105.735,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09883071482181548},{"word":"that","start":105.735,"end":105.895004,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1059136688709259},{"word":"at","start":105.895004,"end":106.055,"confidence":0.97802734,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0939583256840706},{"word":"the","start":106.055,"end":106.215004,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08416860550642014},{"word":"end","start":106.215004,"end":106.455,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.10546192526817322},{"word":"of","start":106.455,"end":106.615005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09201544523239136},{"word":"the","start":106.615005,"end":106.775,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08429478108882904},{"word":"financial","start":106.775,"end":107.275,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.08078695088624954},{"word":"year","start":107.33501,"end":107.83501,"confidence":0.8718262,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.09335106611251832},{"word":"after","start":108.52,"end":108.84,"confidence":0.9980469,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.09337237477302553},{"word":"the","start":108.84,"end":109.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0982576310634613},{"word":"voluntary","start":109.0,"end":109.5,"confidence":1.0,"punctuated_word":"voluntary","sentiment":"neutral","sentiment_score":0.17153437435626984},{"word":"contributions","start":109.56,"end":110.03999,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.07533583045005798},{"word":"are","start":110.03999,"end":110.28,"confidence":0.89501953,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10882431268692017},{"word":"placed","start":110.28,"end":110.759995,"confidence":0.9980469,"punctuated_word":"placed,","sentiment":"neutral","sentiment_score":0.11231549084186554},{"word":"we","start":110.759995,"end":111.079994,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11729150265455246},{"word":"submit","start":111.079994,"end":111.579994,"confidence":1.0,"punctuated_word":"submit","sentiment":"neutral","sentiment_score":0.1362149715423584},{"word":"a","start":111.64,"end":111.88,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1386893391609192},{"word":"really","start":111.88,"end":112.2,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.2459181249141693},{"word":"easy","start":112.2,"end":112.52,"confidence":1.0,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":0.27732768654823303},{"word":"form","start":112.52,"end":112.759995,"confidence":0.8039551,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.14172333478927612},{"word":"and","start":112.759995,"end":113.0,"confidence":0.8786621,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.1357814073562622},{"word":"actually","start":113.0,"end":113.32,"confidence":1.0,"punctuated_word":"actually,","sentiment":"neutral","sentiment_score":0.15331730246543884},{"word":"i","start":113.32,"end":113.479996,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16685780882835388},{"word":"do","start":113.479996,"end":113.64,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15732410550117493},{"word":"that","start":113.64,"end":113.88,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16851836442947388},{"word":"on","start":113.88,"end":114.03999,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15187707543373108},{"word":"your","start":114.03999,"end":114.2,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18172377347946167},{"word":"behalf","start":114.2,"end":114.7,"confidence":1.0,"punctuated_word":"behalf","sentiment":"neutral","sentiment_score":0.1985697895288467},{"word":"every","start":115.399994,"end":115.64,"confidence":0.92822266,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.1457834094762802},{"word":"year","start":115.64,"end":115.88,"confidence":0.9926758,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.1290697306394577},{"word":"so","start":115.88,"end":116.03999,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12097731232643127},{"word":"i","start":116.03999,"end":116.119995,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13388009369373322},{"word":"basically","start":116.119995,"end":116.52,"confidence":0.9741211,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.1305972784757614},{"word":"submit","start":116.52,"end":116.84,"confidence":0.9980469,"punctuated_word":"submit","sentiment":"neutral","sentiment_score":0.08990026265382767},{"word":"them","start":116.84,"end":117.34,"confidence":0.9951172,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.10839255154132844},{"word":"within","start":117.64,"end":117.96,"confidence":0.97802734,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.12731429934501648},{"word":"the","start":117.96,"end":118.03999,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13888196647167206},{"word":"first","start":118.03999,"end":118.53999,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.1196739673614502},{"word":"week","start":119.479996,"end":119.72,"confidence":0.9951172,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.12594960629940033},{"word":"or","start":119.72,"end":119.96,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.12576869130134585},{"word":"two","start":119.96,"end":120.2,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.1117219552397728},{"word":"of","start":120.2,"end":120.439995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12407976388931274},{"word":"the","start":120.439995,"end":120.6,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11151526868343352},{"word":"july","start":120.6,"end":121.1,"confidence":1.0,"punctuated_word":"July","sentiment":"neutral","sentiment_score":0.08348961174488068},{"word":"period","start":121.159996,"end":121.659996,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.10580598562955856},{"word":"after","start":122.185005,"end":122.425,"confidence":1.0,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.09903816878795624},{"word":"the","start":122.425,"end":122.665,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10049615055322648},{"word":"financial","start":122.665,"end":122.985,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.08554728329181671},{"word":"year's","start":122.985,"end":123.225006,"confidence":0.94799805,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":0.10250051319599152},{"word":"roll","start":123.225006,"end":123.725006,"confidence":0.65966797,"punctuated_word":"roll.","sentiment":"neutral","sentiment_score":0.12016304582357408},{"word":"and","start":124.825005,"end":125.145004,"confidence":0.95703125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12696965038776398},{"word":"we","start":125.145004,"end":125.645004,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11539352685213088},{"word":"submit","start":125.94501,"end":126.345,"confidence":1.0,"punctuated_word":"submit","sentiment":"neutral","sentiment_score":0.1242460384964943},{"word":"that","start":126.345,"end":126.665,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1538006067276001},{"word":"form","start":126.665,"end":127.065,"confidence":0.9169922,"punctuated_word":"form,","sentiment":"neutral","sentiment_score":0.1341966986656189},{"word":"and","start":127.065,"end":127.225006,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1519308239221573},{"word":"what","start":127.225006,"end":127.385,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17619918286800385},{"word":"that","start":127.385,"end":127.545006,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15501785278320312},{"word":"does","start":127.545006,"end":127.785,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.13113188743591309},{"word":"is","start":127.785,"end":127.865005,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17096957564353943},{"word":"that","start":127.865005,"end":128.10501,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17687445878982544},{"word":"converts","start":128.10501,"end":128.585,"confidence":0.875,"punctuated_word":"converts","sentiment":"neutral","sentiment_score":0.157996267080307},{"word":"those","start":128.585,"end":128.825,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.12471269071102142},{"word":"contributions","start":128.825,"end":129.325,"confidence":0.9589844,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.1036507785320282},{"word":"into","start":129.625,"end":130.02501,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1960335671901703},{"word":"claimable","start":130.02501,"end":130.52501,"confidence":1.0,"punctuated_word":"claimable","sentiment":"neutral","sentiment_score":0.20232291519641876},{"word":"contributions","start":130.585,"end":131.085,"confidence":0.9980469,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.14085283875465393},{"word":"it","start":131.545,"end":131.785,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.16606834530830383},{"word":"means","start":131.785,"end":132.10501,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.15258415043354034},{"word":"that","start":132.10501,"end":132.505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1852235198020935},{"word":"it's","start":132.505,"end":132.825,"confidence":0.7775879,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.21734671294689176},{"word":"already","start":132.825,"end":133.225,"confidence":0.9941406,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.31902962923049927},{"word":"it","start":133.465,"end":133.625,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2748164236545563},{"word":"already","start":133.625,"end":133.945,"confidence":0.9980469,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.33329564332962036},{"word":"gets","start":133.945,"end":134.185,"confidence":0.7949219,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.203094482421875},{"word":"sent","start":134.185,"end":134.345,"confidence":0.97802734,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.20017260313034055},{"word":"through","start":134.345,"end":134.505,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.20163646340370175},{"word":"to","start":134.505,"end":134.66501,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19621895253658295},{"word":"the","start":134.66501,"end":134.74501,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16548903286457062},{"word":"ato","start":134.74501,"end":135.065,"confidence":0.87858075,"punctuated_word":"ATO,","sentiment":"neutral","sentiment_score":0.16436034440994263},{"word":"so","start":135.065,"end":135.225,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1928030252456665},{"word":"there's","start":135.225,"end":135.465,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.14927229285240173},{"word":"nothing","start":135.465,"end":135.785,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":0.12770818173885343},{"word":"you","start":135.785,"end":135.945,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11702744662761688},{"word":"really","start":135.945,"end":136.265,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.07127297669649124},{"word":"need","start":136.265,"end":136.425,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.09622252732515336},{"word":"to","start":136.425,"end":136.585,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.062461428344249725},{"word":"do","start":136.585,"end":137.085,"confidence":0.92700195,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.04392805695533752},{"word":"but","start":137.26001,"end":137.42001,"confidence":0.9863281,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.31763955950737},{"word":"you","start":137.42001,"end":137.5,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4215388894081116},{"word":"do","start":137.5,"end":137.58,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.45250552892684937},{"word":"get","start":137.58,"end":137.90001,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5271371603012085},{"word":"sent","start":137.90001,"end":138.06001,"confidence":0.9970703,"punctuated_word":"sent","sentiment":"positive","sentiment_score":0.3878577649593353},{"word":"a","start":138.06001,"end":138.22,"confidence":0.9580078,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.42277079820632935},{"word":"receipt","start":138.22,"end":138.62001,"confidence":0.99902344,"punctuated_word":"receipt","sentiment":"neutral","sentiment_score":0.3233071267604828},{"word":"to","start":138.62001,"end":138.78,"confidence":0.9941406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3586348295211792},{"word":"basically","start":138.78,"end":139.18001,"confidence":0.9370117,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.2489173412322998},{"word":"say","start":139.18001,"end":139.34001,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.323035329580307},{"word":"that","start":139.34001,"end":139.58,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.36146652698516846},{"word":"you","start":139.58,"end":139.82,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3695625066757202},{"word":"have","start":139.82,"end":140.32,"confidence":0.98095703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.28119710087776184},{"word":"verification","start":140.62001,"end":141.12001,"confidence":1.0,"punctuated_word":"verification","sentiment":"neutral","sentiment_score":0.24987834692001343},{"word":"and","start":141.26001,"end":141.42001,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3219558000564575},{"word":"and","start":141.42001,"end":141.66,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3163825571537018},{"word":"confirmation","start":141.66,"end":142.16,"confidence":1.0,"punctuated_word":"confirmation","sentiment":"positive","sentiment_score":0.34521815180778503},{"word":"that","start":142.22,"end":142.46,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.35699397325515747},{"word":"it","start":142.46,"end":142.62001,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.42700719833374023},{"word":"has","start":142.62001,"end":142.78,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.3728494942188263},{"word":"been","start":142.78,"end":142.94,"confidence":1.0,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.45408278703689575},{"word":"done","start":142.94,"end":143.44,"confidence":0.92529297,"punctuated_word":"done.","sentiment":"positive","sentiment_score":0.3618189990520478},{"word":"but","start":144.06001,"end":144.3,"confidence":0.9741211,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.41049280762672424},{"word":"it","start":144.3,"end":144.46,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5213670134544373},{"word":"gives","start":144.46,"end":144.78,"confidence":0.99902344,"punctuated_word":"gives","sentiment":"positive","sentiment_score":0.5040906071662903},{"word":"you","start":144.78,"end":144.94,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.609761655330658},{"word":"an","start":144.94,"end":145.1,"confidence":1.0,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.6118337512016296},{"word":"automatic","start":145.1,"end":145.6,"confidence":1.0,"punctuated_word":"automatic","sentiment":"positive","sentiment_score":0.5266379714012146},{"word":"deduction","start":147.1,"end":147.6,"confidence":0.9892578,"punctuated_word":"deduction","sentiment":"positive","sentiment_score":0.5119244456291199},{"word":"to","start":147.82,"end":147.98001,"confidence":0.97509766,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.554187536239624},{"word":"your","start":147.98001,"end":148.22,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5702446699142456},{"word":"tax","start":148.22,"end":148.46,"confidence":1.0,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.4401422142982483},{"word":"return","start":148.46,"end":148.96,"confidence":0.94677734,"punctuated_word":"return,","sentiment":"positive","sentiment_score":0.4656557142734528},{"word":"and","start":149.195,"end":149.27501,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5313310623168945},{"word":"it","start":149.27501,"end":149.43501,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5556461811065674},{"word":"means","start":149.43501,"end":149.595,"confidence":1.0,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.5184014439582825},{"word":"that","start":149.595,"end":149.835,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5754582285881042},{"word":"the","start":149.835,"end":149.99501,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6957219839096069},{"word":"tax","start":149.99501,"end":150.155,"confidence":1.0,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.6559276580810547},{"word":"return","start":150.155,"end":150.475,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.6896907687187195},{"word":"is","start":150.475,"end":150.71501,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6218533515930176},{"word":"going","start":150.71501,"end":150.955,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.5957678556442261},{"word":"to","start":150.955,"end":151.115,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6413620114326477},{"word":"claim","start":151.115,"end":151.515,"confidence":1.0,"punctuated_word":"claim","sentiment":"positive","sentiment_score":0.5327414274215698},{"word":"any","start":151.515,"end":151.755,"confidence":1.0,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.5633084774017334},{"word":"of","start":151.755,"end":151.91501,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6105508208274841},{"word":"that","start":151.91501,"end":152.07501,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6578422784805298},{"word":"tax","start":152.07501,"end":152.315,"confidence":1.0,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.5961298942565918},{"word":"that","start":152.315,"end":152.475,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.7037897109985352},{"word":"you've","start":152.475,"end":152.71501,"confidence":0.9941406,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.6387200355529785},{"word":"paid","start":152.71501,"end":153.115,"confidence":0.9980469,"punctuated_word":"paid","sentiment":"positive","sentiment_score":0.5373995900154114},{"word":"during","start":153.115,"end":153.35501,"confidence":1.0,"punctuated_word":"during","sentiment":"positive","sentiment_score":0.5125030279159546},{"word":"the","start":153.35501,"end":153.515,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5773361325263977},{"word":"year","start":153.515,"end":154.015,"confidence":1.0,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.5519437789916992},{"word":"back","start":154.155,"end":154.63501,"confidence":0.8083496,"punctuated_word":"back,","sentiment":"positive","sentiment_score":0.5805760622024536},{"word":"and","start":154.63501,"end":154.795,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6551215648651123},{"word":"you're","start":154.795,"end":154.955,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.7786010503768921},{"word":"gonna","start":154.955,"end":155.195,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.7346023321151733},{"word":"get","start":155.195,"end":155.27501,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.7309160232543945},{"word":"a","start":155.27501,"end":155.435,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6585322618484497},{"word":"nice","start":155.435,"end":155.755,"confidence":0.99902344,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.7305993437767029},{"word":"a","start":155.99501,"end":156.07501,"confidence":0.58691406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6911060810089111},{"word":"bigger","start":156.07501,"end":156.475,"confidence":0.97998047,"punctuated_word":"bigger","sentiment":"positive","sentiment_score":0.654278576374054},{"word":"tax","start":156.475,"end":156.63501,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.7564429640769958},{"word":"return","start":156.63501,"end":157.13501,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.7429223656654358},{"word":"at","start":157.435,"end":157.675,"confidence":0.99316406,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.6090896129608154},{"word":"that","start":157.675,"end":157.835,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5742346048355103},{"word":"point","start":157.835,"end":158.335,"confidence":1.0,"punctuated_word":"point.","sentiment":"positive","sentiment_score":0.3645421266555786},{"word":"so","start":158.55501,"end":158.875,"confidence":0.94921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3145167827606201},{"word":"if","start":158.875,"end":158.955,"confidence":0.99902344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.39199861884117126},{"word":"you","start":158.955,"end":159.115,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3867353200912475},{"word":"have","start":159.115,"end":159.27501,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4000841677188874},{"word":"a","start":159.27501,"end":159.35501,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3889056444168091},{"word":"look","start":159.35501,"end":159.515,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.22857244312763217},{"word":"at","start":159.515,"end":159.675,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1945164054632187},{"word":"the","start":159.675,"end":159.755,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1953497976064682},{"word":"document","start":159.755,"end":160.155,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.15485791862010956},{"word":"when","start":160.155,"end":160.315,"confidence":0.96435547,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.19437330961227417},{"word":"you","start":160.315,"end":160.395,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20423051714897156},{"word":"have","start":160.395,"end":160.55501,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17332366108894348},{"word":"a","start":160.55501,"end":160.63501,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22303776443004608},{"word":"chance","start":160.63501,"end":160.955,"confidence":1.0,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":0.1658414900302887},{"word":"to","start":160.955,"end":161.195,"confidence":0.91137695,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.19520415365695953},{"word":"on","start":161.195,"end":161.35501,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.18310217559337616},{"word":"page","start":161.35501,"end":161.755,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.1465100347995758},{"word":"nine","start":161.755,"end":162.07501,"confidence":1.0,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.23947210609912872},{"word":"of","start":162.07501,"end":162.235,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20640036463737488},{"word":"the","start":162.235,"end":162.395,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1830040067434311},{"word":"statement","start":162.395,"end":162.795,"confidence":0.98291016,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.22987300157546997},{"word":"of","start":162.795,"end":162.875,"confidence":0.7011719,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20600761473178864},{"word":"advice","start":162.875,"end":163.375,"confidence":0.98413086,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.17161273956298828},{"word":"basically","start":164.44,"end":164.84,"confidence":0.9692383,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.20252232253551483},{"word":"what","start":164.84,"end":165.08,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2433483600616455},{"word":"it's","start":165.08,"end":165.23999,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2726758122444153},{"word":"going","start":165.23999,"end":165.48,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.32722634077072144},{"word":"to","start":165.48,"end":165.56,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31237494945526123},{"word":"do","start":165.56,"end":165.8,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.276664674282074},{"word":"is","start":165.8,"end":165.95999,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2395130842924118},{"word":"it's","start":165.95999,"end":166.12,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.29269906878471375},{"word":"going","start":166.12,"end":166.36,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.3755337297916413},{"word":"to","start":166.36,"end":166.59999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31133997440338135},{"word":"reduce","start":166.59999,"end":167.09999,"confidence":1.0,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.21527044475078583},{"word":"without","start":167.8,"end":168.2,"confidence":0.7416992,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.13747923076152802},{"word":"considering","start":168.2,"end":168.68,"confidence":1.0,"punctuated_word":"considering","sentiment":"neutral","sentiment_score":0.0030083507299423218},{"word":"any","start":168.68,"end":168.92,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07704143226146698},{"word":"of","start":168.92,"end":169.08,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14659540355205536},{"word":"the","start":169.08,"end":169.16,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10471586883068083},{"word":"other","start":169.16,"end":169.4,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.1044636368751526},{"word":"claimables","start":169.4,"end":169.9,"confidence":0.97802734,"punctuated_word":"claimables","sentiment":"neutral","sentiment_score":0.03816383704543114},{"word":"that","start":169.95999,"end":170.12,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24524059891700745},{"word":"you","start":170.12,"end":170.36,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23721635341644287},{"word":"could","start":170.36,"end":170.52,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.20787227153778076},{"word":"possibly","start":170.52,"end":171.02,"confidence":0.99902344,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.14775410294532776},{"word":"claim","start":171.08,"end":171.58,"confidence":0.70861816,"punctuated_word":"claim.","sentiment":"neutral","sentiment_score":0.16194769740104675},{"word":"is","start":171.8,"end":172.12,"confidence":0.60253906,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1658627986907959},{"word":"it","start":172.12,"end":172.2,"confidence":0.9902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.234815776348114},{"word":"going","start":172.2,"end":172.44,"confidence":0.9404297,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.23805484175682068},{"word":"to","start":172.44,"end":172.68,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2714863419532776},{"word":"convert","start":172.68,"end":173.0,"confidence":1.0,"punctuated_word":"convert","sentiment":"neutral","sentiment_score":0.13394498825073242},{"word":"and","start":173.0,"end":173.16,"confidence":0.5229492,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18014925718307495},{"word":"it's","start":173.16,"end":173.31999,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1160171926021576},{"word":"gonna","start":173.31999,"end":173.64,"confidence":0.96533203,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1180325299501419},{"word":"decrease","start":173.64,"end":174.04,"confidence":0.99902344,"punctuated_word":"decrease","sentiment":"neutral","sentiment_score":0.08161760866641998},{"word":"your","start":174.04,"end":174.28,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03691427409648895},{"word":"income","start":174.28,"end":174.78,"confidence":0.7963867,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.03682707995176315},{"word":"and","start":174.84,"end":175.0,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10862672328948976},{"word":"your","start":175.0,"end":175.23999,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21678952872753143},{"word":"taxable","start":175.23999,"end":175.64,"confidence":0.99902344,"punctuated_word":"taxable","sentiment":"neutral","sentiment_score":0.21741527318954468},{"word":"income","start":175.64,"end":175.95999,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.17437663674354553},{"word":"is","start":175.95999,"end":176.12,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.26643919944763184},{"word":"going","start":176.12,"end":176.28,"confidence":0.99902344,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.3534734845161438},{"word":"to","start":176.28,"end":176.44,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31612148880958557},{"word":"decrease","start":176.44,"end":176.84,"confidence":1.0,"punctuated_word":"decrease","sentiment":"neutral","sentiment_score":0.19755247235298157},{"word":"from","start":176.84,"end":177.0,"confidence":0.96435547,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1413205862045288},{"word":"about","start":177.0,"end":177.31999,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13069656491279602},{"word":"$52,000","start":177.31999,"end":178.455,"confidence":0.999349,"punctuated_word":"$52,000","sentiment":"neutral","sentiment_score":0.2101985216140747},{"word":"down","start":178.935,"end":179.255,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2590535581111908},{"word":"to","start":179.255,"end":179.655,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23153120279312137},{"word":"47,994","start":179.655,"end":182.075,"confidence":0.95521766,"punctuated_word":"47,994,","sentiment":"neutral","sentiment_score":0.25237756967544556},{"word":"which","start":182.295,"end":182.615,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.300296425819397},{"word":"means","start":182.615,"end":182.855,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.25054171681404114},{"word":"that","start":182.855,"end":182.935,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.35279521346092224},{"word":"there's","start":182.935,"end":183.255,"confidence":0.99658203,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.42395639419555664},{"word":"about","start":183.255,"end":183.575,"confidence":1.0,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.37366166710853577},{"word":"$4,056","start":183.575,"end":185.735,"confidence":0.99960935,"punctuated_word":"$4,056","sentiment":"positive","sentiment_score":0.4582179486751557},{"word":"that","start":185.735,"end":185.895,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4838594794273377},{"word":"you","start":185.895,"end":186.05501,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5107079148292542},{"word":"will","start":186.05501,"end":186.215,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4491140842437744},{"word":"get","start":186.215,"end":186.455,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4708406329154968},{"word":"back","start":186.455,"end":186.775,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.408981591463089},{"word":"on","start":186.775,"end":186.935,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4964265525341034},{"word":"your","start":186.935,"end":187.095,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.41462260484695435},{"word":"tax","start":187.095,"end":187.41501,"confidence":1.0,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.4106043577194214},{"word":"return","start":187.41501,"end":187.91501,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.5145712494850159},{"word":"by","start":187.975,"end":188.135,"confidence":0.99902344,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.34230130910873413},{"word":"putting","start":188.135,"end":188.455,"confidence":1.0,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.39848941564559937},{"word":"this","start":188.455,"end":188.695,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3420292139053345},{"word":"money","start":188.695,"end":188.935,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.35583820939064026},{"word":"in","start":188.935,"end":189.435,"confidence":0.99853516,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.21903929114341736},{"word":"yep","start":195.51,"end":195.91,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16069218516349792},{"word":"so","start":195.91,"end":195.99,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11927778273820876},{"word":"you","start":195.99,"end":196.23,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17810775339603424},{"word":"get","start":196.23,"end":196.47,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.18142127990722656},{"word":"taxed","start":196.47,"end":196.79001,"confidence":0.9580078,"punctuated_word":"taxed","sentiment":"neutral","sentiment_score":0.22348730266094208},{"word":"at","start":196.79001,"end":196.95,"confidence":0.98828125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11638981848955154},{"word":"your","start":196.95,"end":197.11,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14781895279884338},{"word":"at","start":197.11,"end":197.27,"confidence":0.97998047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14063455164432526},{"word":"your","start":197.27,"end":197.51,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15868070721626282},{"word":"marginal","start":197.51,"end":197.91,"confidence":0.9902344,"punctuated_word":"marginal","sentiment":"neutral","sentiment_score":0.11734412610530852},{"word":"rate","start":197.91,"end":198.15,"confidence":0.9980469,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.19693168997764587},{"word":"with","start":198.15,"end":198.47,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13995060324668884},{"word":"your","start":198.47,"end":198.71,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12590506672859192},{"word":"employer","start":198.71,"end":199.21,"confidence":0.76660156,"punctuated_word":"employer,","sentiment":"neutral","sentiment_score":0.10391740500926971},{"word":"and","start":199.91,"end":200.15,"confidence":0.7675781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09407899528741837},{"word":"then","start":200.15,"end":200.65,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1746007800102234},{"word":"and","start":200.71,"end":200.87,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18827278912067413},{"word":"then","start":200.87,"end":201.03,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.19559380412101743},{"word":"that","start":201.03,"end":201.19,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26319605112075806},{"word":"money","start":201.19,"end":201.43001,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.28735992312431335},{"word":"goes","start":201.43001,"end":201.67,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.2855156660079956},{"word":"in","start":201.67,"end":201.91,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3134761452674866},{"word":"and","start":201.91,"end":202.07,"confidence":0.5239258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28295043110847473},{"word":"you","start":202.07,"end":202.31,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30913951992988586},{"word":"claim","start":202.31,"end":202.79001,"confidence":0.9980469,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.2842719554901123},{"word":"that","start":202.79001,"end":203.03,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29532772302627563},{"word":"tax","start":203.03,"end":203.35,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.30298274755477905},{"word":"back","start":203.35,"end":203.67,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.30321022868156433},{"word":"when","start":203.67,"end":203.83,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.21766899526119232},{"word":"you","start":203.83,"end":203.91,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23521341383457184},{"word":"do","start":203.91,"end":204.07,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20985475182533264},{"word":"your","start":204.07,"end":204.23,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24901805818080905},{"word":"tax","start":204.23,"end":204.47,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.23126232624053955},{"word":"return","start":204.47,"end":204.97,"confidence":0.9995117,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.2410306930541992},{"word":"so","start":205.295,"end":205.375,"confidence":0.97998047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24492299556732175},{"word":"it","start":205.375,"end":205.455,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.30309510231018066},{"word":"works","start":205.455,"end":205.69499,"confidence":1.0,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.32938289642333984},{"word":"out","start":205.69499,"end":205.935,"confidence":0.9980469,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.384259968996048},{"word":"the","start":205.935,"end":206.015,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2878141403198242},{"word":"same","start":206.015,"end":206.175,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.31183743476867676},{"word":"as","start":206.175,"end":206.33499,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2535663843154907},{"word":"if","start":206.33499,"end":206.415,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3251357674598694},{"word":"you","start":206.415,"end":206.575,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2360629141330719},{"word":"were","start":206.575,"end":206.735,"confidence":0.6503906,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.22542625665664673},{"word":"to","start":206.735,"end":206.89499,"confidence":0.9140625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16298608481884003},{"word":"say","start":206.89499,"end":207.135,"confidence":0.78759766,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.20290438830852509},{"word":"salary","start":207.135,"end":207.535,"confidence":0.9770508,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.12728574872016907},{"word":"sacrifice","start":207.535,"end":208.035,"confidence":0.8540039,"punctuated_word":"sacrifice,","sentiment":"neutral","sentiment_score":0.10739004611968994},{"word":"but","start":208.97499,"end":209.135,"confidence":0.62158203,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.13521257042884827},{"word":"this","start":209.135,"end":209.375,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.17189855873584747},{"word":"is","start":209.375,"end":209.455,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12589076161384585},{"word":"just","start":209.455,"end":209.61499,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12881901860237122},{"word":"a","start":209.61499,"end":209.69499,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16035300493240356},{"word":"bit","start":209.69499,"end":209.855,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1983087658882141},{"word":"of","start":209.855,"end":210.095,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19710293412208557},{"word":"a","start":210.095,"end":210.25499,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.208650603890419},{"word":"a","start":210.25499,"end":210.33499,"confidence":0.9667969,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2035607099533081},{"word":"saving","start":210.33499,"end":210.735,"confidence":0.7998047,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":0.16592144966125488},{"word":"strategy","start":210.735,"end":211.215,"confidence":0.99902344,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.13977880775928497},{"word":"to","start":211.215,"end":211.295,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17986702919006348},{"word":"give","start":211.295,"end":211.455,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.31986570358276367},{"word":"you","start":211.455,"end":211.61499,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3337090313434601},{"word":"that","start":211.61499,"end":211.775,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2669118642807007},{"word":"little","start":211.775,"end":212.015,"confidence":0.9741211,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.26616793870925903},{"word":"bit","start":212.015,"end":212.33499,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.23241449892520905},{"word":"more","start":212.33499,"end":212.83499,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.26663994789123535},{"word":"back","start":212.97499,"end":213.295,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.3301107883453369},{"word":"during","start":213.295,"end":213.61499,"confidence":0.9980469,"punctuated_word":"during","sentiment":"positive","sentiment_score":0.3950989842414856},{"word":"your","start":213.61499,"end":213.775,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.37248051166534424},{"word":"tax","start":213.775,"end":214.015,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.34439459443092346},{"word":"return","start":214.015,"end":214.415,"confidence":0.99902344,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.42307665944099426},{"word":"rather","start":214.415,"end":214.735,"confidence":0.95166016,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":0.2023761123418808},{"word":"than","start":214.735,"end":215.235,"confidence":0.9970703,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.15821418166160583},{"word":"each","start":215.375,"end":215.61499,"confidence":0.9970703,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.11711305379867554},{"word":"week","start":215.61499,"end":215.935,"confidence":0.9951172,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.11546807736158372},{"word":"through","start":215.935,"end":216.25499,"confidence":0.99316406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.11281315237283708},{"word":"or","start":216.25499,"end":216.33499,"confidence":0.96240234,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07892785221338272},{"word":"each","start":216.33499,"end":216.495,"confidence":0.99609375,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.08552674204111099},{"word":"fortnight","start":216.495,"end":216.97499,"confidence":0.9951172,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.12862960994243622},{"word":"through","start":216.97499,"end":217.135,"confidence":0.9921875,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1584257185459137},{"word":"your","start":217.135,"end":217.295,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1829354763031006},{"word":"pay","start":217.295,"end":217.65,"confidence":0.9770508,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.13962379097938538},{"word":"cycle","start":228.93,"end":229.17,"confidence":0.93725586,"punctuated_word":"cycle.","sentiment":"neutral","sentiment_score":0.11172010004520416},{"word":"yep","start":229.17,"end":229.665,"confidence":0.9995117,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17720620334148407},{"word":"yeah","start":236.94499,"end":237.42499,"confidence":0.95874023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1056315004825592},{"word":"so","start":237.42499,"end":237.745,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01804133504629135},{"word":"it","start":237.745,"end":238.245,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.049172550439834595},{"word":"it","start":240.305,"end":240.78499,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3310756981372833},{"word":"it","start":240.78499,"end":240.94499,"confidence":0.97509766,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.43912625312805176},{"word":"really","start":240.94499,"end":241.265,"confidence":0.9951172,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4620307981967926},{"word":"honestly","start":241.265,"end":241.765,"confidence":0.75390625,"punctuated_word":"honestly","sentiment":"positive","sentiment_score":0.37771672010421753},{"word":"works","start":241.825,"end":242.14499,"confidence":0.9716797,"punctuated_word":"works","sentiment":"positive","sentiment_score":0.5088871717453003},{"word":"out","start":242.14499,"end":242.64499,"confidence":0.99902344,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5025116205215454},{"word":"much","start":242.70499,"end":243.105,"confidence":0.99902344,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4164530634880066},{"word":"muchness","start":243.105,"end":243.605,"confidence":0.8183594,"punctuated_word":"muchness","sentiment":"positive","sentiment_score":0.492644727230072},{"word":"in","start":244.83,"end":244.98999,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.44307294487953186},{"word":"terms","start":244.98999,"end":245.39,"confidence":1.0,"punctuated_word":"terms","sentiment":"positive","sentiment_score":0.41300514340400696},{"word":"of","start":245.39,"end":245.62999,"confidence":0.9291992,"punctuated_word":"of,","sentiment":"positive","sentiment_score":0.3443310260772705},{"word":"like","start":245.62999,"end":246.03,"confidence":0.9790039,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.3079944849014282},{"word":"the","start":246.03,"end":246.26999,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.430678129196167},{"word":"exact","start":246.26999,"end":246.67,"confidence":1.0,"punctuated_word":"exact","sentiment":"positive","sentiment_score":0.44351550936698914},{"word":"same","start":246.67,"end":246.83,"confidence":0.9970703,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.39189741015434265},{"word":"amount","start":246.83,"end":247.06999,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.27978336811065674},{"word":"of","start":247.06999,"end":247.23,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.41666650772094727},{"word":"taxes","start":247.23,"end":247.62999,"confidence":0.9614258,"punctuated_word":"taxes","sentiment":"positive","sentiment_score":0.3521496653556824},{"word":"paid","start":247.62999,"end":248.12999,"confidence":0.9970703,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.3114302456378937},{"word":"if","start":248.19,"end":248.34999,"confidence":0.6484375,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3376808166503906},{"word":"you","start":248.34999,"end":248.51,"confidence":0.9194336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26965034008026123},{"word":"salary","start":248.51,"end":248.90999,"confidence":0.9838867,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.05502563714981079},{"word":"sacrifice","start":248.90999,"end":249.39,"confidence":0.83740234,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.03790120780467987},{"word":"throughout","start":249.39,"end":249.70999,"confidence":1.0,"punctuated_word":"throughout","sentiment":"neutral","sentiment_score":0.2325054258108139},{"word":"the","start":249.70999,"end":249.87,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4051084518432617},{"word":"year","start":249.87,"end":250.26999,"confidence":1.0,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.35766085982322693},{"word":"versus","start":250.26999,"end":250.76999,"confidence":0.97802734,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":0.2766174376010895},{"word":"if","start":250.90999,"end":251.06999,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3004508316516876},{"word":"you","start":251.06999,"end":251.23,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3299412131309509},{"word":"were","start":251.23,"end":251.47,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.2692221403121948},{"word":"to","start":251.47,"end":251.97,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2282230108976364},{"word":"versus","start":254.75,"end":255.15,"confidence":0.87353516,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":0.1975744664669037},{"word":"if","start":255.15,"end":255.23,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2691879868507385},{"word":"you","start":255.23,"end":255.47,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34963345527648926},{"word":"did","start":255.47,"end":255.70999,"confidence":0.99902344,"punctuated_word":"did","sentiment":"positive","sentiment_score":0.3501795828342438},{"word":"this","start":255.70999,"end":255.95,"confidence":0.9951172,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.29911595582962036},{"word":"strategy","start":255.95,"end":256.45,"confidence":0.9707031,"punctuated_word":"strategy.","sentiment":"neutral","sentiment_score":0.22967037558555603},{"word":"the","start":256.875,"end":257.035,"confidence":0.94189453,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.31630319356918335},{"word":"difference","start":257.035,"end":257.355,"confidence":0.99902344,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.3292817771434784},{"word":"is","start":257.355,"end":257.475,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3734837472438812},{"word":"is","start":257.475,"end":257.595,"confidence":0.9291992,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3894294500350952},{"word":"that","start":257.595,"end":257.83502,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.38706523180007935},{"word":"throughout","start":257.83502,"end":258.23502,"confidence":0.9951172,"punctuated_word":"throughout","sentiment":"positive","sentiment_score":0.4237526059150696},{"word":"the","start":258.23502,"end":258.475,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.46494024991989136},{"word":"year","start":258.475,"end":258.975,"confidence":0.9802246,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.4857631921768189},{"word":"you're","start":259.035,"end":259.355,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4907403886318207},{"word":"able","start":259.355,"end":259.67502,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.488484799861908},{"word":"to","start":259.67502,"end":260.17502,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.465883731842041},{"word":"compound","start":260.23502,"end":260.73502,"confidence":1.0,"punctuated_word":"compound","sentiment":"positive","sentiment_score":0.4554464519023895},{"word":"on","start":260.875,"end":261.11502,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4642855226993561},{"word":"the","start":261.11502,"end":261.355,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4320429265499115},{"word":"higher","start":261.355,"end":261.755,"confidence":1.0,"punctuated_word":"higher","sentiment":"positive","sentiment_score":0.4072229266166687},{"word":"amount","start":261.755,"end":262.155,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.31260013580322266},{"word":"being","start":262.155,"end":262.55502,"confidence":1.0,"punctuated_word":"being","sentiment":"positive","sentiment_score":0.36825570464134216},{"word":"inside","start":262.55502,"end":262.95502,"confidence":1.0,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.32468611001968384},{"word":"your","start":262.95502,"end":263.195,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.35081174969673157},{"word":"super","start":263.195,"end":263.515,"confidence":0.78027344,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3861488699913025},{"word":"fund","start":263.515,"end":264.015,"confidence":0.9472656,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.35803860425949097},{"word":"mhmm","start":265.035,"end":265.535,"confidence":0.9890137,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.003153725760057569},{"word":"rather","start":266.39502,"end":266.875,"confidence":1.0,"punctuated_word":"Rather","sentiment":"neutral","sentiment_score":-0.07902758568525314},{"word":"than","start":266.875,"end":267.27502,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.07763586938381195},{"word":"having","start":267.27502,"end":267.77502,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.1039210706949234},{"word":"less","start":268.23502,"end":268.55502,"confidence":0.99902344,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.12664785981178284},{"word":"because","start":268.55502,"end":268.875,"confidence":0.6166992,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0951746478676796},{"word":"your","start":268.875,"end":269.035,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02408921718597412},{"word":"super","start":269.035,"end":269.27502,"confidence":0.99902344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.03300271928310394},{"word":"fund","start":269.27502,"end":269.515,"confidence":0.98291016,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.03286270797252655},{"word":"doesn't","start":269.515,"end":269.755,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.10446520894765854},{"word":"pay","start":269.755,"end":269.995,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.1799943745136261},{"word":"tax","start":269.995,"end":270.23502,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.16687551140785217},{"word":"while","start":270.23502,"end":270.475,"confidence":0.97802734,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.043444231152534485},{"word":"the","start":270.475,"end":270.635,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.040970802307128906},{"word":"money","start":270.635,"end":270.875,"confidence":0.9970703,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.03668665885925293},{"word":"is","start":270.875,"end":271.035,"confidence":0.5024414,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1192321628332138},{"word":"in","start":271.035,"end":271.195,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06636233627796173},{"word":"the","start":271.195,"end":271.27502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04312482476234436},{"word":"fund","start":271.27502,"end":271.77502,"confidence":0.94921875,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.00898754596710205},{"word":"in","start":271.96,"end":272.19998,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11471085250377656},{"word":"this","start":272.19998,"end":272.36,"confidence":0.9267578,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0792669728398323},{"word":"strategy","start":272.36,"end":272.84,"confidence":0.98168945,"punctuated_word":"strategy.","sentiment":"neutral","sentiment_score":0.03934900835156441},{"word":"it's","start":272.84,"end":273.0,"confidence":0.99658203,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1215023547410965},{"word":"once","start":273.0,"end":273.24,"confidence":0.86572266,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.16886690258979797},{"word":"i","start":273.24,"end":273.47998,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15370216965675354},{"word":"submit","start":273.47998,"end":273.72,"confidence":1.0,"punctuated_word":"submit","sentiment":"neutral","sentiment_score":0.15247485041618347},{"word":"that","start":273.72,"end":273.96,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17583462595939636},{"word":"form","start":273.96,"end":274.46,"confidence":0.9802246,"punctuated_word":"form,","sentiment":"neutral","sentiment_score":0.15707077085971832},{"word":"then","start":274.68,"end":274.91998,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1674521565437317},{"word":"the","start":274.91998,"end":275.08,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1733822226524353},{"word":"super","start":275.08,"end":275.4,"confidence":0.9902344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.21651464700698853},{"word":"fund","start":275.4,"end":275.63998,"confidence":0.9941406,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.2141779512166977},{"word":"pays","start":275.63998,"end":275.87997,"confidence":0.9970703,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":0.12741513550281525},{"word":"any","start":275.87997,"end":276.03998,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.10011370480060576},{"word":"tax","start":276.03998,"end":276.28,"confidence":0.99609375,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1504311561584473},{"word":"applicable","start":276.28,"end":276.78,"confidence":0.9970703,"punctuated_word":"applicable","sentiment":"neutral","sentiment_score":0.04487614333629608},{"word":"rather","start":277.15997,"end":277.4,"confidence":0.9472656,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":0.014828383922576904},{"word":"than","start":277.4,"end":277.56,"confidence":0.99902344,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.006517425179481506},{"word":"paying","start":277.56,"end":277.8,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.09985174238681792},{"word":"it","start":277.8,"end":278.3,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04688146710395813},{"word":"throughout","start":278.52,"end":278.84,"confidence":1.0,"punctuated_word":"throughout","sentiment":"neutral","sentiment_score":-0.03266027569770813},{"word":"the","start":278.84,"end":279.0,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1027657762169838},{"word":"year","start":279.0,"end":279.5,"confidence":0.99560547,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.005745258182287216},{"word":"so","start":289.815,"end":290.315,"confidence":0.6557617,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08756694197654724},{"word":"what","start":290.935,"end":291.175,"confidence":0.96875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03246329724788666},{"word":"happens","start":291.175,"end":291.675,"confidence":0.9941406,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.012860730290412905},{"word":"is","start":291.975,"end":292.475,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04730452224612236},{"word":"right","start":293.095,"end":293.335,"confidence":0.67333984,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.0363360270857811},{"word":"now","start":293.335,"end":293.835,"confidence":0.91967773,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.010202322155237198},{"word":"casper's","start":294.295,"end":294.775,"confidence":0.92854816,"punctuated_word":"Casper's","sentiment":"neutral","sentiment_score":0.03443029522895813},{"word":"income","start":294.775,"end":295.095,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0782611221075058},{"word":"is","start":295.095,"end":295.335,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0003779307007789612},{"word":"a","start":295.335,"end":295.415,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0012512505054473877},{"word":"$182,000","start":295.415,"end":296.76,"confidence":0.9530029,"punctuated_word":"$182,000.","sentiment":"neutral","sentiment_score":-0.00016387800860684365},{"word":"so","start":297.72,"end":298.2,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01596696674823761},{"word":"he","start":298.2,"end":298.44,"confidence":0.99121094,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.0376756526529789},{"word":"is","start":298.44,"end":298.6,"confidence":0.9633789,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00518190860748291},{"word":"taxed","start":298.6,"end":299.08002,"confidence":0.9970703,"punctuated_word":"taxed","sentiment":"neutral","sentiment_score":0.032492347061634064},{"word":"based","start":299.08002,"end":299.32,"confidence":0.99902344,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.021204501390457153},{"word":"on","start":299.32,"end":299.48,"confidence":0.78222656,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03393389284610748},{"word":"a","start":299.48,"end":299.64,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06249462440609932},{"word":"$182,000","start":299.64,"end":301.42,"confidence":0.9958984,"punctuated_word":"$182,000","sentiment":"neutral","sentiment_score":-0.04002893343567848},{"word":"marginally","start":302.04,"end":302.54,"confidence":0.921875,"punctuated_word":"marginally","sentiment":"neutral","sentiment_score":0.017471373081207275},{"word":"throughout","start":302.6,"end":303.0,"confidence":0.99902344,"punctuated_word":"throughout","sentiment":"neutral","sentiment_score":-0.03177903592586517},{"word":"the","start":303.0,"end":303.16,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0021741539239883423},{"word":"year","start":303.16,"end":303.66,"confidence":0.9995117,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.00889483094215393},{"word":"so","start":303.96002,"end":304.12,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.029122941195964813},{"word":"if","start":304.12,"end":304.28,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01505790650844574},{"word":"we","start":304.28,"end":304.36002,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03911782801151275},{"word":"don't","start":304.36002,"end":304.52002,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.020026741549372673},{"word":"if","start":304.6,"end":304.76,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03872381150722504},{"word":"we","start":304.76,"end":304.84,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01601789891719818},{"word":"do","start":304.84,"end":305.0,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06270211935043335},{"word":"no","start":305.0,"end":305.24002,"confidence":0.9506836,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.0761643499135971},{"word":"salary","start":305.24002,"end":305.64,"confidence":0.9970703,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.22704125940799713},{"word":"sacrifice","start":305.64,"end":306.12,"confidence":0.9316406,"punctuated_word":"sacrifice,","sentiment":"neutral","sentiment_score":-0.10261696577072144},{"word":"what","start":306.12,"end":306.28,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.045075707137584686},{"word":"that","start":306.28,"end":306.44,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.006666749715805054},{"word":"means","start":306.44,"end":306.68002,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.05525661259889603},{"word":"is","start":306.68002,"end":306.84,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0013796240091323853},{"word":"that","start":306.84,"end":307.0,"confidence":0.9760742,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008530974388122559},{"word":"each","start":307.0,"end":307.24002,"confidence":0.99609375,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.03970471769571304},{"word":"fortnight","start":307.24002,"end":307.74002,"confidence":0.94750977,"punctuated_word":"fortnight,","sentiment":"neutral","sentiment_score":-0.03244411200284958},{"word":"his","start":307.96002,"end":308.2,"confidence":0.9980469,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.008504435420036316},{"word":"gross","start":308.2,"end":308.52002,"confidence":0.9951172,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":0.032167717814445496},{"word":"income","start":308.52002,"end":309.0,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.052868716418743134},{"word":"is","start":309.0,"end":309.5,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02672583609819412},{"word":"this","start":309.72,"end":310.04,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06975629180669785},{"word":"amount","start":310.04,"end":310.455,"confidence":0.86083984,"punctuated_word":"amount,","sentiment":"neutral","sentiment_score":0.00009809434413909912},{"word":"and","start":310.69498,"end":310.935,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02521663159132004},{"word":"he","start":310.935,"end":311.335,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.006527464836835861},{"word":"pays","start":311.335,"end":311.655,"confidence":1.0,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":-0.05043637752532959},{"word":"tax","start":311.655,"end":311.97498,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.04268374294042587},{"word":"based","start":311.97498,"end":312.215,"confidence":0.99902344,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.019598357379436493},{"word":"on","start":312.215,"end":312.375,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02535201609134674},{"word":"that","start":312.375,"end":312.53497,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03707452118396759},{"word":"amount","start":312.53497,"end":312.775,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.0056710392236709595},{"word":"that's","start":312.775,"end":313.01498,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.010273816995322704},{"word":"paid","start":313.01498,"end":313.495,"confidence":0.9680176,"punctuated_word":"paid.","sentiment":"neutral","sentiment_score":-0.03295217454433441},{"word":"so","start":313.495,"end":313.655,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.046011775732040405},{"word":"he","start":313.655,"end":313.895,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.06188784912228584},{"word":"receives","start":313.895,"end":314.29498,"confidence":0.9091797,"punctuated_word":"receives","sentiment":"neutral","sentiment_score":0.15728400647640228},{"word":"his","start":314.29498,"end":314.53497,"confidence":1.0,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.2185807824134827},{"word":"his","start":314.53497,"end":314.775,"confidence":0.9980469,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.13484850525856018},{"word":"net","start":314.775,"end":315.01498,"confidence":0.9941406,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.20090648531913757},{"word":"income","start":315.01498,"end":315.51498,"confidence":1.0,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.09619604796171188},{"word":"now","start":316.055,"end":316.375,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.029009614139795303},{"word":"if","start":316.375,"end":316.53497,"confidence":0.98828125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.005819592624902725},{"word":"he","start":316.53497,"end":316.69498,"confidence":0.9970703,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.010272487998008728},{"word":"were","start":316.69498,"end":316.935,"confidence":0.7294922,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.013505898416042328},{"word":"to","start":316.935,"end":317.095,"confidence":0.9633789,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02720988541841507},{"word":"salary","start":317.095,"end":317.495,"confidence":0.9951172,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.06384489685297012},{"word":"sacrifice","start":317.495,"end":317.97498,"confidence":0.9980469,"punctuated_word":"sacrifice,","sentiment":"neutral","sentiment_score":-0.0575084388256073},{"word":"what","start":317.97498,"end":318.215,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.04300303757190704},{"word":"that","start":318.215,"end":318.375,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.030506126582622528},{"word":"means","start":318.375,"end":318.615,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.07383155822753906},{"word":"is","start":318.615,"end":318.775,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.014092952013015749},{"word":"they","start":318.775,"end":318.935,"confidence":0.9951172,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.07404334098100662},{"word":"take","start":318.935,"end":319.175,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.11800243705511092},{"word":"money","start":319.175,"end":319.495,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.03314344584941864},{"word":"from","start":319.495,"end":319.655,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.062253862619400024},{"word":"the","start":319.655,"end":319.81497,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.061526820063591},{"word":"gross","start":319.81497,"end":320.13498,"confidence":0.99902344,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":-0.09175625443458556},{"word":"income","start":320.13498,"end":320.63498,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.02577736973762512},{"word":"and","start":320.935,"end":321.09497,"confidence":0.6328125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05485285818576813},{"word":"they","start":321.09497,"end":321.41498,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.07850468903779984},{"word":"push","start":321.41498,"end":321.735,"confidence":0.99316406,"punctuated_word":"push","sentiment":"neutral","sentiment_score":-0.027569644153118137},{"word":"that","start":321.735,"end":321.97498,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0218440443277359},{"word":"over","start":321.97498,"end":322.215,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.06193199008703232},{"word":"to","start":322.215,"end":322.29498,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04396169632673263},{"word":"the","start":322.29498,"end":322.455,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014769509434700012},{"word":"super","start":322.455,"end":322.775,"confidence":0.7158203,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.03868081420660019},{"word":"fund","start":322.775,"end":323.175,"confidence":0.8039551,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.022902775555849075},{"word":"the","start":323.175,"end":323.41498,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.028408288955688477},{"word":"super","start":323.41498,"end":323.81497,"confidence":0.99902344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.09109227359294891},{"word":"fund","start":323.81497,"end":324.29498,"confidence":0.9951172,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.14169487357139587},{"word":"pays","start":324.29498,"end":324.79498,"confidence":1.0,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":-0.001803964376449585},{"word":"15%","start":325.16998,"end":325.88998,"confidence":0.9995117,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.10992859303951263},{"word":"tax","start":325.88998,"end":326.21,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1766536384820938},{"word":"on","start":326.21,"end":326.37,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07920412719249725},{"word":"the","start":326.37,"end":326.61,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023518726229667664},{"word":"contributions","start":326.61,"end":327.11,"confidence":0.7619629,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.03741456940770149},{"word":"and","start":327.72998,"end":328.22998,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006904497742652893},{"word":"he","start":328.28998,"end":328.53,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.016215089708566666},{"word":"is","start":328.53,"end":328.77,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01373712718486786},{"word":"then","start":328.77,"end":329.09,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.02426046133041382},{"word":"taxed","start":329.09,"end":329.41,"confidence":0.99609375,"punctuated_word":"taxed","sentiment":"neutral","sentiment_score":0.07565876096487045},{"word":"at","start":329.41,"end":329.57,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.031016454100608826},{"word":"his","start":329.57,"end":329.72998,"confidence":0.9873047,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.07059125602245331},{"word":"marginal","start":329.72998,"end":330.22998,"confidence":1.0,"punctuated_word":"marginal","sentiment":"neutral","sentiment_score":0.05351947247982025},{"word":"rate","start":330.28998,"end":330.78998,"confidence":0.99609375,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.10934682190418243},{"word":"on","start":331.09,"end":331.33,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0827026218175888},{"word":"the","start":331.33,"end":331.65,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03578665852546692},{"word":"remaining","start":331.65,"end":332.15,"confidence":1.0,"punctuated_word":"remaining","sentiment":"neutral","sentiment_score":-0.006777852773666382},{"word":"remaining","start":332.28998,"end":332.69,"confidence":0.9970703,"punctuated_word":"remaining","sentiment":"neutral","sentiment_score":0.02223774790763855},{"word":"funds","start":332.69,"end":333.19,"confidence":0.9265137,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.05433905869722366},{"word":"which","start":333.25,"end":333.57,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0947108194231987},{"word":"based","start":333.57,"end":333.81,"confidence":0.7705078,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.108690083026886},{"word":"on","start":333.81,"end":333.97,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17018473148345947},{"word":"the","start":333.97,"end":334.05,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14073443412780762},{"word":"recommendation","start":334.05,"end":334.53,"confidence":1.0,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.194266676902771},{"word":"of","start":334.53,"end":334.69,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11455082893371582},{"word":"$400","start":334.69,"end":335.25,"confidence":0.99853516,"punctuated_word":"$400","sentiment":"neutral","sentiment_score":0.12337559461593628},{"word":"a","start":335.25,"end":335.33,"confidence":0.9707031,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13999418914318085},{"word":"fortnight","start":335.33,"end":335.83,"confidence":0.7807617,"punctuated_word":"fortnight,","sentiment":"neutral","sentiment_score":0.06009247153997421},{"word":"would","start":335.97,"end":336.21,"confidence":0.9951172,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.037879616022109985},{"word":"mean","start":336.21,"end":336.44998,"confidence":1.0,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.0667741447687149},{"word":"that","start":336.44998,"end":336.61,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06623251736164093},{"word":"his","start":336.61,"end":336.85,"confidence":1.0,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.052067697048187256},{"word":"income","start":336.85,"end":337.35,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06689992547035217},{"word":"goes","start":337.41,"end":337.65,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.044764891266822815},{"word":"down","start":337.65,"end":338.05,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.05811420828104019},{"word":"to","start":338.05,"end":338.21,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03712156414985657},{"word":"a","start":338.21,"end":338.37,"confidence":0.96533203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.043371208012104034},{"word":"$171,000","start":338.37,"end":340.065,"confidence":0.9995117,"punctuated_word":"$171,000","sentiment":"neutral","sentiment_score":0.04989468306303024},{"word":"so","start":345.505,"end":345.665,"confidence":0.6616211,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0026007965207099915},{"word":"that","start":345.665,"end":346.065,"confidence":0.4790039,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0013181716203689575},{"word":"that","start":346.065,"end":346.225,"confidence":0.96435547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.000379711389541626},{"word":"is","start":346.225,"end":346.465,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.016477204859256744},{"word":"under","start":346.465,"end":346.70502,"confidence":0.99902344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.01443006843328476},{"word":"the","start":346.70502,"end":346.785,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.042856365442276},{"word":"salary","start":346.785,"end":347.265,"confidence":1.0,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.08617774397134781},{"word":"sacrifice","start":347.265,"end":347.585,"confidence":0.9343262,"punctuated_word":"sacrifice,","sentiment":"neutral","sentiment_score":-0.06294035166501999},{"word":"which","start":347.585,"end":347.825,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.019540518522262573},{"word":"is","start":347.825,"end":347.98502,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03117784857749939},{"word":"what","start":347.98502,"end":348.225,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.033313289284706116},{"word":"you're","start":348.225,"end":348.725,"confidence":0.8088379,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.03434649109840393},{"word":"which","start":348.865,"end":349.105,"confidence":0.92333984,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.02282661199569702},{"word":"is","start":349.105,"end":349.265,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.037783242762088776},{"word":"what","start":349.265,"end":349.345,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05277372896671295},{"word":"you're","start":349.345,"end":349.665,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0577804371714592},{"word":"sort","start":349.665,"end":349.905,"confidence":0.97509766,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.059951648116111755},{"word":"of","start":349.905,"end":350.065,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08531898260116577},{"word":"explaining","start":350.065,"end":350.565,"confidence":1.0,"punctuated_word":"explaining","sentiment":"neutral","sentiment_score":-0.08909586071968079},{"word":"or","start":350.625,"end":350.785,"confidence":0.8745117,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07235090434551239},{"word":"you","start":350.785,"end":350.945,"confidence":0.55859375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10118058323860168},{"word":"what","start":351.025,"end":351.345,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.09966079890727995},{"word":"what","start":351.345,"end":351.505,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.10364102572202682},{"word":"you're","start":351.505,"end":351.825,"confidence":0.8095703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0888838917016983},{"word":"asking","start":351.825,"end":352.145,"confidence":0.9902344,"punctuated_word":"asking","sentiment":"neutral","sentiment_score":-0.038089074194431305},{"word":"about","start":352.145,"end":352.62,"confidence":0.9980469,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":-0.0477139912545681},{"word":"on","start":352.86,"end":353.1,"confidence":0.99902344,"punctuated_word":"On","sentiment":"neutral","sentiment_score":-0.05953291803598404},{"word":"my","start":353.1,"end":353.34,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.06139087677001953},{"word":"side","start":353.34,"end":353.66,"confidence":0.9785156,"punctuated_word":"side,","sentiment":"neutral","sentiment_score":-0.06689702719449997},{"word":"what","start":353.66,"end":353.9,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.07829634845256805},{"word":"happens","start":353.9,"end":354.22,"confidence":0.99121094,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.06668539345264435},{"word":"or","start":354.22,"end":354.46,"confidence":0.92089844,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06108614429831505},{"word":"what","start":354.46,"end":354.62,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.07369913160800934},{"word":"i've","start":354.62,"end":354.86,"confidence":0.9921875,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.05513808876276016},{"word":"recommended","start":354.86,"end":355.36,"confidence":0.99902344,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":-0.04830820485949516},{"word":"is","start":355.82,"end":356.06,"confidence":0.97998047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04090721905231476},{"word":"that","start":356.06,"end":356.46,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.027705881744623184},{"word":"he","start":356.46,"end":356.69998,"confidence":0.9951172,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.14337065815925598},{"word":"continues","start":356.69998,"end":357.1,"confidence":0.99902344,"punctuated_word":"continues","sentiment":"neutral","sentiment_score":-0.16891084611415863},{"word":"to","start":357.1,"end":357.26,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18031452596187592},{"word":"be","start":357.26,"end":357.41998,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2120477259159088},{"word":"taxed","start":357.41998,"end":357.74,"confidence":0.9921875,"punctuated_word":"taxed","sentiment":"neutral","sentiment_score":-0.183230921626091},{"word":"at","start":357.74,"end":357.82,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.19885209202766416},{"word":"a","start":357.82,"end":357.9,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16837437450885773},{"word":"182,000","start":357.9,"end":359.28,"confidence":0.99013674,"punctuated_word":"182,000.","sentiment":"neutral","sentiment_score":-0.13731777667999268},{"word":"after","start":360.46,"end":360.78,"confidence":0.99902344,"punctuated_word":"After","sentiment":"neutral","sentiment_score":-0.1193166971206665},{"word":"he","start":360.78,"end":360.94,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.08961333334445953},{"word":"gets","start":360.94,"end":361.26,"confidence":1.0,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.08445103466510773},{"word":"paid","start":361.26,"end":361.58,"confidence":0.9975586,"punctuated_word":"paid,","sentiment":"neutral","sentiment_score":-0.08630762994289398},{"word":"he","start":361.58,"end":361.9,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.10741434246301652},{"word":"then","start":361.9,"end":362.22,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.0989031195640564},{"word":"puts","start":362.22,"end":362.62,"confidence":0.9980469,"punctuated_word":"puts","sentiment":"neutral","sentiment_score":-0.11173965036869048},{"word":"$400","start":362.62,"end":363.41998,"confidence":1.0,"punctuated_word":"$400","sentiment":"neutral","sentiment_score":-0.08386514335870743},{"word":"in","start":363.41998,"end":363.66,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09240065515041351},{"word":"out","start":363.66,"end":363.74,"confidence":0.98095703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.08312393724918365},{"word":"of","start":363.74,"end":363.9,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10944727063179016},{"word":"his","start":363.9,"end":364.13998,"confidence":1.0,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.11997246742248537},{"word":"net","start":364.13998,"end":364.38,"confidence":1.0,"punctuated_word":"net","sentiment":"neutral","sentiment_score":-0.0661252811551094},{"word":"income","start":364.38,"end":364.69998,"confidence":0.7487793,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.07306188344955444},{"word":"so","start":364.69998,"end":364.86,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09724196791648863},{"word":"he's","start":364.86,"end":365.18,"confidence":0.9921875,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.10665977001190186},{"word":"already","start":365.18,"end":365.5,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.08344589173793793},{"word":"paid","start":365.5,"end":365.74,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.1261044144630432},{"word":"the","start":365.74,"end":365.9,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1345563530921936},{"word":"tax","start":365.9,"end":366.225,"confidence":0.99609375,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.09781213104724884},{"word":"the","start":367.745,"end":367.905,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.008198097348213196},{"word":"money","start":367.905,"end":368.14502,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.02031685411930084},{"word":"goes","start":368.14502,"end":368.385,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.03593795746564865},{"word":"into","start":368.385,"end":368.545,"confidence":0.9970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.07043830305337906},{"word":"the","start":368.545,"end":368.70502,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06982477009296417},{"word":"super","start":368.70502,"end":369.025,"confidence":0.7270508,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08926728367805481},{"word":"fund","start":369.025,"end":369.525,"confidence":0.7697754,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.05781414732336998},{"word":"and","start":369.825,"end":369.98502,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.030099906027317047},{"word":"then","start":369.98502,"end":370.14502,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.019415661692619324},{"word":"he","start":370.14502,"end":370.465,"confidence":0.99902344,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.009862735867500303},{"word":"claims","start":370.465,"end":370.965,"confidence":0.9970703,"punctuated_word":"claims","sentiment":"neutral","sentiment_score":-0.034426748752593994},{"word":"the","start":371.105,"end":371.345,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03841300308704376},{"word":"tax","start":371.345,"end":371.665,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.017484024167060852},{"word":"back","start":371.665,"end":371.905,"confidence":0.9902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.05827018618583679},{"word":"at","start":371.905,"end":371.98502,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05356641113758087},{"word":"the","start":371.98502,"end":372.14502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01351502537727356},{"word":"end","start":372.14502,"end":372.225,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.06520245969295502},{"word":"of","start":372.225,"end":372.305,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05058448016643524},{"word":"the","start":372.305,"end":372.465,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03490398824214935},{"word":"financial","start":372.465,"end":372.945,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.007213592529296875},{"word":"year","start":372.945,"end":373.265,"confidence":0.99609375,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.06490309536457062},{"word":"so","start":373.265,"end":373.505,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06522440910339355},{"word":"he'll","start":373.505,"end":373.745,"confidence":0.9995117,"punctuated_word":"he'll","sentiment":"neutral","sentiment_score":0.08527876436710358},{"word":"get","start":373.745,"end":373.905,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1074276566505432},{"word":"the","start":373.905,"end":374.065,"confidence":0.7558594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1321183443069458},{"word":"he","start":374.225,"end":374.385,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.09483416378498076},{"word":"gets","start":374.385,"end":374.70502,"confidence":1.0,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.09717033803462982},{"word":"the","start":374.70502,"end":374.945,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07433177530765533},{"word":"tax","start":374.945,"end":375.265,"confidence":0.9770508,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.11322568356990814},{"word":"back","start":375.265,"end":375.745,"confidence":0.9067383,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.05769968032836914},{"word":"it","start":375.745,"end":375.98502,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.02384636551141739},{"word":"just","start":375.98502,"end":376.225,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04558001458644867},{"word":"comes","start":376.225,"end":376.385,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.021225348114967343},{"word":"to","start":376.385,"end":376.545,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05007994920015335},{"word":"him","start":376.545,"end":376.70502,"confidence":1.0,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.039583005011081696},{"word":"as","start":376.70502,"end":376.865,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06632180511951447},{"word":"a","start":376.865,"end":376.945,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07044215500354767},{"word":"lump","start":376.945,"end":377.265,"confidence":1.0,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.06174219399690628},{"word":"sum","start":377.265,"end":377.765,"confidence":1.0,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.14507000148296356},{"word":"rather","start":377.825,"end":378.14502,"confidence":0.9370117,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":0.01675967127084732},{"word":"than","start":378.14502,"end":378.385,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.006973132491111755},{"word":"coming","start":378.385,"end":378.70502,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.017969302833080292},{"word":"to","start":378.70502,"end":378.865,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0011029541492462158},{"word":"him","start":378.865,"end":379.345,"confidence":1.0,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.010060586035251616},{"word":"each","start":379.345,"end":379.665,"confidence":1.0,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.002352386713027954},{"word":"fortnight","start":379.665,"end":380.165,"confidence":0.90527344,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":-0.0052627213299274445},{"word":"but","start":380.72998,"end":380.97,"confidence":0.9873047,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03505712002515793},{"word":"the","start":380.97,"end":381.13,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07763778418302536},{"word":"exact","start":381.13,"end":381.44998,"confidence":1.0,"punctuated_word":"exact","sentiment":"neutral","sentiment_score":-0.09342284500598907},{"word":"same","start":381.44998,"end":381.84998,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.04287496954202652},{"word":"outcome","start":381.84998,"end":382.34998,"confidence":1.0,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":-0.05636417865753174},{"word":"happens","start":382.41,"end":382.81,"confidence":0.99902344,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.03405790030956268},{"word":"in","start":382.81,"end":382.97,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.034599997103214264},{"word":"terms","start":382.97,"end":383.21,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.005625814199447632},{"word":"of","start":383.21,"end":383.44998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03069791942834854},{"word":"tax","start":383.44998,"end":383.77,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.026686891913414},{"word":"paid","start":383.77,"end":384.27,"confidence":0.99658203,"punctuated_word":"paid.","sentiment":"neutral","sentiment_score":-0.04488079994916916},{"word":"it's","start":385.05,"end":385.28998,"confidence":0.9980469,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.10960565507411955},{"word":"just","start":385.28998,"end":385.78998,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1651587337255478},{"word":"a","start":386.72998,"end":386.88998,"confidence":0.96240234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.33078068494796753},{"word":"lot","start":386.88998,"end":387.38998,"confidence":0.65722656,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.3214258849620819},{"word":"yeah","start":387.69,"end":388.19,"confidence":0.87890625,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.24608659744262695},{"word":"correct","start":393.61,"end":394.11,"confidence":0.9790039,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.20929494500160217},{"word":"yeah","start":394.395,"end":394.895,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14610764384269714},{"word":"and","start":396.34998,"end":396.84998,"confidence":0.47802734,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0920000672340393},{"word":"it","start":398.305,"end":398.555,"confidence":0.8222656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0764138326048851},{"word":"yeah","start":398.715,"end":399.215,"confidence":0.9975586,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.056636642664670944},{"word":"we","start":411.37997,"end":411.62,"confidence":0.6064453,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.4570104777812958},{"word":"get","start":411.62,"end":411.69998,"confidence":0.98291016,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.46201619505882263},{"word":"you","start":411.86,"end":412.02,"confidence":0.99316406,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.47156769037246704},{"word":"get","start":412.02,"end":412.18,"confidence":0.9980469,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4077710509300232},{"word":"the","start":412.18,"end":412.34,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4212665855884552},{"word":"compounding","start":412.34,"end":412.84,"confidence":1.0,"punctuated_word":"compounding","sentiment":"positive","sentiment_score":0.3838222026824951},{"word":"interest","start":413.86,"end":414.36,"confidence":0.9160156,"punctuated_word":"interest","sentiment":"positive","sentiment_score":0.5971997976303101},{"word":"by","start":414.97998,"end":415.21997,"confidence":1.0,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.4946572482585907},{"word":"having","start":415.21997,"end":415.46,"confidence":1.0,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.5447434782981873},{"word":"the","start":415.46,"end":415.62,"confidence":0.9941406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.45715585350990295},{"word":"larger","start":415.62,"end":416.02,"confidence":1.0,"punctuated_word":"larger","sentiment":"positive","sentiment_score":0.5007197856903076},{"word":"amount","start":416.02,"end":416.34,"confidence":1.0,"punctuated_word":"amount","sentiment":"positive","sentiment_score":0.5160807371139526},{"word":"in","start":416.34,"end":416.5,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5141341090202332},{"word":"the","start":416.5,"end":416.65997,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5843030214309692},{"word":"super","start":416.65997,"end":417.13998,"confidence":0.5913086,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.545820951461792},{"word":"fund","start":417.13998,"end":417.53998,"confidence":0.5205078,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.5488714575767517},{"word":"during","start":417.53998,"end":417.86,"confidence":1.0,"punctuated_word":"during","sentiment":"positive","sentiment_score":0.5187476277351379},{"word":"the","start":417.86,"end":418.02,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4579449295997619},{"word":"year","start":418.02,"end":418.52,"confidence":0.9145508,"punctuated_word":"year.","sentiment":"positive","sentiment_score":0.4387316703796386},{"word":"yeah","start":420.5,"end":420.74,"confidence":0.84936523,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3438042402267456},{"word":"and","start":420.74,"end":420.97998,"confidence":0.99902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.355681836605072},{"word":"it","start":420.97998,"end":421.13998,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.34798571467399597},{"word":"means","start":421.13998,"end":421.46,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.29973164200782776},{"word":"that","start":421.46,"end":421.96,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3931442201137543},{"word":"in","start":422.02,"end":422.25998,"confidence":0.96875,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.39854076504707336},{"word":"terms","start":422.25998,"end":422.58,"confidence":1.0,"punctuated_word":"terms","sentiment":"positive","sentiment_score":0.33579736948013306},{"word":"of","start":422.58,"end":422.985,"confidence":0.99609375,"punctuated_word":"of,","sentiment":"positive","sentiment_score":0.3629606366157532},{"word":"like","start":423.145,"end":423.465,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.3366663455963135},{"word":"money","start":423.465,"end":423.965,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.5011126399040222},{"word":"given","start":424.10498,"end":424.425,"confidence":0.9863281,"punctuated_word":"given","sentiment":"positive","sentiment_score":0.5689149498939514},{"word":"back","start":424.425,"end":424.585,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.4350685179233551},{"word":"to","start":424.585,"end":424.66498,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5039448738098145},{"word":"you","start":424.66498,"end":424.82498,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4595106542110443},{"word":"because","start":424.905,"end":425.145,"confidence":0.97998047,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.4128600955009461},{"word":"casper","start":425.145,"end":425.54498,"confidence":0.9416504,"punctuated_word":"Casper","sentiment":"positive","sentiment_score":0.6173586845397949},{"word":"indicated","start":425.54498,"end":426.04498,"confidence":0.9980469,"punctuated_word":"indicated","sentiment":"positive","sentiment_score":0.49511316418647766},{"word":"that","start":426.10498,"end":426.425,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5111691355705261},{"word":"you","start":426.425,"end":426.585,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5482273101806641},{"word":"guys","start":426.585,"end":426.82498,"confidence":1.0,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.5583243370056152},{"word":"have","start":426.82498,"end":427.06497,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4761322736740112},{"word":"quite","start":427.06497,"end":427.305,"confidence":1.0,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.4995043873786926},{"word":"a","start":427.305,"end":427.465,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4744267463684082},{"word":"decent","start":427.465,"end":427.865,"confidence":1.0,"punctuated_word":"decent","sentiment":"positive","sentiment_score":0.4621915817260742},{"word":"cash","start":427.865,"end":428.10498,"confidence":1.0,"punctuated_word":"cash","sentiment":"positive","sentiment_score":0.4580684006214142},{"word":"flow","start":428.10498,"end":428.60498,"confidence":0.9892578,"punctuated_word":"flow","sentiment":"positive","sentiment_score":0.5591644048690796},{"word":"at","start":429.22498,"end":429.38498,"confidence":0.8833008,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5297412872314453},{"word":"the","start":429.38498,"end":429.465,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4955400228500366},{"word":"moment","start":429.465,"end":429.78497,"confidence":1.0,"punctuated_word":"moment","sentiment":"positive","sentiment_score":0.5155572891235352},{"word":"in","start":429.78497,"end":429.94498,"confidence":0.9838867,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4767855107784271},{"word":"terms","start":429.94498,"end":430.10498,"confidence":1.0,"punctuated_word":"terms","sentiment":"positive","sentiment_score":0.4486046433448791},{"word":"of","start":430.10498,"end":430.26498,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5466597080230713},{"word":"money","start":430.26498,"end":430.425,"confidence":0.9980469,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.452075719833374},{"word":"that","start":430.425,"end":430.585,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5962079763412476},{"word":"you're","start":430.585,"end":430.745,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5148429870605469},{"word":"putting","start":430.745,"end":430.985,"confidence":1.0,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.5078417658805847},{"word":"in","start":430.985,"end":431.06497,"confidence":0.6689453,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4325226843357086},{"word":"way","start":431.06497,"end":431.305,"confidence":0.38842773,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.4676053524017334},{"word":"into","start":431.305,"end":431.54498,"confidence":0.9921875,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.4705235958099365},{"word":"savings","start":431.54498,"end":432.04498,"confidence":0.94677734,"punctuated_word":"savings.","sentiment":"positive","sentiment_score":0.34169813990592957},{"word":"so","start":432.905,"end":433.305,"confidence":0.93603516,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5310288071632385},{"word":"the","start":433.305,"end":433.465,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6047676205635071},{"word":"amount","start":433.465,"end":433.865,"confidence":1.0,"punctuated_word":"amount","sentiment":"positive","sentiment_score":0.6081805229187012},{"word":"that","start":433.865,"end":434.10498,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6533518433570862},{"word":"i've","start":434.10498,"end":434.50497,"confidence":0.99853516,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.6515780091285706},{"word":"pushed","start":434.50497,"end":434.82498,"confidence":0.99316406,"punctuated_word":"pushed","sentiment":"positive","sentiment_score":0.6849988698959351},{"word":"through","start":434.82498,"end":435.32498,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.5629337430000305},{"word":"won't","start":435.705,"end":436.10498,"confidence":0.99902344,"punctuated_word":"won't","sentiment":"positive","sentiment_score":0.4387773871421814},{"word":"affect","start":436.10498,"end":436.60498,"confidence":0.9970703,"punctuated_word":"affect","sentiment":"neutral","sentiment_score":0.27673694491386414},{"word":"what","start":437.3,"end":437.62,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.48514556884765625},{"word":"you're","start":437.62,"end":437.78,"confidence":1.0,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5531495809555054},{"word":"currently","start":437.78,"end":438.02,"confidence":1.0,"punctuated_word":"currently","sentiment":"positive","sentiment_score":0.4611288905143738},{"word":"putting","start":438.02,"end":438.25998,"confidence":1.0,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.5469179153442383},{"word":"away","start":438.25998,"end":438.5,"confidence":0.79663086,"punctuated_word":"away,","sentiment":"positive","sentiment_score":0.5276925563812256},{"word":"and","start":438.5,"end":438.66,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.540452241897583},{"word":"it","start":438.66,"end":438.74,"confidence":0.96777344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5774403810501099},{"word":"means","start":438.74,"end":438.97998,"confidence":1.0,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.4755443334579468},{"word":"when","start":438.97998,"end":439.13998,"confidence":0.96875,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.6358626484870911},{"word":"you","start":439.13998,"end":439.3,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6322009563446045},{"word":"get","start":439.3,"end":439.38,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5878530144691467},{"word":"that","start":439.38,"end":439.53998,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6580607295036316},{"word":"lump","start":439.53998,"end":439.86,"confidence":1.0,"punctuated_word":"lump","sentiment":"positive","sentiment_score":0.5364893078804016},{"word":"sum","start":439.86,"end":440.36,"confidence":0.9980469,"punctuated_word":"sum","sentiment":"positive","sentiment_score":0.6660436987876892},{"word":"paid","start":440.41998,"end":440.74,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"positive","sentiment_score":0.626723051071167},{"word":"to","start":440.74,"end":440.97998,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6387110948562622},{"word":"you","start":440.97998,"end":441.47998,"confidence":0.99658203,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.6315253973007202},{"word":"you'll","start":441.53998,"end":441.78,"confidence":0.81469727,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.6627001166343689},{"word":"able","start":441.78,"end":442.02,"confidence":0.98828125,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.6804769039154053},{"word":"you're","start":442.09998,"end":442.25998,"confidence":0.9941406,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.6851792335510254},{"word":"able","start":442.25998,"end":442.5,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.6507297158241272},{"word":"to","start":442.5,"end":442.58,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6691893935203552},{"word":"just","start":442.58,"end":442.74,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5338078141212463},{"word":"put","start":442.74,"end":442.9,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.5432957410812378},{"word":"that","start":442.9,"end":443.06,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6085309386253357},{"word":"straight","start":443.06,"end":443.22,"confidence":1.0,"punctuated_word":"straight","sentiment":"positive","sentiment_score":0.48550042510032654},{"word":"into","start":443.22,"end":443.46,"confidence":0.99902344,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.5036770701408386},{"word":"your","start":443.46,"end":443.62,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5146774053573608},{"word":"savings","start":443.62,"end":444.02,"confidence":1.0,"punctuated_word":"savings","sentiment":"positive","sentiment_score":0.40042951703071594},{"word":"account","start":444.02,"end":444.52,"confidence":0.9995117,"punctuated_word":"account.","sentiment":"positive","sentiment_score":0.3655986785888672},{"word":"yes","start":454.605,"end":455.085,"confidence":0.9914551,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1139284074306488},{"word":"yeah","start":455.085,"end":455.585,"confidence":0.9890137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11968180537223816},{"word":"yes","start":474.13998,"end":474.38,"confidence":0.8132324,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07319193333387375},{"word":"so","start":474.38,"end":474.78,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06359505653381348},{"word":"the","start":474.78,"end":475.02,"confidence":0.9140625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0770801231265068},{"word":"your","start":475.18,"end":475.5,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08075454831123352},{"word":"the","start":475.58,"end":475.81998,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06289274245500565},{"word":"the","start":475.81998,"end":476.06,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07791392505168915},{"word":"ato","start":476.06,"end":476.46,"confidence":0.83968097,"punctuated_word":"ATO,","sentiment":"neutral","sentiment_score":0.06998596340417862},{"word":"when","start":476.46,"end":476.69998,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08583712577819824},{"word":"you","start":476.69998,"end":476.78,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09683386236429214},{"word":"submit","start":476.78,"end":477.09998,"confidence":0.99902344,"punctuated_word":"submit","sentiment":"neutral","sentiment_score":0.06249501556158066},{"word":"your","start":477.09998,"end":477.34,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07435184717178345},{"word":"tax","start":477.34,"end":477.58,"confidence":0.99121094,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.09314259886741638},{"word":"return","start":477.58,"end":477.97998,"confidence":0.99902344,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.08962056040763855},{"word":"the","start":477.97998,"end":478.22,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11109553277492525},{"word":"ato","start":478.22,"end":478.69998,"confidence":0.9970703,"punctuated_word":"ATO","sentiment":"neutral","sentiment_score":0.09318962693214417},{"word":"will","start":478.69998,"end":478.86,"confidence":0.984375,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1119907796382904},{"word":"pay","start":478.86,"end":479.09998,"confidence":0.9892578,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.06770653277635574},{"word":"you","start":479.09998,"end":479.34,"confidence":0.9790039,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10906932502985},{"word":"the","start":479.34,"end":479.41998,"confidence":0.9038086,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09594792872667313},{"word":"tax","start":479.41998,"end":479.715,"confidence":0.890625,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.10812242329120636},{"word":"back","start":479.875,"end":480.375,"confidence":0.8815918,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.04947987571358681},{"word":"because","start":480.915,"end":481.075,"confidence":0.3486328,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.030258994549512863},{"word":"it","start":481.075,"end":481.235,"confidence":0.68408203,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.026387803256511688},{"word":"basically","start":481.235,"end":481.735,"confidence":0.49853516,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.02012258768081665},{"word":"yeah","start":486.035,"end":486.435,"confidence":0.8059082,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04082917422056198},{"word":"yeah","start":486.435,"end":486.595,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04661937803030014},{"word":"the","start":486.595,"end":486.835,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.019636742770671844},{"word":"contributions","start":486.835,"end":487.315,"confidence":0.9316406,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.024030901491642},{"word":"stay","start":487.315,"end":487.475,"confidence":0.9941406,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.06857892870903015},{"word":"in","start":487.475,"end":487.635,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.026189833879470825},{"word":"the","start":487.635,"end":487.715,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03566650673747063},{"word":"super","start":487.715,"end":488.035,"confidence":0.85253906,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.060620516538619995},{"word":"funds","start":488.035,"end":488.195,"confidence":0.8796387,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.04572144150733948},{"word":"yeah","start":488.195,"end":488.35498,"confidence":0.94873047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04840181767940521},{"word":"they","start":488.35498,"end":488.51498,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.09820140898227692},{"word":"don't","start":488.51498,"end":488.755,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07552212476730347},{"word":"they","start":488.755,"end":488.915,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.10714557021856308},{"word":"don't","start":488.915,"end":489.155,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.10353954881429672},{"word":"come","start":489.155,"end":489.315,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.07226613163948059},{"word":"out","start":489.315,"end":489.815,"confidence":0.99902344,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.08608366549015045},{"word":"no","start":493.315,"end":493.815,"confidence":0.99316406,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09527790546417236},{"word":"yeah","start":494.74,"end":494.98,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015389605425298214},{"word":"what","start":494.98,"end":495.3,"confidence":0.9892578,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.020595552399754524},{"word":"you","start":495.3,"end":495.46,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0091319028288126},{"word":"what","start":495.46,"end":495.69998,"confidence":0.984375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.008082078769803047},{"word":"you","start":495.69998,"end":495.86,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005801830440759659},{"word":"get","start":495.86,"end":496.02,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0025649629533290863},{"word":"what","start":496.02,"end":496.26,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01143120788037777},{"word":"you","start":496.26,"end":496.34,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03449981287121773},{"word":"get","start":496.34,"end":496.66,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.01621965691447258},{"word":"paid","start":496.66,"end":496.98,"confidence":0.9970703,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.07965036481618881},{"word":"back","start":496.98,"end":497.22,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.07184137403964996},{"word":"is","start":497.22,"end":497.54,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04085804522037506},{"word":"is","start":497.54,"end":497.78,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03859657049179077},{"word":"the","start":497.78,"end":497.94,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.047098878771066666},{"word":"ato","start":497.94,"end":498.44,"confidence":0.90315753,"punctuated_word":"ATO,","sentiment":"neutral","sentiment_score":0.0429544672369957},{"word":"basically","start":498.5,"end":499.0,"confidence":0.9926758,"punctuated_word":"basically.","sentiment":"neutral","sentiment_score":0.03414168208837509},{"word":"basically","start":499.06,"end":499.56,"confidence":0.99316406,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.04929753765463829},{"word":"what","start":499.62,"end":499.78,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06990064680576324},{"word":"happens","start":499.78,"end":500.28,"confidence":1.0,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.05563536286354065},{"word":"is","start":500.34,"end":500.58,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05119135603308678},{"word":"you","start":500.58,"end":500.9,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06577318161725998},{"word":"are","start":500.9,"end":501.13998,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05814503878355026},{"word":"submitting","start":501.13998,"end":501.63998,"confidence":1.0,"punctuated_word":"submitting","sentiment":"neutral","sentiment_score":0.05343439802527428},{"word":"a","start":501.69998,"end":501.86,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05814407020807266},{"word":"$10,400","start":501.86,"end":504.04,"confidence":0.9958496,"punctuated_word":"$10,400","sentiment":"neutral","sentiment_score":0.05225197970867157},{"word":"deduction","start":504.41998,"end":504.91998,"confidence":1.0,"punctuated_word":"deduction","sentiment":"neutral","sentiment_score":0.10032903403043748},{"word":"to","start":504.97998,"end":505.13998,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0782860517501831},{"word":"your","start":505.13998,"end":505.3,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06374593079090118},{"word":"income","start":505.3,"end":505.8,"confidence":0.9550781,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.06819063425064087},{"word":"essentially","start":506.1,"end":506.6,"confidence":0.9926758,"punctuated_word":"essentially.","sentiment":"neutral","sentiment_score":0.06148554012179375},{"word":"so","start":506.66,"end":506.82,"confidence":0.83203125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.100250244140625},{"word":"when","start":506.82,"end":506.97998,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1312585026025772},{"word":"i","start":506.97998,"end":507.13998,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12593945860862732},{"word":"submit","start":507.13998,"end":507.63998,"confidence":1.0,"punctuated_word":"submit","sentiment":"neutral","sentiment_score":0.10665281116962431},{"word":"that","start":507.94,"end":508.18,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16013406217098236},{"word":"form","start":508.18,"end":508.68,"confidence":0.99902344,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.1186564713716507},{"word":"to","start":509.785,"end":509.945,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13823747634887695},{"word":"the","start":509.945,"end":510.185,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12465814501047134},{"word":"fund","start":510.185,"end":510.685,"confidence":0.9946289,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.11529138684272766},{"word":"you","start":510.905,"end":511.145,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12923261523246765},{"word":"end","start":511.145,"end":511.385,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.16569268703460693},{"word":"up","start":511.385,"end":511.545,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1334443837404251},{"word":"just","start":511.545,"end":511.785,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16896161437034607},{"word":"getting","start":511.785,"end":512.025,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.17202599346637726},{"word":"a","start":512.025,"end":512.185,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18768665194511416},{"word":"$10,400","start":512.185,"end":513.565,"confidence":0.99316406,"punctuated_word":"$10,400","sentiment":"neutral","sentiment_score":0.1732967346906662},{"word":"deduction","start":513.705,"end":514.185,"confidence":0.9536133,"punctuated_word":"deduction.","sentiment":"neutral","sentiment_score":0.17201319336891174},{"word":"so","start":514.185,"end":514.425,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18176020681858063},{"word":"it's","start":514.425,"end":514.585,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.19882386922836304},{"word":"like","start":514.585,"end":514.825,"confidence":0.93359375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1981945037841797},{"word":"you","start":514.825,"end":514.905,"confidence":0.9770508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25724777579307556},{"word":"have","start":514.905,"end":515.145,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.26070886850357056},{"word":"$10,000","start":515.145,"end":516.105,"confidence":0.9995117,"punctuated_word":"$10,000","sentiment":"neutral","sentiment_score":0.27896347641944885},{"word":"worth","start":516.105,"end":516.345,"confidence":0.8691406,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.2341768592596054},{"word":"of","start":516.345,"end":516.845,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26672279834747314},{"word":"claimables","start":517.865,"end":518.365,"confidence":0.98950195,"punctuated_word":"claimables","sentiment":"neutral","sentiment_score":0.257441908121109},{"word":"that","start":518.745,"end":518.905,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2911507785320282},{"word":"you're","start":518.905,"end":519.065,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2445157021284103},{"word":"able","start":519.065,"end":519.305,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.24555976688861847},{"word":"to","start":519.305,"end":519.385,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24966128170490265},{"word":"claim","start":519.385,"end":519.625,"confidence":1.0,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.21132060885429385},{"word":"on","start":519.625,"end":519.705,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1978708952665329},{"word":"your","start":519.705,"end":519.865,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1953389048576355},{"word":"income","start":519.865,"end":520.185,"confidence":0.99560547,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.14289270341396332},{"word":"so","start":520.185,"end":520.345,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1033242717385292},{"word":"when","start":520.345,"end":520.585,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.12117954343557358},{"word":"you","start":520.585,"end":520.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12816831469535828},{"word":"submit","start":520.745,"end":521.065,"confidence":1.0,"punctuated_word":"submit","sentiment":"neutral","sentiment_score":0.10901834815740584},{"word":"your","start":521.065,"end":521.225,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1014479473233223},{"word":"tax","start":521.225,"end":521.465,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.13246271014213562},{"word":"return","start":521.465,"end":521.865,"confidence":0.94628906,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.09787903726100922},{"word":"you","start":521.865,"end":522.025,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07184702157974243},{"word":"know","start":522.025,"end":522.185,"confidence":0.9284668,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0702304095029831},{"word":"how","start":522.185,"end":522.345,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.07424193620681763},{"word":"when","start":522.425,"end":522.585,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.09711252897977828},{"word":"you","start":522.585,"end":522.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10383344441652298},{"word":"do","start":522.745,"end":522.825,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09439685195684432},{"word":"your","start":522.825,"end":522.905,"confidence":0.95703125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10694985091686247},{"word":"tax","start":522.905,"end":523.145,"confidence":0.7331543,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.09814417362213136},{"word":"you're","start":523.145,"end":523.305,"confidence":0.85131836,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06371983140707016},{"word":"trying","start":523.305,"end":523.545,"confidence":0.99609375,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.0634477287530899},{"word":"to","start":523.545,"end":523.625,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05940333753824234},{"word":"ask","start":523.625,"end":524.01,"confidence":0.96850586,"punctuated_word":"ask,","sentiment":"neutral","sentiment_score":0.03541249781847},{"word":"you","start":524.17,"end":524.33,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02553015947341919},{"word":"know","start":524.33,"end":524.41003,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03420932590961456},{"word":"do","start":524.41003,"end":524.49,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03276049345731735},{"word":"you","start":524.49,"end":524.57,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027149412781000137},{"word":"have","start":524.57,"end":524.73,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02375822886824608},{"word":"any","start":524.73,"end":524.97003,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.02664385363459587},{"word":"laundry","start":524.97003,"end":525.29004,"confidence":0.99609375,"punctuated_word":"laundry","sentiment":"neutral","sentiment_score":0.022823594510555267},{"word":"to","start":525.29004,"end":525.37,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.024941354990005493},{"word":"claim","start":525.37,"end":525.69,"confidence":0.87719727,"punctuated_word":"claim?","sentiment":"neutral","sentiment_score":0.034246452152729034},{"word":"do","start":525.69,"end":525.77,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.006509983912110329},{"word":"you","start":525.77,"end":525.85004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017154008150100708},{"word":"have","start":525.85004,"end":526.01,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.011525657027959824},{"word":"any","start":526.01,"end":526.51,"confidence":0.9980469,"punctuated_word":"any,","sentiment":"neutral","sentiment_score":0.008338263258337975},{"word":"you","start":527.05,"end":527.21,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01071176677942276},{"word":"know","start":527.21,"end":527.53,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.010152267292141914},{"word":"electricity","start":527.53,"end":528.01,"confidence":1.0,"punctuated_word":"electricity","sentiment":"neutral","sentiment_score":0.017355216667056084},{"word":"or","start":528.01,"end":528.25,"confidence":0.9277344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.009244952350854874},{"word":"consumables","start":528.25,"end":528.73,"confidence":0.99902344,"punctuated_word":"consumables","sentiment":"neutral","sentiment_score":0.01975201442837715},{"word":"or","start":528.73,"end":528.89,"confidence":0.98291016,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.005490899085998535},{"word":"anything","start":528.89,"end":529.39,"confidence":0.7180176,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":0.009108619764447212},{"word":"travel","start":529.61,"end":530.11,"confidence":1.0,"punctuated_word":"travel","sentiment":"neutral","sentiment_score":0.023200370371341705},{"word":"that","start":530.17,"end":530.33,"confidence":0.78271484,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.015774115920066833},{"word":"you've","start":530.33,"end":530.57,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.022141573950648308},{"word":"used","start":530.57,"end":530.97003,"confidence":0.96655273,"punctuated_word":"used?","sentiment":"neutral","sentiment_score":0.02533440664410591},{"word":"this","start":530.97003,"end":531.21,"confidence":0.99902344,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.02400451898574829},{"word":"is","start":531.21,"end":531.37,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.013213250786066055},{"word":"basically","start":531.37,"end":531.77,"confidence":0.7714844,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.025814238935709},{"word":"like","start":531.77,"end":531.93,"confidence":0.99194336,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02593160420656204},{"word":"an","start":531.93,"end":532.17,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.043720342218875885},{"word":"extra","start":532.17,"end":532.67,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.05778554826974869},{"word":"extra","start":532.97003,"end":533.45,"confidence":0.9301758,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.0656614601612091},{"word":"little","start":533.45,"end":533.85004,"confidence":0.99316406,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.09096523374319077},{"word":"item","start":533.85004,"end":534.17,"confidence":1.0,"punctuated_word":"item","sentiment":"neutral","sentiment_score":0.06432405859231949},{"word":"that","start":534.17,"end":534.33,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05991370230913162},{"word":"you","start":534.33,"end":534.73,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05133096128702164},{"word":"are","start":534.73,"end":535.05,"confidence":0.9614258,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06774234771728516},{"word":"submitting","start":535.05,"end":535.53,"confidence":1.0,"punctuated_word":"submitting","sentiment":"neutral","sentiment_score":0.05813661962747574},{"word":"as","start":535.53,"end":535.69,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.037765976041555405},{"word":"a","start":535.69,"end":535.85004,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04478651285171509},{"word":"claimable","start":535.85004,"end":536.35004,"confidence":0.9954427,"punctuated_word":"claimable.","sentiment":"neutral","sentiment_score":0.056173067539930344},{"word":"yeah","start":538.865,"end":539.365,"confidence":0.97143555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08802852034568787},{"word":"four","start":546.385,"end":546.625,"confidence":0.9980469,"punctuated_word":"Four","sentiment":"neutral","sentiment_score":0.0105968015268445},{"word":"thousand","start":546.625,"end":547.025,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.014255024492740633},{"word":"fifty","start":547.025,"end":547.34503,"confidence":0.9970703,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.009011533111333849},{"word":"6","start":547.34503,"end":547.84503,"confidence":0.9975586,"punctuated_word":"6.","sentiment":"neutral","sentiment_score":0.009660094976425173},{"word":"no","start":561.305,"end":561.545,"confidence":0.8071289,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.051633089780807495},{"word":"so","start":561.545,"end":561.865,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03962847962975502},{"word":"there's","start":561.865,"end":562.34503,"confidence":0.95825195,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.027256406843662265},{"word":"two","start":562.34503,"end":562.505,"confidence":0.99609375,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.04318726807832718},{"word":"there's","start":562.505,"end":562.905,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.016516732051968575},{"word":"two","start":562.905,"end":563.065,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.027807241305708885},{"word":"documents","start":563.065,"end":563.565,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":-0.0457802414894104},{"word":"in","start":563.705,"end":564.205,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.029660312458872795},{"word":"like","start":564.665,"end":564.905,"confidence":0.69677734,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.024610750377178192},{"word":"oh","start":564.905,"end":565.065,"confidence":0.8220215,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.008329042233526707},{"word":"well","start":565.065,"end":565.305,"confidence":0.81811523,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.01425589993596077},{"word":"there's","start":565.305,"end":565.385,"confidence":0.90478516,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.01368914358317852},{"word":"there's","start":565.385,"end":565.78503,"confidence":0.9638672,"punctuated_word":"there's,","sentiment":"neutral","sentiment_score":-0.020332403481006622},{"word":"i","start":565.78503,"end":565.865,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0268409326672554},{"word":"guess","start":565.865,"end":566.265,"confidence":0.9980469,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.023032598197460175},{"word":"two","start":566.265,"end":566.505,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.036746736615896225},{"word":"documents","start":566.505,"end":566.985,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":-0.0323183611035347},{"word":"that","start":566.985,"end":567.145,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.016654059290885925},{"word":"i've","start":567.145,"end":567.305,"confidence":0.98339844,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.02106698974967003},{"word":"sent","start":567.305,"end":567.625,"confidence":0.9941406,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":-0.024953259155154228},{"word":"through","start":567.625,"end":568.025,"confidence":0.99853516,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.031418465077877045},{"word":"one's","start":568.025,"end":568.34503,"confidence":0.88549805,"punctuated_word":"One's","sentiment":"neutral","sentiment_score":-0.003767163958400488},{"word":"a","start":568.34503,"end":568.505,"confidence":0.7294922,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.005053259432315826},{"word":"statement","start":568.505,"end":568.825,"confidence":0.99902344,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.0001212097704410553},{"word":"of","start":568.825,"end":568.905,"confidence":0.6298828,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0015418864786624908},{"word":"advice","start":568.905,"end":569.225,"confidence":0.8503418,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":-0.006905326619744301},{"word":"the","start":569.225,"end":569.385,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0020125769078731537},{"word":"other","start":569.385,"end":569.625,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.014532282948493958},{"word":"one","start":569.625,"end":569.865,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.008229464292526245},{"word":"is","start":569.865,"end":570.365,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0098906047642231},{"word":"the","start":570.585,"end":570.825,"confidence":0.9536133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004598576575517654},{"word":"appendix","start":570.825,"end":571.325,"confidence":0.9758301,"punctuated_word":"appendix,","sentiment":"neutral","sentiment_score":-0.023182664066553116},{"word":"which","start":572.34503,"end":572.585,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.027843602001667023},{"word":"i","start":572.585,"end":572.745,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01686197891831398},{"word":"just","start":572.745,"end":572.905,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0228235125541687},{"word":"closed","start":572.905,"end":573.36,"confidence":0.8598633,"punctuated_word":"closed.","sentiment":"neutral","sentiment_score":-0.022317269816994667},{"word":"but","start":573.76,"end":573.83997,"confidence":0.8613281,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.001340951770544052},{"word":"the","start":573.83997,"end":574.0,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007172718644142151},{"word":"other","start":574.0,"end":574.16,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.0023550838232040405},{"word":"one","start":574.16,"end":574.32,"confidence":0.9941406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.00007468834519386292},{"word":"is","start":574.32,"end":574.48,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.001453235745429993},{"word":"the","start":574.48,"end":574.72,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0035404711961746216},{"word":"appendix","start":574.72,"end":575.2,"confidence":0.75,"punctuated_word":"appendix,","sentiment":"neutral","sentiment_score":-0.0059076533652842045},{"word":"and","start":575.2,"end":575.36,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0031415335834026337},{"word":"what","start":575.36,"end":575.6,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.01221724972128868},{"word":"the","start":575.6,"end":575.76,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007270842790603638},{"word":"appendix","start":575.76,"end":576.16,"confidence":1.0,"punctuated_word":"appendix","sentiment":"neutral","sentiment_score":-0.0019781652372330427},{"word":"has","start":576.16,"end":576.39996,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.0006486214697360992},{"word":"is","start":576.39996,"end":576.56,"confidence":0.9716797,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00342719629406929},{"word":"it","start":576.56,"end":576.64,"confidence":0.9819336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.004731714725494385},{"word":"has","start":576.64,"end":576.95996,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.02199624106287956},{"word":"a","start":576.95996,"end":577.04,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01795971766114235},{"word":"couple","start":577.04,"end":577.2,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.029694069176912308},{"word":"other","start":577.2,"end":577.6,"confidence":0.65625,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.03707553818821907},{"word":"other","start":577.6,"end":578.0,"confidence":0.9658203,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.035648271441459656},{"word":"considerations","start":578.0,"end":578.5,"confidence":0.9941406,"punctuated_word":"considerations","sentiment":"neutral","sentiment_score":-0.03181660920381546},{"word":"for","start":579.36,"end":579.86,"confidence":0.9873047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06000345945358277},{"word":"casper","start":580.07996,"end":580.48,"confidence":0.8688965,"punctuated_word":"Casper","sentiment":"neutral","sentiment_score":-0.05645562708377838},{"word":"to","start":580.48,"end":580.56,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.017021484673023224},{"word":"look","start":580.56,"end":580.8,"confidence":0.99609375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.012985330075025558},{"word":"at","start":580.8,"end":581.3,"confidence":0.98461914,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":-0.017871148884296417},{"word":"one","start":581.51996,"end":581.83997,"confidence":0.9873047,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.003206208348274231},{"word":"was","start":581.83997,"end":582.07996,"confidence":0.98291016,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.008767103776335716},{"word":"three","start":582.07996,"end":582.32,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.01525675505399704},{"word":"100","start":582.32,"end":582.64,"confidence":1.0,"punctuated_word":"100","sentiment":"neutral","sentiment_score":-0.0016586892306804657},{"word":"and","start":582.64,"end":582.8,"confidence":0.69921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.007221710868179798},{"word":"one","start":582.8,"end":583.04,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.016465406864881516},{"word":"was","start":583.04,"end":583.44,"confidence":0.9741211,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.012297102250158789},{"word":"500","start":583.44,"end":584.18,"confidence":0.9992676,"punctuated_word":"500.","sentiment":"neutral","sentiment_score":0.0005531818605959415},{"word":"the","start":586.56,"end":586.8,"confidence":0.99121094,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.14754125475883484},{"word":"300","start":586.8,"end":587.54,"confidence":1.0,"punctuated_word":"300","sentiment":"neutral","sentiment_score":0.1289706826210022},{"word":"per","start":587.83997,"end":588.0,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.10021059960126875},{"word":"fortnight","start":588.0,"end":588.5,"confidence":0.99902344,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.1066230982542038},{"word":"didn't","start":589.325,"end":589.645,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.005561652593314648},{"word":"really","start":589.645,"end":589.805,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.0628095418214798},{"word":"work","start":589.805,"end":590.04504,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.03213626146316528},{"word":"out","start":590.04504,"end":590.28503,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09627987444400787},{"word":"that","start":590.28503,"end":590.525,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0020604729652404785},{"word":"like","start":590.685,"end":590.84503,"confidence":0.97998047,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07154529541730881},{"word":"it","start":590.84503,"end":591.085,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1374529004096985},{"word":"it","start":591.085,"end":591.16504,"confidence":0.95166016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1257428526878357},{"word":"it","start":591.16504,"end":591.245,"confidence":0.6850586,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17509505152702332},{"word":"was","start":591.245,"end":591.485,"confidence":0.9838867,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.10476424545049667},{"word":"it","start":591.485,"end":591.565,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2815602719783783},{"word":"was","start":591.565,"end":591.72504,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.3361218571662903},{"word":"great","start":591.72504,"end":591.965,"confidence":0.8691406,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.39095592498779297},{"word":"don't","start":591.965,"end":592.125,"confidence":0.99902344,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.03674399480223656},{"word":"be","start":592.125,"end":592.625,"confidence":0.63916016,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0488542914390564},{"word":"wrong","start":593.005,"end":593.245,"confidence":0.734375,"punctuated_word":"wrong,","sentiment":"neutral","sentiment_score":-0.08430339395999908},{"word":"but","start":593.245,"end":593.405,"confidence":0.9291992,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.18439918756484985},{"word":"it","start":593.405,"end":593.485,"confidence":0.9526367,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.37042665481567383},{"word":"didn't","start":593.485,"end":593.72504,"confidence":0.9995117,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.2855062484741211},{"word":"work","start":593.72504,"end":593.965,"confidence":0.9980469,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.15300889313220978},{"word":"out","start":593.965,"end":594.125,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.02376417815685272},{"word":"as","start":594.125,"end":594.445,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03300127387046814},{"word":"great","start":594.445,"end":594.945,"confidence":0.9838867,"punctuated_word":"great.","sentiment":"neutral","sentiment_score":0.01102454960346222},{"word":"and","start":595.245,"end":595.485,"confidence":0.9550781,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1118241548538208},{"word":"the","start":595.485,"end":595.72504,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08480792492628098},{"word":"500","start":595.72504,"end":596.54504,"confidence":1.0,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.050022900104522705},{"word":"a","start":596.60504,"end":596.765,"confidence":0.94970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07628314942121506},{"word":"fortnight","start":596.765,"end":597.265,"confidence":0.9880371,"punctuated_word":"fortnight,","sentiment":"neutral","sentiment_score":0.03147885948419571},{"word":"there's","start":597.72504,"end":597.965,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.060578033328056335},{"word":"a","start":597.965,"end":598.125,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04223703220486641},{"word":"couple","start":598.125,"end":598.365,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.05741750448942184},{"word":"of","start":598.365,"end":598.525,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04229220002889633},{"word":"considerations","start":598.525,"end":599.025,"confidence":0.99902344,"punctuated_word":"considerations","sentiment":"neutral","sentiment_score":0.03975099325180054},{"word":"that","start":599.085,"end":599.325,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07138371467590332},{"word":"you","start":599.325,"end":599.485,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04438835382461548},{"word":"do","start":599.485,"end":599.645,"confidence":0.89746094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.029894106090068817},{"word":"like","start":599.72504,"end":599.885,"confidence":0.98950195,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03756926581263542},{"word":"that","start":599.885,"end":600.04504,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03655586391687393},{"word":"need","start":600.04504,"end":600.28503,"confidence":0.9472656,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.05873537063598633},{"word":"to","start":600.28503,"end":600.445,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03162621706724167},{"word":"be","start":600.445,"end":600.60504,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03541519492864609},{"word":"made","start":600.60504,"end":601.02,"confidence":0.8623047,"punctuated_word":"made,","sentiment":"neutral","sentiment_score":0.05022655799984932},{"word":"and","start":601.26,"end":601.5,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03782761096954346},{"word":"that","start":601.5,"end":602.0,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02747182548046112},{"word":"is","start":603.66003,"end":603.82,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13714838027954102},{"word":"correct","start":603.82,"end":604.14,"confidence":0.99609375,"punctuated_word":"correct","sentiment":"neutral","sentiment_score":0.2377637624740601},{"word":"that","start":604.14,"end":604.30005,"confidence":0.97998047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20142433047294617},{"word":"you've","start":604.30005,"end":604.54004,"confidence":0.76342773,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.11617514491081238},{"word":"reached","start":604.54004,"end":604.78,"confidence":0.8276367,"punctuated_word":"reached","sentiment":"neutral","sentiment_score":0.07175327837467194},{"word":"the","start":604.78,"end":604.86005,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04241985082626343},{"word":"concessional","start":604.86005,"end":605.36005,"confidence":0.99658203,"punctuated_word":"concessional","sentiment":"neutral","sentiment_score":0.03653533011674881},{"word":"cap","start":605.42004,"end":605.92004,"confidence":0.9951172,"punctuated_word":"cap.","sentiment":"neutral","sentiment_score":0.06533157825469971},{"word":"however","start":606.30005,"end":606.80005,"confidence":0.90112305,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.15395639836788175},{"word":"casper","start":607.66003,"end":608.06,"confidence":0.96606445,"punctuated_word":"Casper","sentiment":"neutral","sentiment_score":0.19554319977760315},{"word":"has","start":608.06,"end":608.22003,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.22273705899715424},{"word":"enough","start":608.22003,"end":608.54004,"confidence":1.0,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.21488557755947113},{"word":"room","start":608.54004,"end":608.78,"confidence":1.0,"punctuated_word":"room","sentiment":"neutral","sentiment_score":0.2562848925590515},{"word":"that","start":608.78,"end":608.94,"confidence":0.9951172,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3596278429031372},{"word":"he","start":608.94,"end":609.02,"confidence":1.0,"punctuated_word":"he","sentiment":"positive","sentiment_score":0.3622204065322876},{"word":"is","start":609.02,"end":609.18,"confidence":0.984375,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3510192036628723},{"word":"actually","start":609.18,"end":609.5,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.3872322142124176},{"word":"able","start":609.5,"end":609.82,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.3173781931400299},{"word":"to","start":609.82,"end":609.98004,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2717869281768799},{"word":"look","start":609.98004,"end":610.46,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.21652013063430783},{"word":"back","start":610.46,"end":610.96,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2388635277748108},{"word":"and","start":611.02,"end":611.52,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16879180073738098},{"word":"take","start":611.66003,"end":612.06,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.26420849561691284},{"word":"from","start":612.06,"end":612.46,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.13961094617843628},{"word":"unused","start":612.46,"end":612.96,"confidence":1.0,"punctuated_word":"unused","sentiment":"neutral","sentiment_score":0.10213049501180647},{"word":"caps","start":613.02,"end":613.42004,"confidence":0.9902344,"punctuated_word":"caps","sentiment":"neutral","sentiment_score":0.04714876413345337},{"word":"over","start":613.42004,"end":613.66003,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.23189924657344815},{"word":"the","start":613.66003,"end":613.82,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.205229714512825},{"word":"previous","start":613.82,"end":614.32,"confidence":1.0,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":0.14608827233314514},{"word":"years","start":614.38,"end":614.88,"confidence":0.8322754,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.1582413911819458},{"word":"so","start":616.655,"end":616.815,"confidence":0.91845703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23485852777957916},{"word":"it's","start":616.815,"end":617.135,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2338319718837738},{"word":"not","start":617.135,"end":617.295,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.19838987290859225},{"word":"going","start":617.295,"end":617.53503,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2040301412343979},{"word":"to","start":617.53503,"end":617.695,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1708672195672989},{"word":"affect","start":617.695,"end":618.015,"confidence":0.9980469,"punctuated_word":"affect","sentiment":"neutral","sentiment_score":0.03273975849151611},{"word":"him","start":618.015,"end":618.255,"confidence":0.9970703,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.16801196336746216},{"word":"tax","start":618.255,"end":618.41504,"confidence":0.97998047,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.17361991107463837},{"word":"wise","start":618.41504,"end":618.735,"confidence":0.9194336,"punctuated_word":"wise.","sentiment":"neutral","sentiment_score":0.1172676533460617},{"word":"it's","start":618.735,"end":618.895,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.29651182889938354},{"word":"not","start":618.895,"end":618.97504,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.21619471907615664},{"word":"going","start":618.97504,"end":619.215,"confidence":0.9980469,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.13621899485588074},{"word":"to","start":619.215,"end":619.295,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.029689818620681763},{"word":"breach","start":619.295,"end":619.615,"confidence":0.9941406,"punctuated_word":"breach","sentiment":"neutral","sentiment_score":-0.029534175992012024},{"word":"anything","start":619.615,"end":619.855,"confidence":0.8898926,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":0.15128102898597717},{"word":"and","start":619.855,"end":620.015,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2672993838787079},{"word":"he's","start":620.015,"end":620.255,"confidence":0.9975586,"punctuated_word":"he's","sentiment":"positive","sentiment_score":0.3592793345451355},{"word":"going","start":620.255,"end":620.495,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4329477548599243},{"word":"to","start":620.495,"end":620.575,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4868740439414978},{"word":"have","start":620.575,"end":620.815,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.30786263942718506},{"word":"he","start":621.055,"end":621.215,"confidence":1.0,"punctuated_word":"he","sentiment":"positive","sentiment_score":0.3421657681465149},{"word":"has","start":621.215,"end":621.375,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.3181000053882599},{"word":"the","start":621.375,"end":621.615,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32971999049186707},{"word":"capacity","start":621.615,"end":622.015,"confidence":1.0,"punctuated_word":"capacity","sentiment":"positive","sentiment_score":0.3740679621696472},{"word":"to","start":622.015,"end":622.175,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3885940909385681},{"word":"be","start":622.175,"end":622.255,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3436671495437622},{"word":"able","start":622.255,"end":622.495,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.38706427812576294},{"word":"to","start":622.495,"end":622.655,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4710771441459656},{"word":"do","start":622.655,"end":623.155,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3253077566623688},{"word":"the","start":623.295,"end":623.455,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3022746741771698},{"word":"500","start":623.455,"end":624.195,"confidence":0.9987793,"punctuated_word":"500.","sentiment":"neutral","sentiment_score":0.2944861054420471},{"word":"we","start":624.575,"end":624.735,"confidence":0.97265625,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.15362757444381714},{"word":"just","start":624.735,"end":624.97504,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1268889307975769},{"word":"have","start":624.97504,"end":625.055,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12288916856050491},{"word":"to","start":625.055,"end":625.215,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14279136061668396},{"word":"keep","start":625.215,"end":625.375,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.10670048743486404},{"word":"a","start":625.375,"end":625.695,"confidence":0.9667969,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1828676164150238},{"word":"close","start":625.695,"end":625.935,"confidence":0.9980469,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.1312098503112793},{"word":"eye","start":625.935,"end":626.175,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.09863175451755524},{"word":"on","start":626.175,"end":626.41504,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1393633782863617},{"word":"it","start":626.41504,"end":626.735,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16451029479503632},{"word":"over","start":626.735,"end":627.135,"confidence":0.77441406,"punctuated_word":"over,","sentiment":"neutral","sentiment_score":0.13842540979385376},{"word":"like","start":627.135,"end":627.375,"confidence":0.96972656,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1140093207359314},{"word":"within","start":627.375,"end":627.695,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.10766883194446564},{"word":"the","start":627.695,"end":627.855,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1189027577638626},{"word":"next","start":627.855,"end":628.09503,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.10797225683927536},{"word":"five","start":628.09503,"end":628.335,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.11960376054048538},{"word":"years","start":628.335,"end":628.77,"confidence":0.78930664,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.08393809199333191},{"word":"but","start":628.85004,"end":628.93,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.09910617768764496},{"word":"it's","start":628.93,"end":629.17004,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04870833083987236},{"word":"not","start":629.17004,"end":629.67004,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.017585091292858124},{"word":"drastically","start":630.45,"end":630.93,"confidence":1.0,"punctuated_word":"drastically","sentiment":"neutral","sentiment_score":-0.2176620364189148},{"word":"bad","start":630.93,"end":631.17004,"confidence":0.9682617,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":-0.1595992147922516},{"word":"like","start":631.17004,"end":631.33,"confidence":0.9914551,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.06443889439105988},{"word":"it's","start":631.33,"end":631.41003,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.12771204113960266},{"word":"not","start":631.41003,"end":631.65,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.16650161147117615},{"word":"an","start":631.65,"end":631.89,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09833899140357973},{"word":"issue","start":631.89,"end":632.39,"confidence":0.9880371,"punctuated_word":"issue.","sentiment":"neutral","sentiment_score":-0.002531804144382477},{"word":"it's","start":632.45,"end":632.61005,"confidence":0.9980469,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07053612172603607},{"word":"just","start":632.61005,"end":632.85004,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02599334716796875},{"word":"in","start":632.85004,"end":633.09,"confidence":0.96875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08120648562908173},{"word":"five","start":633.09,"end":633.25,"confidence":0.99609375,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.014155052602291107},{"word":"years'","start":633.25,"end":633.57,"confidence":0.7753906,"punctuated_word":"years'","sentiment":"neutral","sentiment_score":0.01733454316854477},{"word":"time","start":633.57,"end":633.97003,"confidence":0.95874023,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.04357331246137619},{"word":"we're","start":633.97003,"end":634.29004,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.010723395273089407},{"word":"gonna","start":634.29004,"end":634.53,"confidence":1.0,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.03676546737551689},{"word":"have","start":634.53,"end":634.65,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06802338361740112},{"word":"to","start":634.65,"end":634.77,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02854149788618088},{"word":"make","start":634.77,"end":634.93,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.022617660462856293},{"word":"sure","start":634.93,"end":635.09,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.015873678028583527},{"word":"that","start":635.09,"end":635.25,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.014892630279064178},{"word":"we're","start":635.25,"end":635.49,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.004207459744066},{"word":"definitely","start":635.49,"end":635.99,"confidence":0.9980469,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.011273786425590515},{"word":"a","start":636.53,"end":636.69,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02361130341887474},{"word":"little","start":636.69,"end":637.01,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.006035268306732178},{"word":"bit","start":637.01,"end":637.51,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.017713986337184906},{"word":"more","start":637.57,"end":638.05005,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.032003846019506454},{"word":"strict","start":638.05005,"end":638.55005,"confidence":0.9995117,"punctuated_word":"strict.","sentiment":"neutral","sentiment_score":-0.007257252931594849},{"word":"yeah","start":639.33,"end":639.73004,"confidence":0.8552246,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04443163424730301},{"word":"yeah","start":639.73004,"end":640.23004,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.047764744609594345},{"word":"now","start":647.935,"end":648.09503,"confidence":0.47265625,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.011715367436408997},{"word":"you're","start":648.09503,"end":648.255,"confidence":0.99560547,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.011843870393931866},{"word":"testing","start":648.255,"end":648.575,"confidence":1.0,"punctuated_word":"testing","sentiment":"neutral","sentiment_score":0.04213300347328186},{"word":"me","start":648.575,"end":649.075,"confidence":0.9885254,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.018318096175789833},{"word":"i'm","start":651.29504,"end":651.53503,"confidence":0.9211426,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.005922363605350256},{"word":"just","start":651.53503,"end":651.775,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.009584404528141022},{"word":"gonna","start":651.775,"end":652.015,"confidence":1.0,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.018658533692359924},{"word":"have","start":652.015,"end":652.175,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.019335251301527023},{"word":"a","start":652.175,"end":652.255,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005136171355843544},{"word":"look","start":652.255,"end":652.755,"confidence":0.99902344,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.01260635256767273},{"word":"no","start":653.935,"end":654.435,"confidence":0.9797363,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.26085907220840454},{"word":"you're","start":655.29504,"end":655.615,"confidence":0.9655762,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.12891873717308044},{"word":"okay","start":655.615,"end":656.115,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.05140472203493118},{"word":"i","start":656.175,"end":656.41504,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1399836391210556},{"word":"will","start":656.41504,"end":656.575,"confidence":0.99316406,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.1410568356513977},{"word":"just","start":656.575,"end":656.94,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1283896416425705},{"word":"sorry","start":657.34,"end":657.74,"confidence":0.9951172,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.18359923362731936},{"word":"i","start":657.74,"end":657.82,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.25468868017196655},{"word":"stupidly","start":657.82,"end":658.3,"confidence":0.9741211,"punctuated_word":"stupidly","sentiment":"neutral","sentiment_score":-0.3214724063873291},{"word":"closed","start":658.3,"end":658.54,"confidence":0.9658203,"punctuated_word":"closed","sentiment":"neutral","sentiment_score":-0.23823441565036776},{"word":"the","start":658.54,"end":658.62,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2036665827035904},{"word":"document","start":658.62,"end":659.02,"confidence":0.9980469,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":-0.19256234169006348},{"word":"i","start":659.02,"end":659.18,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11580637097358704},{"word":"went","start":659.18,"end":659.34,"confidence":0.9951172,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.08212807774543762},{"word":"to","start":659.34,"end":659.5,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07089882344007492},{"word":"go","start":659.5,"end":659.58,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.05411537364125252},{"word":"and","start":659.58,"end":659.82,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05140732601284981},{"word":"swap","start":659.82,"end":660.14,"confidence":0.90478516,"punctuated_word":"swap","sentiment":"neutral","sentiment_score":-0.02553892321884632},{"word":"documents","start":660.14,"end":660.54,"confidence":0.9951172,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":-0.013661786913871763},{"word":"and","start":660.54,"end":660.78,"confidence":0.9506836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.014706574380397797},{"word":"press","start":660.78,"end":661.18,"confidence":0.7133789,"punctuated_word":"press","sentiment":"neutral","sentiment_score":-0.02501790225505829},{"word":"press","start":661.18,"end":661.5,"confidence":0.9526367,"punctuated_word":"press","sentiment":"neutral","sentiment_score":-0.02793826162815094},{"word":"the","start":661.5,"end":661.66,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.030275149270892143},{"word":"x","start":661.66,"end":661.82,"confidence":0.9970703,"punctuated_word":"x","sentiment":"neutral","sentiment_score":-0.01985708810389042},{"word":"instead","start":661.82,"end":662.06,"confidence":0.99902344,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":-0.04821696877479553},{"word":"of","start":662.06,"end":662.46,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04590005427598953},{"word":"the","start":662.46,"end":662.7,"confidence":0.9658203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.044553231447935104},{"word":"other","start":662.7,"end":662.94,"confidence":0.9970703,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.05347336456179619},{"word":"one","start":662.94,"end":663.44,"confidence":0.99560547,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.05128781497478485},{"word":"so","start":666.7,"end":667.1,"confidence":0.8178711,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.003904508426785469},{"word":"essentially","start":667.1,"end":667.6,"confidence":0.8215332,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.0012171132257208228},{"word":"500","start":671.505,"end":672.22504,"confidence":0.89660645,"punctuated_word":"500.","sentiment":"neutral","sentiment_score":0.030099239200353622},{"word":"so","start":672.22504,"end":672.465,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.023181281983852383},{"word":"500","start":672.465,"end":673.205,"confidence":0.8366089,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":0.029106417670845985},{"word":"instead","start":674.065,"end":674.385,"confidence":0.90527344,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":-0.016379892826080322},{"word":"of","start":674.385,"end":674.465,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.002580106258392334},{"word":"paying","start":674.465,"end":674.945,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.04957069456577301},{"word":"52","start":674.945,"end":677.585,"confidence":0.95874023,"punctuated_word":"52","sentiment":"neutral","sentiment_score":-0.024956870824098587},{"word":"in","start":677.585,"end":677.905,"confidence":0.9633789,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07803378999233246},{"word":"tax","start":677.905,"end":678.405,"confidence":0.9975586,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":-0.058756180107593536},{"word":"he'll","start":678.465,"end":678.78503,"confidence":0.9995117,"punctuated_word":"he'll","sentiment":"neutral","sentiment_score":-0.00985274277627468},{"word":"pay","start":678.78503,"end":679.185,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.03621681779623032},{"word":"$475.41","start":679.185,"end":681.28503,"confidence":0.9900716,"punctuated_word":"$475.41,","sentiment":"neutral","sentiment_score":-0.026810243725776672},{"word":"which","start":683.10504,"end":683.34503,"confidence":0.95947266,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.008721314370632172},{"word":"means","start":683.34503,"end":683.66504,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.03296060487627983},{"word":"it'll","start":683.66504,"end":683.825,"confidence":0.9892578,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.005107082426548004},{"word":"be","start":683.825,"end":683.985,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0273360013961792},{"word":"4.5","start":683.985,"end":684.75,"confidence":0.998291,"punctuated_word":"4.5","sentiment":"neutral","sentiment_score":-0.027796756476163864},{"word":"$450.09","start":685.23,"end":686.53,"confidence":0.99780273,"punctuated_word":"$450.09","sentiment":"neutral","sentiment_score":-0.03312079980969429},{"word":"in","start":687.39,"end":687.55,"confidence":0.7705078,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05724213644862175},{"word":"terms","start":687.55,"end":688.05,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.059053268283605576},{"word":"of","start":688.67,"end":688.91,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05260798707604408},{"word":"tax","start":688.91,"end":689.23,"confidence":0.98535156,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.07442466914653778},{"word":"back","start":689.23,"end":689.73,"confidence":0.88427734,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":-0.11559272557497025},{"word":"no","start":693.63,"end":694.13,"confidence":0.982666,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2175072878599167},{"word":"it's","start":695.07,"end":695.57,"confidence":0.9650879,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1959857791662216},{"word":"it's","start":695.79,"end":696.11,"confidence":0.982666,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2258319705724716},{"word":"because","start":696.11,"end":696.59,"confidence":0.9941406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1922721415758133},{"word":"it's","start":696.59,"end":696.83,"confidence":0.98999023,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2323703765869141},{"word":"in","start":696.83,"end":696.99,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2132101058959961},{"word":"the","start":696.99,"end":697.15,"confidence":0.69921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2134305089712143},{"word":"it","start":697.23,"end":697.39,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.24490758776664737},{"word":"still","start":697.39,"end":697.63,"confidence":0.9658203,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.24329599738121033},{"word":"keeps","start":697.63,"end":697.87,"confidence":0.99609375,"punctuated_word":"keeps","sentiment":"neutral","sentiment_score":-0.22669902443885803},{"word":"him","start":697.87,"end":698.11,"confidence":0.96972656,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.24779918789863584},{"word":"in","start":698.11,"end":698.19,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.23487511277198792},{"word":"the","start":698.19,"end":698.35,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.261837363243103},{"word":"same","start":698.35,"end":698.59,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.1998315453529358},{"word":"tax","start":698.59,"end":698.91,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.2755550146102905},{"word":"bracket","start":698.91,"end":699.41,"confidence":0.9309082,"punctuated_word":"bracket.","sentiment":"neutral","sentiment_score":-0.2612465023994446},{"word":"so","start":701.22504,"end":701.72504,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.048935335129499435},{"word":"casper","start":702.025,"end":702.505,"confidence":0.9753418,"punctuated_word":"Casper","sentiment":"neutral","sentiment_score":-0.27316802740097046},{"word":"doesn't","start":702.505,"end":702.825,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.25407958030700684},{"word":"drop","start":702.825,"end":703.065,"confidence":0.99902344,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.2426657676696777},{"word":"a","start":703.065,"end":703.145,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.28420937061309814},{"word":"tax","start":703.145,"end":703.385,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.25185325741767883},{"word":"bracket","start":703.385,"end":703.78503,"confidence":0.99902344,"punctuated_word":"bracket","sentiment":"neutral","sentiment_score":-0.24545960128307345},{"word":"by","start":703.78503,"end":703.945,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.2252027839422226},{"word":"doing","start":703.945,"end":704.265,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.206817165017128},{"word":"any","start":704.265,"end":704.505,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.18995600938796997},{"word":"of","start":704.505,"end":704.66504,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1807474046945572},{"word":"these","start":704.66504,"end":705.16504,"confidence":0.9970703,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.15910017490386963},{"word":"because","start":705.30505,"end":705.625,"confidence":0.82470703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1852116733789444},{"word":"he's","start":705.625,"end":705.78503,"confidence":1.0,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.2166442573070526},{"word":"on","start":705.78503,"end":706.025,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.206682026386261},{"word":"the","start":706.025,"end":706.185,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23927953839302063},{"word":"higher","start":706.185,"end":706.505,"confidence":0.9277344,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.2108231782913208},{"word":"side","start":706.505,"end":707.005,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.2089097946882248},{"word":"of","start":707.065,"end":707.565,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2412563264369965},{"word":"his","start":707.705,"end":708.10504,"confidence":1.0,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.31195569038391113},{"word":"current","start":708.10504,"end":708.505,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.28942811489105225},{"word":"tax","start":708.505,"end":708.825,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.23468653857707977},{"word":"bracket","start":708.825,"end":709.30505,"confidence":0.9785156,"punctuated_word":"bracket.","sentiment":"neutral","sentiment_score":-0.24657905101776123},{"word":"so","start":709.30505,"end":709.54504,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1866876482963562},{"word":"the","start":709.54504,"end":709.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23366457223892212},{"word":"tax","start":709.625,"end":709.86505,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.23010186851024628},{"word":"bracket","start":709.86505,"end":710.10504,"confidence":0.9980469,"punctuated_word":"bracket","sentiment":"neutral","sentiment_score":-0.2917107939720154},{"word":"that","start":710.10504,"end":710.265,"confidence":0.9760742,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1897147446870804},{"word":"casper's","start":710.265,"end":710.74506,"confidence":0.9350586,"punctuated_word":"Casper's","sentiment":"neutral","sentiment_score":-0.2479112297296524},{"word":"in","start":710.74506,"end":711.24506,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.15287499129772186},{"word":"is","start":711.30505,"end":711.54504,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.19019778072834015},{"word":"from","start":711.54504,"end":711.78503,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.17305296659469604},{"word":"135","start":711.78503,"end":713.22504,"confidence":0.9957031,"punctuated_word":"135","sentiment":"neutral","sentiment_score":-0.10003970563411713},{"word":"up","start":713.22504,"end":713.385,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.14025090634822843},{"word":"to","start":713.385,"end":713.54504,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14412613213062286},{"word":"a","start":713.54504,"end":713.705,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10108664631843568},{"word":"190","start":713.705,"end":714.765,"confidence":0.9611003,"punctuated_word":"190.","sentiment":"neutral","sentiment_score":-0.09494438022375108},{"word":"he's","start":715.04004,"end":715.2,"confidence":0.9699707,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":-0.14287196099758148},{"word":"sitting","start":715.2,"end":715.44,"confidence":0.32421875,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.1550835520029068},{"word":"sitting","start":715.44,"end":715.84,"confidence":0.7651367,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.1576625108718872},{"word":"at","start":715.84,"end":715.92004,"confidence":0.7104492,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.18859145045280457},{"word":"a","start":715.92004,"end":716.0,"confidence":0.8388672,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1782151162624359},{"word":"182,000","start":716.0,"end":717.30005,"confidence":0.9219238,"punctuated_word":"182,000,","sentiment":"neutral","sentiment_score":-0.10995091497898102},{"word":"so","start":717.68,"end":718.18,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.09270627051591872},{"word":"he's","start":718.32,"end":718.64,"confidence":0.99853516,"punctuated_word":"he's","sentiment":"negative","sentiment_score":-0.3946213722229004},{"word":"sitting","start":718.64,"end":719.04004,"confidence":1.0,"punctuated_word":"sitting","sentiment":"negative","sentiment_score":-0.3682975172996521},{"word":"really","start":719.04004,"end":719.36005,"confidence":1.0,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.4689329862594605},{"word":"high","start":719.36005,"end":719.60004,"confidence":1.0,"punctuated_word":"high","sentiment":"negative","sentiment_score":-0.390924870967865},{"word":"in","start":719.60004,"end":719.76,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4015035331249237},{"word":"that","start":719.76,"end":720.16003,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3646698594093323},{"word":"in","start":720.16003,"end":720.32,"confidence":0.99902344,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3541443943977356},{"word":"that","start":720.32,"end":720.64,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.416010707616806},{"word":"tax","start":720.64,"end":720.88,"confidence":1.0,"punctuated_word":"tax","sentiment":"negative","sentiment_score":-0.4557909369468689},{"word":"bracket","start":720.88,"end":721.28,"confidence":0.9851074,"punctuated_word":"bracket.","sentiment":"negative","sentiment_score":-0.4094027876853943},{"word":"so","start":721.28,"end":721.52,"confidence":1.0,"punctuated_word":"So","sentiment":"negative","sentiment_score":-0.3991912007331848},{"word":"unless","start":721.52,"end":721.84,"confidence":0.9892578,"punctuated_word":"unless","sentiment":"negative","sentiment_score":-0.5185234546661377},{"word":"we're","start":721.84,"end":722.0,"confidence":0.99560547,"punctuated_word":"we're","sentiment":"negative","sentiment_score":-0.5700215101242065},{"word":"gonna","start":722.0,"end":722.5,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.6047645807266235},{"word":"pop","start":722.88,"end":723.2,"confidence":0.9970703,"punctuated_word":"pop,","sentiment":"negative","sentiment_score":-0.5734921097755432},{"word":"you","start":723.2,"end":723.36005,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5832075476646423},{"word":"know","start":723.36005,"end":723.86005,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"negative","sentiment_score":-0.5491328835487366},{"word":"like","start":724.24005,"end":724.48004,"confidence":0.7480469,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.5670603513717651},{"word":"a","start":724.48004,"end":724.80005,"confidence":0.9980469,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5667556524276733},{"word":"a","start":724.80005,"end":724.88,"confidence":0.97802734,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5736762285232544},{"word":"a","start":724.88,"end":724.96,"confidence":0.56591797,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.6142507791519165},{"word":"good","start":724.96,"end":725.12,"confidence":0.9970703,"punctuated_word":"good","sentiment":"negative","sentiment_score":-0.5259680151939392},{"word":"solid","start":725.12,"end":725.52,"confidence":0.96240234,"punctuated_word":"solid","sentiment":"negative","sentiment_score":-0.49493351578712463},{"word":"$50.60","start":725.52,"end":726.24005,"confidence":0.9815674,"punctuated_word":"$50.60","sentiment":"negative","sentiment_score":-0.5640920996665955},{"word":"grand","start":726.24005,"end":726.56,"confidence":0.99902344,"punctuated_word":"grand","sentiment":"negative","sentiment_score":-0.5297479033470154},{"word":"into","start":726.56,"end":726.80005,"confidence":1.0,"punctuated_word":"into","sentiment":"negative","sentiment_score":-0.592219889163971},{"word":"the","start":726.80005,"end":726.96,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5612190961837769},{"word":"fund","start":726.96,"end":727.36005,"confidence":0.7988281,"punctuated_word":"fund,","sentiment":"negative","sentiment_score":-0.5416433811187744},{"word":"which","start":727.36005,"end":727.695,"confidence":1.0,"punctuated_word":"which","sentiment":"negative","sentiment_score":-0.6566597819328308},{"word":"is","start":728.415,"end":728.575,"confidence":0.7871094,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.7190852165222168},{"word":"gonna","start":728.575,"end":728.895,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.6876665353775024},{"word":"eat","start":728.895,"end":729.055,"confidence":0.96777344,"punctuated_word":"eat","sentiment":"negative","sentiment_score":-0.6639893054962158},{"word":"into","start":729.055,"end":729.53503,"confidence":0.9951172,"punctuated_word":"into","sentiment":"negative","sentiment_score":-0.6625853776931763},{"word":"you","start":729.53503,"end":729.695,"confidence":0.9980469,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.7005828022956848},{"word":"guys","start":729.695,"end":730.195,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"negative","sentiment_score":-0.6605522632598877},{"word":"and","start":730.415,"end":730.655,"confidence":0.82910156,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.6811326146125793},{"word":"your","start":730.655,"end":730.815,"confidence":1.0,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.7338926196098328},{"word":"cash","start":730.815,"end":731.055,"confidence":1.0,"punctuated_word":"cash","sentiment":"negative","sentiment_score":-0.6145848035812378},{"word":"flow","start":731.055,"end":731.295,"confidence":0.8388672,"punctuated_word":"flow,","sentiment":"negative","sentiment_score":-0.5626078844070435},{"word":"so","start":731.295,"end":731.53503,"confidence":0.99902344,"punctuated_word":"so","sentiment":"negative","sentiment_score":-0.5050612688064575},{"word":"it's","start":731.53503,"end":731.615,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.6136095523834229},{"word":"not","start":731.615,"end":731.775,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.6953176856040955},{"word":"really","start":731.775,"end":732.015,"confidence":0.9980469,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.6082380414009094},{"word":"gonna","start":732.015,"end":732.175,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.5900800228118896},{"word":"work","start":732.175,"end":732.675,"confidence":0.8310547,"punctuated_word":"work.","sentiment":"negative","sentiment_score":-0.5574325919151306},{"word":"it's","start":733.455,"end":733.695,"confidence":0.9379883,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.0576535239815712},{"word":"he's","start":733.775,"end":733.935,"confidence":0.9995117,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.0914747416973114},{"word":"not","start":733.935,"end":734.09503,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.14367976784706116},{"word":"gonna","start":734.09503,"end":734.335,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.15692180395126343},{"word":"drop","start":734.335,"end":734.495,"confidence":0.99902344,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.1962035596370697},{"word":"a","start":734.495,"end":734.655,"confidence":0.97998047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19510751962661743},{"word":"tax","start":734.655,"end":734.895,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.18948538601398468},{"word":"bracket","start":734.895,"end":735.395,"confidence":0.9785156,"punctuated_word":"bracket.","sentiment":"neutral","sentiment_score":-0.1434372365474701},{"word":"yep","start":739.615,"end":739.855,"confidence":0.9135742,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.034064263105392456},{"word":"above","start":739.855,"end":740.355,"confidence":0.87280273,"punctuated_word":"Above,","sentiment":"neutral","sentiment_score":0.01907753199338913},{"word":"yeah","start":740.96,"end":741.12,"confidence":0.890625,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.031661130487918854},{"word":"above","start":741.12,"end":741.52,"confidence":0.9980469,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.06283552944660187},{"word":"$1.90","start":741.52,"end":742.08,"confidence":0.99609375,"punctuated_word":"$1.90.","sentiment":"neutral","sentiment_score":0.0480857715010643},{"word":"so","start":742.08,"end":742.32,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0678127184510231},{"word":"it","start":742.32,"end":742.56,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07114602625370026},{"word":"basically","start":742.56,"end":742.96,"confidence":0.98291016,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.0749717503786087},{"word":"goes","start":742.96,"end":743.36,"confidence":0.99902344,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.07339424639940262},{"word":"from","start":743.36,"end":743.86,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08980277180671692},{"word":"there's","start":744.24,"end":744.48004,"confidence":0.99853516,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.1113603338599205},{"word":"no","start":744.48004,"end":744.72003,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.0646372139453888},{"word":"tax","start":744.72003,"end":745.04004,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.03649728000164032},{"word":"from","start":745.04004,"end":745.2,"confidence":0.9892578,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.10245993733406068},{"word":"zero","start":745.2,"end":745.52,"confidence":1.0,"punctuated_word":"zero","sentiment":"neutral","sentiment_score":0.09553709626197816},{"word":"to","start":745.52,"end":745.76,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1001671701669693},{"word":"to","start":745.76,"end":746.08,"confidence":0.703125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0970296710729599},{"word":"18,200","start":746.08,"end":747.46,"confidence":0.99523926,"punctuated_word":"18,200.","sentiment":"neutral","sentiment_score":0.10306009650230408},{"word":"there's","start":747.52,"end":747.76,"confidence":1.0,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.1430744826793671},{"word":"no","start":747.76,"end":747.92004,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.0838070958852768},{"word":"tax","start":747.92004,"end":748.16003,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.11424627900123596},{"word":"paid","start":748.16003,"end":748.4,"confidence":0.96240234,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.164135679602623},{"word":"there","start":748.4,"end":748.8,"confidence":0.9211426,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.11650902777910233},{"word":"from","start":748.8,"end":749.04004,"confidence":0.99902344,"punctuated_word":"From","sentiment":"neutral","sentiment_score":0.07947898656129837},{"word":"18,201","start":749.04004,"end":750.4,"confidence":0.99886066,"punctuated_word":"18,201","sentiment":"neutral","sentiment_score":0.09193901717662813},{"word":"up","start":750.4,"end":750.64,"confidence":0.9902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1256033480167389},{"word":"to","start":750.64,"end":750.8,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10680575668811798},{"word":"45","start":750.8,"end":751.62,"confidence":0.99572754,"punctuated_word":"45,","sentiment":"neutral","sentiment_score":0.13904929161071777},{"word":"16%","start":751.68,"end":752.58,"confidence":0.9765625,"punctuated_word":"16%.","sentiment":"neutral","sentiment_score":0.1084739714860916},{"word":"from","start":752.72003,"end":752.96,"confidence":0.99902344,"punctuated_word":"From","sentiment":"neutral","sentiment_score":0.04334991052746773},{"word":"45,000","start":752.96,"end":754.10004,"confidence":1.0,"punctuated_word":"45,000","sentiment":"neutral","sentiment_score":0.08624637871980667},{"word":"up","start":754.24,"end":754.48004,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07491236180067062},{"word":"to","start":754.48004,"end":754.64,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06957469880580902},{"word":"a","start":754.64,"end":754.8,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06248531863093376},{"word":"135","start":754.8,"end":756.415,"confidence":0.99383545,"punctuated_word":"135,","sentiment":"neutral","sentiment_score":0.06186909973621368},{"word":"it's","start":756.415,"end":756.735,"confidence":0.9667969,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.037257421761751175},{"word":"30","start":756.735,"end":757.055,"confidence":0.98999023,"punctuated_word":"30.","sentiment":"neutral","sentiment_score":0.05405197665095329},{"word":"from","start":757.055,"end":757.295,"confidence":0.99902344,"punctuated_word":"From","sentiment":"neutral","sentiment_score":0.03702380508184433},{"word":"$1.35","start":757.295,"end":757.935,"confidence":0.99853516,"punctuated_word":"$1.35","sentiment":"neutral","sentiment_score":0.06739848107099533},{"word":"to","start":757.935,"end":758.175,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06240854412317276},{"word":"$1.90","start":758.175,"end":759.07495,"confidence":0.9987793,"punctuated_word":"$1.90,","sentiment":"neutral","sentiment_score":0.06469427049160004},{"word":"it's","start":759.295,"end":759.535,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04794849082827568},{"word":"37","start":759.535,"end":760.01495,"confidence":0.9760742,"punctuated_word":"37.","sentiment":"neutral","sentiment_score":0.05891789495944977},{"word":"and","start":760.01495,"end":760.175,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.035130396485328674},{"word":"then","start":760.175,"end":760.33496,"confidence":0.9921875,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.025653662160038948},{"word":"from","start":760.33496,"end":760.495,"confidence":0.94628906,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.02062312886118889},{"word":"$1.90","start":760.495,"end":761.21497,"confidence":0.9980469,"punctuated_word":"$1.90","sentiment":"neutral","sentiment_score":0.034102752804756165},{"word":"up","start":761.21497,"end":761.71497,"confidence":0.99609375,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.026769649237394333},{"word":"it's","start":761.77496,"end":762.095,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.01903187483549118},{"word":"that","start":762.095,"end":762.595,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03800106793642044},{"word":"that","start":762.89496,"end":763.13495,"confidence":0.8076172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04142537713050842},{"word":"$40.45","start":763.13495,"end":764.51495,"confidence":0.9908447,"punctuated_word":"$40.45.","sentiment":"neutral","sentiment_score":0.04057913273572922},{"word":"mhmm","start":775.23,"end":775.73,"confidence":0.9812012,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.002848592586815357},{"word":"it","start":781.705,"end":782.205,"confidence":0.77685547,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.023248005658388134},{"word":"it","start":784.105,"end":784.605,"confidence":0.5629883,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.026994280517101288},{"word":"it'll","start":784.90497,"end":785.145,"confidence":0.99902344,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.015202279202640057},{"word":"change","start":785.145,"end":785.46497,"confidence":0.9980469,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.050052717328071594},{"word":"the","start":785.46497,"end":785.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03044000267982483},{"word":"tax","start":785.625,"end":785.945,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.0033645033836364746},{"word":"rates","start":785.945,"end":786.445,"confidence":0.8605957,"punctuated_word":"rates,","sentiment":"neutral","sentiment_score":0.02704092115163803},{"word":"but","start":787.065,"end":787.225,"confidence":0.86621094,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0031993836164474487},{"word":"it'll","start":787.225,"end":787.545,"confidence":0.9975586,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.004282256122678518},{"word":"it'll","start":787.545,"end":787.785,"confidence":0.9995117,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.005160724278539419},{"word":"mean","start":787.785,"end":787.945,"confidence":0.9970703,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.04118216037750244},{"word":"that","start":787.945,"end":788.105,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05701224505901337},{"word":"you'll","start":788.105,"end":788.265,"confidence":0.93066406,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.06096005067229271},{"word":"get","start":788.265,"end":788.425,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08460468053817749},{"word":"a","start":788.425,"end":788.505,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06368516385555267},{"word":"bigger","start":788.505,"end":788.90497,"confidence":0.99902344,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":0.07877647876739502},{"word":"tax","start":788.90497,"end":789.225,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.08643268048763275},{"word":"break","start":789.225,"end":789.705,"confidence":0.72680664,"punctuated_word":"break.","sentiment":"neutral","sentiment_score":0.09798314422369005},{"word":"because","start":789.705,"end":789.945,"confidence":0.9980469,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.061957016587257385},{"word":"if","start":789.945,"end":790.185,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.28607386350631714},{"word":"you","start":790.185,"end":790.265,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2918834090232849},{"word":"go","start":790.265,"end":790.585,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.3305424451828003},{"word":"over","start":790.585,"end":790.745,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4698249101638794},{"word":"the","start":790.745,"end":790.985,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2085960954427719},{"word":"one","start":790.985,"end":791.225,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.21359840035438535},{"word":"ninety","start":791.225,"end":791.725,"confidence":0.99902344,"punctuated_word":"ninety,","sentiment":"neutral","sentiment_score":0.15748432278633118},{"word":"it's","start":791.865,"end":792.105,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.17064300179481506},{"word":"just","start":792.105,"end":792.265,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18905644118785855},{"word":"gonna","start":792.265,"end":792.505,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.20101769268512729},{"word":"improve","start":792.505,"end":792.825,"confidence":1.0,"punctuated_word":"improve","sentiment":"neutral","sentiment_score":0.2464982122182846},{"word":"your","start":792.825,"end":793.065,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2837292551994324},{"word":"tax","start":793.065,"end":793.305,"confidence":1.0,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.3552057147026062},{"word":"outcome","start":793.305,"end":793.545,"confidence":0.99902344,"punctuated_word":"outcome","sentiment":"positive","sentiment_score":0.34284812211990356},{"word":"because","start":793.545,"end":793.785,"confidence":0.74365234,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.14538881182670593},{"word":"all","start":793.785,"end":793.945,"confidence":0.93603516,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.23432910442352295},{"word":"of","start":793.945,"end":794.02496,"confidence":0.9716797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14055435359477997},{"word":"a","start":794.02496,"end":794.105,"confidence":0.95166016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06575795263051987},{"word":"sudden","start":794.105,"end":794.265,"confidence":1.0,"punctuated_word":"sudden","sentiment":"neutral","sentiment_score":0.13469809293746948},{"word":"your","start":794.265,"end":794.505,"confidence":0.6425781,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.035549014806747437},{"word":"taxable","start":794.505,"end":795.005,"confidence":0.9970703,"punctuated_word":"taxable","sentiment":"neutral","sentiment_score":0.0014611855149269104},{"word":"amount's","start":795.065,"end":795.46497,"confidence":0.8352051,"punctuated_word":"amount's","sentiment":"neutral","sentiment_score":-0.05003686994314194},{"word":"gonna","start":795.46497,"end":795.785,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.05746658146381378},{"word":"increase","start":795.785,"end":796.285,"confidence":0.9633789,"punctuated_word":"increase.","sentiment":"neutral","sentiment_score":0.04036813601851463},{"word":"so","start":796.82996,"end":796.91,"confidence":0.97998047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0915023684501648},{"word":"it","start":796.91,"end":796.99,"confidence":0.94384766,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2174406349658966},{"word":"will","start":796.99,"end":797.23,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.28442591428756714},{"word":"actually","start":797.23,"end":797.63,"confidence":0.9941406,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.2515602707862854},{"word":"improve","start":797.63,"end":798.11,"confidence":1.0,"punctuated_word":"improve","sentiment":"positive","sentiment_score":0.3657421469688415},{"word":"the","start":798.11,"end":798.26996,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.42390871047973633},{"word":"tax","start":798.26996,"end":798.50995,"confidence":1.0,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.4188859760761261},{"word":"outcome","start":798.50995,"end":799.00995,"confidence":0.9909668,"punctuated_word":"outcome.","sentiment":"neutral","sentiment_score":0.3253132700920105},{"word":"if","start":799.14996,"end":799.38995,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.3146468997001648},{"word":"he","start":799.38995,"end":799.79,"confidence":0.9951172,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.2540997564792633},{"word":"earns","start":799.79,"end":800.26996,"confidence":0.96899414,"punctuated_word":"earns,","sentiment":"neutral","sentiment_score":0.1743459701538086},{"word":"like","start":800.26996,"end":800.58997,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1124403178691864},{"word":"a","start":800.58997,"end":800.75,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19830600917339325},{"word":"140","start":800.75,"end":802.91,"confidence":0.9983724,"punctuated_word":"140","sentiment":"neutral","sentiment_score":0.24053876101970673},{"word":"or","start":802.91,"end":803.06995,"confidence":0.5366211,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.12096340209245682},{"word":"sorry","start":803.14996,"end":803.38995,"confidence":0.951416,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.05680439248681069},{"word":"i","start":803.38995,"end":803.47,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.015128329396247864},{"word":"should","start":803.47,"end":803.70996,"confidence":0.9873047,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.03553548455238342},{"word":"say","start":803.70996,"end":803.79,"confidence":0.9980469,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.0749426931142807},{"word":"a","start":803.79,"end":803.87,"confidence":0.46850586,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.020401231944561005},{"word":"120","start":803.87,"end":804.76996,"confidence":0.98706055,"punctuated_word":"120,","sentiment":"neutral","sentiment_score":0.014864407479763033},{"word":"it","start":804.82996,"end":805.06995,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11768214404582976},{"word":"looks","start":805.06995,"end":805.31,"confidence":0.99902344,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":-0.11016712337732316},{"word":"worse","start":805.31,"end":805.81,"confidence":0.9277344,"punctuated_word":"worse,","sentiment":"neutral","sentiment_score":-0.061922527849674225},{"word":"but","start":805.94995,"end":806.19,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.01640932261943817},{"word":"it's","start":806.19,"end":806.50995,"confidence":0.98999023,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1081688106060028},{"word":"still","start":806.50995,"end":807.00995,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1412217617034912},{"word":"a","start":807.38995,"end":807.55,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.233627587556839},{"word":"bit","start":807.55,"end":807.70996,"confidence":0.9550781,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.19482067227363584},{"word":"of","start":807.70996,"end":807.87,"confidence":0.9741211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17444293200969696},{"word":"tax","start":807.87,"end":808.11,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1907398551702499},{"word":"savings","start":808.11,"end":808.605,"confidence":0.9970703,"punctuated_word":"savings.","sentiment":"neutral","sentiment_score":0.10973776876926422},{"word":"that's","start":816.125,"end":816.625,"confidence":0.74487305,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.02532181888818741},{"word":"yeah","start":821.08496,"end":821.43,"confidence":0.9020996,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04826940596103668},{"word":"which","start":832.63,"end":832.79,"confidence":0.93847656,"punctuated_word":"Which","sentiment":"neutral","sentiment_score":-0.02015889063477516},{"word":"document","start":832.79,"end":833.29,"confidence":0.8154297,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.02472943812608719},{"word":"are","start":833.35,"end":833.51,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.023511365056037903},{"word":"you","start":833.51,"end":833.58997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01266617514193058},{"word":"looking","start":833.58997,"end":833.955,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.014119059778749945},{"word":"at","start":844.195,"end":844.435,"confidence":0.99902344,"punctuated_word":"at?","sentiment":"neutral","sentiment_score":-0.009935382753610613},{"word":"1,034","start":844.435,"end":845.555,"confidence":0.95947266,"punctuated_word":"1,034","sentiment":"neutral","sentiment_score":-0.006256344728171825},{"word":"is","start":845.555,"end":845.79504,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.007170440629124641},{"word":"his","start":845.79504,"end":846.03503,"confidence":1.0,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.017838165163993835},{"word":"insurance","start":846.03503,"end":846.435,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.0030222274363040924},{"word":"premiums","start":846.435,"end":846.935,"confidence":0.93725586,"punctuated_word":"premiums.","sentiment":"neutral","sentiment_score":-0.005213861353695393},{"word":"so","start":859.39,"end":859.89,"confidence":0.90625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.012038875371217728},{"word":"our","start":860.11005,"end":860.43,"confidence":0.9326172,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.013780441135168076},{"word":"fee","start":860.43,"end":860.91003,"confidence":0.9536133,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.02557963691651821},{"word":"is","start":860.91003,"end":861.15,"confidence":0.9760742,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01414884813129902},{"word":"that","start":861.15,"end":861.47003,"confidence":0.91748047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02858562394976616},{"word":"1,003","start":861.47003,"end":863.01,"confidence":0.9539388,"punctuated_word":"1,003","sentiment":"neutral","sentiment_score":0.02452022209763527},{"word":"20","start":865.685,"end":866.185,"confidence":0.9291992,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.015251463279128076},{"word":"7","start":866.20496,"end":866.70496,"confidence":0.8833008,"punctuated_word":"7.","sentiment":"neutral","sentiment_score":0.015171820297837256},{"word":"and","start":866.725,"end":866.965,"confidence":0.90478516,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03128913789987564},{"word":"what","start":866.965,"end":867.205,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04029035195708275},{"word":"we","start":867.205,"end":867.445,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03229234367609024},{"word":"do","start":867.445,"end":867.685,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03972382098436355},{"word":"is","start":867.685,"end":868.005,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02695613354444504},{"word":"we","start":868.005,"end":868.505,"confidence":0.9902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05607061833143234},{"word":"we","start":870.40497,"end":870.645,"confidence":0.9819336,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0672115832567215},{"word":"do","start":870.645,"end":870.885,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08332020044326782},{"word":"advice","start":870.885,"end":871.205,"confidence":0.88134766,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.08305015414953232},{"word":"like","start":871.205,"end":871.445,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07575314491987228},{"word":"this","start":871.445,"end":871.685,"confidence":0.9628906,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.020487982779741287},{"word":"we","start":871.685,"end":872.005,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.046618908643722534},{"word":"do","start":872.005,"end":872.165,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07032708823680878},{"word":"his","start":872.165,"end":872.325,"confidence":0.9970703,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.0636250227689743},{"word":"investment","start":872.325,"end":872.805,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.038315195590257645},{"word":"advice","start":872.805,"end":873.125,"confidence":0.9921875,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.06144614517688751},{"word":"we","start":873.125,"end":873.205,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.06688456237316132},{"word":"make","start":873.205,"end":873.365,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08491173386573792},{"word":"sure","start":873.365,"end":873.525,"confidence":0.9980469,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.09581375867128372},{"word":"that","start":873.525,"end":873.685,"confidence":0.98095703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0964527577161789},{"word":"all","start":873.685,"end":873.845,"confidence":0.9941406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.13657011091709137},{"word":"the","start":873.845,"end":874.345,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10699938237667084},{"word":"investment","start":874.885,"end":875.385,"confidence":0.97802734,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.03300223499536514},{"word":"options","start":875.445,"end":875.845,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.052777886390686035},{"word":"in","start":875.845,"end":876.085,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13244909048080444},{"word":"the","start":876.085,"end":876.245,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0908602774143219},{"word":"fund","start":876.245,"end":876.725,"confidence":0.91503906,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.05631168186664581},{"word":"are","start":876.725,"end":876.965,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09456895291805267},{"word":"appropriate","start":876.965,"end":877.465,"confidence":0.9995117,"punctuated_word":"appropriate.","sentiment":"neutral","sentiment_score":0.09591044485569},{"word":"we","start":877.525,"end":877.685,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.027647238224744797},{"word":"make","start":877.685,"end":877.845,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.029486998915672306},{"word":"sure","start":877.845,"end":878.085,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.032718248665332794},{"word":"that","start":878.085,"end":878.37,"confidence":0.99853516,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.0032639801502227783},{"word":"you","start":878.45,"end":878.61,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0034904778003692627},{"word":"know","start":878.61,"end":878.77,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.005656782537698746},{"word":"if","start":878.77,"end":878.85,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03809650242328644},{"word":"there's","start":878.85,"end":879.01,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.07051217555999756},{"word":"a","start":879.01,"end":879.25,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09164106845855712},{"word":"market","start":879.25,"end":879.57,"confidence":0.9980469,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.1296362727880478},{"word":"drop","start":879.57,"end":879.81,"confidence":0.9658203,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.10432451963424684},{"word":"or","start":879.81,"end":879.97,"confidence":0.9892578,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1543276160955429},{"word":"anything","start":879.97,"end":880.21,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.10669365525245668},{"word":"like","start":880.21,"end":880.29,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.13535553216934204},{"word":"that","start":880.29,"end":880.52997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12449201196432114},{"word":"or","start":880.52997,"end":880.69,"confidence":0.8354492,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.12266002595424652},{"word":"any","start":880.69,"end":880.81,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.10826707631349564},{"word":"of","start":880.81,"end":880.93,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08804892003536224},{"word":"the","start":880.93,"end":881.08997,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10195958614349364},{"word":"assets","start":881.08997,"end":881.49,"confidence":1.0,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.12475019693374634},{"word":"are","start":881.49,"end":881.65,"confidence":0.95166016,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.08675067126750946},{"word":"no","start":881.65,"end":881.81,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.16009390354156494},{"word":"longer","start":881.81,"end":882.31,"confidence":1.0,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.13530094921588898},{"word":"fit","start":882.61,"end":882.85,"confidence":0.96972656,"punctuated_word":"fit","sentiment":"neutral","sentiment_score":-0.054959312081336975},{"word":"for","start":882.85,"end":883.01,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.040699928998947144},{"word":"purpose","start":883.01,"end":883.51,"confidence":0.75097656,"punctuated_word":"purpose,","sentiment":"neutral","sentiment_score":-0.0685562938451767},{"word":"that","start":883.57,"end":883.81,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07756968587636948},{"word":"we","start":883.81,"end":884.31,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.056880541145801544},{"word":"adjust","start":884.52997,"end":885.02997,"confidence":0.9633789,"punctuated_word":"adjust,","sentiment":"neutral","sentiment_score":-0.06951737403869629},{"word":"pivot","start":885.08997,"end":885.57,"confidence":0.9904785,"punctuated_word":"pivot,","sentiment":"neutral","sentiment_score":-0.06693395227193832},{"word":"change","start":885.57,"end":885.97,"confidence":0.9975586,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":-0.0724235475063324},{"word":"get","start":885.97,"end":886.21,"confidence":0.9970703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.10840117931365968},{"word":"rid","start":886.21,"end":886.37,"confidence":1.0,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.08367572724819183},{"word":"of","start":886.37,"end":886.45,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06237386912107468},{"word":"them","start":886.45,"end":886.95,"confidence":0.935791,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.09354250133037569},{"word":"that","start":887.41,"end":887.57,"confidence":0.91845703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06937848031520844},{"word":"we're","start":887.57,"end":887.73,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.07022815197706223},{"word":"not","start":887.73,"end":887.89,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09231455624103546},{"word":"sitting","start":887.89,"end":888.13,"confidence":0.99609375,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.10125797986984252},{"word":"in","start":888.13,"end":888.21,"confidence":0.9838867,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07824330031871796},{"word":"anything","start":888.21,"end":888.52997,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.09431976079940796},{"word":"that's","start":888.52997,"end":888.77,"confidence":0.99658203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.20772024989128113},{"word":"stagnating","start":888.77,"end":889.27,"confidence":1.0,"punctuated_word":"stagnating","sentiment":"neutral","sentiment_score":-0.27051618695259094},{"word":"available","start":890.69,"end":891.08997,"confidence":0.5683594,"punctuated_word":"available","sentiment":"negative","sentiment_score":-0.3444072902202606},{"word":"for","start":891.08997,"end":891.25,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2803576588630676},{"word":"you","start":891.25,"end":891.33,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.34499624371528625},{"word":"guys","start":891.33,"end":891.57,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.26492950320243835},{"word":"to","start":891.57,"end":891.73,"confidence":0.9970703,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.34479597210884094},{"word":"call","start":891.73,"end":891.97,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.2924793064594269},{"word":"at","start":891.97,"end":892.05,"confidence":0.8322754,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":-0.19047990441322327},{"word":"you","start":892.05,"end":892.21,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2158730924129486},{"word":"know","start":892.21,"end":892.37,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.23708373308181763},{"word":"any","start":892.37,"end":892.52997,"confidence":0.9838867,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.1944289058446884},{"word":"point","start":892.52997,"end":892.85,"confidence":0.99902344,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.1479700356721878},{"word":"to","start":892.85,"end":892.93,"confidence":0.96240234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16596898436546326},{"word":"ask","start":892.93,"end":893.25,"confidence":0.9892578,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":-0.1241057962179184},{"word":"these","start":893.25,"end":893.49,"confidence":0.85498047,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.09029419720172882},{"word":"questions","start":893.49,"end":893.99,"confidence":0.61083984,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-0.10583972930908205},{"word":"because","start":894.635,"end":895.03503,"confidence":0.9921875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2220604419708252},{"word":"super","start":895.03503,"end":895.395,"confidence":0.72802734,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.2508627474308014},{"word":"funds","start":895.395,"end":895.755,"confidence":0.4169922,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.219794362783432},{"word":"don't","start":895.755,"end":895.91504,"confidence":0.9770508,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.3183264434337616},{"word":"answer","start":895.91504,"end":896.155,"confidence":0.97314453,"punctuated_word":"answer","sentiment":"negative","sentiment_score":-0.3852148652076721},{"word":"these","start":896.155,"end":896.395,"confidence":0.89501953,"punctuated_word":"these,","sentiment":"negative","sentiment_score":-0.4015826880931854},{"word":"unfortunately","start":896.395,"end":896.895,"confidence":0.9633789,"punctuated_word":"unfortunately.","sentiment":"negative","sentiment_score":-0.4481101334095001},{"word":"so","start":897.91504,"end":898.075,"confidence":0.91015625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.27823907136917114},{"word":"that","start":898.075,"end":898.195,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.25468891859054565},{"word":"that's","start":898.315,"end":898.555,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.2566872537136078},{"word":"what","start":898.555,"end":898.795,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.24965287744998932},{"word":"we're","start":898.795,"end":899.03503,"confidence":0.9970703,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.18930916488170624},{"word":"available","start":899.03503,"end":899.435,"confidence":0.9980469,"punctuated_word":"available","sentiment":"neutral","sentiment_score":-0.2087403833866119},{"word":"to","start":899.435,"end":899.59503,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2378343790769577},{"word":"do","start":899.59503,"end":900.09503,"confidence":0.9995117,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.17601019144058228},{"word":"of","start":904.155,"end":904.315,"confidence":0.70214844,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.056323885917663574},{"word":"course","start":904.315,"end":904.815,"confidence":1.0,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":-0.07170198857784271},{"word":"on","start":914.22003,"end":914.46,"confidence":0.80371094,"punctuated_word":"On","sentiment":"neutral","sentiment_score":-0.01981169730424881},{"word":"which","start":914.46,"end":914.7,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.027791861444711685},{"word":"document","start":914.7,"end":915.2,"confidence":0.99902344,"punctuated_word":"document?","sentiment":"neutral","sentiment_score":-0.026967013254761696},{"word":"no","start":924.22504,"end":924.54504,"confidence":0.8129883,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13604150712490082},{"word":"no","start":924.54504,"end":924.705,"confidence":0.9995117,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12516973912715912},{"word":"no","start":924.705,"end":924.945,"confidence":0.9995117,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0824010968208313},{"word":"that's","start":924.945,"end":925.265,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08142057806253433},{"word":"absolutely","start":925.265,"end":925.585,"confidence":0.99609375,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.1566607654094696},{"word":"fine","start":925.585,"end":925.825,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.12787850201129913},{"word":"your","start":925.825,"end":926.065,"confidence":0.99902344,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.17809943854808807},{"word":"first","start":926.065,"end":926.305,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.21321862936019895},{"word":"and","start":926.305,"end":926.54504,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2049168348312378},{"word":"last","start":926.54504,"end":926.78503,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1651272475719452},{"word":"name","start":926.78503,"end":927.025,"confidence":1.0,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.2039768099784851},{"word":"are","start":927.025,"end":927.265,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.23216213285923004},{"word":"absolutely","start":927.265,"end":927.66504,"confidence":0.99902344,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.26334109902381897},{"word":"appropriate","start":927.66504,"end":928.16504,"confidence":0.9904785,"punctuated_word":"appropriate.","sentiment":"neutral","sentiment_score":0.14585307240486145},{"word":"don't","start":929.66504,"end":929.905,"confidence":0.8449707,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":0.09702777862548828},{"word":"get","start":929.905,"end":929.985,"confidence":0.8359375,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06265929341316223},{"word":"me","start":929.985,"end":930.065,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06085895746946335},{"word":"wrong","start":930.065,"end":930.305,"confidence":0.93310547,"punctuated_word":"wrong.","sentiment":"neutral","sentiment_score":0.04334035888314247},{"word":"if","start":930.305,"end":930.465,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0822918713092804},{"word":"you","start":930.465,"end":930.54504,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09153254330158234},{"word":"want","start":930.54504,"end":930.865,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.1048518568277359},{"word":"your","start":930.865,"end":931.10504,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09767928719520567},{"word":"entire","start":931.10504,"end":931.505,"confidence":1.0,"punctuated_word":"entire","sentiment":"neutral","sentiment_score":0.07878344506025314},{"word":"name","start":931.505,"end":931.745,"confidence":1.0,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.05589726194739342},{"word":"to","start":931.745,"end":932.065,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10341566801071168},{"word":"to","start":932.065,"end":932.145,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0915692001581192},{"word":"be","start":932.145,"end":932.305,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07638762146234512},{"word":"listed","start":932.305,"end":932.705,"confidence":0.9941406,"punctuated_word":"listed,","sentiment":"neutral","sentiment_score":0.09321822226047516},{"word":"we","start":932.705,"end":932.865,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10882709920406342},{"word":"can","start":932.865,"end":933.365,"confidence":0.8005371,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.09503810852766036},{"word":"but","start":933.585,"end":933.825,"confidence":0.9760742,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06577108800411224},{"word":"first","start":933.825,"end":934.065,"confidence":0.99121094,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.06929703056812286},{"word":"and","start":934.065,"end":934.145,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07428408414125443},{"word":"last","start":934.145,"end":934.385,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.05083609372377395},{"word":"name","start":934.385,"end":934.78503,"confidence":0.99902344,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.04943107441067696},{"word":"name","start":934.78503,"end":934.945,"confidence":0.9707031,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.05618642643094063},{"word":"is","start":934.945,"end":935.10504,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09501688182353972},{"word":"absolutely","start":935.10504,"end":935.505,"confidence":0.9980469,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.23293796181678772},{"word":"appropriate","start":935.505,"end":936.005,"confidence":0.99853516,"punctuated_word":"appropriate.","sentiment":"neutral","sentiment_score":0.1475779116153717},{"word":"yeah","start":936.305,"end":936.805,"confidence":0.79296875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08755369484424591},{"word":"yes","start":946.74,"end":947.24,"confidence":0.9313965,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07701553404331207},{"word":"i","start":947.38,"end":947.45996,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.032853949815034866},{"word":"know","start":947.45996,"end":947.62,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.03701154142618179},{"word":"that","start":947.62,"end":947.77997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05506184697151184},{"word":"caden","start":947.77997,"end":948.1,"confidence":0.6801758,"punctuated_word":"Caden","sentiment":"neutral","sentiment_score":0.06598687916994095},{"word":"was","start":948.1,"end":948.25995,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.051569197326898575},{"word":"giving","start":948.25995,"end":948.42,"confidence":1.0,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.03935902565717697},{"word":"you","start":948.42,"end":948.5,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0394071526825428},{"word":"a","start":948.5,"end":948.66,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03575706481933594},{"word":"hand","start":948.66,"end":948.81995,"confidence":0.99902344,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":0.03466310352087021},{"word":"with","start":948.81995,"end":948.89996,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.044930726289749146},{"word":"those","start":948.89996,"end":949.13995,"confidence":0.9970703,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.05494770407676697},{"word":"earlier","start":949.13995,"end":949.63995,"confidence":0.99902344,"punctuated_word":"earlier.","sentiment":"neutral","sentiment_score":0.04911580681800842},{"word":"no","start":953.555,"end":953.875,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08430659025907516},{"word":"no","start":953.875,"end":954.115,"confidence":1.0,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08840188384056091},{"word":"of","start":954.115,"end":954.195,"confidence":1.0,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.06277919560670853},{"word":"course","start":954.195,"end":954.695,"confidence":1.0,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":-0.05463191121816635},{"word":"it","start":964.595,"end":964.675,"confidence":0.5683594,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.026034466922283173},{"word":"does","start":964.675,"end":965.16,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.00953356921672821},{"word":"it","start":965.16,"end":965.48,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.009498707950115204},{"word":"does","start":965.48,"end":965.95996,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.002895258367061615},{"word":"change","start":965.95996,"end":966.19995,"confidence":0.8730469,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.01066938042640686},{"word":"annually","start":966.19995,"end":966.69995,"confidence":0.9790039,"punctuated_word":"annually,","sentiment":"neutral","sentiment_score":-0.0022650789469480515},{"word":"but","start":966.75995,"end":966.92,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.00480303168296814},{"word":"there","start":966.92,"end":967.07996,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.007018540054559708},{"word":"is","start":967.07996,"end":967.24,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.008011788129806519},{"word":"a","start":967.24,"end":967.31995,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0015041697770357132},{"word":"form","start":967.31995,"end":967.56,"confidence":0.99902344,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.020918752998113632},{"word":"that","start":967.56,"end":967.72,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03132866695523262},{"word":"casper","start":967.72,"end":968.12,"confidence":0.9057617,"punctuated_word":"Casper","sentiment":"neutral","sentiment_score":0.04316497594118118},{"word":"signs","start":968.12,"end":968.62,"confidence":0.8911133,"punctuated_word":"signs","sentiment":"neutral","sentiment_score":0.04814233258366585},{"word":"to","start":968.75995,"end":969.25995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06048579886555672},{"word":"nominate","start":969.87994,"end":970.37994,"confidence":0.8457031,"punctuated_word":"nominate","sentiment":"neutral","sentiment_score":0.08336971700191498},{"word":"to","start":970.44,"end":970.6,"confidence":0.91845703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05630599334836006},{"word":"sign","start":970.6,"end":970.83997,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.024525661021471024},{"word":"on","start":970.83997,"end":971.0,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.036516979336738586},{"word":"for","start":971.0,"end":971.24,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03137684985995293},{"word":"a","start":971.24,"end":971.31995,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025744110345840458},{"word":"year","start":971.31995,"end":971.81995,"confidence":0.751709,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.01878310553729534},{"word":"and","start":972.36,"end":972.6,"confidence":0.9604492,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006791047751903534},{"word":"we","start":972.6,"end":972.83997,"confidence":0.91137695,"punctuated_word":"we,","sentiment":"neutral","sentiment_score":0.002422189339995384},{"word":"during","start":972.83997,"end":973.16,"confidence":1.0,"punctuated_word":"during","sentiment":"neutral","sentiment_score":0.005595017224550247},{"word":"that","start":973.16,"end":973.39996,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00667894259095192},{"word":"that","start":973.39996,"end":973.56,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.007630009204149246},{"word":"period","start":973.56,"end":973.95996,"confidence":0.98217773,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":-0.01354440115392208},{"word":"disclose","start":973.95996,"end":974.44,"confidence":0.8964844,"punctuated_word":"disclose","sentiment":"neutral","sentiment_score":-0.024062566459178925},{"word":"the","start":974.44,"end":974.6,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05376431718468666},{"word":"fee","start":974.6,"end":975.1,"confidence":0.99902344,"punctuated_word":"fee.","sentiment":"neutral","sentiment_score":-0.041134074330329895},{"word":"our","start":986.125,"end":986.525,"confidence":0.5805664,"punctuated_word":"Our","sentiment":"neutral","sentiment_score":-0.23436792194843292},{"word":"fee","start":986.525,"end":986.925,"confidence":0.9941406,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":-0.1898796558380127},{"word":"calculation","start":986.925,"end":987.425,"confidence":1.0,"punctuated_word":"calculation","sentiment":"neutral","sentiment_score":-0.182218000292778},{"word":"didn't","start":987.725,"end":988.205,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.2099210023880005},{"word":"change","start":988.205,"end":988.705,"confidence":0.9099121,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":-0.13989472389221191},{"word":"so","start":988.845,"end":989.005,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.125249445438385},{"word":"the","start":989.005,"end":989.165,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11581619083881378},{"word":"way","start":989.165,"end":989.325,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.11411601305007936},{"word":"we","start":989.325,"end":989.825,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08934496343135834},{"word":"we","start":990.045,"end":990.205,"confidence":0.97802734,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.10434257984161376},{"word":"charge","start":990.205,"end":990.525,"confidence":0.9941406,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":-0.06328488886356354},{"word":"up","start":990.525,"end":990.685,"confidence":0.33691406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.09703438729047777},{"word":"oh","start":991.005,"end":991.085,"confidence":0.8562012,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.13005727529525757},{"word":"sorry","start":991.085,"end":991.245,"confidence":0.9909668,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.05512449890375137},{"word":"i","start":991.245,"end":991.40497,"confidence":0.99121094,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.446679025888443},{"word":"have","start":991.40497,"end":991.565,"confidence":0.95410156,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.4904800057411194},{"word":"the","start":991.565,"end":991.645,"confidence":0.63183594,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4096496105194092},{"word":"hiccups","start":991.645,"end":992.045,"confidence":0.99934894,"punctuated_word":"hiccups","sentiment":"negative","sentiment_score":-0.5592976212501526},{"word":"now","start":992.045,"end":992.445,"confidence":0.9970703,"punctuated_word":"now.","sentiment":"negative","sentiment_score":-0.5486456155776978},{"word":"the","start":992.445,"end":992.605,"confidence":0.9667969,"punctuated_word":"The","sentiment":"negative","sentiment_score":-0.35156193375587463},{"word":"way","start":992.605,"end":992.765,"confidence":1.0,"punctuated_word":"way","sentiment":"negative","sentiment_score":-0.3858233690261841},{"word":"we","start":992.765,"end":992.845,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.29551392793655396},{"word":"charge","start":992.845,"end":993.165,"confidence":0.99902344,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":-0.2528367042541504},{"word":"our","start":993.165,"end":993.325,"confidence":0.9941406,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.3070859909057617},{"word":"fees","start":993.325,"end":993.825,"confidence":0.9970703,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.3325916826725006},{"word":"is","start":993.95,"end":994.19,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2041328251361847},{"word":"based","start":994.19,"end":994.35,"confidence":1.0,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.2053494155406952},{"word":"on","start":994.35,"end":994.83,"confidence":0.9946289,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.22706279158592224},{"word":"like","start":994.83,"end":995.07,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2307661473751068},{"word":"1.65%","start":995.07,"end":996.35,"confidence":0.9819336,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":-0.2518954873085022},{"word":"of","start":996.35,"end":996.51,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.27792325615882874},{"word":"the","start":996.51,"end":996.67,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.28232020139694214},{"word":"balance","start":996.67,"end":997.17,"confidence":0.8652344,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":-0.27701878547668457},{"word":"and","start":998.51,"end":999.01,"confidence":0.9667969,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.12780670821666718},{"word":"what","start":999.15,"end":999.55,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08969071507453918},{"word":"we","start":999.55,"end":1000.02997,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.10777832567691804},{"word":"what","start":1000.02997,"end":1000.27,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.09077073633670808},{"word":"we","start":1000.27,"end":1000.77,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.10901866108179092},{"word":"used","start":1000.83,"end":1001.15,"confidence":0.9838867,"punctuated_word":"used","sentiment":"neutral","sentiment_score":-0.10606920719146729},{"word":"to","start":1001.15,"end":1001.23,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1015893891453743},{"word":"do","start":1001.23,"end":1001.39,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.11549339443445206},{"word":"is","start":1001.39,"end":1001.63,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07644543051719666},{"word":"that","start":1001.63,"end":1001.79,"confidence":0.93408203,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11608227342367172},{"word":"would","start":1001.79,"end":1002.02997,"confidence":0.98828125,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.10865568369627},{"word":"fluctuate","start":1002.02997,"end":1002.43,"confidence":1.0,"punctuated_word":"fluctuate","sentiment":"neutral","sentiment_score":-0.0764739066362381},{"word":"and","start":1002.43,"end":1002.58997,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14242148399353027},{"word":"change","start":1002.58997,"end":1002.91,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.10595881938934326},{"word":"based","start":1002.91,"end":1003.15,"confidence":0.99902344,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.11211369931697844},{"word":"on","start":1003.15,"end":1003.23,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.10893458127975464},{"word":"the","start":1003.23,"end":1003.31,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15277284383773804},{"word":"growth","start":1003.31,"end":1003.63,"confidence":0.9819336,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.13856518268585205},{"word":"of","start":1003.63,"end":1003.71,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.170846626162529},{"word":"the","start":1003.71,"end":1003.87,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1714172065258026},{"word":"account","start":1003.87,"end":1004.37,"confidence":0.9758301,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.14647361636161804},{"word":"and","start":1004.83,"end":1004.99,"confidence":0.9790039,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.100580595433712},{"word":"if","start":1004.99,"end":1005.15,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.14030411839485168},{"word":"there","start":1005.15,"end":1005.31,"confidence":0.9760742,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.18454328179359436},{"word":"was","start":1005.31,"end":1005.47,"confidence":0.96777344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.18547114729881287},{"word":"a","start":1005.47,"end":1005.55,"confidence":0.9589844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2038399279117584},{"word":"market","start":1005.55,"end":1005.87,"confidence":0.9614258,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.3771201968193054},{"word":"fall","start":1005.87,"end":1006.11,"confidence":0.9580078,"punctuated_word":"fall,","sentiment":"neutral","sentiment_score":-0.24499469995498657},{"word":"obviously","start":1006.11,"end":1006.58997,"confidence":0.9880371,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.24360895156860352},{"word":"then","start":1006.58997,"end":1006.83,"confidence":0.79052734,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.16852010786533356},{"word":"that","start":1006.83,"end":1006.99,"confidence":0.9614258,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2010883986949921},{"word":"you","start":1007.15,"end":1007.23,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1836593747138977},{"word":"know","start":1007.23,"end":1007.47,"confidence":0.9848633,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.22335714101791385},{"word":"there","start":1007.47,"end":1007.63,"confidence":0.9350586,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1847611218690872},{"word":"was","start":1007.63,"end":1007.87,"confidence":0.9951172,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.204819455742836},{"word":"a","start":1007.87,"end":1007.95,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2034834772348404},{"word":"market","start":1007.95,"end":1008.27,"confidence":0.99902344,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.2991774082183838},{"word":"fall","start":1008.27,"end":1008.645,"confidence":0.8051758,"punctuated_word":"fall,","sentiment":"neutral","sentiment_score":-0.25451257824897766},{"word":"and","start":1008.72504,"end":1008.805,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.22103251516819},{"word":"we","start":1008.805,"end":1008.885,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.20056742429733276},{"word":"would","start":1008.885,"end":1009.04504,"confidence":0.95947266,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1972337067127228},{"word":"charge","start":1009.04504,"end":1009.205,"confidence":0.99902344,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":-0.14283375442028046},{"word":"that","start":1009.205,"end":1009.445,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2805385887622833},{"word":"per","start":1009.445,"end":1009.60504,"confidence":0.47460938,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.13688601553440094},{"word":"right","start":1009.60504,"end":1009.84503,"confidence":0.3803711,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.20551244914531708},{"word":"across","start":1009.84503,"end":1010.005,"confidence":0.9941406,"punctuated_word":"across","sentiment":"neutral","sentiment_score":-0.20453336834907532},{"word":"the","start":1010.005,"end":1010.16504,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23610378801822665},{"word":"year","start":1010.16504,"end":1010.405,"confidence":0.9970703,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.20658719539642337},{"word":"what","start":1010.405,"end":1010.565,"confidence":0.97802734,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.08360698819160461},{"word":"we","start":1010.565,"end":1010.72504,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.035703472793102264},{"word":"do","start":1010.72504,"end":1010.885,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05215919762849808},{"word":"now","start":1010.885,"end":1011.125,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.038823314011096954},{"word":"is","start":1011.125,"end":1011.365,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.009391747415065764},{"word":"we","start":1011.365,"end":1011.525,"confidence":0.9921875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02820957452058792},{"word":"actually","start":1011.525,"end":1011.68506,"confidence":0.96533203,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.03952989727258682},{"word":"based","start":1011.84503,"end":1012.16504,"confidence":1.0,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.04389950633049011},{"word":"on","start":1012.16504,"end":1012.325,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08169540762901306},{"word":"the","start":1012.325,"end":1012.405,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06562943011522293},{"word":"date","start":1012.405,"end":1012.905,"confidence":0.96972656,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.05936601758003235},{"word":"that","start":1013.205,"end":1013.445,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07286568731069565},{"word":"we","start":1013.445,"end":1013.525,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07835456728935242},{"word":"make","start":1013.525,"end":1013.765,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.09232738614082336},{"word":"the","start":1013.765,"end":1013.92505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08028040826320648},{"word":"recommendation","start":1013.92505,"end":1014.42505,"confidence":0.99853516,"punctuated_word":"recommendation,","sentiment":"neutral","sentiment_score":0.07765988260507584},{"word":"we","start":1015.525,"end":1016.025,"confidence":0.9472656,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06008754298090935},{"word":"calculate","start":1016.16504,"end":1016.66504,"confidence":1.0,"punctuated_word":"calculate","sentiment":"neutral","sentiment_score":0.02189665287733078},{"word":"1.65%","start":1016.965,"end":1018.005,"confidence":0.9717773,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.02678464353084564},{"word":"of","start":1018.005,"end":1018.16504,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03476410359144211},{"word":"the","start":1018.16504,"end":1018.245,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021308474242687225},{"word":"account","start":1018.245,"end":1018.565,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.016287505626678467},{"word":"balance","start":1018.565,"end":1019.065,"confidence":0.8679199,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.010729348286986353},{"word":"and","start":1019.205,"end":1019.365,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06647098064422607},{"word":"we","start":1019.365,"end":1019.60504,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.056011684238910675},{"word":"just","start":1019.60504,"end":1019.84503,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07209145277738571},{"word":"set","start":1019.84503,"end":1020.085,"confidence":1.0,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.1087101623415947},{"word":"that","start":1020.085,"end":1020.325,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07488416135311127},{"word":"as","start":1020.325,"end":1020.48505,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09374701231718063},{"word":"the","start":1020.48505,"end":1020.645,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07030193507671356},{"word":"account","start":1020.645,"end":1020.885,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.002007387578487396},{"word":"fee","start":1020.885,"end":1021.04504,"confidence":0.9748535,"punctuated_word":"fee.","sentiment":"neutral","sentiment_score":0.028843112289905548},{"word":"so","start":1021.04504,"end":1021.205,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09813479334115982},{"word":"it","start":1021.205,"end":1021.28503,"confidence":0.9013672,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13445092737674713},{"word":"means","start":1021.28503,"end":1021.445,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.05091018974781037},{"word":"that","start":1021.445,"end":1021.60504,"confidence":0.9658203,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08351079374551773},{"word":"it","start":1021.60504,"end":1021.685,"confidence":0.9770508,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13378064334392548},{"word":"doesn't","start":1021.685,"end":1022.005,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.09599196910858154},{"word":"fluctuate","start":1022.005,"end":1022.325,"confidence":0.9609375,"punctuated_word":"fluctuate.","sentiment":"neutral","sentiment_score":-0.015798170119524002},{"word":"you","start":1022.325,"end":1022.48505,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.0166914165019989},{"word":"know","start":1022.48505,"end":1022.645,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.03879315406084061},{"word":"exactly","start":1022.645,"end":1022.965,"confidence":0.9819336,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.07674814760684967},{"word":"what's","start":1022.965,"end":1023.205,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.014436773955821993},{"word":"coming","start":1023.205,"end":1023.445,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.0032181143760681152},{"word":"out","start":1023.445,"end":1023.60504,"confidence":0.984375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.043082140386104584},{"word":"month","start":1023.60504,"end":1023.765,"confidence":0.9970703,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.042333513498306274},{"word":"to","start":1023.765,"end":1023.84503,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03525147587060928},{"word":"month","start":1023.84503,"end":1024.23,"confidence":0.8276367,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":0.03029610216617584},{"word":"and","start":1025.27,"end":1025.75,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04227861016988754},{"word":"and","start":1025.75,"end":1025.99,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02467823028564453},{"word":"and","start":1025.99,"end":1026.23,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.009814314544200895},{"word":"that's","start":1026.23,"end":1026.47,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.00011017670476576312},{"word":"that's","start":1026.47,"end":1026.79,"confidence":0.99658203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.002094576833769679},{"word":"sort","start":1026.79,"end":1026.95,"confidence":0.9980469,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.02094019204378128},{"word":"of","start":1026.95,"end":1027.03,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.024292059242725372},{"word":"how","start":1027.03,"end":1027.27,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.07618162781000137},{"word":"it","start":1027.27,"end":1027.35,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08384579420089722},{"word":"goes","start":1027.35,"end":1027.75,"confidence":0.9995117,"punctuated_word":"goes.","sentiment":"neutral","sentiment_score":0.021524373441934586},{"word":"so","start":1027.75,"end":1027.8301,"confidence":0.6713867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02907571941614151},{"word":"it","start":1027.8301,"end":1027.91,"confidence":0.9165039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12323062866926192},{"word":"means","start":1027.91,"end":1028.15,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.023706093430519104},{"word":"as","start":1028.15,"end":1028.3099,"confidence":0.94384766,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12985500693321228},{"word":"your","start":1028.3099,"end":1028.47,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15560780465602875},{"word":"account","start":1028.47,"end":1028.71,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.010873064398765564},{"word":"balance","start":1028.71,"end":1028.95,"confidence":0.9863281,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.09093958139419556},{"word":"increases","start":1028.95,"end":1029.4299,"confidence":0.99316406,"punctuated_word":"increases,","sentiment":"neutral","sentiment_score":0.16415849328041077},{"word":"as","start":1029.4299,"end":1029.59,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1752602756023407},{"word":"your","start":1029.59,"end":1029.83,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17055773735046387},{"word":"contributions","start":1029.83,"end":1030.33,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.13167637586593628},{"word":"keep","start":1030.5499,"end":1030.79,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.10044185817241667},{"word":"getting","start":1030.79,"end":1030.95,"confidence":0.9970703,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.15033729374408722},{"word":"added","start":1030.95,"end":1031.27,"confidence":0.9760742,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.1497681736946106},{"word":"to","start":1031.27,"end":1031.4299,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23063388466835025},{"word":"the","start":1031.4299,"end":1031.51,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09465452283620834},{"word":"account","start":1031.51,"end":1031.75,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.042261213064193726},{"word":"and","start":1031.75,"end":1031.91,"confidence":0.6044922,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1256139874458313},{"word":"you","start":1031.91,"end":1031.99,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12234289199113846},{"word":"have","start":1031.99,"end":1032.15,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1921572238206863},{"word":"that","start":1032.15,"end":1032.39,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.053462669253349304},{"word":"growth","start":1032.39,"end":1032.89,"confidence":0.92041016,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":-0.012677714228630066},{"word":"the","start":1033.51,"end":1033.6699,"confidence":0.9560547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03799988329410553},{"word":"account","start":1033.6699,"end":1034.07,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.22753088176250455},{"word":"balance","start":1034.07,"end":1034.47,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.2333078235387802},{"word":"doesn't","start":1034.47,"end":1034.71,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.05540324002504349},{"word":"change","start":1034.71,"end":1034.95,"confidence":0.96118164,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":-0.06605404615402222},{"word":"so","start":1034.95,"end":1035.11,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24528726935386655},{"word":"it","start":1035.11,"end":1035.27,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3714593052864074},{"word":"works","start":1035.27,"end":1035.51,"confidence":0.9970703,"punctuated_word":"works","sentiment":"positive","sentiment_score":0.4029311239719391},{"word":"out","start":1035.51,"end":1035.91,"confidence":1.0,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4685317873954773},{"word":"generally","start":1035.91,"end":1036.3099,"confidence":0.8408203,"punctuated_word":"generally","sentiment":"positive","sentiment_score":0.39587950706481934},{"word":"a","start":1036.3099,"end":1036.47,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.44045352935791016},{"word":"lot","start":1036.47,"end":1036.63,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.49845826625823975},{"word":"better","start":1036.63,"end":1036.95,"confidence":1.0,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.3979985117912293},{"word":"for","start":1036.95,"end":1037.03,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3929494321346283},{"word":"you","start":1037.03,"end":1037.53,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2257344126701355},{"word":"yeah","start":1052.045,"end":1052.525,"confidence":0.71691895,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.015785064548254013},{"word":"yeah","start":1052.525,"end":1052.97,"confidence":0.9091797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04042637720704079},{"word":"yes","start":1056.1699,"end":1056.49,"confidence":0.84594727,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06832009553909302},{"word":"yeah","start":1056.49,"end":1056.8099,"confidence":0.9663086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.060366466641426086},{"word":"so","start":1056.8099,"end":1057.21,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0716860443353653},{"word":"on","start":1057.21,"end":1057.37,"confidence":0.9013672,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.049236103892326355},{"word":"that","start":1057.37,"end":1057.61,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06689003109931946},{"word":"side","start":1057.61,"end":1057.9299,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.05444398522377014},{"word":"is","start":1057.9299,"end":1058.09,"confidence":0.8413086,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06589145958423615},{"word":"that","start":1058.09,"end":1058.33,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0868043601512909},{"word":"if","start":1058.33,"end":1058.65,"confidence":0.984375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0840003490447998},{"word":"the","start":1058.65,"end":1058.89,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04704543575644493},{"word":"account","start":1058.89,"end":1059.21,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.004664912819862366},{"word":"balance","start":1059.21,"end":1059.61,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.014633037149906158},{"word":"did","start":1059.61,"end":1060.01,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.04586532711982727},{"word":"did","start":1060.01,"end":1060.25,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.03953216969966888},{"word":"drop","start":1060.25,"end":1060.75,"confidence":0.99609375,"punctuated_word":"drop,","sentiment":"neutral","sentiment_score":0.03882236406207085},{"word":"our","start":1061.13,"end":1061.45,"confidence":0.9116211,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.08093607425689697},{"word":"fee","start":1061.45,"end":1061.61,"confidence":0.99902344,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.05474899709224701},{"word":"doesn't","start":1061.61,"end":1061.9299,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.04170924425125122},{"word":"drop","start":1061.9299,"end":1062.1699,"confidence":1.0,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.04039352387189865},{"word":"with","start":1062.1699,"end":1062.33,"confidence":0.97802734,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.01900102198123932},{"word":"that","start":1062.33,"end":1062.57,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.009435810148715971},{"word":"side","start":1062.57,"end":1063.07,"confidence":0.9941406,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":-0.003631744533777237},{"word":"there","start":1068.855,"end":1069.095,"confidence":0.61816406,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.10146717727184296},{"word":"there","start":1069.095,"end":1069.495,"confidence":0.9453125,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1433268040418625},{"word":"has","start":1069.495,"end":1069.655,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.18998774886131287},{"word":"definitely","start":1069.655,"end":1069.975,"confidence":1.0,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.14177025854587555},{"word":"been","start":1069.975,"end":1070.295,"confidence":0.99609375,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.1538425236940384},{"word":"fluctuation","start":1070.295,"end":1070.795,"confidence":0.94262695,"punctuated_word":"fluctuation","sentiment":"neutral","sentiment_score":-0.22303074598312375},{"word":"to","start":1070.855,"end":1071.015,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.26067453622817993},{"word":"it","start":1071.015,"end":1071.175,"confidence":0.8388672,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.2472708523273468},{"word":"don't","start":1071.175,"end":1071.415,"confidence":1.0,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.1716688573360443},{"word":"get","start":1071.415,"end":1071.655,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.10679667443037032},{"word":"me","start":1071.655,"end":1071.895,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.17128336429595947},{"word":"wrong","start":1071.895,"end":1072.295,"confidence":0.83935547,"punctuated_word":"wrong,","sentiment":"neutral","sentiment_score":-0.15599167346954346},{"word":"but","start":1072.295,"end":1072.535,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.13613422214984894},{"word":"i","start":1072.535,"end":1072.615,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15988270938396454},{"word":"wouldn't","start":1072.615,"end":1072.855,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.12766021490097046},{"word":"say","start":1072.855,"end":1073.095,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.14056769013404846},{"word":"that","start":1073.095,"end":1073.175,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1547398567199707},{"word":"there's","start":1073.175,"end":1073.415,"confidence":0.9975586,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.1656661033630371},{"word":"been","start":1073.415,"end":1073.655,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.13530972599983215},{"word":"a","start":1073.655,"end":1073.815,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1646481156349182},{"word":"significant","start":1073.815,"end":1074.315,"confidence":1.0,"punctuated_word":"significant","sentiment":"neutral","sentiment_score":-0.22573569416999817},{"word":"drop","start":1074.375,"end":1074.875,"confidence":0.99902344,"punctuated_word":"drop.","sentiment":"neutral","sentiment_score":-0.2253564745187759},{"word":"yes","start":1078.855,"end":1079.355,"confidence":0.8166504,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.044296931475400925},{"word":"there's","start":1081.175,"end":1081.495,"confidence":0.9030762,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.11901234090328217},{"word":"been","start":1081.495,"end":1081.995,"confidence":0.99316406,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.0912262350320816},{"word":"there's","start":1082.0549,"end":1082.375,"confidence":0.97998047,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.1116425320506096},{"word":"been","start":1082.375,"end":1082.615,"confidence":0.9941406,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.07857203483581543},{"word":"moments","start":1082.615,"end":1082.9349,"confidence":0.99609375,"punctuated_word":"moments","sentiment":"neutral","sentiment_score":-0.0762266293168068},{"word":"where","start":1082.9349,"end":1083.095,"confidence":0.96533203,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.0916704684495926},{"word":"it's","start":1083.095,"end":1083.335,"confidence":0.88720703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1397056132555008},{"word":"dropped","start":1083.335,"end":1083.655,"confidence":0.9863281,"punctuated_word":"dropped,","sentiment":"neutral","sentiment_score":-0.15436360239982605},{"word":"but","start":1083.655,"end":1083.895,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1339535415172577},{"word":"it","start":1083.895,"end":1083.975,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.19589439034461975},{"word":"hasn't","start":1083.975,"end":1084.475,"confidence":1.0,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.1701659858226776},{"word":"ever","start":1084.85,"end":1085.01,"confidence":0.9980469,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.13230223953723907},{"word":"dropped","start":1085.01,"end":1085.41,"confidence":0.9970703,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.15363791584968567},{"word":"and","start":1085.41,"end":1085.49,"confidence":0.83251953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.18565519154071808},{"word":"not","start":1085.49,"end":1085.73,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.202743262052536},{"word":"recovered","start":1085.73,"end":1086.13,"confidence":0.8322754,"punctuated_word":"recovered,","sentiment":"neutral","sentiment_score":-0.2003048360347748},{"word":"if","start":1086.13,"end":1086.29,"confidence":0.9921875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11714206635951996},{"word":"that","start":1086.29,"end":1086.37,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09832877665758132},{"word":"makes","start":1086.37,"end":1086.6901,"confidence":0.95410156,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.09731648117303848},{"word":"sense","start":1086.6901,"end":1087.1901,"confidence":0.9453125,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.1130751296877861},{"word":"yeah","start":1088.61,"end":1089.0901,"confidence":0.9550781,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02532532624900341},{"word":"yeah","start":1089.0901,"end":1089.5901,"confidence":0.97680664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04943858087062836},{"word":"yes","start":1089.81,"end":1090.13,"confidence":0.99609375,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07385559380054474},{"word":"yeah","start":1090.13,"end":1090.4501,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07529138028621674},{"word":"definitely","start":1090.4501,"end":1090.85,"confidence":0.83935547,"punctuated_word":"Definitely","sentiment":"neutral","sentiment_score":0.08597368001937866},{"word":"recovered","start":1090.85,"end":1091.35,"confidence":0.9946289,"punctuated_word":"recovered.","sentiment":"neutral","sentiment_score":0.04361835494637489},{"word":"the","start":1092.05,"end":1092.2101,"confidence":0.57421875,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.007799066603183746},{"word":"like","start":1092.29,"end":1092.53,"confidence":0.98950195,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.024215031415224075},{"word":"the","start":1092.53,"end":1092.6901,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0296013280749321},{"word":"account","start":1092.6901,"end":1093.0901,"confidence":0.9970703,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.02040191739797592},{"word":"does","start":1093.0901,"end":1093.25,"confidence":0.95166016,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.030874691903591156},{"word":"fluctuate","start":1093.25,"end":1093.75,"confidence":0.84277344,"punctuated_word":"fluctuate.","sentiment":"neutral","sentiment_score":0.02172103524208069},{"word":"no","start":1098.37,"end":1098.87,"confidence":0.8581543,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13868923485279083},{"word":"yeah","start":1099.205,"end":1099.365,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.034084465354681015},{"word":"no","start":1099.365,"end":1099.845,"confidence":0.99853516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11150486767292024},{"word":"it","start":1099.845,"end":1100.085,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.04614044725894928},{"word":"it","start":1100.085,"end":1100.245,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0013138055801391602},{"word":"has","start":1100.245,"end":1100.485,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.015218600630760191},{"word":"recovered","start":1100.485,"end":1100.985,"confidence":1.0,"punctuated_word":"recovered","sentiment":"neutral","sentiment_score":0.021701380610466003},{"word":"quite","start":1101.685,"end":1102.005,"confidence":0.9267578,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.16699597239494324},{"word":"well","start":1102.005,"end":1102.505,"confidence":0.9970703,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.14662006497383118},{"word":"like","start":1102.885,"end":1103.125,"confidence":0.87402344,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.13714760541915894},{"word":"casper's","start":1103.125,"end":1103.625,"confidence":0.87858075,"punctuated_word":"Casper's","sentiment":"neutral","sentiment_score":0.12735700607299805},{"word":"only","start":1103.685,"end":1104.005,"confidence":0.99316406,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.017700985074043274},{"word":"been","start":1104.005,"end":1104.405,"confidence":0.9838867,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.05361000448465347},{"word":"with","start":1104.405,"end":1104.645,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02722218632698059},{"word":"his","start":1104.645,"end":1104.885,"confidence":0.99902344,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.037955474108457565},{"word":"hub","start":1104.885,"end":1105.125,"confidence":0.5830078,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.08006809651851654},{"word":"twenty","start":1105.125,"end":1105.365,"confidence":0.9741211,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.05450516939163208},{"word":"four","start":1105.365,"end":1105.685,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.03077201545238495},{"word":"account","start":1105.685,"end":1106.185,"confidence":0.9980469,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.00462041050195694},{"word":"for","start":1106.485,"end":1106.985,"confidence":0.9746094,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.010596539825201036},{"word":"like","start":1108.485,"end":1108.725,"confidence":0.9692383,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.014356404542922974},{"word":"a","start":1108.725,"end":1108.885,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02938850969076157},{"word":"month","start":1108.885,"end":1109.285,"confidence":0.99902344,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.012176740914583206},{"word":"now","start":1109.285,"end":1109.765,"confidence":0.98706055,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.03162405639886856},{"word":"yeah","start":1109.765,"end":1110.085,"confidence":0.9836426,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04941127449274063},{"word":"a","start":1110.085,"end":1110.165,"confidence":0.9980469,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.02806198038160801},{"word":"month","start":1110.165,"end":1110.665,"confidence":0.9350586,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.04147692397236824},{"word":"a","start":1111.915,"end":1112.165,"confidence":0.9291992,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.030694829300045967},{"word":"month","start":1112.165,"end":1112.485,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.04012076556682587},{"word":"tomorrow","start":1112.485,"end":1112.985,"confidence":0.99902344,"punctuated_word":"tomorrow.","sentiment":"neutral","sentiment_score":0.04201987013220787},{"word":"previously","start":1114.25,"end":1114.75,"confidence":0.9941406,"punctuated_word":"Previously,","sentiment":"neutral","sentiment_score":-0.004281400702893734},{"word":"he","start":1115.77,"end":1115.85,"confidence":0.9902344,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.020436959341168404},{"word":"was","start":1115.85,"end":1116.01,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.005722749978303909},{"word":"with","start":1116.01,"end":1116.33,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0013919472694396973},{"word":"netwealth","start":1116.33,"end":1116.83,"confidence":0.8666992,"punctuated_word":"Netwealth,","sentiment":"neutral","sentiment_score":0.03522677347064018},{"word":"and","start":1117.37,"end":1117.5299,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03415357694029808},{"word":"i","start":1117.5299,"end":1118.0299,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03944934904575348},{"word":"have","start":1118.09,"end":1118.33,"confidence":0.95410156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05525784939527512},{"word":"had","start":1118.33,"end":1118.4099,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.034436263144016266},{"word":"a","start":1118.4099,"end":1118.49,"confidence":0.9370117,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05193830281496048},{"word":"look","start":1118.49,"end":1118.73,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.01545003429055214},{"word":"at","start":1118.73,"end":1118.8099,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.010064564645290376},{"word":"that","start":1118.8099,"end":1118.97,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.027101345360279083},{"word":"account","start":1118.97,"end":1119.21,"confidence":0.9399414,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.016183245927095413},{"word":"and","start":1119.21,"end":1119.45,"confidence":0.951416,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.06732609868049622},{"word":"yeah","start":1119.45,"end":1119.69,"confidence":0.98706055,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.07754650712013245},{"word":"it","start":1119.69,"end":1119.9299,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07205460965633392},{"word":"it","start":1119.9299,"end":1120.25,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09317277371883392},{"word":"it","start":1120.25,"end":1120.6499,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11428366601467133},{"word":"would","start":1120.6499,"end":1121.1499,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1467563360929489},{"word":"would","start":1121.45,"end":1121.69,"confidence":0.9707031,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.13284333050251007},{"word":"drop","start":1121.69,"end":1121.9299,"confidence":0.99902344,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.13561514019966123},{"word":"and","start":1121.9299,"end":1122.1699,"confidence":0.92822266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.30422165989875793},{"word":"recover","start":1122.1699,"end":1122.6699,"confidence":1.0,"punctuated_word":"recover","sentiment":"neutral","sentiment_score":-0.1480500102043152},{"word":"and","start":1123.37,"end":1123.69,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2099037766456604},{"word":"make","start":1123.69,"end":1124.09,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.1962064504623413},{"word":"more","start":1124.09,"end":1124.59,"confidence":1.0,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":-0.18752235174179077},{"word":"it","start":1125.21,"end":1125.37,"confidence":0.99316406,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.18247996270656583},{"word":"never","start":1125.37,"end":1125.69,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.18499180674552915},{"word":"went","start":1125.69,"end":1125.85,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.22214627265930176},{"word":"through","start":1125.85,"end":1126.09,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.20673713088035583},{"word":"a","start":1126.09,"end":1126.1699,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2149943709373474},{"word":"period","start":1126.1699,"end":1126.49,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.16949646174907684},{"word":"of","start":1126.49,"end":1126.57,"confidence":0.97314453,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.24085021018981936},{"word":"time","start":1126.57,"end":1126.8099,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.2157381922006607},{"word":"where","start":1126.8099,"end":1126.97,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.1830321103334427},{"word":"it","start":1126.97,"end":1127.13,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2357524931430817},{"word":"didn't","start":1127.13,"end":1127.45,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.2239343374967575},{"word":"recover","start":1127.45,"end":1127.9299,"confidence":1.0,"punctuated_word":"recover","sentiment":"neutral","sentiment_score":-0.21039409935474396},{"word":"or","start":1127.9299,"end":1128.1699,"confidence":0.9980469,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.34589940309524536},{"word":"didn't","start":1128.1699,"end":1128.645,"confidence":0.9975586,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.2592167854309082},{"word":"didn't","start":1129.045,"end":1129.365,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.2988151013851166},{"word":"make","start":1129.365,"end":1129.605,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.3298940658569336},{"word":"money","start":1129.605,"end":1130.105,"confidence":0.99609375,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.24537429213523865},{"word":"don't","start":1130.5651,"end":1130.725,"confidence":0.97143555,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.1656598150730133},{"word":"be","start":1130.725,"end":1130.885,"confidence":0.9472656,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15052378177642822},{"word":"wrong","start":1130.885,"end":1131.125,"confidence":0.94433594,"punctuated_word":"wrong.","sentiment":"neutral","sentiment_score":-0.11775259673595428},{"word":"there","start":1131.125,"end":1131.285,"confidence":0.9970703,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.13943347334861755},{"word":"there","start":1131.285,"end":1131.4451,"confidence":0.99121094,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1302357017993927},{"word":"were","start":1131.4451,"end":1131.765,"confidence":0.99609375,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.10558757930994034},{"word":"periods","start":1131.765,"end":1132.085,"confidence":0.60791016,"punctuated_word":"periods","sentiment":"neutral","sentiment_score":-0.1170547753572464},{"word":"of","start":1132.085,"end":1132.165,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1718045175075531},{"word":"time","start":1132.165,"end":1132.485,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.13798142969608307},{"word":"there","start":1132.485,"end":1132.725,"confidence":0.8745117,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.13308681547641754},{"word":"that","start":1132.725,"end":1133.045,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12708355486392975},{"word":"it","start":1133.045,"end":1133.2051,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1819872409105301},{"word":"did","start":1133.2051,"end":1133.4451,"confidence":0.9951172,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.128290057182312},{"word":"sort","start":1133.4451,"end":1133.605,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.18230704963207245},{"word":"of","start":1133.605,"end":1133.765,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16669663786888125},{"word":"drop","start":1133.765,"end":1134.005,"confidence":0.9428711,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.1964762806892395},{"word":"for","start":1134.005,"end":1134.245,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.24916906654834747},{"word":"a","start":1134.245,"end":1134.3251,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2142207622528076},{"word":"few","start":1134.3251,"end":1134.5651,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.2274700552225113},{"word":"months","start":1134.5651,"end":1135.0651,"confidence":0.95825195,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":-0.20968924462795255},{"word":"but","start":1135.925,"end":1136.085,"confidence":0.8989258,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.09171734005212784},{"word":"it","start":1136.085,"end":1136.3251,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.048556849360466},{"word":"always","start":1136.3251,"end":1136.8251,"confidence":0.9980469,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.03937883675098419},{"word":"recovered","start":1136.965,"end":1137.465,"confidence":0.93603516,"punctuated_word":"recovered","sentiment":"neutral","sentiment_score":-0.0591052919626236},{"word":"and","start":1137.525,"end":1137.845,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03923949599266052},{"word":"and","start":1137.845,"end":1138.165,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.012375935912132263},{"word":"made","start":1138.165,"end":1138.665,"confidence":0.9995117,"punctuated_word":"made.","sentiment":"neutral","sentiment_score":-0.10317303240299223},{"word":"that's","start":1144.245,"end":1144.62,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.18498991429805756},{"word":"okay","start":1153.9,"end":1154.4,"confidence":0.9941406,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.24383117258548737},{"word":"yeah","start":1154.94,"end":1155.44,"confidence":0.83081055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07524004578590393},{"word":"yeah","start":1158.585,"end":1159.085,"confidence":0.9765625,"punctuated_word":"Yeah,","sentiment":"neutral","sentiment_score":-0.011726908385753632},{"word":"i","start":1160.585,"end":1160.745,"confidence":0.87841797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.015066586434841156},{"word":"know","start":1160.745,"end":1161.065,"confidence":0.94921875,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.020365241914987564},{"word":"casper","start":1161.065,"end":1161.385,"confidence":0.87768555,"punctuated_word":"Casper","sentiment":"neutral","sentiment_score":0.08693481981754303},{"word":"and","start":1161.385,"end":1161.5449,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09301555156707764},{"word":"i","start":1161.5449,"end":1161.705,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07672915607690811},{"word":"actually","start":1161.705,"end":1161.945,"confidence":0.9921875,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.0824747160077095},{"word":"spoke","start":1161.945,"end":1162.1849,"confidence":1.0,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.08257891237735748},{"word":"about","start":1162.1849,"end":1162.6649,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10119957476854324},{"word":"your","start":1162.6649,"end":1162.9049,"confidence":0.83203125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10938107222318648},{"word":"side","start":1162.9049,"end":1163.145,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.11441613733768465},{"word":"of","start":1163.145,"end":1163.225,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08761054277420044},{"word":"things","start":1163.225,"end":1163.725,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07373896986246109},{"word":"last","start":1164.585,"end":1164.985,"confidence":0.94384766,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.07735788822174072},{"word":"thursday","start":1164.985,"end":1165.465,"confidence":1.0,"punctuated_word":"Thursday","sentiment":"neutral","sentiment_score":0.08860534429550171},{"word":"when","start":1165.465,"end":1165.705,"confidence":0.9951172,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08027482032775879},{"word":"we","start":1165.705,"end":1165.7849,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09039409458637238},{"word":"spoke","start":1165.7849,"end":1166.105,"confidence":0.8947754,"punctuated_word":"spoke,","sentiment":"neutral","sentiment_score":0.08068505674600601},{"word":"and","start":1166.105,"end":1166.345,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06606866419315338},{"word":"and","start":1166.345,"end":1166.505,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06586436927318573},{"word":"he","start":1166.505,"end":1166.6649,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.1001765802502632},{"word":"did","start":1166.6649,"end":1166.825,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.08417090028524399},{"word":"tell","start":1166.825,"end":1167.065,"confidence":1.0,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.1032756119966507},{"word":"me","start":1167.065,"end":1167.225,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08332174271345139},{"word":"that","start":1167.225,"end":1167.725,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07656531035900116},{"word":"he","start":1167.7849,"end":1167.945,"confidence":0.97509766,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.0761917382478714},{"word":"was","start":1167.945,"end":1168.105,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.045778676867485046},{"word":"likely","start":1168.105,"end":1168.345,"confidence":0.69873047,"punctuated_word":"likely","sentiment":"neutral","sentiment_score":0.0616275817155838},{"word":"gonna","start":1168.345,"end":1168.585,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.06675645709037781},{"word":"give","start":1168.585,"end":1168.745,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.0577855110168457},{"word":"me","start":1168.745,"end":1168.825,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05980671942234039},{"word":"a","start":1168.825,"end":1168.985,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08262135833501816},{"word":"call","start":1168.985,"end":1169.225,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.10853084921836852},{"word":"this","start":1169.225,"end":1169.3049,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08935984969139099},{"word":"morning","start":1169.3049,"end":1169.705,"confidence":0.8737793,"punctuated_word":"morning.","sentiment":"neutral","sentiment_score":0.092390276491642},{"word":"so","start":1169.705,"end":1170.0249,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05058201402425766},{"word":"i","start":1170.0249,"end":1170.1849,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05007395148277283},{"word":"wasn't","start":1170.1849,"end":1170.505,"confidence":1.0,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":0.01081598363816738},{"word":"shocked","start":1170.505,"end":1171.005,"confidence":0.99902344,"punctuated_word":"shocked","sentiment":"neutral","sentiment_score":-0.02288225293159485},{"word":"when","start":1171.3049,"end":1171.705,"confidence":0.9941406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.019761279225349423},{"word":"when","start":1171.705,"end":1172.205,"confidence":0.7705078,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.017360948026180267},{"word":"when","start":1172.49,"end":1172.61,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04201186448335648},{"word":"the","start":1172.61,"end":1172.73,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0771217867732048},{"word":"team","start":1172.73,"end":1173.13,"confidence":0.9951172,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.08234453201293945},{"word":"said","start":1173.13,"end":1173.21,"confidence":0.99902344,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.10317479074001312},{"word":"that","start":1173.21,"end":1173.37,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07192718237638474},{"word":"you","start":1173.37,"end":1173.53,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06094801425933838},{"word":"were","start":1173.53,"end":1173.61,"confidence":0.7158203,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.019203491508960724},{"word":"giving","start":1173.61,"end":1173.93,"confidence":0.9941406,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.04266964644193649},{"word":"that","start":1174.01,"end":1174.17,"confidence":0.49658203,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09402047097682951},{"word":"you","start":1174.17,"end":1174.33,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09082985669374466},{"word":"were","start":1174.33,"end":1174.49,"confidence":0.984375,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.05801894515752792},{"word":"there","start":1174.49,"end":1174.99,"confidence":0.986084,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.08330565690994263},{"word":"but","start":1175.29,"end":1175.45,"confidence":0.8881836,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2858832776546478},{"word":"i'd","start":1175.45,"end":1175.69,"confidence":0.97143555,"punctuated_word":"I'd","sentiment":"positive","sentiment_score":0.4214067459106446},{"word":"be","start":1175.69,"end":1175.77,"confidence":0.98828125,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.42376047372817993},{"word":"more","start":1175.77,"end":1175.93,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.5310954451560974},{"word":"than","start":1175.93,"end":1176.09,"confidence":0.99902344,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.5863425135612488},{"word":"happy","start":1176.09,"end":1176.49,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5716814994812012},{"word":"to","start":1176.49,"end":1176.65,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5013773441314697},{"word":"have","start":1176.65,"end":1177.05,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.45665672421455383},{"word":"a","start":1177.05,"end":1177.21,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4607565999031067},{"word":"a","start":1177.21,"end":1177.45,"confidence":0.9633789,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4653252959251404},{"word":"a","start":1177.45,"end":1177.61,"confidence":0.8798828,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.40724483132362366},{"word":"conversation","start":1177.61,"end":1177.93,"confidence":0.9980469,"punctuated_word":"conversation","sentiment":"positive","sentiment_score":0.42814189195632935},{"word":"with","start":1177.93,"end":1178.17,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4533564448356629},{"word":"you","start":1178.17,"end":1178.67,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4446927011013031},{"word":"to","start":1179.05,"end":1179.29,"confidence":0.80322266,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3962404131889343},{"word":"be","start":1179.29,"end":1179.37,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.34282252192497253},{"word":"able","start":1179.37,"end":1179.61,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.3798590898513794},{"word":"to","start":1179.61,"end":1179.69,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.39287111163139343},{"word":"go","start":1179.69,"end":1179.85,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3774981200695038},{"word":"through","start":1179.85,"end":1180.09,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.48784640431404114},{"word":"and","start":1180.09,"end":1180.25,"confidence":0.9892578,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.44353362917900085},{"word":"just","start":1180.25,"end":1180.73,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4304106831550598},{"word":"get","start":1180.73,"end":1180.89,"confidence":0.99121094,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.41935670375823975},{"word":"a","start":1180.89,"end":1180.97,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.44567033648490906},{"word":"bit","start":1180.97,"end":1181.13,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4004896581172943},{"word":"of","start":1181.13,"end":1181.29,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.485162615776062},{"word":"information","start":1181.29,"end":1181.79,"confidence":0.99902344,"punctuated_word":"information.","sentiment":"positive","sentiment_score":0.4146814942359924},{"word":"so","start":1182.01,"end":1182.17,"confidence":0.9980469,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.35520830750465393},{"word":"our","start":1182.17,"end":1182.33,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.3186032474040985},{"word":"initial","start":1182.33,"end":1182.73,"confidence":1.0,"punctuated_word":"initial","sentiment":"neutral","sentiment_score":0.32432669401168823},{"word":"consultation's","start":1182.73,"end":1183.23,"confidence":0.7607422,"punctuated_word":"consultation's","sentiment":"positive","sentiment_score":0.3889559507369995},{"word":"complimentary","start":1183.37,"end":1183.87,"confidence":0.9650879,"punctuated_word":"complimentary.","sentiment":"positive","sentiment_score":0.3782697916030884},{"word":"we","start":1184.25,"end":1184.75,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.3289380967617035},{"word":"we","start":1185.53,"end":1185.69,"confidence":0.9741211,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.36011290550231934},{"word":"just","start":1185.69,"end":1185.93,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3665502667427063},{"word":"go","start":1185.93,"end":1186.09,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.34293150901794434},{"word":"through","start":1186.09,"end":1186.33,"confidence":0.91625977,"punctuated_word":"through,","sentiment":"positive","sentiment_score":0.3407503366470337},{"word":"have","start":1186.33,"end":1186.49,"confidence":0.9970703,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.34310382604599},{"word":"a","start":1186.49,"end":1186.57,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32864677906036377},{"word":"discussion","start":1186.57,"end":1187.05,"confidence":1.0,"punctuated_word":"discussion","sentiment":"positive","sentiment_score":0.3699775636196137},{"word":"about","start":1187.05,"end":1187.29,"confidence":1.0,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.3904695510864258},{"word":"what","start":1187.29,"end":1187.53,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.40377077460289},{"word":"your","start":1187.53,"end":1188.03,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3601761758327484},{"word":"goals","start":1188.2051,"end":1188.4451,"confidence":1.0,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.3212796747684479},{"word":"are","start":1188.4451,"end":1188.525,"confidence":0.99121094,"punctuated_word":"are,","sentiment":"positive","sentiment_score":0.3805416524410248},{"word":"what","start":1188.525,"end":1188.685,"confidence":0.99902344,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4648473858833313},{"word":"you're","start":1188.685,"end":1188.765,"confidence":0.9807129,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3893365859985352},{"word":"wanting","start":1188.765,"end":1189.0851,"confidence":0.92822266,"punctuated_word":"wanting","sentiment":"positive","sentiment_score":0.4254616498947144},{"word":"to","start":1189.0851,"end":1189.245,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3801046013832092},{"word":"achieve","start":1189.245,"end":1189.745,"confidence":0.99560547,"punctuated_word":"achieve.","sentiment":"positive","sentiment_score":0.37217921018600464},{"word":"the","start":1189.805,"end":1190.045,"confidence":1.0,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.4834105372428894},{"word":"cool","start":1190.045,"end":1190.2051,"confidence":1.0,"punctuated_word":"cool","sentiment":"positive","sentiment_score":0.643644392490387},{"word":"thing","start":1190.2051,"end":1190.365,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.5914521217346191},{"word":"is","start":1190.365,"end":1190.525,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5290850400924683},{"word":"is","start":1190.525,"end":1190.6051,"confidence":0.6801758,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.522465169429779},{"word":"because","start":1190.6051,"end":1190.925,"confidence":0.9819336,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.4763776361942291},{"word":"casper's","start":1190.925,"end":1191.3251,"confidence":0.85465497,"punctuated_word":"Casper's","sentiment":"positive","sentiment_score":0.5640631914138794},{"word":"already","start":1191.3251,"end":1191.5651,"confidence":0.9970703,"punctuated_word":"already","sentiment":"positive","sentiment_score":0.5946961045265198},{"word":"a","start":1191.5651,"end":1191.7251,"confidence":0.99609375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.504658579826355},{"word":"client","start":1191.7251,"end":1192.2251,"confidence":0.9604492,"punctuated_word":"client,","sentiment":"positive","sentiment_score":0.5350128412246704},{"word":"i","start":1192.765,"end":1192.8451,"confidence":0.91259766,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6045578718185425},{"word":"can","start":1192.8451,"end":1193.3451,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5259116888046265},{"word":"kinda","start":1193.805,"end":1194.125,"confidence":0.9580078,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.5434452295303345},{"word":"combine","start":1194.125,"end":1194.525,"confidence":0.99902344,"punctuated_word":"combine","sentiment":"positive","sentiment_score":0.5806331038475037},{"word":"everything","start":1194.525,"end":1194.925,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.614776611328125},{"word":"together","start":1194.925,"end":1195.3251,"confidence":1.0,"punctuated_word":"together","sentiment":"positive","sentiment_score":0.6074678897857666},{"word":"and","start":1195.3251,"end":1195.485,"confidence":0.9863281,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5370196104049683},{"word":"give","start":1195.485,"end":1195.7251,"confidence":1.0,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.5530086159706116},{"word":"you","start":1195.7251,"end":1195.885,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5686928033828735},{"word":"guys","start":1195.885,"end":1196.125,"confidence":0.9951172,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.5477095246315002},{"word":"a","start":1196.125,"end":1196.285,"confidence":0.96435547,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6052793264389038},{"word":"whole","start":1196.285,"end":1196.765,"confidence":1.0,"punctuated_word":"whole","sentiment":"positive","sentiment_score":0.5623660087585449},{"word":"overview","start":1196.765,"end":1197.265,"confidence":1.0,"punctuated_word":"overview","sentiment":"positive","sentiment_score":0.6783314347267151},{"word":"of","start":1197.7251,"end":1198.2251,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6127159595489502},{"word":"the","start":1198.685,"end":1198.8451,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5956758856773376},{"word":"two","start":1198.8451,"end":1199.005,"confidence":1.0,"punctuated_word":"two","sentiment":"positive","sentiment_score":0.582028865814209},{"word":"of","start":1199.005,"end":1199.165,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6167494654655457},{"word":"you","start":1199.165,"end":1199.485,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5474428534507751},{"word":"as","start":1199.485,"end":1199.985,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5814923048019409},{"word":"a","start":1200.125,"end":1200.285,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5821744203567505},{"word":"couple","start":1200.285,"end":1200.785,"confidence":0.7729492,"punctuated_word":"couple.","sentiment":"positive","sentiment_score":0.4497697949409485},{"word":"because","start":1202.11,"end":1202.59,"confidence":0.82910156,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":0.2243903875350952},{"word":"obviously","start":1202.59,"end":1202.99,"confidence":0.9995117,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.2183859646320343},{"word":"the","start":1202.99,"end":1203.23,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2713741958141327},{"word":"the","start":1203.23,"end":1203.3099,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25226953625679016},{"word":"hope","start":1203.3099,"end":1203.63,"confidence":1.0,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":0.26606854796409607},{"word":"is","start":1203.63,"end":1203.79,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3051788806915283},{"word":"to","start":1203.79,"end":1203.87,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.348723828792572},{"word":"retire","start":1203.87,"end":1204.19,"confidence":1.0,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.3271222710609436},{"word":"together","start":1204.19,"end":1204.69,"confidence":1.0,"punctuated_word":"together","sentiment":"positive","sentiment_score":0.35983601212501526},{"word":"and","start":1205.71,"end":1206.19,"confidence":0.94384766,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.12315425276756288},{"word":"you","start":1206.19,"end":1206.35,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1190985068678856},{"word":"know","start":1206.35,"end":1206.59,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1673165261745453},{"word":"set","start":1206.59,"end":1206.75,"confidence":0.9951172,"punctuated_word":"set","sentiment":"positive","sentiment_score":0.34391918778419495},{"word":"off","start":1206.75,"end":1206.91,"confidence":0.9506836,"punctuated_word":"off","sentiment":"positive","sentiment_score":0.3372321128845215},{"word":"into","start":1206.91,"end":1207.15,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2792885899543762},{"word":"the","start":1207.15,"end":1207.23,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3422519266605377},{"word":"sunset","start":1207.23,"end":1207.71,"confidence":0.9338379,"punctuated_word":"sunset,","sentiment":"neutral","sentiment_score":0.25872331857681274},{"word":"so","start":1207.71,"end":1207.87,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2493736743927002},{"word":"to","start":1207.87,"end":1208.03,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14769786596298218},{"word":"speak","start":1208.03,"end":1208.53,"confidence":0.9013672,"punctuated_word":"speak.","sentiment":"neutral","sentiment_score":0.22137708961963656},{"word":"so","start":1209.3099,"end":1209.63,"confidence":0.98095703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13181456923484802},{"word":"we","start":1209.63,"end":1209.71,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18203307688236237},{"word":"can","start":1209.71,"end":1209.95,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2237268090248108},{"word":"do","start":1209.95,"end":1210.11,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2492900788784027},{"word":"some","start":1210.11,"end":1210.27,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1969422698020935},{"word":"more","start":1210.27,"end":1210.59,"confidence":0.97265625,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":0.16074584424495697},{"word":"like","start":1210.59,"end":1210.91,"confidence":0.98999023,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2148928344249725},{"word":"joint","start":1210.91,"end":1211.3099,"confidence":0.99902344,"punctuated_word":"joint","sentiment":"positive","sentiment_score":0.3532249331474304},{"word":"based","start":1211.3099,"end":1211.63,"confidence":0.89453125,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.3087380528450012},{"word":"planning","start":1211.63,"end":1212.11,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.28619030117988586},{"word":"moving","start":1212.11,"end":1212.4299,"confidence":0.98291016,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.23941241204738617},{"word":"forward","start":1212.4299,"end":1212.9299,"confidence":0.9067383,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.20163795351982117},{"word":"which","start":1213.085,"end":1213.405,"confidence":0.78027344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.15098297595977783},{"word":"which","start":1213.405,"end":1213.905,"confidence":0.3137207,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0931730419397354},{"word":"is","start":1215.645,"end":1216.145,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04495209828019142},{"word":"cool","start":1224.365,"end":1224.845,"confidence":0.88305664,"punctuated_word":"cool.","sentiment":"neutral","sentiment_score":0.3161027729511261},{"word":"yeah","start":1224.845,"end":1225.165,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15916985273361206},{"word":"so","start":1225.165,"end":1225.325,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1389952152967453},{"word":"i'm","start":1225.325,"end":1225.485,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.19210755825042725},{"word":"a","start":1225.485,"end":1225.5651,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19276753067970276},{"word":"qualified","start":1225.5651,"end":1226.0651,"confidence":0.99902344,"punctuated_word":"qualified","sentiment":"neutral","sentiment_score":0.219403937458992},{"word":"financial","start":1226.125,"end":1226.625,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.2262902557849884},{"word":"adviser","start":1226.685,"end":1227.185,"confidence":0.89453125,"punctuated_word":"adviser.","sentiment":"neutral","sentiment_score":0.21865728497505188},{"word":"oakview","start":1227.8099,"end":1228.21,"confidence":0.91503906,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.18844738602638245},{"word":"is","start":1228.21,"end":1228.37,"confidence":0.52001953,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14856579899787903},{"word":"a","start":1228.37,"end":1228.45,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1959913969039917},{"word":"financial","start":1228.45,"end":1228.9299,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.21743911504745483},{"word":"planning","start":1228.9299,"end":1229.4099,"confidence":0.99902344,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.23638249933719635},{"word":"firm","start":1229.4099,"end":1229.9099,"confidence":0.99121094,"punctuated_word":"firm.","sentiment":"neutral","sentiment_score":0.23833197355270383},{"word":"so","start":1230.85,"end":1231.35,"confidence":0.96240234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2764676511287689},{"word":"caden","start":1231.8099,"end":1232.13,"confidence":0.6110026,"punctuated_word":"Caden,","sentiment":"neutral","sentiment_score":0.2904212474822998},{"word":"who","start":1232.13,"end":1232.2899,"confidence":0.99902344,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.26811325550079346},{"word":"you","start":1232.2899,"end":1232.37,"confidence":0.9614258,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1931682825088501},{"word":"spoke","start":1232.37,"end":1232.5299,"confidence":0.9980469,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.17045502364635468},{"word":"to","start":1232.5299,"end":1232.69,"confidence":0.8781738,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.2072814404964447},{"word":"and","start":1232.69,"end":1232.85,"confidence":0.9370117,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20555759966373444},{"word":"michelle","start":1232.85,"end":1233.1699,"confidence":0.8823242,"punctuated_word":"Michelle,","sentiment":"neutral","sentiment_score":0.24407418072223663},{"word":"who","start":1233.1699,"end":1233.25,"confidence":0.99902344,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.25201112031936646},{"word":"you","start":1233.25,"end":1233.33,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1996840536594391},{"word":"spoke","start":1233.33,"end":1233.57,"confidence":0.9980469,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.1575220227241516},{"word":"to","start":1233.57,"end":1233.8099,"confidence":0.984375,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.26609092950820923},{"word":"they","start":1233.8099,"end":1234.13,"confidence":0.99902344,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.38380590081214905},{"word":"are","start":1234.13,"end":1234.63,"confidence":0.9970703,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.36913448572158813},{"word":"part","start":1234.7699,"end":1235.01,"confidence":0.9819336,"punctuated_word":"part","sentiment":"positive","sentiment_score":0.4613249897956848},{"word":"of","start":1235.01,"end":1235.1699,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5436845421791077},{"word":"my","start":1235.1699,"end":1235.33,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.5751913785934448},{"word":"beautiful","start":1235.33,"end":1235.8099,"confidence":1.0,"punctuated_word":"beautiful","sentiment":"positive","sentiment_score":0.7051418423652649},{"word":"administration","start":1235.8099,"end":1236.3099,"confidence":1.0,"punctuated_word":"administration","sentiment":"positive","sentiment_score":0.6010584235191345},{"word":"team","start":1236.37,"end":1236.87,"confidence":0.7602539,"punctuated_word":"team,","sentiment":"positive","sentiment_score":0.4647630751132965},{"word":"and","start":1237.6499,"end":1238.1499,"confidence":0.9902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.408133327960968},{"word":"they","start":1239.25,"end":1239.6499,"confidence":0.9941406,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.45437783002853394},{"word":"support","start":1239.6499,"end":1240.1499,"confidence":0.9206543,"punctuated_word":"support,","sentiment":"positive","sentiment_score":0.4401319622993469},{"word":"answer","start":1240.37,"end":1240.69,"confidence":0.98535156,"punctuated_word":"answer","sentiment":"positive","sentiment_score":0.4044305086135864},{"word":"questions","start":1240.69,"end":1241.1699,"confidence":0.99609375,"punctuated_word":"questions,","sentiment":"positive","sentiment_score":0.356952428817749},{"word":"assist","start":1241.1699,"end":1241.49,"confidence":0.9941406,"punctuated_word":"assist","sentiment":"positive","sentiment_score":0.3918701410293579},{"word":"with","start":1241.49,"end":1241.6499,"confidence":0.9223633,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4288192391395569},{"word":"documentation","start":1241.6499,"end":1242.1499,"confidence":0.9790039,"punctuated_word":"documentation.","sentiment":"neutral","sentiment_score":0.31802621483802795},{"word":"and","start":1243.755,"end":1243.995,"confidence":0.9902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.26549217104911804},{"word":"and","start":1243.995,"end":1244.235,"confidence":0.82128906,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.22060635685920715},{"word":"basically","start":1244.235,"end":1244.635,"confidence":0.9995117,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.24053898453712463},{"word":"what","start":1244.635,"end":1244.795,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.3174152970314026},{"word":"we","start":1244.795,"end":1244.875,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3478440046310425},{"word":"do","start":1244.875,"end":1245.115,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.36604997515678406},{"word":"is","start":1245.115,"end":1245.3551,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.30321061611175537},{"word":"we","start":1245.3551,"end":1245.8351,"confidence":0.99609375,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3599609434604645},{"word":"help","start":1245.8351,"end":1246.0751,"confidence":0.9980469,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.4155871272087097},{"word":"with","start":1246.0751,"end":1246.3151,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3909552991390228},{"word":"not","start":1246.3151,"end":1246.555,"confidence":0.6503906,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.33000820875167847},{"word":"only","start":1246.555,"end":1246.795,"confidence":0.8496094,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.18736155331134796},{"word":"super","start":1246.795,"end":1247.035,"confidence":0.78515625,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.48110121488571167},{"word":"insurance","start":1247.035,"end":1247.435,"confidence":0.8835449,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.2999778389930725},{"word":"but","start":1247.435,"end":1247.675,"confidence":0.99609375,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.3678276240825653},{"word":"we","start":1247.675,"end":1247.755,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.334713339805603},{"word":"can","start":1247.755,"end":1247.915,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3869098722934723},{"word":"help","start":1247.915,"end":1248.0751,"confidence":1.0,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.4106675684452057},{"word":"with","start":1248.0751,"end":1248.5751,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3420546352863312},{"word":"a","start":1248.635,"end":1248.795,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3725778460502625},{"word":"lot","start":1248.795,"end":1249.035,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.3912665843963623},{"word":"of","start":1249.035,"end":1249.3551,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15379543602466583},{"word":"wider","start":1249.3551,"end":1249.8551,"confidence":0.99902344,"punctuated_word":"wider","sentiment":"neutral","sentiment_score":0.2443448901176453},{"word":"advice","start":1250.795,"end":1251.1951,"confidence":0.9428711,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.22053219377994537},{"word":"pieces","start":1251.1951,"end":1251.515,"confidence":0.9116211,"punctuated_word":"pieces","sentiment":"neutral","sentiment_score":0.19640326499938965},{"word":"as","start":1251.515,"end":1251.675,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21140122413635257},{"word":"well","start":1251.675,"end":1252.155,"confidence":0.9880371,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2377873659133911},{"word":"so","start":1252.155,"end":1252.3151,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18608056008815765},{"word":"it","start":1252.3151,"end":1252.4751,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2085612267255783},{"word":"can","start":1252.4751,"end":1252.795,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21464502811431885},{"word":"come","start":1252.795,"end":1252.9551,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.2426853179931641},{"word":"down","start":1252.9551,"end":1253.115,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.23986674845218656},{"word":"to","start":1253.115,"end":1253.275,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.239083394408226},{"word":"budgeting","start":1253.275,"end":1253.755,"confidence":0.9342448,"punctuated_word":"budgeting.","sentiment":"neutral","sentiment_score":0.2674655616283417},{"word":"it","start":1253.755,"end":1253.915,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.15886080265045166},{"word":"can","start":1253.915,"end":1254.0751,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13049133121967316},{"word":"come","start":1254.0751,"end":1254.3151,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.16947205364704132},{"word":"down","start":1254.3151,"end":1254.555,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.17867134511470795},{"word":"to","start":1254.555,"end":1255.02,"confidence":0.9758301,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.14630118012428284},{"word":"you","start":1255.5801,"end":1255.66,"confidence":0.98095703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10981599986553192},{"word":"know","start":1255.66,"end":1256.06,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.10708900541067123},{"word":"purchase","start":1256.06,"end":1256.46,"confidence":0.40966797,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.12125105410814284},{"word":"of","start":1256.46,"end":1256.7001,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11963258683681488},{"word":"houses","start":1256.7001,"end":1257.2001,"confidence":0.8405762,"punctuated_word":"houses,","sentiment":"neutral","sentiment_score":0.120570108294487},{"word":"lots","start":1257.42,"end":1257.66,"confidence":0.9873047,"punctuated_word":"lots","sentiment":"neutral","sentiment_score":0.14195102453231812},{"word":"of","start":1257.66,"end":1257.8201,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1466069519519806},{"word":"different","start":1257.8201,"end":1258.14,"confidence":0.9921875,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.125966414809227},{"word":"sort","start":1258.14,"end":1258.3,"confidence":0.9560547,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09699900448322296},{"word":"of","start":1258.3,"end":1258.46,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15665492415428162},{"word":"little","start":1258.46,"end":1258.78,"confidence":0.9921875,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.18132498860359192},{"word":"niche","start":1258.78,"end":1259.02,"confidence":0.9921875,"punctuated_word":"niche","sentiment":"neutral","sentiment_score":0.12710702419281006},{"word":"things","start":1259.02,"end":1259.26,"confidence":0.9970703,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.02017071656882763},{"word":"as","start":1259.26,"end":1259.5,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.018732670694589615},{"word":"well","start":1259.5,"end":1260.0,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.002615679055452347},{"word":"do","start":1263.66,"end":1263.9,"confidence":0.9003906,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.09573917090892792},{"word":"know","start":1263.9,"end":1264.14,"confidence":0.9013672,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.10773728787899016},{"word":"a","start":1264.14,"end":1264.22,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1168217882514},{"word":"lot","start":1264.22,"end":1264.46,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.1092509627342224},{"word":"about","start":1264.46,"end":1264.78,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.12210945785045624},{"word":"it","start":1264.78,"end":1265.28,"confidence":0.9604492,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.09540488570928574},{"word":"but","start":1265.9,"end":1266.3,"confidence":0.875,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.10532563179731368},{"word":"it's","start":1266.3,"end":1266.62,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.14797283709049225},{"word":"not","start":1266.62,"end":1266.86,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.20763111114501953},{"word":"an","start":1266.86,"end":1267.02,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.2125999331474304},{"word":"area","start":1267.02,"end":1267.26,"confidence":0.42236328,"punctuated_word":"area","sentiment":"neutral","sentiment_score":-0.18658623099327087},{"word":"of","start":1267.26,"end":1267.42,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2546803951263428},{"word":"advice","start":1267.42,"end":1267.8201,"confidence":0.98828125,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.26904410123825073},{"word":"that","start":1267.8201,"end":1267.98,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.22881510853767395},{"word":"we","start":1267.98,"end":1268.14,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.17030838131904602},{"word":"can","start":1268.14,"end":1268.3,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2715913653373718},{"word":"give","start":1268.3,"end":1268.62,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.17075109481811523},{"word":"because","start":1268.62,"end":1268.9401,"confidence":0.88720703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.18952509760856628},{"word":"that","start":1268.9401,"end":1269.1,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17109179496765137},{"word":"is","start":1269.1,"end":1269.345,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.22584810853004456},{"word":"general","start":1269.505,"end":1269.825,"confidence":0.99609375,"punctuated_word":"general","sentiment":"neutral","sentiment_score":-0.2217659652233124},{"word":"insurance","start":1269.825,"end":1270.225,"confidence":0.9941406,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":-0.15728190541267395},{"word":"we're","start":1270.225,"end":1270.465,"confidence":0.9970703,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.16037015616893768},{"word":"not","start":1270.465,"end":1270.5449,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2206963300704956},{"word":"we","start":1270.7849,"end":1271.025,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.19866372644901276},{"word":"don't","start":1271.025,"end":1271.265,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2370823323726654},{"word":"do","start":1271.265,"end":1271.4249,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.2871597707271576},{"word":"general","start":1271.4249,"end":1271.745,"confidence":1.0,"punctuated_word":"general","sentiment":"neutral","sentiment_score":-0.3259515166282654},{"word":"insurance","start":1271.745,"end":1272.245,"confidence":0.9848633,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":-0.19443440437316897},{"word":"no","start":1272.385,"end":1272.625,"confidence":0.9980469,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.16694775223731995},{"word":"financial","start":1272.625,"end":1273.025,"confidence":0.9970703,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.13411496579647064},{"word":"advice","start":1273.025,"end":1273.345,"confidence":0.54345703,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.1428578644990921},{"word":"at","start":1273.345,"end":1273.505,"confidence":0.67333984,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.11765037477016448},{"word":"will","start":1273.505,"end":1274.005,"confidence":0.95703125,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":-0.106808602809906},{"word":"yeah","start":1279.905,"end":1280.405,"confidence":0.7595215,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1814480721950531},{"word":"i","start":1295.24,"end":1295.4,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16994568705558777},{"word":"mean","start":1295.4,"end":1295.72,"confidence":0.99609375,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.15919864177703855},{"word":"we","start":1295.72,"end":1295.88,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.21917662024497983},{"word":"can","start":1295.88,"end":1296.38,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2201109230518341},{"word":"we","start":1296.6,"end":1296.76,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11235177516937256},{"word":"can","start":1296.76,"end":1296.9199,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.02297312021255493},{"word":"definitely","start":1296.9199,"end":1297.4,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.03853169083595276},{"word":"talk","start":1297.4,"end":1297.5599,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":-0.06526422500610352},{"word":"about","start":1297.5599,"end":1297.96,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.039769381284713745},{"word":"sort","start":1297.96,"end":1298.2,"confidence":0.8647461,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.06966385245323181},{"word":"of","start":1298.2,"end":1298.44,"confidence":0.9748535,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.01679745316505432},{"word":"i","start":1298.44,"end":1298.6,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005224600434303284},{"word":"guess","start":1298.6,"end":1299.1,"confidence":0.9970703,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.021017350256443024},{"word":"what","start":1299.455,"end":1299.775,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.09273014962673189},{"word":"you","start":1299.775,"end":1300.095,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07036009430885315},{"word":"get","start":1300.095,"end":1300.415,"confidence":0.9970703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.06999258697032928},{"word":"in","start":1300.415,"end":1300.735,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1098664253950119},{"word":"tax","start":1300.735,"end":1301.135,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.16065068542957306},{"word":"concessions","start":1301.135,"end":1301.635,"confidence":0.99902344,"punctuated_word":"concessions","sentiment":"neutral","sentiment_score":-0.1379595696926117},{"word":"by","start":1302.495,"end":1302.995,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.056619659066200256},{"word":"having","start":1303.375,"end":1303.6951,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.06835533678531647},{"word":"health","start":1303.6951,"end":1303.935,"confidence":1.0,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.17562702298164368},{"word":"insurance","start":1303.935,"end":1304.435,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.14252504706382751},{"word":"versus","start":1304.495,"end":1304.8151,"confidence":0.96875,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":-0.14150673151016235},{"word":"if","start":1304.8151,"end":1304.975,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.21307224035263064},{"word":"you","start":1304.975,"end":1305.135,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1628512740135193},{"word":"don't","start":1305.135,"end":1305.635,"confidence":0.9012044,"punctuated_word":"don't.","sentiment":"neutral","sentiment_score":-0.13426849246025083},{"word":"and","start":1306.015,"end":1306.255,"confidence":0.7397461,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06966087222099304},{"word":"then","start":1306.255,"end":1306.495,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.130949005484581},{"word":"you're","start":1306.495,"end":1306.8151,"confidence":0.9753418,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2281591594219208},{"word":"able","start":1306.8151,"end":1307.055,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.30163291096687317},{"word":"to","start":1307.055,"end":1307.135,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3397231698036194},{"word":"have","start":1307.135,"end":1307.295,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3284687101840973},{"word":"that","start":1307.295,"end":1307.455,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2204248011112213},{"word":"information","start":1307.455,"end":1307.855,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.15174297988414764},{"word":"to","start":1307.855,"end":1308.015,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.228758305311203},{"word":"then","start":1308.015,"end":1308.255,"confidence":0.9819336,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2662706673145294},{"word":"make","start":1308.255,"end":1308.495,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1728411316871643},{"word":"an","start":1308.495,"end":1308.655,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.17908218502998352},{"word":"informed","start":1308.655,"end":1308.975,"confidence":0.9921875,"punctuated_word":"informed","sentiment":"neutral","sentiment_score":0.15076670050621033},{"word":"decision","start":1308.975,"end":1309.295,"confidence":1.0,"punctuated_word":"decision","sentiment":"neutral","sentiment_score":0.1564682126045227},{"word":"as","start":1309.295,"end":1309.455,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.202865868806839},{"word":"to","start":1309.455,"end":1309.615,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19787922501564023},{"word":"whether","start":1309.615,"end":1309.935,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.0272429883480072},{"word":"you","start":1309.935,"end":1310.435,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12419576942920683},{"word":"cut","start":1310.735,"end":1311.055,"confidence":1.0,"punctuated_word":"cut","sentiment":"neutral","sentiment_score":-0.16732704639434814},{"word":"your","start":1311.055,"end":1311.215,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.15580619871616364},{"word":"plan","start":1311.215,"end":1311.615,"confidence":0.9980469,"punctuated_word":"plan,","sentiment":"neutral","sentiment_score":-0.21874895691871643},{"word":"get","start":1311.615,"end":1311.775,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.2667756676673889},{"word":"rid","start":1311.775,"end":1312.015,"confidence":1.0,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.22469614446163175},{"word":"of","start":1312.015,"end":1312.095,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12807084619998932},{"word":"your","start":1312.095,"end":1312.255,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.12125815451145172},{"word":"plan","start":1312.255,"end":1312.575,"confidence":0.98535156,"punctuated_word":"plan,","sentiment":"neutral","sentiment_score":-0.1152009293437004},{"word":"or","start":1312.575,"end":1312.8151,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.13491134345531464},{"word":"drop","start":1312.8151,"end":1313.055,"confidence":0.99902344,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.1652551293373108},{"word":"your","start":1313.055,"end":1313.215,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.16338713467121124},{"word":"plan","start":1313.215,"end":1313.455,"confidence":1.0,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":-0.1719919592142105},{"word":"down","start":1313.455,"end":1313.6951,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.042633891105651855},{"word":"too","start":1313.6951,"end":1314.09,"confidence":0.7832031,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.06948743760585785},{"word":"so","start":1314.1699,"end":1314.25,"confidence":0.3798828,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01093783974647522},{"word":"i","start":1314.25,"end":1314.33,"confidence":0.9707031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0038068965077400208},{"word":"know","start":1314.33,"end":1314.49,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.004237040877342224},{"word":"there","start":1314.49,"end":1314.57,"confidence":0.98535156,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.004842676222324371},{"word":"are","start":1314.57,"end":1314.97,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.009624674916267397},{"word":"a","start":1314.97,"end":1315.13,"confidence":0.8535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.018441323190927505},{"word":"few","start":1315.13,"end":1315.37,"confidence":0.99609375,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.012667663395404816},{"word":"few","start":1315.37,"end":1315.77,"confidence":0.9863281,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.014251679182052612},{"word":"providers","start":1315.77,"end":1316.09,"confidence":1.0,"punctuated_word":"providers","sentiment":"neutral","sentiment_score":0.020969785749912265},{"word":"that","start":1316.09,"end":1316.33,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.047236789017915726},{"word":"do","start":1316.33,"end":1316.57,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07080695033073425},{"word":"exist","start":1316.57,"end":1317.07,"confidence":0.99902344,"punctuated_word":"exist","sentiment":"neutral","sentiment_score":0.04515022039413452},{"word":"from","start":1317.21,"end":1317.45,"confidence":0.9760742,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0572880357503891},{"word":"personal","start":1317.45,"end":1317.85,"confidence":0.99609375,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.0575125589966774},{"word":"research","start":1317.85,"end":1318.35,"confidence":1.0,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.038944318890571594},{"word":"that","start":1319.69,"end":1320.01,"confidence":0.8496094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.024254746735095974},{"word":"basically","start":1320.01,"end":1320.49,"confidence":0.8769531,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.04648877680301666},{"word":"do","start":1320.49,"end":1320.73,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08393923938274384},{"word":"really","start":1320.73,"end":1320.97,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.07393088191747665},{"word":"basic","start":1320.97,"end":1321.47,"confidence":1.0,"punctuated_word":"basic","sentiment":"neutral","sentiment_score":0.07477180659770966},{"word":"tax","start":1321.5299,"end":1322.0299,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.08706621080636978},{"word":"plans","start":1322.65,"end":1323.15,"confidence":0.99902344,"punctuated_word":"plans","sentiment":"neutral","sentiment_score":0.052575960755348206},{"word":"that","start":1323.21,"end":1323.45,"confidence":0.7585449,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.04603902995586395},{"word":"like","start":1323.45,"end":1323.69,"confidence":0.9147949,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.028076406568288803},{"word":"the","start":1323.69,"end":1323.9299,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04171380400657654},{"word":"the","start":1323.9299,"end":1324.09,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.048386961221694946},{"word":"whole","start":1324.09,"end":1324.33,"confidence":0.9980469,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.03813156485557556},{"word":"point","start":1324.33,"end":1324.49,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.03388957679271698},{"word":"of","start":1324.49,"end":1324.65,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04871365427970886},{"word":"the","start":1324.65,"end":1324.73,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0682654157280922},{"word":"plan","start":1324.73,"end":1324.97,"confidence":1.0,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.07653959095478058},{"word":"is","start":1324.97,"end":1325.21,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10591278970241548},{"word":"you","start":1325.21,"end":1325.2899,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1079002246260643},{"word":"pay","start":1325.2899,"end":1325.45,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.039298638701438904},{"word":"a","start":1325.45,"end":1325.5299,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03220667690038681},{"word":"little","start":1325.5299,"end":1325.77,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.03210347890853882},{"word":"bit","start":1325.77,"end":1325.9299,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.006936013698577881},{"word":"of","start":1325.9299,"end":1326.09,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06349615752696991},{"word":"money","start":1326.09,"end":1326.49,"confidence":0.9909668,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.05714116990566254},{"word":"it","start":1326.49,"end":1326.65,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.05464337766170502},{"word":"doesn't","start":1326.65,"end":1326.89,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.10158172249794006},{"word":"give","start":1326.89,"end":1326.97,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.173763245344162},{"word":"you","start":1326.97,"end":1327.21,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31299400329589844},{"word":"a","start":1327.21,"end":1327.2899,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27116623520851135},{"word":"lot","start":1327.2899,"end":1327.45,"confidence":0.9980469,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.07506817579269409},{"word":"of","start":1327.45,"end":1327.5299,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03857848048210144},{"word":"coverage","start":1327.5299,"end":1327.85,"confidence":0.97680664,"punctuated_word":"coverage,","sentiment":"neutral","sentiment_score":0.13123241066932678},{"word":"but","start":1327.85,"end":1328.01,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2688945233821869},{"word":"it's","start":1328.01,"end":1328.1699,"confidence":1.0,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4657655656337738},{"word":"way","start":1328.1699,"end":1328.33,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.49305790662765503},{"word":"better","start":1328.33,"end":1328.57,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.2661619186401367},{"word":"than","start":1328.57,"end":1328.73,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.31332263350486755},{"word":"the","start":1328.73,"end":1328.89,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5244981050491333},{"word":"tax","start":1328.89,"end":1329.13,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.6073835492134094},{"word":"you","start":1329.13,"end":1329.2899,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5440671443939209},{"word":"pay","start":1329.2899,"end":1329.7899,"confidence":0.99902344,"punctuated_word":"pay.","sentiment":"neutral","sentiment_score":0.28383493423461914},{"word":"yeah","start":1345.1951,"end":1345.6951,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07195556163787842},{"word":"oh","start":1348.27,"end":1348.51,"confidence":0.98706055,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.15720544755458832},{"word":"no","start":1348.51,"end":1348.6699,"confidence":0.9975586,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.2416652590036392},{"word":"i","start":1348.6699,"end":1348.83,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2494853138923645},{"word":"know","start":1348.83,"end":1349.07,"confidence":0.99365234,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.25786906480789185},{"word":"it","start":1349.07,"end":1349.23,"confidence":1.0,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.4559941589832306},{"word":"it","start":1349.23,"end":1349.47,"confidence":0.99902344,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4838365614414215},{"word":"it","start":1349.47,"end":1349.7899,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.5101445913314819},{"word":"kills","start":1349.7899,"end":1350.11,"confidence":0.9970703,"punctuated_word":"kills","sentiment":"negative","sentiment_score":-0.5776275396347046},{"word":"me","start":1350.11,"end":1350.35,"confidence":1.0,"punctuated_word":"me","sentiment":"negative","sentiment_score":-0.5762500166893005},{"word":"every","start":1350.35,"end":1350.6699,"confidence":0.9902344,"punctuated_word":"every","sentiment":"negative","sentiment_score":-0.4630437195301056},{"word":"time","start":1350.6699,"end":1351.07,"confidence":0.7902832,"punctuated_word":"time.","sentiment":"negative","sentiment_score":-0.4495353698730469},{"word":"i","start":1351.07,"end":1351.3099,"confidence":0.78515625,"punctuated_word":"I,","sentiment":"neutral","sentiment_score":-0.17462827265262604},{"word":"you","start":1351.3099,"end":1351.39,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1321910321712494},{"word":"know","start":1351.39,"end":1351.63,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.10526181757450104},{"word":"take","start":1351.63,"end":1351.87,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.06505358219146729},{"word":"the","start":1351.87,"end":1352.11,"confidence":0.70703125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04188386350870133},{"word":"take","start":1352.11,"end":1352.35,"confidence":0.7988281,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.04519284516572952},{"word":"the","start":1352.35,"end":1352.51,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08482392877340317},{"word":"kids","start":1352.51,"end":1352.75,"confidence":0.8120117,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.1475507915019989},{"word":"to","start":1352.75,"end":1352.83,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1018502190709114},{"word":"the","start":1352.83,"end":1352.99,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1290489137172699},{"word":"dentist","start":1352.99,"end":1353.3099,"confidence":0.9980469,"punctuated_word":"dentist","sentiment":"neutral","sentiment_score":-0.11146854609251022},{"word":"and","start":1353.3099,"end":1353.63,"confidence":0.60253906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11904113739728928},{"word":"medicare","start":1353.63,"end":1354.0299,"confidence":0.9394531,"punctuated_word":"Medicare","sentiment":"neutral","sentiment_score":-0.12816151976585388},{"word":"covers","start":1354.0299,"end":1354.27,"confidence":0.9248047,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":-0.09608834236860277},{"word":"it","start":1354.27,"end":1354.77,"confidence":0.9980469,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.08303294330835342},{"word":"yeah","start":1373.4199,"end":1373.6599,"confidence":0.8347168,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.047908857464790344},{"word":"so","start":1373.6599,"end":1373.82,"confidence":0.89404297,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.03636915981769562},{"word":"basically","start":1373.82,"end":1374.2999,"confidence":1.0,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":-0.02612333931028843},{"word":"there's","start":1374.2999,"end":1374.46,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.02814038097858429},{"word":"a","start":1374.46,"end":1374.7,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.031761534512043},{"word":"there's","start":1374.7,"end":1375.02,"confidence":0.9719238,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.05892552062869072},{"word":"a","start":1375.02,"end":1375.1799,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06702829897403717},{"word":"medicare","start":1375.1799,"end":1375.58,"confidence":0.9941406,"punctuated_word":"Medicare","sentiment":"neutral","sentiment_score":-0.12721794843673706},{"word":"levy","start":1375.58,"end":1376.08,"confidence":0.91015625,"punctuated_word":"levy","sentiment":"neutral","sentiment_score":-0.07631991803646088},{"word":"that","start":1376.2999,"end":1376.5399,"confidence":0.9560547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04207665100693703},{"word":"exists","start":1376.5399,"end":1377.0399,"confidence":0.99560547,"punctuated_word":"exists.","sentiment":"neutral","sentiment_score":-0.04156387597322464},{"word":"if","start":1377.6599,"end":1377.98,"confidence":0.9194336,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.058894723653793335},{"word":"you","start":1377.98,"end":1378.2999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04960596188902855},{"word":"don't","start":1378.2999,"end":1378.62,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05051913112401962},{"word":"have","start":1378.62,"end":1378.7799,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05523268133401871},{"word":"private","start":1378.7799,"end":1379.02,"confidence":0.98828125,"punctuated_word":"private","sentiment":"neutral","sentiment_score":-0.1195077821612358},{"word":"health","start":1379.02,"end":1379.26,"confidence":1.0,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.08170422166585922},{"word":"insurance","start":1379.26,"end":1379.74,"confidence":0.9970703,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":-0.07919329404830933},{"word":"you","start":1379.74,"end":1379.9,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07175828516483307},{"word":"pay","start":1379.9,"end":1380.14,"confidence":0.99121094,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.08103197067975998},{"word":"the","start":1380.14,"end":1380.22,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03761935979127884},{"word":"levy","start":1380.22,"end":1380.62,"confidence":0.9655762,"punctuated_word":"levy.","sentiment":"neutral","sentiment_score":-0.05837937444448471},{"word":"if","start":1380.62,"end":1380.7799,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.019834771752357483},{"word":"you","start":1380.7799,"end":1380.86,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.009167119860649107},{"word":"do","start":1380.86,"end":1381.34,"confidence":0.9995117,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.008332647383213043},{"word":"you","start":1381.34,"end":1381.5,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006101056933403015},{"word":"get","start":1381.5,"end":1381.6599,"confidence":0.9892578,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.00024360418319702148},{"word":"an","start":1381.6599,"end":1381.82,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.01265549659729004},{"word":"exemption","start":1381.82,"end":1382.32,"confidence":0.8117676,"punctuated_word":"exemption.","sentiment":"neutral","sentiment_score":-0.03927898034453392},{"word":"and","start":1383.58,"end":1384.08,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.009612049907445908},{"word":"the","start":1384.5399,"end":1384.7799,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007373075932264328},{"word":"levy","start":1384.7799,"end":1385.2799,"confidence":0.99902344,"punctuated_word":"levy","sentiment":"neutral","sentiment_score":0.01521371677517891},{"word":"is","start":1385.34,"end":1385.6599,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.005287013947963715},{"word":"the","start":1385.6599,"end":1385.82,"confidence":0.91015625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02105741947889328},{"word":"2%","start":1385.82,"end":1386.46,"confidence":1.0,"punctuated_word":"2%","sentiment":"neutral","sentiment_score":0.01703449711203575},{"word":"of","start":1386.46,"end":1386.7,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007415570318698883},{"word":"wages","start":1386.7,"end":1387.1799,"confidence":1.0,"punctuated_word":"wages","sentiment":"neutral","sentiment_score":-0.0214226096868515},{"word":"based","start":1387.1799,"end":1387.4199,"confidence":0.98095703,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.021669235080480576},{"word":"on","start":1387.4199,"end":1387.6599,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.027912553399801254},{"word":"different","start":1387.6599,"end":1387.9,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.004302419722080231},{"word":"brackets","start":1387.9,"end":1388.2999,"confidence":0.99902344,"punctuated_word":"brackets","sentiment":"neutral","sentiment_score":-0.003344053402543068},{"word":"and","start":1388.2999,"end":1388.46,"confidence":0.95703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0014460943639278412},{"word":"so","start":1388.46,"end":1388.62,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.011405743658542631},{"word":"on","start":1388.62,"end":1388.7,"confidence":0.96875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.012116577476263046},{"word":"and","start":1388.7,"end":1388.7799,"confidence":0.9428711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0042426697909832},{"word":"so","start":1388.7799,"end":1388.94,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.008405283093452454},{"word":"forth","start":1388.94,"end":1389.255,"confidence":0.9880371,"punctuated_word":"forth.","sentiment":"neutral","sentiment_score":0.009003138169646263},{"word":"and","start":1391.015,"end":1391.515,"confidence":0.9838867,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01153002306818962},{"word":"yeah","start":1392.775,"end":1393.275,"confidence":0.9851074,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.001125359907746315},{"word":"yeah","start":1396.775,"end":1397.175,"confidence":0.9394531,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.009004959836602211},{"word":"based","start":1397.175,"end":1397.415,"confidence":0.99316406,"punctuated_word":"Based","sentiment":"neutral","sentiment_score":-0.02007412165403366},{"word":"on","start":1397.415,"end":1397.575,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.012014683336019516},{"word":"different","start":1397.575,"end":1397.895,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.016061611473560333},{"word":"brackets","start":1397.895,"end":1398.395,"confidence":1.0,"punctuated_word":"brackets","sentiment":"neutral","sentiment_score":-0.018254995346069336},{"word":"and","start":1398.455,"end":1398.955,"confidence":0.8354492,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.020428214222192764},{"word":"but","start":1399.975,"end":1400.455,"confidence":0.8017578,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.03866378217935562},{"word":"essentially","start":1400.455,"end":1400.955,"confidence":1.0,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.033709727227687836},{"word":"speaking","start":1401.015,"end":1401.495,"confidence":0.9946289,"punctuated_word":"speaking,","sentiment":"neutral","sentiment_score":-0.02920420840382576},{"word":"what","start":1401.495,"end":1401.735,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.02920934557914734},{"word":"happens","start":1401.735,"end":1402.235,"confidence":0.99902344,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.029492881149053577},{"word":"is","start":1402.295,"end":1402.795,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.034903183579444885},{"word":"if","start":1403.41,"end":1403.5701,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06565148383378983},{"word":"you","start":1403.5701,"end":1403.97,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06686140596866608},{"word":"don't","start":1403.97,"end":1404.29,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06756465882062912},{"word":"have","start":1404.29,"end":1404.79,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08531111478805542},{"word":"private","start":1406.05,"end":1406.53,"confidence":0.9453125,"punctuated_word":"private","sentiment":"neutral","sentiment_score":-0.13204383850097656},{"word":"health","start":1406.53,"end":1407.03,"confidence":0.99902344,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.07831762731075287},{"word":"that","start":1407.25,"end":1407.49,"confidence":0.9863281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07496174424886703},{"word":"covers","start":1407.49,"end":1407.89,"confidence":0.99902344,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":-0.08929412811994553},{"word":"hospital","start":1407.89,"end":1408.37,"confidence":0.8286133,"punctuated_word":"hospital,","sentiment":"neutral","sentiment_score":-0.09215350449085236},{"word":"it's","start":1408.37,"end":1408.45,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.09310956299304962},{"word":"not","start":1408.45,"end":1408.61,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08739256858825684},{"word":"the","start":1408.61,"end":1408.77,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.104189932346344},{"word":"extras","start":1408.77,"end":1409.27,"confidence":0.9980469,"punctuated_word":"extras","sentiment":"neutral","sentiment_score":-0.12643581628799438},{"word":"that","start":1409.41,"end":1409.81,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13436216115951538},{"word":"a","start":1409.81,"end":1409.89,"confidence":0.86035156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1343425810337067},{"word":"private","start":1409.89,"end":1410.29,"confidence":1.0,"punctuated_word":"private","sentiment":"neutral","sentiment_score":-0.15618015825748444},{"word":"health","start":1410.29,"end":1410.79,"confidence":0.99902344,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.1026417315006256},{"word":"cares","start":1410.85,"end":1411.09,"confidence":0.9902344,"punctuated_word":"cares","sentiment":"neutral","sentiment_score":-0.114189051091671},{"word":"about","start":1411.09,"end":1411.33,"confidence":0.7414551,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":-0.0911838561296463},{"word":"it's","start":1411.33,"end":1411.5701,"confidence":0.90356445,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.07947033643722534},{"word":"it's","start":1411.5701,"end":1411.89,"confidence":0.9399414,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0774674043059349},{"word":"literally","start":1411.89,"end":1412.29,"confidence":0.9941406,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":-0.08052223920822144},{"word":"just","start":1412.29,"end":1412.53,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07223299145698547},{"word":"the","start":1412.53,"end":1412.6901,"confidence":0.9301758,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0739874541759491},{"word":"private","start":1412.6901,"end":1413.09,"confidence":1.0,"punctuated_word":"private","sentiment":"neutral","sentiment_score":-0.11018424481153488},{"word":"health","start":1413.09,"end":1413.33,"confidence":1.0,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.08031605184078217},{"word":"hospital","start":1413.33,"end":1413.73,"confidence":0.99609375,"punctuated_word":"hospital","sentiment":"neutral","sentiment_score":-0.11417309194803238},{"word":"cover","start":1413.73,"end":1414.23,"confidence":0.99560547,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":-0.09993568062782288},{"word":"if","start":1414.85,"end":1414.93,"confidence":0.9614258,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.07628567516803741},{"word":"you","start":1414.93,"end":1415.09,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16567009687423706},{"word":"don't","start":1415.09,"end":1415.33,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.140827476978302},{"word":"have","start":1415.33,"end":1415.5701,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1246982216835022},{"word":"the","start":1415.5701,"end":1415.73,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1405409276485443},{"word":"hospital","start":1415.73,"end":1416.21,"confidence":1.0,"punctuated_word":"hospital","sentiment":"neutral","sentiment_score":-0.1872327625751495},{"word":"cover","start":1416.21,"end":1416.61,"confidence":0.97631836,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":-0.19119147956371307},{"word":"then","start":1416.61,"end":1417.11,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.222602516412735},{"word":"you","start":1417.33,"end":1417.5701,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.31658026576042175},{"word":"get","start":1417.5701,"end":1417.905,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.3239162862300873},{"word":"stung","start":1417.985,"end":1418.385,"confidence":0.99316406,"punctuated_word":"stung","sentiment":"negative","sentiment_score":-0.3653985261917114},{"word":"with","start":1418.385,"end":1418.885,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.31937700510025024},{"word":"the","start":1419.105,"end":1419.265,"confidence":0.9506836,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2604210376739502},{"word":"levy","start":1419.265,"end":1419.765,"confidence":0.9033203,"punctuated_word":"levy.","sentiment":"neutral","sentiment_score":-0.18247735500335693},{"word":"if","start":1420.145,"end":1420.305,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.030550122261047363},{"word":"you","start":1420.305,"end":1420.4651,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.022984199225902557},{"word":"do","start":1420.4651,"end":1420.9651,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.006426624953746796},{"word":"have","start":1421.185,"end":1421.685,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0037895813584327698},{"word":"the","start":1422.145,"end":1422.385,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0133548341691494},{"word":"cover","start":1422.385,"end":1422.785,"confidence":0.99658203,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":-0.01449098065495491},{"word":"then","start":1422.785,"end":1423.105,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.010618779808282852},{"word":"you","start":1423.105,"end":1423.265,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01061120629310608},{"word":"don't","start":1423.265,"end":1423.505,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.01864225417375565},{"word":"get","start":1423.505,"end":1423.745,"confidence":0.99609375,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1253902018070221},{"word":"stung","start":1423.745,"end":1423.985,"confidence":0.9980469,"punctuated_word":"stung","sentiment":"neutral","sentiment_score":-0.24760103225708008},{"word":"with","start":1423.985,"end":1424.0651,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.29130467772483826},{"word":"the","start":1424.0651,"end":1424.225,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2088373750448227},{"word":"levy","start":1424.225,"end":1424.725,"confidence":0.9980469,"punctuated_word":"levy.","sentiment":"neutral","sentiment_score":-0.1296548992395401},{"word":"better","start":1436.04,"end":1436.52,"confidence":0.7727051,"punctuated_word":"Better.","sentiment":"neutral","sentiment_score":0.026419155299663544},{"word":"yep","start":1436.52,"end":1437.02,"confidence":0.9001465,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.043772172182798386},{"word":"pretty","start":1437.16,"end":1437.4,"confidence":0.96875,"punctuated_word":"Pretty","sentiment":"neutral","sentiment_score":0.05348224192857742},{"word":"much","start":1437.4,"end":1437.8,"confidence":0.9880371,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":0.03277885913848877},{"word":"what","start":1437.8,"end":1438.2001,"confidence":0.78564453,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.017788179218769073},{"word":"i","start":1438.52,"end":1438.68,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.018857568502426147},{"word":"mean","start":1438.68,"end":1438.92,"confidence":0.99658203,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.02334528416395187},{"word":"can","start":1438.92,"end":1439.0801,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.013669144362211227},{"word":"i","start":1439.0801,"end":1439.16,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.011912595480680466},{"word":"ask","start":1439.16,"end":1439.4,"confidence":0.96875,"punctuated_word":"ask?","sentiment":"neutral","sentiment_score":-0.024801984429359436},{"word":"because","start":1439.4,"end":1439.56,"confidence":0.9921875,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.06268046051263809},{"word":"what","start":1439.56,"end":1439.64,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07262805104255676},{"word":"i","start":1439.64,"end":1439.72,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08266457915306091},{"word":"can","start":1439.72,"end":1439.88,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10044734179973602},{"word":"do","start":1439.88,"end":1440.04,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11971186101436616},{"word":"is","start":1440.04,"end":1440.12,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08152307569980621},{"word":"i","start":1440.12,"end":1440.2001,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09790027141571044},{"word":"can","start":1440.2001,"end":1440.4401,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09978926181793212},{"word":"calculate","start":1440.4401,"end":1440.9401,"confidence":1.0,"punctuated_word":"calculate","sentiment":"neutral","sentiment_score":0.08831965923309326},{"word":"both","start":1441.0,"end":1441.16,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.1084662452340126},{"word":"of","start":1441.16,"end":1441.3201,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10182429850101472},{"word":"your","start":1441.3201,"end":1441.56,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08642122894525528},{"word":"levies","start":1441.56,"end":1441.9601,"confidence":0.9921875,"punctuated_word":"levies","sentiment":"neutral","sentiment_score":0.07305175065994263},{"word":"today","start":1441.9601,"end":1442.4601,"confidence":0.8679199,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.08980521559715271},{"word":"and","start":1442.785,"end":1442.945,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05509911850094795},{"word":"i","start":1442.945,"end":1443.2649,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07966892421245575},{"word":"can","start":1443.2649,"end":1443.585,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07889436930418015},{"word":"send","start":1443.585,"end":1443.825,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.08414386212825775},{"word":"you","start":1443.825,"end":1444.065,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09715726971626282},{"word":"an","start":1444.065,"end":1444.225,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08801722526550293},{"word":"email","start":1444.225,"end":1444.465,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.09898512810468674},{"word":"and","start":1444.465,"end":1444.545,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0657939538359642},{"word":"be","start":1444.545,"end":1444.705,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07789721339941025},{"word":"like","start":1444.705,"end":1444.865,"confidence":0.859375,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06565345823764801},{"word":"this","start":1444.865,"end":1445.105,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07933025062084198},{"word":"is","start":1445.105,"end":1445.185,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.058891985565423965},{"word":"your","start":1445.185,"end":1445.345,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06789825856685638},{"word":"breakdown","start":1445.345,"end":1445.745,"confidence":0.9980469,"punctuated_word":"breakdown","sentiment":"neutral","sentiment_score":0.060580454766750336},{"word":"of","start":1445.745,"end":1445.905,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04380959272384643},{"word":"your","start":1445.905,"end":1446.145,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.040155112743377686},{"word":"tax","start":1446.145,"end":1446.645,"confidence":0.7480469,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.03952251002192497},{"word":"blah","start":1447.025,"end":1447.185,"confidence":0.99902344,"punctuated_word":"blah","sentiment":"neutral","sentiment_score":0.01985486038029194},{"word":"blah","start":1447.185,"end":1447.425,"confidence":0.89453125,"punctuated_word":"blah","sentiment":"neutral","sentiment_score":0.08952745050191879},{"word":"blah","start":1447.425,"end":1447.925,"confidence":0.9975586,"punctuated_word":"blah.","sentiment":"neutral","sentiment_score":0.1372964084148407},{"word":"what's","start":1448.945,"end":1449.265,"confidence":0.99902344,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.11604201793670654},{"word":"your","start":1449.265,"end":1449.505,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09337106347084044},{"word":"income","start":1449.505,"end":1450.005,"confidence":1.0,"punctuated_word":"income?","sentiment":"neutral","sentiment_score":0.1318327784538269},{"word":"okay","start":1454.945,"end":1455.345,"confidence":0.9638672,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04283251613378525},{"word":"so","start":1455.345,"end":1455.585,"confidence":0.97802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.026197243481874462},{"word":"i'll","start":1455.585,"end":1456.085,"confidence":0.8864746,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.04121757298707962},{"word":"yeah","start":1463.7,"end":1464.2,"confidence":0.8737793,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04194740206003189},{"word":"no","start":1469.3,"end":1469.54,"confidence":0.85839844,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.061978552490472794},{"word":"you're","start":1469.54,"end":1469.78,"confidence":0.9921875,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.018277866765856743},{"word":"okay","start":1469.78,"end":1470.105,"confidence":0.9970703,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.00777222216129303},{"word":"yeah","start":1472.665,"end":1473.165,"confidence":0.9692383,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0061023663729429245},{"word":"mhmm","start":1477.945,"end":1478.445,"confidence":0.99853516,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.020551444962620735},{"word":"oh","start":1496.0,"end":1496.025,"confidence":0.7409668,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.007157310843467712},{"word":"right","start":1496.105,"end":1496.265,"confidence":0.69177246,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.007101932540535927},{"word":"you're","start":1496.265,"end":1496.505,"confidence":0.9367676,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.02170167863368988},{"word":"talking","start":1496.505,"end":1496.905,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.014569399878382685},{"word":"about","start":1496.905,"end":1497.0651,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.03326737880706787},{"word":"the","start":1497.0651,"end":1497.225,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03613551706075668},{"word":"if","start":1497.305,"end":1497.465,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03941277787089348},{"word":"you're","start":1497.465,"end":1497.7051,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.030021458864212036},{"word":"over","start":1497.7051,"end":1497.865,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.05530087649822235},{"word":"30","start":1497.865,"end":1498.185,"confidence":1.0,"punctuated_word":"30","sentiment":"neutral","sentiment_score":-0.03092142567038536},{"word":"when","start":1498.185,"end":1498.345,"confidence":0.64990234,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.027597513049840927},{"word":"you","start":1498.345,"end":1498.505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.023245755583047867},{"word":"get","start":1498.505,"end":1498.745,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.016400057822465897},{"word":"it","start":1498.745,"end":1498.905,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.025071952491998672},{"word":"put","start":1498.905,"end":1499.0651,"confidence":0.9921875,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.00900062546133995},{"word":"in","start":1499.0651,"end":1499.225,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0029732510447502136},{"word":"place","start":1499.225,"end":1499.625,"confidence":0.9880371,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":-0.018258659169077873},{"word":"you","start":1499.625,"end":1499.865,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01232394203543663},{"word":"pay","start":1499.865,"end":1500.105,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.02218636125326157},{"word":"a","start":1500.105,"end":1500.185,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02165490761399269},{"word":"high","start":1500.185,"end":1500.425,"confidence":0.8828125,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.016401715576648712},{"word":"no","start":1500.665,"end":1500.985,"confidence":0.9975586,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.115136057138443},{"word":"that's","start":1500.985,"end":1501.385,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.10266183316707612},{"word":"that's","start":1501.385,"end":1501.785,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.11484971642494202},{"word":"the","start":1501.785,"end":1502.025,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11658754199743272},{"word":"that's","start":1502.185,"end":1502.685,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.08881436288356781},{"word":"that's","start":1503.225,"end":1503.7051,"confidence":0.9926758,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.09694427251815796},{"word":"different","start":1503.7051,"end":1504.2051,"confidence":0.75512695,"punctuated_word":"different.","sentiment":"neutral","sentiment_score":-0.12573209404945374},{"word":"and","start":1504.425,"end":1504.665,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0733947604894638},{"word":"what","start":1504.665,"end":1504.8251,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0771116316318512},{"word":"that","start":1504.8251,"end":1504.985,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06286441534757614},{"word":"is","start":1504.985,"end":1505.225,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08144702017307281},{"word":"is","start":1505.225,"end":1505.385,"confidence":0.9223633,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07057341933250427},{"word":"that's","start":1505.385,"end":1505.625,"confidence":0.96240234,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.0811690092086792},{"word":"basically","start":1505.625,"end":1506.125,"confidence":0.9560547,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.08207306265830994},{"word":"a","start":1506.185,"end":1506.685,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08554144203662872},{"word":"insurer","start":1508.025,"end":1508.525,"confidence":0.9135742,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":-0.11177242547273636},{"word":"based","start":1508.5851,"end":1508.8251,"confidence":0.984375,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.06866978853940964},{"word":"thing","start":1508.8251,"end":1509.3251,"confidence":0.96484375,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.07146548479795456},{"word":"so","start":1509.4099,"end":1509.49,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0972645953297615},{"word":"the","start":1509.49,"end":1509.73,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10343118011951448},{"word":"insurance","start":1509.73,"end":1510.0499,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.13321956992149353},{"word":"company","start":1510.0499,"end":1510.2899,"confidence":0.7792969,"punctuated_word":"company","sentiment":"neutral","sentiment_score":-0.11603271961212158},{"word":"sent","start":1510.2899,"end":1510.5299,"confidence":0.4086914,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":-0.1108173131942749},{"word":"around","start":1510.5299,"end":1510.69,"confidence":0.9194336,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.1080453097820282},{"word":"and","start":1510.69,"end":1510.85,"confidence":0.7729492,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11716480553150176},{"word":"went","start":1510.85,"end":1511.01,"confidence":0.95166016,"punctuated_word":"went,","sentiment":"neutral","sentiment_score":-0.11370645463466644},{"word":"well","start":1511.01,"end":1511.25,"confidence":0.98999023,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.11928661167621613},{"word":"the","start":1511.25,"end":1511.33,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16011516749858856},{"word":"older","start":1511.33,"end":1511.6499,"confidence":0.9980469,"punctuated_word":"older","sentiment":"neutral","sentiment_score":-0.1748070865869522},{"word":"you","start":1511.6499,"end":1511.73,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17388874292373657},{"word":"get","start":1511.73,"end":1511.97,"confidence":0.97094727,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":-0.1663399338722229},{"word":"the","start":1511.97,"end":1512.13,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19782976806163788},{"word":"more","start":1512.13,"end":1512.2899,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.2153820842504501},{"word":"likely","start":1512.2899,"end":1512.61,"confidence":1.0,"punctuated_word":"likely","sentiment":"neutral","sentiment_score":-0.19690802693367004},{"word":"you","start":1512.61,"end":1512.7699,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.23460179567337036},{"word":"are","start":1512.7699,"end":1512.9299,"confidence":0.9770508,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.20843538641929624},{"word":"to","start":1512.9299,"end":1513.09,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.213201105594635},{"word":"claim","start":1513.09,"end":1513.57,"confidence":0.95874023,"punctuated_word":"claim.","sentiment":"neutral","sentiment_score":-0.1629762351512909},{"word":"and","start":1513.57,"end":1513.73,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.12451280653476716},{"word":"if","start":1513.73,"end":1513.89,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.19076651334762573},{"word":"you","start":1513.89,"end":1514.0499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1753055900335312},{"word":"didn't","start":1514.0499,"end":1514.37,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.17424100637435913},{"word":"have","start":1514.37,"end":1514.61,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.17902801930904388},{"word":"our","start":1514.61,"end":1514.7699,"confidence":0.9086914,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.17855271697044373},{"word":"cover","start":1514.7699,"end":1515.09,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.165176659822464},{"word":"before","start":1515.09,"end":1515.49,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.16032597422599792},{"word":"you","start":1515.49,"end":1515.6499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1734558343887329},{"word":"turned","start":1515.6499,"end":1516.0499,"confidence":0.8984375,"punctuated_word":"turned","sentiment":"neutral","sentiment_score":-0.13708272576332092},{"word":"30","start":1516.0499,"end":1516.5299,"confidence":1.0,"punctuated_word":"30","sentiment":"neutral","sentiment_score":-0.12751591205596924},{"word":"and","start":1516.5299,"end":1516.85,"confidence":0.74902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14087115228176117},{"word":"you're","start":1516.85,"end":1517.01,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.13826759159564972},{"word":"doing","start":1517.01,"end":1517.33,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.15558680891990662},{"word":"this","start":1517.33,"end":1517.57,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.15422409772872925},{"word":"now","start":1517.57,"end":1517.89,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.18030402064323425},{"word":"because","start":1517.89,"end":1518.37,"confidence":0.98291016,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.14994370937347412},{"word":"you","start":1518.37,"end":1518.61,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.161550834774971},{"word":"are","start":1518.61,"end":1518.85,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1543879210948944},{"word":"30","start":1518.85,"end":1519.1699,"confidence":1.0,"punctuated_word":"30","sentiment":"neutral","sentiment_score":-0.1557789444923401},{"word":"and","start":1519.1699,"end":1519.33,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13915881514549255},{"word":"you","start":1519.33,"end":1519.49,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16431885957717896},{"word":"realize","start":1519.49,"end":1519.8099,"confidence":0.87353516,"punctuated_word":"realize","sentiment":"neutral","sentiment_score":-0.22520160675048828},{"word":"that","start":1519.8099,"end":1520.0499,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.20645707845687863},{"word":"things","start":1520.0499,"end":1520.2899,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.1967891156673431},{"word":"are","start":1520.2899,"end":1520.37,"confidence":0.99316406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.22686535120010376},{"word":"starting","start":1520.37,"end":1520.69,"confidence":0.9980469,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":-0.2732478976249695},{"word":"to","start":1520.69,"end":1520.7699,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.26911449432373047},{"word":"happen","start":1520.7699,"end":1521.01,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.21162880957126615},{"word":"health","start":1521.01,"end":1521.25,"confidence":0.9970703,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.25748318433761597},{"word":"wise","start":1521.25,"end":1521.49,"confidence":0.9411621,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":-0.2086262404918671},{"word":"you're","start":1521.49,"end":1521.6499,"confidence":0.98950195,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.28313106298446655},{"word":"gonna","start":1521.6499,"end":1521.89,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.26988378167152405},{"word":"pay","start":1521.89,"end":1522.0499,"confidence":0.9970703,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.27445700764656067},{"word":"a","start":1522.0499,"end":1522.13,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2542499899864197},{"word":"higher","start":1522.13,"end":1522.37,"confidence":0.9980469,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.2726556658744812},{"word":"premium","start":1522.37,"end":1522.87,"confidence":0.9946289,"punctuated_word":"premium.","sentiment":"neutral","sentiment_score":-0.24549056589603424},{"word":"that's","start":1522.935,"end":1523.255,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.1733603477478027},{"word":"totally","start":1523.255,"end":1523.295,"confidence":1.0,"punctuated_word":"totally","sentiment":"neutral","sentiment_score":-0.16728022694587708},{"word":"different","start":1523.295,"end":1523.3351,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.26017528772354126},{"word":"to","start":1523.3351,"end":1523.8351,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1964552402496338},{"word":"the","start":1524.055,"end":1524.375,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.27591627836227417},{"word":"the","start":1524.375,"end":1524.6151,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3065178394317627},{"word":"medicare","start":1524.6151,"end":1525.015,"confidence":0.99121094,"punctuated_word":"Medicare","sentiment":"neutral","sentiment_score":-0.3194108009338379},{"word":"levy","start":1525.015,"end":1525.3351,"confidence":0.68408203,"punctuated_word":"levy","sentiment":"neutral","sentiment_score":-0.20699357986450195},{"word":"side","start":1525.3351,"end":1525.8351,"confidence":0.99560547,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":-0.17154690623283386},{"word":"yeah","start":1526.8551,"end":1527.3551,"confidence":0.9338379,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.045533426105976105},{"word":"yeah","start":1537.5751,"end":1538.0751,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010132513009011744},{"word":"it'll","start":1545.79,"end":1546.11,"confidence":0.97387695,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.1323603093624115},{"word":"be","start":1546.11,"end":1546.43,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15237021446228027},{"word":"the","start":1546.43,"end":1546.75,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11676593124866486},{"word":"cheapest","start":1546.75,"end":1547.25,"confidence":1.0,"punctuated_word":"cheapest","sentiment":"neutral","sentiment_score":0.15669292211532593},{"word":"way","start":1547.31,"end":1547.63,"confidence":0.9758301,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.11464159190654756},{"word":"but","start":1547.63,"end":1547.87,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05868624895811081},{"word":"it","start":1547.87,"end":1547.9501,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04190338775515556},{"word":"just","start":1547.9501,"end":1548.1901,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.030306510627269745},{"word":"depends","start":1548.1901,"end":1548.51,"confidence":1.0,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":0.04751179739832878},{"word":"on","start":1548.51,"end":1548.67,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05821460857987404},{"word":"whether","start":1548.67,"end":1548.99,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.048263244330883026},{"word":"you","start":1548.99,"end":1549.0701,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.036307912319898605},{"word":"have","start":1549.0701,"end":1549.2301,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0317239835858345},{"word":"other","start":1549.2301,"end":1549.4701,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.026769381016492844},{"word":"things","start":1549.4701,"end":1549.7101,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.04952016845345497},{"word":"that","start":1549.7101,"end":1549.87,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04294310510158539},{"word":"you","start":1549.87,"end":1549.9501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02998656779527664},{"word":"wanna","start":1549.9501,"end":1550.27,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.04459595680236816},{"word":"claim","start":1550.27,"end":1550.67,"confidence":0.9477539,"punctuated_word":"claim,","sentiment":"neutral","sentiment_score":0.03600810468196869},{"word":"which","start":1550.67,"end":1550.8301,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.04592787101864815},{"word":"is","start":1550.8301,"end":1550.91,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.024486713111400604},{"word":"where","start":1550.91,"end":1551.15,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.03088672272861004},{"word":"the","start":1551.15,"end":1551.2301,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04600401222705841},{"word":"extras","start":1551.2301,"end":1551.7101,"confidence":0.9980469,"punctuated_word":"extras","sentiment":"neutral","sentiment_score":0.025569969788193703},{"word":"come","start":1551.7101,"end":1551.87,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.02552505768835545},{"word":"in","start":1551.87,"end":1552.365,"confidence":1.0,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.02667725831270218},{"word":"so","start":1552.765,"end":1552.925,"confidence":0.9875488,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.009195810183882712},{"word":"like","start":1552.925,"end":1553.245,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.04498923942446709},{"word":"the","start":1553.245,"end":1553.405,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05411486327648163},{"word":"dent","start":1553.405,"end":1553.645,"confidence":0.87841797,"punctuated_word":"dent","sentiment":"neutral","sentiment_score":-0.19711098074913025},{"word":"the","start":1553.725,"end":1553.885,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22865328192710876},{"word":"dentist","start":1553.885,"end":1554.285,"confidence":0.9921875,"punctuated_word":"dentist","sentiment":"neutral","sentiment_score":-0.16395342350006104},{"word":"can","start":1554.285,"end":1554.445,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.212324857711792},{"word":"be","start":1554.445,"end":1554.6849,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2625493109226227},{"word":"expensive","start":1554.6849,"end":1555.1849,"confidence":0.95874023,"punctuated_word":"expensive.","sentiment":"neutral","sentiment_score":-0.18837930262088776},{"word":"optical","start":1555.645,"end":1556.145,"confidence":0.9453125,"punctuated_word":"Optical","sentiment":"neutral","sentiment_score":0.05979124829173088},{"word":"can","start":1556.205,"end":1556.445,"confidence":0.8852539,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.09259054064750671},{"word":"be","start":1556.445,"end":1556.525,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.14554305374622345},{"word":"expensive","start":1556.525,"end":1557.025,"confidence":0.99316406,"punctuated_word":"expensive.","sentiment":"neutral","sentiment_score":-0.1285364180803299},{"word":"yes","start":1566.57,"end":1566.97,"confidence":0.82373047,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.08215609192848206},{"word":"no","start":1566.97,"end":1567.21,"confidence":0.99658203,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.33340445160865784},{"word":"definitely","start":1567.21,"end":1567.69,"confidence":0.9980469,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":-0.3116600513458252},{"word":"no","start":1567.69,"end":1567.85,"confidence":0.9975586,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.5210943222045898},{"word":"i","start":1567.85,"end":1568.01,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5981155633926392},{"word":"i","start":1568.01,"end":1568.1699,"confidence":0.99902344,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5376451015472412},{"word":"get","start":1568.1699,"end":1568.4099,"confidence":0.9980469,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.47280800342559814},{"word":"it","start":1568.4099,"end":1568.49,"confidence":0.99902344,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4908793568611145},{"word":"too","start":1568.49,"end":1568.73,"confidence":0.7705078,"punctuated_word":"too.","sentiment":"negative","sentiment_score":-0.5608019828796387},{"word":"i","start":1568.73,"end":1568.97,"confidence":0.9819336,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.6323891282081604},{"word":"it","start":1569.69,"end":1569.8049,"confidence":0.99609375,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.6332268714904785},{"word":"it","start":1569.8049,"end":1569.9199,"confidence":0.9951172,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.6519878506660461},{"word":"it","start":1569.9199,"end":1570.1699,"confidence":0.72509766,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.6713836789131165},{"word":"literally","start":1570.1699,"end":1570.57,"confidence":0.9970703,"punctuated_word":"literally","sentiment":"negative","sentiment_score":-0.7392001152038574},{"word":"kills","start":1570.57,"end":1571.07,"confidence":0.9951172,"punctuated_word":"kills.","sentiment":"negative","sentiment_score":-0.6085584759712219},{"word":"okay","start":1608.755,"end":1609.235,"confidence":0.7578125,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.007270137779414654},{"word":"1","start":1609.235,"end":1609.4751,"confidence":0.98828125,"punctuated_word":"1","sentiment":"neutral","sentiment_score":0.003423374146223068},{"word":"718837","start":1609.4751,"end":1611.735,"confidence":0.9904785,"punctuated_word":"718837.","sentiment":"neutral","sentiment_score":0.007555369287729263},{"word":"alright","start":1612.915,"end":1613.415,"confidence":0.70703125,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.017963476479053497},{"word":"you","start":1615.3151,"end":1615.395,"confidence":0.35131836,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.006215060129761696},{"word":"wanna","start":1615.395,"end":1615.635,"confidence":0.8676758,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0006540399044752121},{"word":"be","start":1615.635,"end":1615.795,"confidence":0.74365234,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0032145846635103226},{"word":"specific","start":1615.795,"end":1616.275,"confidence":0.9770508,"punctuated_word":"specific?","sentiment":"neutral","sentiment_score":-0.005453748628497124},{"word":"no","start":1616.275,"end":1616.435,"confidence":0.9489746,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11322593688964844},{"word":"that's","start":1616.435,"end":1616.675,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.040915437042713165},{"word":"cool","start":1616.675,"end":1616.97,"confidence":0.9995117,"punctuated_word":"cool.","sentiment":"neutral","sentiment_score":0.016482673585414886},{"word":"alright","start":1617.21,"end":1617.45,"confidence":0.9538574,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.06707332283258438},{"word":"well","start":1617.45,"end":1617.61,"confidence":0.99853516,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.0422859713435173},{"word":"i","start":1617.61,"end":1617.85,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.056646738201379776},{"word":"can","start":1617.85,"end":1618.1699,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06252716481685638},{"word":"i","start":1618.1699,"end":1618.33,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06074226647615433},{"word":"can","start":1618.33,"end":1618.57,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.058902107179164886},{"word":"work","start":1618.57,"end":1618.8099,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.05397303029894829},{"word":"out","start":1618.8099,"end":1619.0499,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.06613484770059586},{"word":"what","start":1619.0499,"end":1619.21,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06114304065704346},{"word":"the","start":1619.21,"end":1619.37,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0432557538151741},{"word":"levy","start":1619.37,"end":1619.69,"confidence":0.9873047,"punctuated_word":"levy","sentiment":"neutral","sentiment_score":0.03559253364801407},{"word":"would","start":1619.69,"end":1619.77,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.02975907176733017},{"word":"be","start":1619.77,"end":1619.9299,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.026853151619434357},{"word":"based","start":1619.9299,"end":1620.1699,"confidence":0.99902344,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.034770190715789795},{"word":"on","start":1620.1699,"end":1620.25,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03571249544620514},{"word":"that","start":1620.25,"end":1620.57,"confidence":0.9995117,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.03096912056207657},{"word":"i'll","start":1620.57,"end":1620.73,"confidence":0.97802734,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0364563912153244},{"word":"also","start":1620.73,"end":1620.97,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.03534795343875885},{"word":"work","start":1620.97,"end":1621.21,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.03848472237586975},{"word":"it","start":1621.21,"end":1621.2899,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04239172488451004},{"word":"out","start":1621.2899,"end":1621.45,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04058375582098961},{"word":"on","start":1621.45,"end":1621.61,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04636106640100479},{"word":"the","start":1621.61,"end":1621.85,"confidence":0.9482422,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03719110414385795},{"word":"82,000","start":1621.85,"end":1622.65,"confidence":0.9970703,"punctuated_word":"82,000","sentiment":"neutral","sentiment_score":0.027234695851802822},{"word":"to","start":1622.65,"end":1622.89,"confidence":0.9707031,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027556944638490677},{"word":"account","start":1622.89,"end":1623.13,"confidence":0.9560547,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.030825266614556313},{"word":"for","start":1623.13,"end":1623.37,"confidence":0.8400879,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.009352986700832844},{"word":"say","start":1623.37,"end":1623.61,"confidence":0.9975586,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.014230020344257356},{"word":"10","start":1623.61,"end":1623.77,"confidence":1.0,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.024871058762073517},{"word":"grand","start":1623.77,"end":1624.09,"confidence":0.99902344,"punctuated_word":"grand","sentiment":"neutral","sentiment_score":0.016764715313911438},{"word":"worth","start":1624.09,"end":1624.59,"confidence":0.99902344,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.020709171891212463},{"word":"of","start":1624.97,"end":1625.13,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014237700030207634},{"word":"worth","start":1625.13,"end":1625.45,"confidence":0.9921875,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.011883702129125597},{"word":"of","start":1625.45,"end":1625.85,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014672007411718369},{"word":"overtime","start":1625.85,"end":1626.33,"confidence":0.97509766,"punctuated_word":"overtime","sentiment":"neutral","sentiment_score":0.055339109152555466},{"word":"for","start":1626.33,"end":1626.49,"confidence":0.9790039,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.035488955676555634},{"word":"the","start":1626.49,"end":1626.65,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03854107856750488},{"word":"year","start":1626.65,"end":1627.15,"confidence":0.89624023,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.03582986444234848},{"word":"and","start":1628.09,"end":1628.59,"confidence":0.9667969,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06400597840547562},{"word":"and","start":1628.97,"end":1629.21,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06562162190675735},{"word":"i'll","start":1629.21,"end":1629.45,"confidence":0.9680176,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0924878939986229},{"word":"just","start":1629.45,"end":1629.69,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12465539574623108},{"word":"i'll","start":1629.85,"end":1630.25,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1272246539592743},{"word":"throw","start":1630.25,"end":1630.49,"confidence":0.9970703,"punctuated_word":"throw","sentiment":"neutral","sentiment_score":0.15904730558395386},{"word":"those","start":1630.49,"end":1630.73,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.12952759861946106},{"word":"figures","start":1630.73,"end":1631.0499,"confidence":0.98828125,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":0.1127585768699646},{"word":"at","start":1631.0499,"end":1631.21,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.099164217710495},{"word":"you","start":1631.21,"end":1631.505,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12651783227920532},{"word":"so","start":1631.585,"end":1631.745,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12812981009483335},{"word":"that","start":1631.745,"end":1631.905,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13903184235095978},{"word":"way","start":1631.905,"end":1631.985,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.12135258316993712},{"word":"you","start":1631.985,"end":1632.145,"confidence":0.8432617,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1583927571773529},{"word":"have","start":1632.145,"end":1632.225,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16238895058631897},{"word":"it","start":1632.225,"end":1632.385,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12241886556148528},{"word":"all","start":1632.385,"end":1632.545,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.15619242191314697},{"word":"broken","start":1632.545,"end":1632.865,"confidence":1.0,"punctuated_word":"broken","sentiment":"neutral","sentiment_score":0.17736107110977173},{"word":"down","start":1632.865,"end":1633.185,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1612260341644287},{"word":"nicely","start":1633.185,"end":1633.585,"confidence":1.0,"punctuated_word":"nicely","sentiment":"neutral","sentiment_score":0.2172449678182602},{"word":"and","start":1633.585,"end":1633.745,"confidence":0.5307617,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08401733636856079},{"word":"you","start":1633.745,"end":1633.825,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07562513649463654},{"word":"can","start":1633.825,"end":1634.325,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07115761190652847},{"word":"work","start":1634.545,"end":1634.785,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.0355217419564724},{"word":"backwards","start":1634.785,"end":1635.285,"confidence":0.9995117,"punctuated_word":"backwards.","sentiment":"neutral","sentiment_score":0.04321596771478653},{"word":"no","start":1637.825,"end":1638.0651,"confidence":0.9970703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.01812881231307983},{"word":"that's","start":1638.0651,"end":1638.305,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.014735201373696327},{"word":"okay","start":1638.305,"end":1638.805,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.0135839581489563},{"word":"no","start":1651.12,"end":1651.62,"confidence":0.76049805,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07052859663963318},{"word":"still","start":1654.64,"end":1654.88,"confidence":0.8154297,"punctuated_word":"Still","sentiment":"positive","sentiment_score":0.5135254859924316},{"word":"good","start":1654.88,"end":1655.12,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6716793775558472},{"word":"to","start":1655.12,"end":1655.28,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5428418517112732},{"word":"go","start":1655.28,"end":1655.78,"confidence":0.99853516,"punctuated_word":"go.","sentiment":"positive","sentiment_score":0.498324990272522},{"word":"we","start":1679.48,"end":1679.64,"confidence":0.56103516,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.03654833137989044},{"word":"can","start":1679.64,"end":1679.88,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.11107288300991058},{"word":"we","start":1679.88,"end":1680.0399,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1132911816239357},{"word":"can","start":1680.0399,"end":1680.28,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.07393425703048706},{"word":"we","start":1680.28,"end":1680.36,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.10026627779006958},{"word":"can","start":1680.36,"end":1680.52,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.08320992439985275},{"word":"book","start":1680.52,"end":1680.76,"confidence":1.0,"punctuated_word":"book","sentiment":"neutral","sentiment_score":-0.12208175659179688},{"word":"it","start":1680.76,"end":1680.84,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.059989046305418015},{"word":"for","start":1680.84,"end":1680.9199,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.056900154799222946},{"word":"a","start":1680.9199,"end":1681.0,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07426665723323822},{"word":"couple","start":1681.0,"end":1681.24,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.09376422315835951},{"word":"of","start":1681.24,"end":1681.32,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0784224346280098},{"word":"weeks","start":1681.32,"end":1681.64,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":-0.08460155874490738},{"word":"out","start":1681.64,"end":1682.14,"confidence":0.99609375,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.08179335296154022},{"word":"i'm","start":1682.6,"end":1682.9199,"confidence":0.81152344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2516559958457947},{"word":"pretty","start":1682.9199,"end":1683.24,"confidence":0.9941406,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.2704482078552246},{"word":"unavailable","start":1683.24,"end":1683.74,"confidence":1.0,"punctuated_word":"unavailable","sentiment":"neutral","sentiment_score":-0.32200655341148376},{"word":"this","start":1684.815,"end":1685.0549,"confidence":1.0,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.37334564328193665},{"word":"week","start":1685.0549,"end":1685.455,"confidence":1.0,"punctuated_word":"week","sentiment":"negative","sentiment_score":-0.3452593684196472},{"word":"anyway","start":1685.455,"end":1685.7749,"confidence":0.9199219,"punctuated_word":"anyway","sentiment":"negative","sentiment_score":-0.3349568843841553},{"word":"because","start":1685.7749,"end":1686.0149,"confidence":0.82666016,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.25803443789482117},{"word":"i'm","start":1686.0149,"end":1686.095,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2286069393157959},{"word":"booked","start":1686.095,"end":1686.335,"confidence":1.0,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":-0.2209726125001907},{"word":"out","start":1686.335,"end":1686.575,"confidence":0.8479004,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.1933213174343109},{"word":"and","start":1686.575,"end":1686.735,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13816191256046295},{"word":"then","start":1686.735,"end":1686.8949,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.11854596436023712},{"word":"it's","start":1686.8949,"end":1687.135,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.129096120595932},{"word":"my","start":1687.135,"end":1687.375,"confidence":0.9970703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.13486240804195404},{"word":"ten","start":1687.375,"end":1687.5349,"confidence":0.984375,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.0349435955286026},{"word":"year","start":1687.5349,"end":1687.7749,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.0349164642393589},{"word":"wedding","start":1687.7749,"end":1688.095,"confidence":0.9970703,"punctuated_word":"wedding","sentiment":"neutral","sentiment_score":-0.03661985695362091},{"word":"anniversary","start":1688.095,"end":1688.595,"confidence":1.0,"punctuated_word":"anniversary","sentiment":"neutral","sentiment_score":-0.04144422337412834},{"word":"on","start":1689.455,"end":1689.7749,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.10238857567310332},{"word":"thursday","start":1689.7749,"end":1690.2749,"confidence":0.9980469,"punctuated_word":"Thursday.","sentiment":"neutral","sentiment_score":-0.05006169527769089},{"word":"thank","start":1691.135,"end":1691.455,"confidence":0.9838867,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.09401654452085496},{"word":"you","start":1691.455,"end":1691.7749,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.048939526081085205},{"word":"i","start":1691.7749,"end":1691.9349,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11233121901750565},{"word":"haven't","start":1691.9349,"end":1692.255,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.12319469451904295},{"word":"killed","start":1692.255,"end":1692.575,"confidence":1.0,"punctuated_word":"killed","sentiment":"neutral","sentiment_score":-0.22820599377155304},{"word":"him","start":1692.575,"end":1692.735,"confidence":0.97265625,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.14631709456443787},{"word":"yet","start":1692.735,"end":1693.235,"confidence":0.9995117,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.13334017992019653},{"word":"yeah","start":1697.0549,"end":1697.5349,"confidence":0.8935547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.053464945405721664},{"word":"always","start":1697.5349,"end":1698.0349,"confidence":0.98657227,"punctuated_word":"Always.","sentiment":"neutral","sentiment_score":-0.034429050981998444},{"word":"we","start":1698.095,"end":1698.335,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.04267480596899986},{"word":"do","start":1698.335,"end":1698.835,"confidence":0.99853516,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.030894804745912552},{"word":"so","start":1702.07,"end":1702.47,"confidence":0.7895508,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.05133150890469551},{"word":"yeah","start":1702.47,"end":1702.79,"confidence":0.9941406,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.055700890719890594},{"word":"we're","start":1702.79,"end":1703.11,"confidence":0.8144531,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.06085287034511566},{"word":"fifteen","start":1703.11,"end":1703.51,"confidence":0.9863281,"punctuated_word":"fifteen","sentiment":"neutral","sentiment_score":-0.06188612058758736},{"word":"years","start":1703.51,"end":1703.75,"confidence":0.9980469,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.05547478422522545},{"word":"just","start":1703.99,"end":1704.23,"confidence":0.5488281,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07203496247529984},{"word":"shy","start":1704.23,"end":1704.35,"confidence":0.9086914,"punctuated_word":"shy","sentiment":"neutral","sentiment_score":-0.047048360109329224},{"word":"of","start":1704.35,"end":1704.47,"confidence":0.9526367,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05817666649818421},{"word":"fifteen","start":1704.47,"end":1704.71,"confidence":0.99121094,"punctuated_word":"fifteen","sentiment":"neutral","sentiment_score":-0.053762078285217285},{"word":"years","start":1704.71,"end":1704.87,"confidence":0.9970703,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.03842278569936752},{"word":"together","start":1704.87,"end":1705.19,"confidence":0.95654297,"punctuated_word":"together,","sentiment":"neutral","sentiment_score":-0.03603360429406166},{"word":"ten","start":1705.19,"end":1705.35,"confidence":0.99902344,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.04212501645088196},{"word":"years","start":1705.35,"end":1705.59,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.04429732635617256},{"word":"married","start":1705.59,"end":1705.91,"confidence":0.85791016,"punctuated_word":"married.","sentiment":"neutral","sentiment_score":-0.04850472509860992},{"word":"so","start":1705.91,"end":1706.3099,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08141888678073883},{"word":"i'm","start":1706.3099,"end":1706.47,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.12832635641098022},{"word":"taking","start":1706.47,"end":1706.71,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.1849062591791153},{"word":"him","start":1706.71,"end":1706.87,"confidence":0.98095703,"punctuated_word":"him","sentiment":"negative","sentiment_score":-0.3596418499946594},{"word":"away","start":1706.87,"end":1707.27,"confidence":1.0,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.31348955631256104},{"word":"to","start":1707.27,"end":1707.43,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.29759103059768677},{"word":"get","start":1707.43,"end":1707.59,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.30458304286003113},{"word":"away","start":1707.59,"end":1707.83,"confidence":1.0,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.3137418031692505},{"word":"from","start":1707.83,"end":1707.99,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.3127322494983673},{"word":"the","start":1707.99,"end":1708.15,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3061200976371765},{"word":"kids","start":1708.15,"end":1708.39,"confidence":1.0,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.2950737178325653},{"word":"in","start":1708.39,"end":1708.55,"confidence":0.6904297,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.24566370248794556},{"word":"life","start":1708.55,"end":1708.87,"confidence":0.79589844,"punctuated_word":"life.","sentiment":"neutral","sentiment_score":-0.23458099365234375},{"word":"and","start":1708.87,"end":1709.37,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0964195504784584},{"word":"so","start":1709.67,"end":1709.91,"confidence":0.5562744,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.06774678081274033},{"word":"anyway","start":1709.91,"end":1710.41,"confidence":0.9995117,"punctuated_word":"anyway,","sentiment":"neutral","sentiment_score":-0.03780796751379967},{"word":"the","start":1711.03,"end":1711.27,"confidence":0.9453125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02214943990111351},{"word":"week","start":1711.27,"end":1711.43,"confidence":0.9970703,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.010015595704317091},{"word":"of","start":1711.43,"end":1711.59,"confidence":0.8959961,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.013060472905635834},{"word":"like","start":1711.83,"end":1711.99,"confidence":0.9892578,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.007137106731534004},{"word":"i","start":1711.99,"end":1712.07,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.012340329587459564},{"word":"could","start":1712.07,"end":1712.23,"confidence":0.6464844,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.005168449133634567},{"word":"probably","start":1712.23,"end":1712.47,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.0028680674731731415},{"word":"do","start":1712.47,"end":1712.71,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.00043546780943870544},{"word":"friday","start":1712.71,"end":1713.03,"confidence":0.9980469,"punctuated_word":"Friday","sentiment":"neutral","sentiment_score":0.00865781307220459},{"word":"the","start":1713.03,"end":1713.11,"confidence":0.8330078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01000332459807396},{"word":"ninth","start":1713.11,"end":1713.43,"confidence":0.9921875,"punctuated_word":"ninth","sentiment":"neutral","sentiment_score":0.01955700665712357},{"word":"or","start":1713.43,"end":1713.59,"confidence":0.95410156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0047089047729969025},{"word":"the","start":1713.59,"end":1713.75,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005352821201086044},{"word":"following","start":1713.75,"end":1713.99,"confidence":0.9970703,"punctuated_word":"following","sentiment":"neutral","sentiment_score":-0.009249266237020493},{"word":"week","start":1713.99,"end":1714.185,"confidence":0.8828125,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":-0.007260788232088089},{"word":"which","start":1714.185,"end":1714.3451,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.00029161572456359863},{"word":"would","start":1714.3451,"end":1714.5851,"confidence":0.7993164,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.007788453251123428},{"word":"be","start":1714.5851,"end":1714.665,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0028217844665050507},{"word":"the","start":1714.665,"end":1714.905,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0046370625495910645},{"word":"week","start":1714.905,"end":1715.145,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.014203734695911407},{"word":"of","start":1715.145,"end":1715.2251,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.018694311380386353},{"word":"the","start":1715.2251,"end":1715.385,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01258646324276924},{"word":"october","start":1715.385,"end":1715.9951,"confidence":0.96101886,"punctuated_word":"October","sentiment":"neutral","sentiment_score":-0.00785607099533081},{"word":"12","start":1715.9951,"end":1716.6052,"confidence":0.96101886,"punctuated_word":"12.","sentiment":"neutral","sentiment_score":-0.039039213210344315},{"word":"that'd","start":1717.8651,"end":1718.1051,"confidence":0.8232422,"punctuated_word":"That'd","sentiment":"neutral","sentiment_score":-0.0028209718875586987},{"word":"be","start":1718.1051,"end":1718.6051,"confidence":0.9790039,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.002798781730234623},{"word":"no","start":1740.175,"end":1740.415,"confidence":0.70410156,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.08723974227905273},{"word":"problems","start":1740.415,"end":1740.735,"confidence":0.80908203,"punctuated_word":"problems","sentiment":"neutral","sentiment_score":0.12475012987852097},{"word":"at","start":1740.735,"end":1740.975,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11436671763658524},{"word":"all","start":1740.975,"end":1741.475,"confidence":0.9995117,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.14338171482086182},{"word":"perfect","start":1742.5751,"end":1743.0751,"confidence":0.9692383,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.34409910440444946},{"word":"oh","start":1744.015,"end":1744.175,"confidence":0.696167,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.10806427896022797},{"word":"did","start":1744.175,"end":1744.335,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07483531534671783},{"word":"you","start":1744.335,"end":1744.495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07741275429725647},{"word":"wanna","start":1744.495,"end":1744.655,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.08323653042316437},{"word":"give","start":1744.655,"end":1744.8151,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.06564871221780777},{"word":"me","start":1744.8151,"end":1744.975,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05346010625362396},{"word":"your","start":1744.975,"end":1745.135,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07074247300624847},{"word":"email","start":1745.135,"end":1745.455,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.07952219992876053},{"word":"address","start":1745.455,"end":1745.6951,"confidence":0.7644043,"punctuated_word":"address?","sentiment":"neutral","sentiment_score":0.06534542143344879},{"word":"and","start":1745.6951,"end":1745.855,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09164465963840485},{"word":"i'll","start":1745.855,"end":1745.935,"confidence":0.9890137,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1138072833418846},{"word":"i","start":1745.9751,"end":1746.015,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11860128492116928},{"word":"can","start":1746.015,"end":1746.175,"confidence":0.7607422,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12093140184879304},{"word":"just","start":1746.175,"end":1746.335,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12428011745214462},{"word":"send","start":1746.335,"end":1746.495,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1167735606431961},{"word":"you","start":1746.495,"end":1746.655,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1324397623538971},{"word":"an","start":1746.655,"end":1746.735,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10583141446113586},{"word":"email","start":1746.735,"end":1747.055,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.13131697475910187},{"word":"so","start":1747.055,"end":1747.215,"confidence":0.97802734,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15775138139724731},{"word":"you","start":1747.215,"end":1747.295,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14082247018814087},{"word":"can","start":1747.295,"end":1747.615,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13060592114925385},{"word":"touch","start":1747.615,"end":1747.855,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.12507206201553345},{"word":"base","start":1747.855,"end":1748.015,"confidence":0.99902344,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.1318970024585724},{"word":"that","start":1748.015,"end":1748.255,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15097388625144958},{"word":"way","start":1748.255,"end":1748.755,"confidence":0.982666,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.11048262566328047},{"word":"yep","start":1756.17,"end":1756.67,"confidence":0.9128418,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03172237426042557},{"word":"k","start":1758.17,"end":1758.5701,"confidence":0.5498047,"punctuated_word":"K","sentiment":"neutral","sentiment_score":0.008213639259338379},{"word":"a","start":1758.5701,"end":1758.89,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010054952464997768},{"word":"w","start":1758.89,"end":1759.29,"confidence":0.99316406,"punctuated_word":"w.","sentiment":"neutral","sentiment_score":0.008930524811148643},{"word":"yep","start":1759.29,"end":1759.79,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01306687854230404},{"word":"yep","start":1762.81,"end":1763.31,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02438298985362053},{"word":"amazing","start":1767.655,"end":1767.975,"confidence":0.99560547,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.7213544845581055},{"word":"i'll","start":1767.975,"end":1768.055,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.5002756118774414},{"word":"send","start":1768.055,"end":1768.295,"confidence":1.0,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.44675642251968384},{"word":"you","start":1768.295,"end":1768.375,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5202773809432983},{"word":"an","start":1768.375,"end":1768.615,"confidence":1.0,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.4205534160137177},{"word":"email","start":1768.615,"end":1768.855,"confidence":0.9914551,"punctuated_word":"email.","sentiment":"positive","sentiment_score":0.34866249561309814},{"word":"i'll","start":1768.855,"end":1769.095,"confidence":0.9941406,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.24576202034950256},{"word":"cc","start":1769.095,"end":1769.335,"confidence":0.88183594,"punctuated_word":"cc","sentiment":"neutral","sentiment_score":0.3113096058368683},{"word":"you","start":1769.335,"end":1769.415,"confidence":0.9404297,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.276924729347229},{"word":"in","start":1769.415,"end":1769.575,"confidence":0.97998047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24949981272220612},{"word":"on","start":1769.575,"end":1769.735,"confidence":0.9453125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2561885714530945},{"word":"the","start":1769.735,"end":1769.815,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29572686553001404},{"word":"email","start":1769.815,"end":1769.975,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.3216078281402588},{"word":"that","start":1769.975,"end":1770.135,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.274405837059021},{"word":"i","start":1770.135,"end":1770.215,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2457095980644226},{"word":"sent","start":1770.215,"end":1770.455,"confidence":0.9970703,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.2599544823169708},{"word":"to","start":1770.455,"end":1770.775,"confidence":0.78515625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2908801734447479},{"word":"to","start":1770.775,"end":1771.015,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3319575786590576},{"word":"casper","start":1771.015,"end":1771.415,"confidence":0.94433594,"punctuated_word":"Casper,","sentiment":"neutral","sentiment_score":0.2793445289134979},{"word":"but","start":1771.415,"end":1771.655,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2778242826461792},{"word":"i'll","start":1771.655,"end":1772.155,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2613872289657593},{"word":"i'll","start":1772.215,"end":1772.615,"confidence":0.88623047,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.24862012267112732},{"word":"send","start":1772.615,"end":1772.855,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.25400784611701965},{"word":"you","start":1772.855,"end":1773.015,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3323635160923004},{"word":"a","start":1773.015,"end":1773.095,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3180364966392517},{"word":"separate","start":1773.095,"end":1773.415,"confidence":1.0,"punctuated_word":"separate","sentiment":"neutral","sentiment_score":0.3178063631057739},{"word":"email","start":1773.415,"end":1773.575,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2801572382450104},{"word":"so","start":1773.575,"end":1773.735,"confidence":0.9448242,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2971000671386719},{"word":"you","start":1773.735,"end":1773.895,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34060099720954895},{"word":"can","start":1773.895,"end":1774.055,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3228379189968109},{"word":"reach","start":1774.055,"end":1774.215,"confidence":1.0,"punctuated_word":"reach","sentiment":"positive","sentiment_score":0.34928908944129944},{"word":"out","start":1774.215,"end":1774.375,"confidence":1.0,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3415777385234833},{"word":"when","start":1774.375,"end":1774.535,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.32683035731315613},{"word":"you","start":1774.535,"end":1775.035,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.349147766828537},{"word":"have","start":1775.095,"end":1775.495,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3347227871417999},{"word":"a","start":1775.495,"end":1775.655,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3761770129203797},{"word":"moment","start":1775.655,"end":1775.975,"confidence":1.0,"punctuated_word":"moment","sentiment":"positive","sentiment_score":0.3781588077545166},{"word":"free","start":1775.975,"end":1776.475,"confidence":0.9909668,"punctuated_word":"free.","sentiment":"neutral","sentiment_score":0.31402504444122314},{"word":"that","start":1786.39,"end":1786.63,"confidence":0.98535156,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.07963944226503372},{"word":"is","start":1786.63,"end":1787.13,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07009640336036682},{"word":"in","start":1787.1901,"end":1787.43,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07420244067907333},{"word":"your","start":1787.43,"end":1787.67,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06359030306339264},{"word":"like","start":1788.0701,"end":1788.39,"confidence":0.99365234,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08729377388954163},{"word":"when","start":1788.39,"end":1788.63,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0910867303609848},{"word":"you're","start":1788.63,"end":1788.95,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0888289362192154},{"word":"ready","start":1788.95,"end":1789.35,"confidence":1.0,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.09523026645183565},{"word":"to","start":1789.35,"end":1789.59,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09918085485696793},{"word":"set","start":1789.59,"end":1789.83,"confidence":1.0,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.07752030342817307},{"word":"this","start":1789.83,"end":1790.0701,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.12236449867486954},{"word":"up","start":1790.0701,"end":1790.5701,"confidence":0.94873047,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.07527612894773483},{"word":"so","start":1790.87,"end":1791.03,"confidence":0.7973633,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.043912358582019806},{"word":"if","start":1791.03,"end":1791.1901,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04392213374376297},{"word":"you","start":1791.1901,"end":1791.43,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06131580471992493},{"word":"authorize","start":1791.43,"end":1791.93,"confidence":0.99609375,"punctuated_word":"authorize","sentiment":"neutral","sentiment_score":0.12006018310785294},{"word":"this","start":1792.0701,"end":1792.5701,"confidence":0.9980469,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":0.10220449417829514},{"word":"basically","start":1793.6849,"end":1794.1649,"confidence":0.9836426,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.08034420013427734},{"word":"it's","start":1794.1649,"end":1794.325,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09804534912109376},{"word":"a","start":1794.325,"end":1794.485,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11147233843803406},{"word":"matter","start":1794.485,"end":1794.725,"confidence":1.0,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":0.10078471153974532},{"word":"of","start":1794.725,"end":1795.225,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0965285524725914},{"word":"you","start":1795.6849,"end":1796.005,"confidence":0.7680664,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0891466736793518},{"word":"tell","start":1796.005,"end":1796.245,"confidence":0.99609375,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.06317837536334991},{"word":"me","start":1796.245,"end":1796.485,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06620755791664124},{"word":"the","start":1796.485,"end":1796.645,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06657377630472183},{"word":"day","start":1796.645,"end":1796.885,"confidence":0.9980469,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.06557299196720123},{"word":"you","start":1796.885,"end":1797.0449,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05100717023015022},{"word":"want","start":1797.0449,"end":1797.365,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.04689351469278336},{"word":"the","start":1797.365,"end":1797.525,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06238028034567833},{"word":"contributions","start":1797.525,"end":1798.025,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.07319378107786179},{"word":"to","start":1798.325,"end":1798.565,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05819740146398544},{"word":"come","start":1798.565,"end":1798.8049,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.07364813983440399},{"word":"out","start":1798.8049,"end":1799.285,"confidence":0.8730469,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.0753551721572876},{"word":"and","start":1799.285,"end":1799.525,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04193798080086708},{"word":"there","start":1799.525,"end":1799.765,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04604432359337807},{"word":"are","start":1799.765,"end":1799.9249,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04636455327272415},{"word":"two","start":1799.9249,"end":1800.1649,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.054343633353710175},{"word":"ways","start":1800.1649,"end":1800.405,"confidence":1.0,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.07923206686973572},{"word":"that","start":1800.405,"end":1800.565,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12917543947696686},{"word":"we","start":1800.565,"end":1800.645,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1385287493467331},{"word":"can","start":1800.645,"end":1800.8049,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13579240441322327},{"word":"set","start":1800.8049,"end":1800.965,"confidence":1.0,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.13301822543144226},{"word":"this","start":1800.965,"end":1801.205,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.18325984477996823},{"word":"up","start":1801.205,"end":1801.705,"confidence":1.0,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.12835174798965454},{"word":"one","start":1801.845,"end":1802.085,"confidence":1.0,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.130253404378891},{"word":"is","start":1802.085,"end":1802.325,"confidence":0.97509766,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12016838043928146},{"word":"that","start":1802.325,"end":1802.565,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11600617319345474},{"word":"i","start":1802.565,"end":1802.725,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14408043026924133},{"word":"set","start":1802.725,"end":1802.965,"confidence":0.99609375,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.14486880600452423},{"word":"up","start":1802.965,"end":1803.205,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.15181325376033783},{"word":"a","start":1803.205,"end":1803.525,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1934228241443634},{"word":"regular","start":1803.525,"end":1804.005,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.23292285203933716},{"word":"saving","start":1804.005,"end":1804.405,"confidence":0.58496094,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":0.1611366868019104},{"word":"strategy","start":1804.405,"end":1804.905,"confidence":1.0,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.14851978421211243},{"word":"where","start":1805.28,"end":1805.4401,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.14109918475151062},{"word":"the","start":1805.4401,"end":1805.52,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14401258528232574},{"word":"money","start":1805.52,"end":1805.92,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.14680644869804382},{"word":"will","start":1805.92,"end":1806.0801,"confidence":0.62890625,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.21913161873817444},{"word":"just","start":1806.0801,"end":1806.24,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23969559371471405},{"word":"be","start":1806.24,"end":1806.48,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2660489082336426},{"word":"deducted","start":1806.48,"end":1806.8,"confidence":1.0,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.30621689558029175},{"word":"from","start":1806.8,"end":1806.9601,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2746131122112274},{"word":"your","start":1806.9601,"end":1807.12,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2472720593214035},{"word":"account","start":1807.12,"end":1807.4401,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.24078220129013064},{"word":"to","start":1807.4401,"end":1807.6001,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21775811910629272},{"word":"save","start":1807.6001,"end":1807.76,"confidence":0.99902344,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.1689525693655014},{"word":"you","start":1807.76,"end":1807.92,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25753986835479736},{"word":"the","start":1807.92,"end":1808.0,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2276989668607712},{"word":"headache","start":1808.0,"end":1808.24,"confidence":0.99902344,"punctuated_word":"headache","sentiment":"neutral","sentiment_score":0.18807777762413025},{"word":"of","start":1808.24,"end":1808.4,"confidence":0.9223633,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21210242807865143},{"word":"having","start":1808.4,"end":1808.64,"confidence":0.96435547,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.17683617770671844},{"word":"to","start":1808.64,"end":1808.7201,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1702362596988678},{"word":"think","start":1808.7201,"end":1808.88,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.16860626637935638},{"word":"about","start":1808.88,"end":1809.12,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.17266830801963806},{"word":"it","start":1809.12,"end":1809.62,"confidence":0.73254395,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.16100074350833893},{"word":"or","start":1809.8401,"end":1810.0,"confidence":0.77441406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11689027398824692},{"word":"the","start":1810.0,"end":1810.24,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11947689950466156},{"word":"other","start":1810.24,"end":1810.64,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.12903296947479248},{"word":"is","start":1810.64,"end":1811.04,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11667196452617644},{"word":"you","start":1811.04,"end":1811.54,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14890752732753754},{"word":"control","start":1811.68,"end":1812.0801,"confidence":1.0,"punctuated_word":"control","sentiment":"neutral","sentiment_score":0.14375163614749908},{"word":"it","start":1812.0801,"end":1812.3201,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19016790390014648},{"word":"and","start":1812.3201,"end":1812.56,"confidence":0.8183594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11627615988254549},{"word":"you","start":1812.56,"end":1812.88,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15232181549072266},{"word":"have","start":1812.88,"end":1813.12,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16549256443977356},{"word":"the","start":1813.12,"end":1813.28,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18811920285224917},{"word":"money","start":1813.28,"end":1813.78,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.16223016381263733},{"word":"you","start":1814.0801,"end":1814.4,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15219900012016296},{"word":"send","start":1814.4,"end":1814.7201,"confidence":0.9902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.13353784382343292},{"word":"the","start":1814.7201,"end":1814.88,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14369221031665802},{"word":"money","start":1814.88,"end":1815.2001,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.16287481784820557},{"word":"to","start":1815.2001,"end":1815.4401,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.141703799366951},{"word":"the","start":1815.4401,"end":1815.6001,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11227839440107346},{"word":"fund","start":1815.6001,"end":1816.1001,"confidence":0.90405273,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.1155136376619339},{"word":"the","start":1818.24,"end":1818.4,"confidence":0.9716797,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.09212254732847214},{"word":"first","start":1818.4,"end":1818.64,"confidence":0.9892578,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.10389386862516405},{"word":"option","start":1818.64,"end":1819.12,"confidence":0.782959,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":0.14631174504756927},{"word":"cool","start":1819.12,"end":1819.4401,"confidence":0.98095703,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.2925826609134674},{"word":"and","start":1819.4401,"end":1819.545,"confidence":0.95166016,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.160569965839386},{"word":"then","start":1819.7051,"end":1819.865,"confidence":0.94189453,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.18828654289245603},{"word":"you","start":1819.865,"end":1819.9451,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16547319293022156},{"word":"just","start":1819.9451,"end":1820.025,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18340539932250977},{"word":"need","start":1820.025,"end":1820.185,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.18519356846809387},{"word":"to","start":1820.185,"end":1820.265,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1563403457403183},{"word":"tell","start":1820.265,"end":1820.505,"confidence":1.0,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.09526921063661575},{"word":"me","start":1820.505,"end":1820.5851,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1177227571606636},{"word":"the","start":1820.5851,"end":1820.665,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12740997970104218},{"word":"date","start":1820.665,"end":1820.8251,"confidence":0.99902344,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.1412711888551712},{"word":"that","start":1820.8251,"end":1820.985,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13185760378837583},{"word":"you","start":1820.985,"end":1821.145,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1126011461019516},{"word":"want","start":1821.145,"end":1821.2251,"confidence":0.9941406,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.09643378108739852},{"word":"it","start":1821.2251,"end":1821.305,"confidence":0.9589844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17421936988830566},{"word":"to","start":1821.305,"end":1821.385,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11132980138063432},{"word":"happen","start":1821.385,"end":1821.7051,"confidence":0.90600586,"punctuated_word":"happen,","sentiment":"neutral","sentiment_score":0.13770946860313416},{"word":"whether","start":1821.7051,"end":1821.9451,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.11479958146810532},{"word":"you","start":1821.9451,"end":1822.025,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1067817434668541},{"word":"want","start":1822.025,"end":1822.185,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.07458151876926422},{"word":"it","start":1822.185,"end":1822.265,"confidence":0.9370117,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13604512810707092},{"word":"to","start":1822.265,"end":1822.3451,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08599936217069626},{"word":"be","start":1822.3451,"end":1822.425,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09511087834835052},{"word":"on","start":1822.425,"end":1822.5851,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10168876498937608},{"word":"a","start":1822.5851,"end":1822.745,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09581123292446136},{"word":"monday","start":1822.745,"end":1823.0651,"confidence":1.0,"punctuated_word":"Monday","sentiment":"neutral","sentiment_score":0.0906311422586441},{"word":"or","start":1823.0651,"end":1823.385,"confidence":0.9316406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08311362564563751},{"word":"a","start":1823.385,"end":1823.545,"confidence":0.93359375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09573115408420564},{"word":"friday","start":1823.545,"end":1823.785,"confidence":1.0,"punctuated_word":"Friday","sentiment":"neutral","sentiment_score":0.07583099603652954},{"word":"or","start":1823.785,"end":1824.285,"confidence":0.98828125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05943894386291504},{"word":"a","start":1824.3451,"end":1824.505,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05330058932304382},{"word":"blah","start":1824.505,"end":1824.665,"confidence":0.89501953,"punctuated_word":"blah","sentiment":"neutral","sentiment_score":0.032376550137996674},{"word":"blah","start":1824.665,"end":1824.8251,"confidence":0.875,"punctuated_word":"blah","sentiment":"neutral","sentiment_score":0.03503867983818054},{"word":"blah","start":1824.8251,"end":1825.3251,"confidence":0.99316406,"punctuated_word":"blah.","sentiment":"neutral","sentiment_score":0.04902700334787369},{"word":"why","start":1838.2001,"end":1838.6001,"confidence":0.6796875,"punctuated_word":"Why","sentiment":"neutral","sentiment_score":-0.27043604850769043},{"word":"are","start":1838.6001,"end":1838.68,"confidence":0.9790039,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2644977867603302},{"word":"you","start":1838.68,"end":1838.8401,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2763204574584961},{"word":"not","start":1838.8401,"end":1839.0,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2607371211051941},{"word":"claiming","start":1839.0,"end":1839.3201,"confidence":1.0,"punctuated_word":"claiming","sentiment":"neutral","sentiment_score":-0.2609860301017761},{"word":"the","start":1839.3201,"end":1839.4801,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2599523365497589},{"word":"tax","start":1839.4801,"end":1839.7201,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.25724175572395325},{"word":"free","start":1839.7201,"end":1839.9601,"confidence":0.9951172,"punctuated_word":"free","sentiment":"neutral","sentiment_score":-0.16524872183799744},{"word":"threshold","start":1839.9601,"end":1840.4601,"confidence":0.99902344,"punctuated_word":"threshold?","sentiment":"neutral","sentiment_score":-0.19050118327140808},{"word":"yeah","start":1848.0651,"end":1848.385,"confidence":0.97753906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10342150181531906},{"word":"no","start":1848.385,"end":1848.785,"confidence":0.9975586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.16323965787887573},{"word":"no","start":1848.785,"end":1849.185,"confidence":0.7854004,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1816757470369339},{"word":"no","start":1849.185,"end":1849.5851,"confidence":0.9838867,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15615728497505188},{"word":"absolutely","start":1849.5851,"end":1849.985,"confidence":0.9897461,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.05722974985837936},{"word":"yeah","start":1849.985,"end":1850.2251,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02519458159804344},{"word":"no","start":1850.2251,"end":1850.7051,"confidence":0.9995117,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03574982285499573},{"word":"it's","start":1850.7051,"end":1850.9451,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.06552253663539886},{"word":"absolutely","start":1850.9451,"end":1851.3451,"confidence":0.9970703,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.10796612501144408},{"word":"fine","start":1851.3451,"end":1851.665,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.06390519440174103},{"word":"all","start":1851.665,"end":1851.905,"confidence":0.9716797,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.04509284347295761},{"word":"it","start":1851.905,"end":1851.985,"confidence":0.66845703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02497246116399765},{"word":"means","start":1851.985,"end":1852.2251,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.030443064868450165},{"word":"is","start":1852.2251,"end":1852.305,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.013200797140598295},{"word":"that","start":1852.305,"end":1852.4651,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.002450712025165558},{"word":"your","start":1852.4651,"end":1852.7051,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06183469295501709},{"word":"employer","start":1852.7051,"end":1853.185,"confidence":1.0,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":-0.06786433607339859},{"word":"pay","start":1853.185,"end":1853.425,"confidence":0.9790039,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.06907419860363007},{"word":"like","start":1853.5851,"end":1853.905,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.06138575077056885},{"word":"they","start":1853.905,"end":1854.145,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.08805334568023682},{"word":"exclude","start":1854.145,"end":1854.625,"confidence":1.0,"punctuated_word":"exclude","sentiment":"neutral","sentiment_score":-0.0560905784368515},{"word":"the","start":1854.625,"end":1854.7051,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12959641218185425},{"word":"tax","start":1854.7051,"end":1855.025,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.08122969418764114},{"word":"free","start":1855.025,"end":1855.265,"confidence":0.9291992,"punctuated_word":"free","sentiment":"neutral","sentiment_score":-0.0603267103433609},{"word":"threshold","start":1855.265,"end":1855.765,"confidence":1.0,"punctuated_word":"threshold","sentiment":"neutral","sentiment_score":-0.08916043490171432},{"word":"when","start":1855.8251,"end":1856.145,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.12545010447502136},{"word":"they're","start":1856.145,"end":1856.385,"confidence":1.0,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.0916697308421135},{"word":"paying","start":1856.385,"end":1856.625,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.0791308730840683},{"word":"you","start":1856.625,"end":1856.865,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06011700630187988},{"word":"each","start":1856.865,"end":1857.105,"confidence":1.0,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.09349870681762695},{"word":"fortnight","start":1857.105,"end":1857.605,"confidence":0.82373047,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":-0.10963846743106842},{"word":"and","start":1857.9,"end":1858.38,"confidence":0.93188477,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.11839139461517334},{"word":"again","start":1858.38,"end":1858.7001,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.09788280725479126},{"word":"you're","start":1858.7001,"end":1858.9401,"confidence":0.98168945,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.12789493799209595},{"word":"just","start":1858.9401,"end":1859.02,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1720675826072693},{"word":"gonna","start":1859.02,"end":1859.26,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2217572331428528},{"word":"end","start":1859.26,"end":1859.3401,"confidence":0.9980469,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.051822587847709656},{"word":"up","start":1859.3401,"end":1859.42,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.01888929307460785},{"word":"with","start":1859.42,"end":1859.66,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.04688793420791626},{"word":"even","start":1859.66,"end":1859.9,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.06346796452999115},{"word":"more","start":1859.9,"end":1860.14,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0037604570388793945},{"word":"at","start":1860.14,"end":1860.22,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.14306272566318512},{"word":"the","start":1860.22,"end":1860.3,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09365716576576232},{"word":"end","start":1860.3,"end":1860.4601,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.05345316231250763},{"word":"of","start":1860.4601,"end":1860.62,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.034891217947006226},{"word":"the","start":1860.62,"end":1860.7001,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03711169958114624},{"word":"financial","start":1860.7001,"end":1861.18,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.10615674406290054},{"word":"year","start":1861.18,"end":1861.5801,"confidence":0.99902344,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.05869470164179802},{"word":"it's","start":1861.5801,"end":1861.74,"confidence":0.99853516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.020798422396183017},{"word":"not","start":1861.74,"end":1862.06,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.040138036012649536},{"word":"really","start":1862.06,"end":1862.38,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.12102655321359634},{"word":"an","start":1862.38,"end":1862.4601,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.1424521952867508},{"word":"issue","start":1862.4601,"end":1862.9601,"confidence":1.0,"punctuated_word":"issue.","sentiment":"neutral","sentiment_score":-0.11224552989006042},{"word":"i","start":1871.3401,"end":1871.5801,"confidence":0.87060547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.015872130170464516},{"word":"can","start":1871.5801,"end":1872.0801,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.014491839334368706},{"word":"calculate","start":1872.3,"end":1872.78,"confidence":0.9951172,"punctuated_word":"calculate","sentiment":"neutral","sentiment_score":-0.0508652962744236},{"word":"it","start":1872.78,"end":1873.215,"confidence":0.9916992,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.010166432708501816},{"word":"yeah","start":1873.215,"end":1873.375,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.038380540907382965},{"word":"i","start":1873.375,"end":1873.615,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.032868172973394394},{"word":"can","start":1873.615,"end":1873.695,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.032413046807050705},{"word":"give","start":1873.695,"end":1873.815,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.02929516509175301},{"word":"you","start":1873.815,"end":1873.9349,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03118036314845085},{"word":"a","start":1873.9349,"end":1874.325,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024071507155895233},{"word":"rough","start":1874.325,"end":1874.575,"confidence":1.0,"punctuated_word":"rough","sentiment":"neutral","sentiment_score":0.01158328726887703},{"word":"idea","start":1874.575,"end":1875.075,"confidence":1.0,"punctuated_word":"idea.","sentiment":"neutral","sentiment_score":0.03035966120660305},{"word":"correct","start":1885.855,"end":1886.19,"confidence":0.9301758,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.13146913051605225},{"word":"that's","start":1889.71,"end":1890.21,"confidence":0.96655273,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.07144411653280258},{"word":"oh","start":1890.75,"end":1891.07,"confidence":0.87597656,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.132586270570755},{"word":"no","start":1891.07,"end":1891.3899,"confidence":0.95166016,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.10173039138317108},{"word":"you're","start":1891.3899,"end":1891.6299,"confidence":0.9519043,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.02806345373392105},{"word":"okay","start":1891.6299,"end":1892.1299,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.004673471674323082},{"word":"so","start":1898.75,"end":1899.07,"confidence":0.9550781,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.012553047388792038},{"word":"that","start":1899.07,"end":1899.23,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.004953507333993912},{"word":"yep","start":1899.3899,"end":1899.7899,"confidence":0.9973958,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.003809107933193445},{"word":"so","start":1899.7899,"end":1900.0299,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02450380101799965},{"word":"that","start":1900.0299,"end":1900.485,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0410391241312027},{"word":"that","start":1900.565,"end":1900.885,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04405483230948448},{"word":"little","start":1900.885,"end":1901.125,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.0496058352291584},{"word":"box","start":1901.125,"end":1901.445,"confidence":1.0,"punctuated_word":"box","sentiment":"neutral","sentiment_score":0.033794716000556946},{"word":"there","start":1901.445,"end":1901.6849,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.034197647124528885},{"word":"above","start":1901.6849,"end":1902.005,"confidence":0.97802734,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.036844559013843536},{"word":"the","start":1902.005,"end":1902.165,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027596602216362953},{"word":"signature","start":1902.165,"end":1902.565,"confidence":1.0,"punctuated_word":"signature","sentiment":"neutral","sentiment_score":0.004621684551239014},{"word":"is","start":1902.565,"end":1902.8049,"confidence":0.9838867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01597997173666954},{"word":"if","start":1902.8049,"end":1902.965,"confidence":0.9760742,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.026423584669828415},{"word":"you","start":1902.965,"end":1903.205,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025388067588210102},{"word":"wanted","start":1903.205,"end":1903.445,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.02654898352921009},{"word":"to","start":1903.445,"end":1903.945,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.026999151334166527},{"word":"go","start":1904.085,"end":1904.325,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0400787815451622},{"word":"ahead","start":1904.325,"end":1904.645,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.04897500202059746},{"word":"with","start":1904.645,"end":1905.145,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.030763721093535423},{"word":"the","start":1905.365,"end":1905.605,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03741316497325897},{"word":"three","start":1905.605,"end":1906.005,"confidence":0.9790039,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":0.03664064407348633},{"word":"the","start":1906.005,"end":1906.165,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04229654371738434},{"word":"four","start":1906.165,"end":1906.405,"confidence":0.98583984,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.03553880751132965},{"word":"or","start":1906.405,"end":1906.565,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0238802433013916},{"word":"the","start":1906.565,"end":1906.725,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03618327155709267},{"word":"five","start":1906.725,"end":1907.225,"confidence":0.9519043,"punctuated_word":"five,","sentiment":"neutral","sentiment_score":0.03737928345799446},{"word":"you","start":1907.605,"end":1907.765,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034436821937561035},{"word":"would","start":1907.765,"end":1907.9249,"confidence":0.9873047,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.04030855745077133},{"word":"just","start":1907.9249,"end":1908.165,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04159668833017349},{"word":"write","start":1908.165,"end":1908.485,"confidence":0.9980469,"punctuated_word":"write","sentiment":"neutral","sentiment_score":0.02626309171319008},{"word":"in","start":1908.485,"end":1908.725,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.020168941468000412},{"word":"that","start":1908.725,"end":1909.045,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.023489758372306824},{"word":"i","start":1909.045,"end":1909.285,"confidence":0.97802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03897370398044586},{"word":"wanna","start":1909.285,"end":1909.605,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.04434353858232498},{"word":"proceed","start":1909.605,"end":1910.085,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.07462210953235626},{"word":"with","start":1910.085,"end":1910.405,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04976445809006691},{"word":"500,000","start":1910.405,"end":1911.205,"confidence":0.9996745,"punctuated_word":"500,000","sentiment":"neutral","sentiment_score":0.07022476941347122},{"word":"per","start":1911.205,"end":1911.365,"confidence":0.96972656,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.07052649557590485},{"word":"oh","start":1911.525,"end":1911.605,"confidence":0.92993164,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.07252874970436096},{"word":"sorry","start":1911.605,"end":1911.9249,"confidence":0.8779297,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.059010546654462814},{"word":"$5,500","start":1911.9249,"end":1913.125,"confidence":0.96533203,"punctuated_word":"$5,500","sentiment":"neutral","sentiment_score":0.09377678483724594},{"word":"per","start":1913.125,"end":1913.285,"confidence":0.9951172,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.1183781772851944},{"word":"fortnight","start":1913.285,"end":1913.785,"confidence":0.81591797,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":0.07205869257450104},{"word":"so","start":1914.0,"end":1914.24,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17472770810127258},{"word":"that","start":1914.24,"end":1914.4,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22806042432785031},{"word":"way","start":1914.4,"end":1914.72,"confidence":0.77319336,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.2089908868074417},{"word":"my","start":1914.72,"end":1914.96,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.2579529881477356},{"word":"team","start":1914.96,"end":1915.28,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.2861115038394928},{"word":"knows","start":1915.28,"end":1915.52,"confidence":1.0,"punctuated_word":"knows","sentiment":"neutral","sentiment_score":0.21885712444782257},{"word":"when","start":1915.52,"end":1915.76,"confidence":0.9838867,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.26418063044548035},{"word":"they're","start":1915.76,"end":1915.92,"confidence":1.0,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.22235727310180664},{"word":"setting","start":1915.92,"end":1916.16,"confidence":1.0,"punctuated_word":"setting","sentiment":"neutral","sentiment_score":0.209043487906456},{"word":"up","start":1916.16,"end":1916.32,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.20679205656051636},{"word":"that","start":1916.32,"end":1916.56,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2752290666103363},{"word":"savings","start":1916.56,"end":1917.06,"confidence":0.6147461,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.12172035872936247},{"word":"strategy","start":1917.12,"end":1917.62,"confidence":1.0,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.1941610723733902},{"word":"that","start":1918.0,"end":1918.24,"confidence":0.86035156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3017089366912842},{"word":"they","start":1918.24,"end":1918.48,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.26181021332740784},{"word":"that's","start":1918.64,"end":1918.88,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.27110984921455383},{"word":"what","start":1918.88,"end":1919.12,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2863613963127136},{"word":"you","start":1919.12,"end":1919.28,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29361191391944885},{"word":"you've","start":1919.36,"end":1919.6,"confidence":0.9941406,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.217820405960083},{"word":"agreed","start":1919.6,"end":1920.0,"confidence":0.99902344,"punctuated_word":"agreed","sentiment":"neutral","sentiment_score":0.20417413115501404},{"word":"to","start":1920.0,"end":1920.08,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21121621131896973},{"word":"go","start":1920.08,"end":1920.24,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.22285644710063937},{"word":"ahead","start":1920.24,"end":1920.48,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.22104445099830627},{"word":"with","start":1920.48,"end":1920.8,"confidence":0.83740234,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.1729394942522049},{"word":"so","start":1920.8,"end":1920.96,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11915606260299684},{"word":"if","start":1920.96,"end":1921.04,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09412650763988496},{"word":"you","start":1921.04,"end":1921.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10459955036640169},{"word":"wanna","start":1921.2,"end":1921.52,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09293484687805176},{"word":"alter","start":1921.52,"end":1921.68,"confidence":0.9873047,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":0.08157309144735336},{"word":"the","start":1921.68,"end":1921.84,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05914238095283508},{"word":"advice","start":1921.84,"end":1922.34,"confidence":0.8901367,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.021091779693961143},{"word":"if","start":1922.56,"end":1922.72,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.09727046638727188},{"word":"you","start":1922.72,"end":1922.8,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09388332813978197},{"word":"wanna","start":1922.8,"end":1923.12,"confidence":1.0,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09804189950227736},{"word":"go","start":1923.12,"end":1923.28,"confidence":0.9951172,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11188212782144548},{"word":"ahead","start":1923.28,"end":1923.44,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.09986455738544464},{"word":"with","start":1923.44,"end":1923.6,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08370302617549896},{"word":"400","start":1923.6,"end":1924.16,"confidence":0.9970703,"punctuated_word":"400,","sentiment":"neutral","sentiment_score":0.07759836316108704},{"word":"you","start":1924.16,"end":1924.32,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07009518891572952},{"word":"just","start":1924.32,"end":1924.56,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06488510966300964},{"word":"say","start":1924.56,"end":1924.88,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.07894249260425568},{"word":"just","start":1925.04,"end":1925.2,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06794299185276031},{"word":"put","start":1925.2,"end":1925.36,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.05761709064245224},{"word":"a","start":1925.36,"end":1925.52,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06633241474628448},{"word":"dot","start":1925.52,"end":1925.76,"confidence":0.99121094,"punctuated_word":"dot","sentiment":"neutral","sentiment_score":0.07057687640190125},{"word":"net","start":1925.76,"end":1926.0,"confidence":0.79907227,"punctuated_word":"net.","sentiment":"neutral","sentiment_score":0.06193939596414566},{"word":"you","start":1926.0,"end":1926.08,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.0981563925743103},{"word":"don't","start":1926.08,"end":1926.32,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.08678212016820908},{"word":"have","start":1926.32,"end":1926.48,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0461994968354702},{"word":"to","start":1926.48,"end":1926.56,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00031221285462379456},{"word":"do","start":1926.56,"end":1926.64,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03175755962729454},{"word":"anything","start":1926.64,"end":1926.96,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.01593189686536789},{"word":"else","start":1926.96,"end":1927.46,"confidence":0.9995117,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":0.004065081477165222},{"word":"no","start":1932.845,"end":1933.1649,"confidence":0.93237305,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.11293578147888184},{"word":"you're","start":1933.1649,"end":1933.4049,"confidence":0.9980469,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.3290867209434509},{"word":"so","start":1933.4049,"end":1933.6449,"confidence":0.9873047,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.39942607283592224},{"word":"fine","start":1933.6449,"end":1934.1449,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.3879041075706482},{"word":"oh","start":1934.845,"end":1935.345,"confidence":0.76464844,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.6196749210357666},{"word":"that's","start":1936.205,"end":1936.445,"confidence":0.89501953,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.441532850265503},{"word":"okay","start":1936.445,"end":1936.6849,"confidence":1.0,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.4317434430122375},{"word":"i'll","start":1936.6849,"end":1936.845,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.357164204120636},{"word":"get","start":1936.845,"end":1937.005,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3378135561943054},{"word":"all","start":1937.005,"end":1937.085,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.3185519576072693},{"word":"those","start":1937.085,"end":1937.325,"confidence":0.74853516,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.36065828800201416},{"word":"emails","start":1937.325,"end":1937.565,"confidence":0.9902344,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.3237674832344055},{"word":"sent","start":1937.565,"end":1937.725,"confidence":1.0,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.30218830704689026},{"word":"out","start":1937.725,"end":1937.8849,"confidence":0.9951172,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.34521788358688354},{"word":"to","start":1937.8849,"end":1937.965,"confidence":0.99316406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34618765115737915},{"word":"you","start":1937.965,"end":1938.0449,"confidence":0.77319336,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3421395421028137},{"word":"and","start":1938.0449,"end":1938.205,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.18593448400497437},{"word":"if","start":1938.205,"end":1938.365,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16539418697357178},{"word":"there's","start":1938.365,"end":1938.605,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.16967444121837616},{"word":"any","start":1938.605,"end":1938.9249,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.16583792865276337},{"word":"questions","start":1938.9249,"end":1939.325,"confidence":0.9140625,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.1330956220626831},{"word":"you","start":1939.325,"end":1939.4049,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14917609095573425},{"word":"can","start":1939.4049,"end":1939.725,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15695033967494965},{"word":"shoot","start":1939.725,"end":1939.8849,"confidence":1.0,"punctuated_word":"shoot","sentiment":"neutral","sentiment_score":0.13349363207817078},{"word":"an","start":1939.8849,"end":1940.0449,"confidence":0.8491211,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.12822706997394562},{"word":"email","start":1940.0449,"end":1940.46,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1474006474018097},{"word":"back","start":1948.22,"end":1948.46,"confidence":0.9995117,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.08168864250183105},{"word":"yes","start":1948.46,"end":1948.7799,"confidence":0.986084,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14400643110275269},{"word":"i","start":1948.7799,"end":1949.02,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17218108475208282},{"word":"will","start":1949.02,"end":1949.34,"confidence":1.0,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.21162739396095276},{"word":"my","start":1949.34,"end":1949.5,"confidence":1.0,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.1971067190170288},{"word":"team","start":1949.5,"end":1949.74,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.29273277521133423},{"word":"will","start":1949.74,"end":1949.8999,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.280648797750473},{"word":"do","start":1949.8999,"end":1949.98,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3149596154689789},{"word":"that","start":1949.98,"end":1950.22,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3141418397426605},{"word":"this","start":1950.22,"end":1950.38,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.24887080490589145},{"word":"week","start":1950.38,"end":1950.62,"confidence":0.9980469,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.2694334089756012},{"word":"they'll","start":1950.62,"end":1950.86,"confidence":0.99609375,"punctuated_word":"They'll","sentiment":"neutral","sentiment_score":0.24668088555336},{"word":"get","start":1950.86,"end":1951.1,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.23274238407611847},{"word":"forms","start":1951.1,"end":1951.4199,"confidence":0.92822266,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.20051489770412445},{"word":"out","start":1951.4199,"end":1951.58,"confidence":0.98535156,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.24486099183559415},{"word":"to","start":1951.58,"end":1951.74,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29193466901779175},{"word":"you","start":1951.74,"end":1951.8999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29614847898483276},{"word":"to","start":1951.8999,"end":1952.14,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2620144486427307},{"word":"set","start":1952.14,"end":1952.38,"confidence":0.9970703,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.24084341526031497},{"word":"up","start":1952.38,"end":1952.5399,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2419566959142685},{"word":"the","start":1952.5399,"end":1953.02,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26389744877815247},{"word":"automatic","start":1953.02,"end":1953.52,"confidence":0.98095703,"punctuated_word":"automatic","sentiment":"neutral","sentiment_score":0.24800732731819153},{"word":"savings","start":1953.58,"end":1954.065,"confidence":0.99902344,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.1725495159626007},{"word":"strategy","start":1961.5049,"end":1962.0049,"confidence":0.99853516,"punctuated_word":"strategy.","sentiment":"neutral","sentiment_score":0.013107415288686752},{"word":"it","start":1962.065,"end":1962.3849,"confidence":0.9770508,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1554233729839325},{"word":"definitely","start":1962.3849,"end":1962.7849,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.17017942667007446},{"word":"can","start":1962.7849,"end":1963.0249,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09291377663612366},{"word":"be","start":1963.0249,"end":1963.1849,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06997066736221313},{"word":"on","start":1963.1849,"end":1963.345,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07843248546123505},{"word":"a","start":1963.345,"end":1963.4249,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1132095232605934},{"word":"computer","start":1963.4249,"end":1963.9249,"confidence":0.98999023,"punctuated_word":"computer.","sentiment":"neutral","sentiment_score":0.12079200148582458},{"word":"and","start":1964.465,"end":1964.705,"confidence":0.9013672,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0728083997964859},{"word":"can","start":1964.705,"end":1964.865,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05949334055185318},{"word":"you","start":1964.865,"end":1965.105,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0825975090265274},{"word":"confirm","start":1965.105,"end":1965.5049,"confidence":0.76342773,"punctuated_word":"confirm,","sentiment":"neutral","sentiment_score":0.0812118723988533},{"word":"while","start":1965.5049,"end":1965.745,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.07250291854143143},{"word":"you","start":1965.745,"end":1965.9049,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0987047329545021},{"word":"and","start":1965.9049,"end":1966.065,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06812482327222824},{"word":"i","start":1966.065,"end":1966.1449,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07686327397823334},{"word":"are","start":1966.1449,"end":1966.225,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07122480869293213},{"word":"on","start":1966.225,"end":1966.3849,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06378552317619324},{"word":"the","start":1966.3849,"end":1966.465,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0770193412899971},{"word":"phone","start":1966.465,"end":1966.7849,"confidence":0.99560547,"punctuated_word":"phone,","sentiment":"neutral","sentiment_score":0.06850046664476395},{"word":"what","start":1966.7849,"end":1967.105,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.051046572625637054},{"word":"day","start":1967.105,"end":1967.345,"confidence":0.9980469,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.042898546904325485},{"word":"is","start":1967.345,"end":1967.585,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03807273879647255},{"word":"it","start":1967.585,"end":1967.745,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05958762392401695},{"word":"that","start":1967.745,"end":1967.9049,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.051412470638751984},{"word":"you","start":1967.9049,"end":1967.985,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06307412683963776},{"word":"would","start":1967.985,"end":1968.225,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07218614220619202},{"word":"want","start":1968.225,"end":1968.5449,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.06522369384765625},{"word":"the","start":1968.5449,"end":1968.865,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07516581565141678},{"word":"savings","start":1968.865,"end":1969.345,"confidence":1.0,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.07635282725095749},{"word":"plan","start":1969.345,"end":1969.6649,"confidence":1.0,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.08856932818889618},{"word":"to","start":1969.6649,"end":1969.825,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0636969655752182},{"word":"come","start":1969.825,"end":1970.04,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.07231605798006058},{"word":"out","start":1976.4401,"end":1976.6001,"confidence":0.9807129,"punctuated_word":"out?","sentiment":"neutral","sentiment_score":0.010454117320477962},{"word":"so","start":1976.6001,"end":1976.92,"confidence":0.8105469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01155751757323742},{"word":"that","start":1976.92,"end":1977.16,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0070893410593271255},{"word":"would","start":1977.16,"end":1977.66,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.0188651941716671},{"word":"be","start":1979.4,"end":1979.64,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.026884859427809715},{"word":"thursday","start":1979.64,"end":1980.04,"confidence":0.66064453,"punctuated_word":"Thursday","sentiment":"neutral","sentiment_score":0.029265735298395157},{"word":"the","start":1980.04,"end":1980.12,"confidence":0.52978516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04016069695353508},{"word":"eighth","start":1980.12,"end":1980.62,"confidence":0.87158203,"punctuated_word":"eighth.","sentiment":"neutral","sentiment_score":0.04149530827999115},{"word":"and","start":1984.4401,"end":1984.68,"confidence":0.94384766,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08531153202056885},{"word":"that","start":1984.68,"end":1984.92,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06608849763870239},{"word":"is","start":1984.92,"end":1985.0801,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06693046540021896},{"word":"the","start":1985.0801,"end":1985.325,"confidence":0.796875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.055349357426166534},{"word":"yes","start":1986.2849,"end":1986.7849,"confidence":0.7565918,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07479662448167801},{"word":"that's","start":1987.565,"end":1987.8049,"confidence":0.8989258,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10479871928691864},{"word":"the","start":1987.8049,"end":1987.965,"confidence":0.8339844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.048125557601451874},{"word":"start","start":1987.965,"end":1988.2849,"confidence":0.99902344,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.07775099575519562},{"word":"date","start":1988.2849,"end":1988.605,"confidence":0.89453125,"punctuated_word":"date.","sentiment":"neutral","sentiment_score":0.061403751373291016},{"word":"a","start":1988.605,"end":1988.845,"confidence":0.21923828,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.04639630764722824},{"word":"n","start":1988.845,"end":1989.245,"confidence":0.6533203,"punctuated_word":"n.","sentiment":"neutral","sentiment_score":0.032252293080091476},{"word":"perfect","start":1989.245,"end":1989.745,"confidence":0.99316406,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6207876205444336},{"word":"done","start":1991.8049,"end":1992.3049,"confidence":0.8112793,"punctuated_word":"Done.","sentiment":"neutral","sentiment_score":0.30046576261520386},{"word":"mhmm","start":1997.6449,"end":1998.06,"confidence":0.9995117,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07548140734434128},{"word":"tax","start":2001.02,"end":2001.42,"confidence":0.90625,"punctuated_word":"Tax","sentiment":"neutral","sentiment_score":0.15700428187847135},{"word":"savings","start":2001.42,"end":2001.92,"confidence":0.7963867,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.1424531489610672},{"word":"side","start":2001.9801,"end":2002.4801,"confidence":0.91625977,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":0.14312614500522614},{"word":"yep","start":2002.8601,"end":2003.3601,"confidence":0.9645996,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1502506136894226},{"word":"definitely","start":2006.7001,"end":2007.18,"confidence":0.9838867,"punctuated_word":"Definitely","sentiment":"positive","sentiment_score":0.4664454162120819},{"word":"can","start":2007.18,"end":2007.68,"confidence":0.99194336,"punctuated_word":"can.","sentiment":"positive","sentiment_score":0.450741708278656},{"word":"that's","start":2015.231,"end":2015.551,"confidence":0.9926758,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6412163972854614},{"word":"okay","start":2015.551,"end":2015.9509,"confidence":0.9675293,"punctuated_word":"okay,","sentiment":"positive","sentiment_score":0.6542521715164185},{"word":"guys","start":2015.9509,"end":2016.271,"confidence":0.9995117,"punctuated_word":"guys.","sentiment":"positive","sentiment_score":0.6765471696853638},{"word":"have","start":2016.271,"end":2016.511,"confidence":0.99902344,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.7506862282752991},{"word":"a","start":2016.511,"end":2016.591,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7365983724594116},{"word":"great","start":2016.591,"end":2016.8309,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.815869927406311},{"word":"day","start":2016.8309,"end":2017.3309,"confidence":1.0,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.7436721324920654},{"word":"bye","start":2019.471,"end":2019.971,"confidence":0.90893555,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.12047489732503892}],"paragraphs":{"transcript":"\nGood morning, Casper. It's Larissa. How are you going? Yeah. Really, really good.\n\nThank you. How can I help? Hi, Koyana. How are you going? Alright.\n\nAbsolutely. More than happy to. Did you have any, like, specific questions, or did you want me to just kinda walk Yeah. Yeah. Okay.\n\nSo what what I'd recommended after talking with Casper with respect to, I guess, cash flow availability and where things sat was that what we could do would would be to after Casper got his pay from his employer, so that is his net income. So after his tax was being paid from his gross income and his net income pay is paid in, we set up basically a contribution strategy into his hub twenty four fund for $400 a fortnight. And what that does is that puts that money into his super fund each fortnight. So dollar cost averaging across the year that $400. Now what we do from there is that at the end of the financial year, after the voluntary contributions are placed, we submit a really easy form.\n\nAnd, actually, I do that on your behalf every year. So I basically submit them within the first week or two of the July period after the financial year's roll. And we submit that form, and what that does is that converts those contributions into claimable contributions. It means that it's already it already gets sent through to the ATO, so there's nothing you really need to do. But you do get sent a receipt to basically say that you have verification and and confirmation that it has been done.\n\nBut it gives you an automatic deduction to your tax return, and it means that the tax return is going to claim any of that tax that you've paid during the year back, and you're gonna get a nice a bigger tax return at that point. So if you have a look at the document when you have a chance to, on page nine of the statement of advice, basically, what it's going to do is it's going to reduce without considering any of the other claimables that you could possibly claim. Is it going to convert and it's gonna decrease your income, and your taxable income is going to decrease from about $52,000 down to 47,994, which means that there's about $4,056 that you will get back on your tax return by putting this money in. Yep. So you get taxed at your at your marginal rate with your employer, and then and then that money goes in and you claim that tax back when you do your tax return.\n\nSo it works out the same as if you were to say salary sacrifice, but this is just a bit of a a saving strategy to give you that little bit more back during your tax return rather than each week through or each fortnight through your pay cycle. Yep. Yeah. So it it it really honestly works out much muchness in terms of, like, the exact same amount of taxes paid if you salary sacrifice throughout the year versus if you were to versus if you did this strategy. The difference is is that throughout the year, you're able to compound on the higher amount being inside your super fund Mhmm.\n\nRather than having less because your super fund doesn't pay tax while the money is in the fund in this strategy. It's once I submit that form, then the super fund pays any tax applicable rather than paying it throughout the year. So what happens is right now, Casper's income is a $182,000. So he is taxed based on a $182,000 marginally throughout the year. So if we don't if we do no salary sacrifice, what that means is that each fortnight, his gross income is this amount, and he pays tax based on that amount that's paid.\n\nSo he receives his his net income. Now if he were to salary sacrifice, what that means is they take money from the gross income and they push that over to the super fund. The super fund pays 15% tax on the contributions, and he is then taxed at his marginal rate on the remaining remaining funds, which based on the recommendation of $400 a fortnight, would mean that his income goes down to a $171,000 So that that is under the salary sacrifice, which is what you're which is what you're sort of explaining or you what what you're asking about. On my side, what happens or what I've recommended is that he continues to be taxed at a 182,000. After he gets paid, he then puts $400 in out of his net income.\n\nSo he's already paid the tax. The money goes into the super fund, and then he claims the tax back at the end of the financial year. So he'll get the he gets the tax back. It just comes to him as a lump sum rather than coming to him each fortnight. But the exact same outcome happens in terms of tax paid.\n\nIt's just a lot yeah. Correct. Yeah. And it yeah. We get you get the compounding interest by having the larger amount in the super fund during the year.\n\nYeah. And it means that in terms of, like, money given back to you because Casper indicated that you guys have quite a decent cash flow at the moment in terms of money that you're putting in way into savings. So the amount that I've pushed through won't affect what you're currently putting away, and it means when you get that lump sum paid to you, you'll able you're able to just put that straight into your savings account. Yes. Yeah.\n\nYes. So the your the the ATO, when you submit your tax return, the ATO will pay you the tax back. Because it basically yeah. Yeah. The contributions stay in the super funds.\n\nYeah. They don't they don't come out. No. Yeah. What you what you get what you get paid back is is the ATO, basically.\n\nBasically, what happens is you are submitting a $10,400 deduction to your income, essentially. So when I submit that form to the fund, you end up just getting a $10,400 deduction. So it's like you have $10,000 worth of claimables that you're able to claim on your income. So when you submit your tax return, you know, how when you do your tax, you're trying to ask, you know, do you have any laundry to claim? Do you have any, you know, electricity or consumables or anything, travel that you've used?\n\nThis is basically, like, an extra extra little item that you are submitting as a claimable. Yeah. Four thousand fifty 6. No. So there's two there's two documents in like, oh, well, there's there's, I guess, two documents that I've sent through.\n\nOne's a statement of advice. The other one is the appendix, which I just closed. But the other one is the appendix, and what the appendix has is it has a couple other other considerations for Casper to look at. One was three 100 and one was 500. The 300 per fortnight didn't really work out that like, it it it was it was great.\n\nDon't be wrong, but it didn't work out as great. And the 500 a fortnight, there's a couple of considerations that you do like, that need to be made, and that is correct that you've reached the concessional cap. However, Casper has enough room that he is actually able to look back and take from unused caps over the previous years. So it's not going to affect him tax wise. It's not going to breach anything, and he's going to have he has the capacity to be able to do the 500.\n\nWe just have to keep a close eye on it over, like, within the next five years, But it's not drastically bad. Like, it's not an issue. It's just in five years' time, we're gonna have to make sure that we're definitely a little bit more strict. Yeah. Yeah.\n\nNow you're testing me. I'm just gonna have a look. No. You're okay. I will just sorry.\n\nI stupidly closed the document. I went to go and swap documents and press press the x instead of the other one. So, essentially, 500. So 500, instead of paying 52 in tax, he'll pay $475.41, which means it'll be 4.5 $450.09 in terms of tax back. No.\n\nIt's it's because it's in the it still keeps him in the same tax bracket. So Casper doesn't drop a tax bracket by doing any of these because he's on the higher side of his current tax bracket. So the tax bracket that Casper's in is from 135 up to a 190. He's sitting sitting at a 182,000, so he's sitting really high in that in that tax bracket. So unless we're gonna pop, you know, like, a a a good solid $50.60 grand into the fund, which is gonna eat into you guys and your cash flow, so it's not really gonna work.\n\nIt's he's not gonna drop a tax bracket. Yep. Above, yeah, above $1.90. So it basically goes from there's no tax from zero to to 18,200. There's no tax paid there.\n\nFrom 18,201 up to 45, 16%. From 45,000 up to a 135, it's 30. From $1.35 to $1.90, it's 37. And then from $1.90 up, it's that that $40.45. Mhmm.\n\nIt it it'll change the tax rates, but it'll it'll mean that you'll get a bigger tax break. Because if you go over the one ninety, it's just gonna improve your tax outcome because all of a sudden your taxable amount's gonna increase. So it will actually improve the tax outcome. If he earns, like, a 140 or sorry. I should say a 120, it looks worse, but it's still a bit of tax savings.\n\nThat's yeah. Which document are you looking at? 1,034 is his insurance premiums. So our fee is that 1,003 20 7. And what we do is we we do advice like this.\n\nWe do his investment advice. We make sure that all the investment options in the fund are appropriate. We make sure that, you know, if there's a market drop or anything like that or any of the assets are no longer fit for purpose, that we adjust, pivot, change, get rid of them, that we're not sitting in anything that's stagnating available for you guys to call at, you know, any point to ask these questions because super funds don't answer these, unfortunately. So that that's what we're available to do. Of course.\n\nOn which document? No. No. No. That's absolutely fine.\n\nYour first and last name are absolutely appropriate. Don't get me wrong. If you want your entire name to to be listed, we can. But first and last name name is absolutely appropriate. Yeah.\n\nYes. I know that Caden was giving you a hand with those earlier. No. No. Of course.\n\nIt does it does change annually, but there is a form that Casper signs to nominate to sign on for a year, and we, during that that period, disclose the fee. Our fee calculation didn't change. So the way we we charge up oh, sorry. I have the hiccups now. The way we charge our fees is based on, like, 1.65% of the balance.\n\nAnd what we what we used to do is that would fluctuate and change based on the growth of the account. And if there was a market fall, obviously, then that you know, there was a market fall, and we would charge that per right across the year. What we do now is we actually based on the date that we make the recommendation, we calculate 1.65% of the account balance, and we just set that as the account fee. So it means that it doesn't fluctuate. You know exactly what's coming out month to month, and and and that's that's sort of how it goes.\n\nSo it means as your account balance increases, as your contributions keep getting added to the account and you have that growth, the account balance doesn't change. So it works out generally a lot better for you. Yeah. Yeah. Yes.\n\nYeah. So on that side is that if the account balance did did drop, our fee doesn't drop with that side. There there has definitely been fluctuation to it. Don't get me wrong, but I wouldn't say that there's been a significant drop. Yes.\n\nThere's been there's been moments where it's dropped, but it hasn't ever dropped and not recovered, if that makes sense. Yeah. Yeah. Yes. Yeah.\n\nDefinitely recovered. The like, the account does fluctuate. No. Yeah. No.\n\nIt it has recovered quite well. Like, Casper's only been with his Hub twenty four account for, like, a month now. Yeah. A month. A month tomorrow.\n\nPreviously, he was with Netwealth, and I have had a look at that account. And, yeah, it it it would would drop and recover and make more. It never went through a period of time where it didn't recover or didn't didn't make money. Don't be wrong. There there were periods of time there that it did sort of drop for a few months, but it always recovered and and made.\n\nThat's okay. Yeah. Yeah, I know. Casper and I actually spoke about your side of things last Thursday when we spoke, and and he did tell me that he was likely gonna give me a call this morning. So I wasn't shocked when when when the team said that you were giving that you were there.\n\nBut I'd be more than happy to have a a a conversation with you to be able to go through and just get a bit of information. So our initial consultation's complimentary. We we just go through, have a discussion about what your goals are, what you're wanting to achieve. The cool thing is is because Casper's already a client, I can kinda combine everything together and give you guys a whole overview of the two of you as a couple. Because, obviously, the the hope is to retire together and, you know, set off into the sunset, so to speak.\n\nSo we can do some more, like, joint based planning moving forward, which which is cool. Yeah. So I'm a qualified financial adviser. Oakview is a financial planning firm. So Caden, who you spoke to, and Michelle, who you spoke to, they are part of my beautiful administration team, and they support, answer questions, assist with documentation.\n\nAnd and, basically, what we do is we help with not only super insurance, but we can help with a lot of wider advice pieces as well. So it can come down to budgeting. It can come down to, you know, purchase of houses, lots of different sort of little niche things as well. Do know a lot about it, but it's not an area of advice that we can give because that is general insurance. We're not we don't do general insurance.\n\nNo financial advice at will. Yeah. I mean, we can we can definitely talk about sort of, I guess, what you get in tax concessions by having health insurance versus if you don't. And then you're able to have that information to then make an informed decision as to whether you cut your plan, get rid of your plan, or drop your plan down too. So I know there are a few few providers that do exist from personal research that basically do really basic tax plans that, like, the the whole point of the plan is you pay a little bit of money.\n\nIt doesn't give you a lot of coverage, but it's way better than the tax you pay. Yeah. Oh, no. I know. It it it kills me every time.\n\nI, you know, take the take the kids to the dentist and Medicare covers it. Yeah. So, basically, there's a there's a Medicare levy that exists. If you don't have private health insurance, you pay the levy. If you do, you get an exemption.\n\nAnd the levy is the 2% of wages based on different brackets and so on and so forth. And yeah. Yeah. Based on different brackets and but, essentially speaking, what happens is if you don't have private health that covers hospital, it's not the extras that a private health cares about. It's it's literally just the private health hospital cover.\n\nIf you don't have the hospital cover, then you get stung with the levy. If you do have the cover, then you don't get stung with the levy. Better. Yep. Pretty much.\n\nWhat I mean, can I ask? Because what I can do is I can calculate both of your levies today, and I can send you an email and be like, this is your breakdown of your tax, blah blah blah. What's your income? Okay. So I'll Yeah.\n\nNo. You're okay. Yeah. Mhmm. Oh, Right.\n\nYou're talking about the if you're over 30 when you get it put in place, you pay a high no. That's that's the that's that's different. And what that is is that's basically a insurer based thing. So the insurance company sent around and went, well, the older you get, the more likely you are to claim. And if you didn't have our cover before you turned 30 and you're doing this now because you are 30 and you realize that things are starting to happen health wise, you're gonna pay a higher premium.\n\nThat's totally different to the the Medicare levy side. Yeah. Yeah. It'll be the cheapest way, but it just depends on whether you have other things that you wanna claim, which is where the extras come in. So, like, the dent the dentist can be expensive.\n\nOptical can be expensive. Yes. No. Definitely. No.\n\nI I get it too. I it it it literally kills. Okay. 1 718837. Alright.\n\nYou wanna be specific? No. That's cool. Alright. Well, I can I can work out what the levy would be based on that?\n\nI'll also work it out on the 82,000 to account for, say, 10 grand worth of worth of overtime for the year. And and I'll just I'll throw those figures at you so that way you have it all broken down nicely and you can work backwards. No. That's okay. No.\n\nStill good to go. We can we can we can book it for a couple of weeks out. I'm pretty unavailable this week anyway because I'm booked out, and then it's my ten year wedding anniversary on Thursday. Thank you. I haven't killed him yet.\n\nYeah. Always. We do. So, yeah, we're fifteen years just shy of fifteen years together, ten years married. So I'm taking him away to get away from the kids in life.\n\nAnd so, anyway, the week of like, I could probably do Friday the ninth or the following week, which would be the week of the October 12. That'd be No problems at all. Perfect. Oh, did you wanna give me your email address? And I'll I can just send you an email so you can touch base that way.\n\nYep. K a w. Yep. Yep. Amazing.\n\nI'll send you an email. I'll cc you in on the email that I sent to to Casper, but I'll I'll send you a separate email so you can reach out when you have a moment free. That is in your like, when you're ready to set this up. So if you authorize this, basically, it's a matter of you tell me the day you want the contributions to come out, and there are two ways that we can set this up. One is that I set up a regular saving strategy where the money will just be deducted from your account to save you the headache of having to think about it, or the other is you control it and you have the money you send the money to the fund.\n\nThe first option. Cool. And then you just need to tell me the date that you want it to happen, whether you want it to be on a Monday or a Friday or a blah blah blah. Why are you not claiming the tax free threshold? Yeah.\n\nNo. No. No. Absolutely. Yeah.\n\nNo. It's absolutely fine. All it means is that your employer pay like, they exclude the tax free threshold when they're paying you each fortnight. And, again, you're just gonna end up with even more at the end of the financial year. It's not really an issue.\n\nI can calculate it. Yeah. I can give you a rough idea. Correct. That's oh, no.\n\nYou're okay. So that yep. So that that little box there above the signature is if you wanted to go ahead with the three, the four, or the five, you would just write in that I wanna proceed with 500,000 per oh, sorry. $5,500 per fortnight. So that way, my team knows when they're setting up that savings strategy that they that's what you you've agreed to go ahead with.\n\nSo if you wanna alter the advice. If you wanna go ahead with 400, you just say just put a dot net. You don't have to do anything else. No. You're so fine.\n\nOh, that's okay. I'll get all those emails sent out to you. And if there's any questions, you can shoot an email back. Yes. I will.\n\nMy team will do that this week. They'll get forms out to you to set up the automatic savings strategy. It definitely can be on a computer. And can you confirm, while you and I are on the phone, what day is it that you would want the savings plan to come out? So that would be Thursday the eighth.\n\nAnd that is the Yes. That's the start date. A n. Perfect. Done.\n\nMhmm. Tax savings side. Yep. Definitely can. That's okay, guys.\n\nHave a great day. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Casper.","start":3.6799998,"end":4.7999997,"sentiment":"positive","sentiment_score":0.37922197580337524},{"text":"It's Larissa.","start":4.7999997,"end":5.52,"sentiment":"neutral","sentiment_score":0.30434101819992065},{"text":"How are you going?","start":5.52,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.30905015766620636},{"text":"Yeah.","start":8.4,"end":8.88,"sentiment":"positive","sentiment_score":0.41987788677215576},{"text":"Really, really good.","start":8.88,"end":10.08,"sentiment":"positive","sentiment_score":0.7454815904299418}],"sentiment":"positive","sentiment_score":0.43375932711821336,"num_words":13,"start":3.6799998,"end":10.08},{"sentences":[{"text":"Thank you.","start":10.08,"end":10.9,"sentiment":"positive","sentiment_score":0.7695862054824829},{"text":"How can I help?","start":11.36,"end":19.505,"sentiment":"neutral","sentiment_score":0.20180971547961235},{"text":"Hi, Koyana.","start":19.884998,"end":20.765,"sentiment":"neutral","sentiment_score":0.10142722725868225},{"text":"How are you going?","start":20.765,"end":21.744999,"sentiment":"neutral","sentiment_score":0.13383420556783676},{"text":"Alright.","start":33.68,"end":34.18,"sentiment":"neutral","sentiment_score":0.3168003261089325}],"sentiment":"neutral","sentiment_score":0.2616463750600815,"num_words":13,"start":10.08,"end":34.18},{"sentences":[{"text":"Absolutely.","start":34.8,"end":35.3,"sentiment":"positive","sentiment_score":0.5311964750289917},{"text":"More than happy to.","start":35.68,"end":36.72,"sentiment":"positive","sentiment_score":0.6912829130887985},{"text":"Did you have any, like, specific questions, or did you want me to just kinda walk Yeah.","start":36.72,"end":58.42,"sentiment":"neutral","sentiment_score":0.156556230805376},{"text":"Yeah.","start":58.42,"end":58.92,"sentiment":"neutral","sentiment_score":0.03551046922802925},{"text":"Okay.","start":59.86,"end":60.36,"sentiment":"neutral","sentiment_score":0.03975197672843933}],"sentiment":"neutral","sentiment_score":0.25137693737633526,"num_words":24,"start":34.8,"end":60.36},{"sentences":[{"text":"So what what I'd recommended after talking with Casper with respect to, I guess, cash flow availability and where things sat was that what we could do would would be to after Casper got his pay from his employer, so that is his net income.","start":62.02,"end":79.705,"sentiment":"neutral","sentiment_score":0.05109635964035988},{"text":"So after his tax was being paid from his gross income and his net income pay is paid in, we set up basically a contribution strategy into his hub twenty four fund for $400 a fortnight.","start":79.705,"end":93.100006,"sentiment":"neutral","sentiment_score":0.08055259701278475},{"text":"And what that does is that puts that money into his super fund each fortnight.","start":93.975006,"end":98.775,"sentiment":"neutral","sentiment_score":0.10125200500090917},{"text":"So dollar cost averaging across the year that $400.","start":98.775,"end":103.355,"sentiment":"neutral","sentiment_score":0.0632783290412691},{"text":"Now what we do from there is that at the end of the financial year, after the voluntary contributions are placed, we submit a really easy form.","start":103.655,"end":112.759995,"sentiment":"neutral","sentiment_score":0.11636676446155265}],"sentiment":"neutral","sentiment_score":0.07901073752366232,"num_words":132,"start":62.02,"end":112.759995},{"sentences":[{"text":"And, actually, I do that on your behalf every year.","start":112.759995,"end":115.88,"sentiment":"neutral","sentiment_score":0.1588822767138481},{"text":"So I basically submit them within the first week or two of the July period after the financial year's roll.","start":115.88,"end":123.725006,"sentiment":"neutral","sentiment_score":0.11328468881547452},{"text":"And we submit that form, and what that does is that converts those contributions into claimable contributions.","start":124.825005,"end":131.085,"sentiment":"neutral","sentiment_score":0.14954702117863825},{"text":"It means that it's already it already gets sent through to the ATO, so there's nothing you really need to do.","start":131.545,"end":137.085,"sentiment":"neutral","sentiment_score":0.17333486853610902},{"text":"But you do get sent a receipt to basically say that you have verification and and confirmation that it has been done.","start":137.26001,"end":143.44,"sentiment":"positive","sentiment_score":0.36371626230803406}],"sentiment":"neutral","sentiment_score":0.20042895459466512,"num_words":90,"start":112.759995,"end":143.44},{"sentences":[{"text":"But it gives you an automatic deduction to your tax return, and it means that the tax return is going to claim any of that tax that you've paid during the year back, and you're gonna get a nice a bigger tax return at that point.","start":144.06001,"end":158.335,"sentiment":"positive","sentiment_score":0.5989419364410898},{"text":"So if you have a look at the document when you have a chance to, on page nine of the statement of advice, basically, what it's going to do is it's going to reduce without considering any of the other claimables that you could possibly claim.","start":158.55501,"end":171.58,"sentiment":"neutral","sentiment_score":0.21411457196201966},{"text":"Is it going to convert and it's gonna decrease your income, and your taxable income is going to decrease from about $52,000 down to 47,994, which means that there's about $4,056 that you will get back on your tax return by putting this money in.","start":171.8,"end":189.435,"sentiment":"neutral","sentiment_score":0.28147979494598174},{"text":"Yep.","start":195.51,"end":195.91,"sentiment":"neutral","sentiment_score":0.16069218516349792},{"text":"So you get taxed at your at your marginal rate with your employer, and then and then that money goes in and you claim that tax back when you do your tax return.","start":195.91,"end":204.97,"sentiment":"neutral","sentiment_score":0.2095118799444401}],"sentiment":"positive","sentiment_score":0.33416242328913587,"num_words":171,"start":144.06001,"end":204.97},{"sentences":[{"text":"So it works out the same as if you were to say salary sacrifice, but this is just a bit of a a saving strategy to give you that little bit more back during your tax return rather than each week through or each fortnight through your pay cycle.","start":205.295,"end":229.17,"sentiment":"neutral","sentiment_score":0.21755262722774427},{"text":"Yep.","start":229.17,"end":229.665,"sentiment":"neutral","sentiment_score":0.17720620334148407},{"text":"Yeah.","start":236.94499,"end":237.42499,"sentiment":"neutral","sentiment_score":0.1056315004825592},{"text":"So it it it really honestly works out much muchness in terms of, like, the exact same amount of taxes paid if you salary sacrifice throughout the year versus if you were to versus if you did this strategy.","start":237.42499,"end":256.45,"sentiment":"neutral","sentiment_score":0.32121880944722736},{"text":"The difference is is that throughout the year, you're able to compound on the higher amount being inside your super fund Mhmm.","start":256.875,"end":265.535,"sentiment":"positive","sentiment_score":0.38506880202542315}],"sentiment":"neutral","sentiment_score":0.285196104026649,"num_words":112,"start":205.295,"end":265.535},{"sentences":[{"text":"Rather than having less because your super fund doesn't pay tax while the money is in the fund in this strategy.","start":266.39502,"end":272.84,"sentiment":"neutral","sentiment_score":-0.018415189747299467},{"text":"It's once I submit that form, then the super fund pays any tax applicable rather than paying it throughout the year.","start":272.84,"end":279.5,"sentiment":"neutral","sentiment_score":0.098154442828326},{"text":"So what happens is right now, Casper's income is a $182,000.","start":289.815,"end":296.76,"sentiment":"neutral","sentiment_score":0.006759341918619943},{"text":"So he is taxed based on a $182,000 marginally throughout the year.","start":297.72,"end":303.66,"sentiment":"neutral","sentiment_score":-0.00728111807256937},{"text":"So if we don't if we do no salary sacrifice, what that means is that each fortnight, his gross income is this amount, and he pays tax based on that amount that's paid.","start":303.96002,"end":313.495,"sentiment":"neutral","sentiment_score":-0.011996583871994957}],"sentiment":"neutral","sentiment_score":0.012914452971017454,"num_words":98,"start":266.39502,"end":313.495},{"sentences":[{"text":"So he receives his his net income.","start":313.495,"end":315.51498,"sentiment":"neutral","sentiment_score":0.1308164931833744},{"text":"Now if he were to salary sacrifice, what that means is they take money from the gross income and they push that over to the super fund.","start":316.055,"end":323.175,"sentiment":"neutral","sentiment_score":-0.03773850492305226},{"text":"The super fund pays 15% tax on the contributions, and he is then taxed at his marginal rate on the remaining remaining funds, which based on the recommendation of $400 a fortnight, would mean that his income goes down to a $171,000 So that that is under the salary sacrifice, which is what you're which is what you're sort of explaining or you what what you're asking about.","start":323.175,"end":352.62,"sentiment":"neutral","sentiment_score":0.02286616718286977},{"text":"On my side, what happens or what I've recommended is that he continues to be taxed at a 182,000.","start":352.86,"end":359.28,"sentiment":"neutral","sentiment_score":-0.10695085027500202},{"text":"After he gets paid, he then puts $400 in out of his net income.","start":360.46,"end":364.69998,"sentiment":"neutral","sentiment_score":-0.09469588899186679}],"sentiment":"neutral","sentiment_score":-0.014119506765294958,"num_words":135,"start":313.495,"end":364.69998},{"sentences":[{"text":"So he's already paid the tax.","start":364.69998,"end":366.225,"sentiment":"neutral","sentiment_score":-0.10763675471146901},{"text":"The money goes into the super fund, and then he claims the tax back at the end of the financial year.","start":367.745,"end":373.265,"sentiment":"neutral","sentiment_score":0.020803799409241902},{"text":"So he'll get the he gets the tax back.","start":373.265,"end":375.745,"sentiment":"neutral","sentiment_score":0.09192342393928105},{"text":"It just comes to him as a lump sum rather than coming to him each fortnight.","start":375.745,"end":380.165,"sentiment":"neutral","sentiment_score":0.03274757997132838},{"text":"But the exact same outcome happens in terms of tax paid.","start":380.72998,"end":384.27,"sentiment":"neutral","sentiment_score":-0.04278678108345379}],"sentiment":"neutral","sentiment_score":0.010661535911143773,"num_words":63,"start":364.69998,"end":384.27},{"sentences":[{"text":"It's just a lot yeah.","start":385.05,"end":388.19,"sentiment":"neutral","sentiment_score":0.23461151123046875},{"text":"Correct.","start":393.61,"end":394.11,"sentiment":"neutral","sentiment_score":0.20929494500160217},{"text":"Yeah.","start":394.395,"end":394.895,"sentiment":"neutral","sentiment_score":0.14610764384269714},{"text":"And it yeah.","start":396.34998,"end":399.215,"sentiment":"neutral","sentiment_score":0.07501684750119846},{"text":"We get you get the compounding interest by having the larger amount in the super fund during the year.","start":411.37997,"end":418.52,"sentiment":"positive","sentiment_score":0.4906613089536366}],"sentiment":"positive","sentiment_score":0.381933639917908,"num_words":29,"start":385.05,"end":418.52},{"sentences":[{"text":"Yeah.","start":420.5,"end":420.74,"sentiment":"positive","sentiment_score":0.3438042402267456},{"text":"And it means that in terms of, like, money given back to you because Casper indicated that you guys have quite a decent cash flow at the moment in terms of money that you're putting in way into savings.","start":420.74,"end":432.04498,"sentiment":"positive","sentiment_score":0.4658412146262633},{"text":"So the amount that I've pushed through won't affect what you're currently putting away, and it means when you get that lump sum paid to you, you'll able you're able to just put that straight into your savings account.","start":432.905,"end":444.52,"sentiment":"positive","sentiment_score":0.5665920017621456},{"text":"Yes.","start":454.605,"end":455.085,"sentiment":"neutral","sentiment_score":0.1139284074306488},{"text":"Yeah.","start":455.085,"end":455.585,"sentiment":"neutral","sentiment_score":0.11968180537223816}],"sentiment":"positive","sentiment_score":0.5042260480515751,"num_words":81,"start":420.5,"end":455.585},{"sentences":[{"text":"Yes.","start":474.13998,"end":474.38,"sentiment":"neutral","sentiment_score":0.07319193333387375},{"text":"So the your the the ATO, when you submit your tax return, the ATO will pay you the tax back.","start":474.38,"end":480.375,"sentiment":"neutral","sentiment_score":0.08405526969581842},{"text":"Because it basically yeah.","start":480.915,"end":486.435,"sentiment":"neutral","sentiment_score":0.029399639926850796},{"text":"Yeah.","start":486.435,"end":486.595,"sentiment":"neutral","sentiment_score":0.04661937803030014},{"text":"The contributions stay in the super funds.","start":486.595,"end":488.195,"sentiment":"neutral","sentiment_score":0.04006355309060642}],"sentiment":"neutral","sentiment_score":0.0666351556552179,"num_words":33,"start":474.13998,"end":488.195},{"sentences":[{"text":"Yeah.","start":488.195,"end":488.35498,"sentiment":"neutral","sentiment_score":-0.04840181767940521},{"text":"They don't they don't come out.","start":488.35498,"end":489.815,"sentiment":"neutral","sentiment_score":-0.09045974165201187},{"text":"No.","start":493.315,"end":493.815,"sentiment":"neutral","sentiment_score":-0.09527790546417236},{"text":"Yeah.","start":494.74,"end":494.98,"sentiment":"neutral","sentiment_score":-0.015389605425298214},{"text":"What you what you get what you get paid back is is the ATO, basically.","start":494.98,"end":499.0,"sentiment":"neutral","sentiment_score":0.016454291840394337}],"sentiment":"neutral","sentiment_score":-0.01895889170312633,"num_words":24,"start":488.195,"end":499.0},{"sentences":[{"text":"Basically, what happens is you are submitting a $10,400 deduction to your income, essentially.","start":499.06,"end":506.6,"sentiment":"neutral","sentiment_score":0.063272197331701},{"text":"So when I submit that form to the fund, you end up just getting a $10,400 deduction.","start":506.66,"end":514.185,"sentiment":"neutral","sentiment_score":0.14255484894794576},{"text":"So it's like you have $10,000 worth of claimables that you're able to claim on your income.","start":514.185,"end":520.185,"sentiment":"neutral","sentiment_score":0.23013828870128183},{"text":"So when you submit your tax return, you know, how when you do your tax, you're trying to ask, you know, do you have any laundry to claim?","start":520.185,"end":525.69,"sentiment":"neutral","sentiment_score":0.070867237901049},{"text":"Do you have any, you know, electricity or consumables or anything, travel that you've used?","start":525.69,"end":530.97003,"sentiment":"neutral","sentiment_score":0.014119607706864675}],"sentiment":"neutral","sentiment_score":0.10349088878585742,"num_words":91,"start":499.06,"end":530.97003},{"sentences":[{"text":"This is basically, like, an extra extra little item that you are submitting as a claimable.","start":530.97003,"end":536.35004,"sentiment":"neutral","sentiment_score":0.04920434020459652},{"text":"Yeah.","start":538.865,"end":539.365,"sentiment":"neutral","sentiment_score":0.08802852034568787},{"text":"Four thousand fifty 6.","start":546.385,"end":547.84503,"sentiment":"neutral","sentiment_score":0.010880863526836038},{"text":"No.","start":561.305,"end":561.545,"sentiment":"neutral","sentiment_score":-0.051633089780807495},{"text":"So there's two there's two documents in like, oh, well, there's there's, I guess, two documents that I've sent through.","start":561.545,"end":568.025,"sentiment":"neutral","sentiment_score":-0.026204266166314483}],"sentiment":"neutral","sentiment_score":0.008169119157606647,"num_words":42,"start":530.97003,"end":568.025},{"sentences":[{"text":"One's a statement of advice.","start":568.025,"end":569.225,"sentiment":"neutral","sentiment_score":-0.0034292853437364102},{"text":"The other one is the appendix, which I just closed.","start":569.225,"end":573.36,"sentiment":"neutral","sentiment_score":-0.014826737903058529},{"text":"But the other one is the appendix, and what the appendix has is it has a couple other other considerations for Casper to look at.","start":573.76,"end":581.3,"sentiment":"neutral","sentiment_score":-0.012693645106628538},{"text":"One was three 100 and one was 500.","start":581.51996,"end":584.18,"sentiment":"neutral","sentiment_score":-0.008039974316488951},{"text":"The 300 per fortnight didn't really work out that like, it it it was it was great.","start":586.56,"end":591.965,"sentiment":"neutral","sentiment_score":0.1282242796767284}],"sentiment":"neutral","sentiment_score":0.025119046562422927,"num_words":65,"start":568.025,"end":591.965},{"sentences":[{"text":"Don't be wrong, but it didn't work out as great.","start":591.965,"end":594.945,"sentiment":"neutral","sentiment_score":-0.12089835666120052},{"text":"And the 500 a fortnight, there's a couple of considerations that you do like, that need to be made, and that is correct that you've reached the concessional cap.","start":595.245,"end":605.92004,"sentiment":"neutral","sentiment_score":0.06780477548981535},{"text":"However, Casper has enough room that he is actually able to look back and take from unused caps over the previous years.","start":606.30005,"end":614.88,"sentiment":"neutral","sentiment_score":0.22779112275351177},{"text":"So it's not going to affect him tax wise.","start":616.655,"end":618.735,"sentiment":"neutral","sentiment_score":0.17040189107259116},{"text":"It's not going to breach anything, and he's going to have he has the capacity to be able to do the 500.","start":618.735,"end":624.195,"sentiment":"neutral","sentiment_score":0.29687046801502054}],"sentiment":"neutral","sentiment_score":0.15036442325167035,"num_words":92,"start":591.965,"end":624.195},{"sentences":[{"text":"We just have to keep a close eye on it over, like, within the next five years, But it's not drastically bad.","start":624.575,"end":631.17004,"sentiment":"neutral","sentiment_score":0.08855178156359629},{"text":"Like, it's not an issue.","start":631.17004,"end":632.39,"sentiment":"neutral","sentiment_score":0.09089194685220718},{"text":"It's just in five years' time, we're gonna have to make sure that we're definitely a little bit more strict.","start":632.45,"end":638.55005,"sentiment":"neutral","sentiment_score":-0.013265915564261377},{"text":"Yeah.","start":639.33,"end":639.73004,"sentiment":"neutral","sentiment_score":0.04443163424730301},{"text":"Yeah.","start":639.73004,"end":640.23004,"sentiment":"neutral","sentiment_score":0.047764744609594345}],"sentiment":"neutral","sentiment_score":0.04549953053534335,"num_words":49,"start":624.575,"end":640.23004},{"sentences":[{"text":"Now you're testing me.","start":647.935,"end":649.075,"sentiment":"neutral","sentiment_score":0.02100258436985314},{"text":"I'm just gonna have a look.","start":651.29504,"end":652.755,"sentiment":"neutral","sentiment_score":-0.010161789056534568},{"text":"No.","start":653.935,"end":654.435,"sentiment":"neutral","sentiment_score":-0.26085907220840454},{"text":"You're okay.","start":655.29504,"end":656.115,"sentiment":"neutral","sentiment_score":-0.09016172960400581},{"text":"I will just sorry.","start":656.175,"end":657.74,"sentiment":"neutral","sentiment_score":-0.14825733751058578}],"sentiment":"neutral","sentiment_score":-0.0594807222540326,"num_words":17,"start":647.935,"end":657.74},{"sentences":[{"text":"I stupidly closed the document.","start":657.74,"end":659.02,"sentiment":"neutral","sentiment_score":-0.24212488532066345},{"text":"I went to go and swap documents and press press the x instead of the other one.","start":659.02,"end":663.44,"sentiment":"neutral","sentiment_score":-0.045575475977624166},{"text":"So, essentially, 500.","start":666.7,"end":672.22504,"sentiment":"neutral","sentiment_score":0.00832587251594911},{"text":"So 500, instead of paying 52 in tax, he'll pay $475.41, which means it'll be 4.5 $450.09 in terms of tax back.","start":672.22504,"end":689.73,"sentiment":"neutral","sentiment_score":-0.033856044777415016},{"text":"No.","start":693.63,"end":694.13,"sentiment":"neutral","sentiment_score":-0.2175072878599167}],"sentiment":"neutral","sentiment_score":-0.060891045284127664,"num_words":48,"start":657.74,"end":694.13},{"sentences":[{"text":"It's it's because it's in the it still keeps him in the same tax bracket.","start":695.07,"end":699.41,"sentiment":"neutral","sentiment_score":-0.23127654790878296},{"text":"So Casper doesn't drop a tax bracket by doing any of these because he's on the higher side of his current tax bracket.","start":701.22504,"end":709.30505,"sentiment":"neutral","sentiment_score":-0.22407176815297292},{"text":"So the tax bracket that Casper's in is from 135 up to a 190.","start":709.30505,"end":714.765,"sentiment":"neutral","sentiment_score":-0.17688316905072757},{"text":"He's sitting sitting at a 182,000, so he's sitting really high in that in that tax bracket.","start":715.04004,"end":721.28,"sentiment":"neutral","sentiment_score":-0.29702239658902674},{"text":"So unless we're gonna pop, you know, like, a a a good solid $50.60 grand into the fund, which is gonna eat into you guys and your cash flow, so it's not really gonna work.","start":721.28,"end":732.675,"sentiment":"negative","sentiment_score":-0.5955136733395713}],"sentiment":"negative","sentiment_score":-0.355687716939988,"num_words":104,"start":695.07,"end":732.675},{"sentences":[{"text":"It's he's not gonna drop a tax bracket.","start":733.455,"end":735.395,"sentiment":"neutral","sentiment_score":-0.14674544241279364},{"text":"Yep.","start":739.615,"end":739.855,"sentiment":"neutral","sentiment_score":0.034064263105392456},{"text":"Above, yeah, above $1.90.","start":739.855,"end":742.08,"sentiment":"neutral","sentiment_score":0.04041499085724354},{"text":"So it basically goes from there's no tax from zero to to 18,200.","start":742.08,"end":747.46,"sentiment":"neutral","sentiment_score":0.08368279326420563},{"text":"There's no tax paid there.","start":747.52,"end":748.8,"sentiment":"neutral","sentiment_score":0.12435451298952102}],"sentiment":"neutral","sentiment_score":0.023593856923041806,"num_words":31,"start":733.455,"end":748.8},{"sentences":[{"text":"From 18,201 up to 45, 16%.","start":748.8,"end":752.58,"sentiment":"neutral","sentiment_score":0.10855839525659879},{"text":"From 45,000 up to a 135, it's 30.","start":752.72003,"end":757.055,"sentiment":"neutral","sentiment_score":0.061218395829200745},{"text":"From $1.35 to $1.90, it's 37.","start":757.055,"end":760.01495,"sentiment":"neutral","sentiment_score":0.05639858109255632},{"text":"And then from $1.90 up, it's that that $40.45.","start":760.01495,"end":764.51495,"sentiment":"neutral","sentiment_score":0.03125744913187292},{"text":"Mhmm.","start":775.23,"end":775.73,"sentiment":"neutral","sentiment_score":0.002848592586815357}],"sentiment":"neutral","sentiment_score":0.058788488650073606,"num_words":30,"start":748.8,"end":775.73},{"sentences":[{"text":"It it it'll change the tax rates, but it'll it'll mean that you'll get a bigger tax break.","start":781.705,"end":789.705,"sentiment":"neutral","sentiment_score":0.03049814338899321},{"text":"Because if you go over the one ninety, it's just gonna improve your tax outcome because all of a sudden your taxable amount's gonna increase.","start":789.705,"end":796.285,"sentiment":"neutral","sentiment_score":0.17713856294751168},{"text":"So it will actually improve the tax outcome.","start":796.82996,"end":799.00995,"sentiment":"neutral","sentiment_score":0.29734741151332855},{"text":"If he earns, like, a 140 or sorry.","start":799.14996,"end":803.38995,"sentiment":"neutral","sentiment_score":0.18401818862184882},{"text":"I should say a 120, it looks worse, but it's still a bit of tax savings.","start":803.38995,"end":808.605,"sentiment":"neutral","sentiment_score":0.06296565104275942}],"sentiment":"neutral","sentiment_score":0.1311440782994032,"num_words":75,"start":781.705,"end":808.605},{"sentences":[{"text":"That's yeah.","start":816.125,"end":821.43,"sentiment":"neutral","sentiment_score":0.036795612424612045},{"text":"Which document are you looking at?","start":832.63,"end":844.435,"sentiment":"neutral","sentiment_score":-0.017520051915198565},{"text":"1,034 is his insurance premiums.","start":844.435,"end":846.935,"sentiment":"neutral","sentiment_score":-0.007900207862257957},{"text":"So our fee is that 1,003 20 7.","start":859.39,"end":866.70496,"sentiment":"neutral","sentiment_score":0.018634616397321224},{"text":"And what we do is we we do advice like this.","start":866.725,"end":871.685,"sentiment":"neutral","sentiment_score":0.05058595199476589}],"sentiment":"neutral","sentiment_score":0.019827883661491796,"num_words":32,"start":816.125,"end":871.685},{"sentences":[{"text":"We do his investment advice.","start":871.685,"end":873.125,"sentiment":"neutral","sentiment_score":0.056066472083330154},{"text":"We make sure that all the investment options in the fund are appropriate.","start":873.125,"end":877.465,"sentiment":"neutral","sentiment_score":0.08796252883397616},{"text":"We make sure that, you know, if there's a market drop or anything like that or any of the assets are no longer fit for purpose, that we adjust, pivot, change, get rid of them, that we're not sitting in anything that's stagnating available for you guys to call at, you know, any point to ask these questions because super funds don't answer these, unfortunately.","start":877.525,"end":896.895,"sentiment":"neutral","sentiment_score":-0.14197563219528933},{"text":"So that that's what we're available to do.","start":897.91504,"end":900.09503,"sentiment":"neutral","sentiment_score":-0.2313952799886465},{"text":"Of course.","start":904.155,"end":904.815,"sentiment":"neutral","sentiment_score":-0.06401293724775314}],"sentiment":"neutral","sentiment_score":-0.1052017093746252,"num_words":93,"start":871.685,"end":904.815},{"sentences":[{"text":"On which document?","start":914.22003,"end":915.2,"sentiment":"neutral","sentiment_score":-0.024856857334574062},{"text":"No.","start":924.22504,"end":924.54504,"sentiment":"neutral","sentiment_score":-0.13604150712490082},{"text":"No.","start":924.54504,"end":924.705,"sentiment":"neutral","sentiment_score":-0.12516973912715912},{"text":"No.","start":924.705,"end":924.945,"sentiment":"neutral","sentiment_score":-0.0824010968208313},{"text":"That's absolutely fine.","start":924.945,"end":925.825,"sentiment":"neutral","sentiment_score":0.12198661516110103}],"sentiment":"neutral","sentiment_score":-0.005802563288145595,"num_words":9,"start":914.22003,"end":925.825},{"sentences":[{"text":"Your first and last name are absolutely appropriate.","start":925.825,"end":928.16504,"sentiment":"neutral","sentiment_score":0.2008369080722332},{"text":"Don't get me wrong.","start":929.66504,"end":930.305,"sentiment":"neutral","sentiment_score":0.06597159709781408},{"text":"If you want your entire name to to be listed, we can.","start":930.305,"end":933.365,"sentiment":"neutral","sentiment_score":0.08995768210540216},{"text":"But first and last name name is absolutely appropriate.","start":933.585,"end":936.005,"sentiment":"neutral","sentiment_score":0.09348206139273113},{"text":"Yeah.","start":936.305,"end":936.805,"sentiment":"neutral","sentiment_score":0.08755369484424591}],"sentiment":"neutral","sentiment_score":0.1140872378121404,"num_words":34,"start":925.825,"end":936.805},{"sentences":[{"text":"Yes.","start":946.74,"end":947.24,"sentiment":"neutral","sentiment_score":0.07701553404331207},{"text":"I know that Caden was giving you a hand with those earlier.","start":947.38,"end":949.63995,"sentiment":"neutral","sentiment_score":0.04505533321450154},{"text":"No.","start":953.555,"end":953.875,"sentiment":"neutral","sentiment_score":-0.08430659025907516},{"text":"No.","start":953.875,"end":954.115,"sentiment":"neutral","sentiment_score":-0.08840188384056091},{"text":"Of course.","start":954.115,"end":954.695,"sentiment":"neutral","sentiment_score":-0.05870555341243744}],"sentiment":"neutral","sentiment_score":0.0192682324525188,"num_words":17,"start":946.74,"end":954.695},{"sentences":[{"text":"It does it does change annually, but there is a form that Casper signs to nominate to sign on for a year, and we, during that that period, disclose the fee.","start":964.595,"end":975.1,"sentiment":"neutral","sentiment_score":0.008691330169958452},{"text":"Our fee calculation didn't change.","start":986.125,"end":988.705,"sentiment":"neutral","sentiment_score":-0.1912562608718872},{"text":"So the way we we charge up oh, sorry.","start":988.845,"end":991.245,"sentiment":"neutral","sentiment_score":-0.09937447143925561},{"text":"I have the hiccups now.","start":991.245,"end":992.445,"sentiment":"negative","sentiment_score":-0.4909503757953644},{"text":"The way we charge our fees is based on, like, 1.65% of the balance.","start":992.445,"end":997.17,"sentiment":"neutral","sentiment_score":-0.2772773227521351}],"sentiment":"neutral","sentiment_score":-0.12371647983673029,"num_words":64,"start":964.595,"end":997.17},{"sentences":[{"text":"And what we what we used to do is that would fluctuate and change based on the growth of the account.","start":998.51,"end":1004.37,"sentiment":"neutral","sentiment_score":-0.11787516623735428},{"text":"And if there was a market fall, obviously, then that you know, there was a market fall, and we would charge that per right across the year.","start":1004.83,"end":1010.405,"sentiment":"neutral","sentiment_score":-0.20872854772541258},{"text":"What we do now is we actually based on the date that we make the recommendation, we calculate 1.65% of the account balance, and we just set that as the account fee.","start":1010.405,"end":1021.04504,"sentiment":"neutral","sentiment_score":0.03910211526090279},{"text":"So it means that it doesn't fluctuate.","start":1021.04504,"end":1022.325,"sentiment":"neutral","sentiment_score":0.08299730664917401},{"text":"You know exactly what's coming out month to month, and and and that's that's sort of how it goes.","start":1022.325,"end":1027.75,"sentiment":"neutral","sentiment_score":0.029502171365541136}],"sentiment":"neutral","sentiment_score":-0.053945841403133875,"num_words":106,"start":998.51,"end":1027.75},{"sentences":[{"text":"So it means as your account balance increases, as your contributions keep getting added to the account and you have that growth, the account balance doesn't change.","start":1027.75,"end":1034.95,"sentiment":"neutral","sentiment_score":0.06117636103321005},{"text":"So it works out generally a lot better for you.","start":1034.95,"end":1037.53,"sentiment":"positive","sentiment_score":0.38396831452846525},{"text":"Yeah.","start":1052.045,"end":1052.525,"sentiment":"neutral","sentiment_score":0.015785064548254013},{"text":"Yeah.","start":1052.525,"end":1052.97,"sentiment":"neutral","sentiment_score":0.04042637720704079},{"text":"Yes.","start":1056.1699,"end":1056.49,"sentiment":"neutral","sentiment_score":0.06832009553909302}],"sentiment":"neutral","sentiment_score":0.1403994107618928,"num_words":40,"start":1027.75,"end":1056.49},{"sentences":[{"text":"Yeah.","start":1056.49,"end":1056.8099,"sentiment":"neutral","sentiment_score":0.060366466641426086},{"text":"So on that side is that if the account balance did did drop, our fee doesn't drop with that side.","start":1056.8099,"end":1063.07,"sentiment":"neutral","sentiment_score":0.03915918823331595},{"text":"There there has definitely been fluctuation to it.","start":1068.855,"end":1071.175,"sentiment":"neutral","sentiment_score":-0.18267133086919785},{"text":"Don't get me wrong, but I wouldn't say that there's been a significant drop.","start":1071.175,"end":1074.875,"sentiment":"neutral","sentiment_score":-0.16010295546480588},{"text":"Yes.","start":1078.855,"end":1079.355,"sentiment":"neutral","sentiment_score":-0.044296931475400925}],"sentiment":"neutral","sentiment_score":-0.06598997099155729,"num_words":44,"start":1056.49,"end":1079.355},{"sentences":[{"text":"There's been there's been moments where it's dropped, but it hasn't ever dropped and not recovered, if that makes sense.","start":1081.175,"end":1087.1901,"sentiment":"neutral","sentiment_score":-0.13314696364104747},{"text":"Yeah.","start":1088.61,"end":1089.0901,"sentiment":"neutral","sentiment_score":0.02532532624900341},{"text":"Yeah.","start":1089.0901,"end":1089.5901,"sentiment":"neutral","sentiment_score":0.04943858087062836},{"text":"Yes.","start":1089.81,"end":1090.13,"sentiment":"neutral","sentiment_score":0.07385559380054474},{"text":"Yeah.","start":1090.13,"end":1090.4501,"sentiment":"neutral","sentiment_score":0.07529138028621674}],"sentiment":"neutral","sentiment_score":-0.10162618298393984,"num_words":24,"start":1081.175,"end":1090.4501},{"sentences":[{"text":"Definitely recovered.","start":1090.4501,"end":1091.35,"sentiment":"neutral","sentiment_score":0.06479601748287678},{"text":"The like, the account does fluctuate.","start":1092.05,"end":1093.75,"sentiment":"neutral","sentiment_score":0.01563487264017264},{"text":"No.","start":1098.37,"end":1098.87,"sentiment":"neutral","sentiment_score":-0.13868923485279083},{"text":"Yeah.","start":1099.205,"end":1099.365,"sentiment":"neutral","sentiment_score":-0.034084465354681015},{"text":"No.","start":1099.365,"end":1099.845,"sentiment":"neutral","sentiment_score":-0.11150486767292024}],"sentiment":"neutral","sentiment_score":-0.005534299733963881,"num_words":11,"start":1090.4501,"end":1099.845},{"sentences":[{"text":"It it has recovered quite well.","start":1099.845,"end":1102.505,"sentiment":"neutral","sentiment_score":0.05095156282186508},{"text":"Like, Casper's only been with his Hub twenty four account for, like, a month now.","start":1102.885,"end":1109.765,"sentiment":"neutral","sentiment_score":0.044606746981541316},{"text":"Yeah.","start":1109.765,"end":1110.085,"sentiment":"neutral","sentiment_score":0.04941127449274063},{"text":"A month.","start":1110.085,"end":1110.665,"sentiment":"neutral","sentiment_score":0.034769452176988125},{"text":"A month tomorrow.","start":1111.915,"end":1112.985,"sentiment":"neutral","sentiment_score":0.0376118216663599}],"sentiment":"neutral","sentiment_score":0.04468874909259655,"num_words":27,"start":1099.845,"end":1112.985},{"sentences":[{"text":"Previously, he was with Netwealth, and I have had a look at that account.","start":1114.25,"end":1119.21,"sentiment":"neutral","sentiment_score":0.02113826246932149},{"text":"And, yeah, it it it would would drop and recover and make more.","start":1119.21,"end":1124.59,"sentiment":"neutral","sentiment_score":-0.14503867007218874},{"text":"It never went through a period of time where it didn't recover or didn't didn't make money.","start":1125.21,"end":1130.105,"sentiment":"neutral","sentiment_score":-0.23351453507647796},{"text":"Don't be wrong.","start":1130.5651,"end":1131.125,"sentiment":"neutral","sentiment_score":-0.1446453978617986},{"text":"There there were periods of time there that it did sort of drop for a few months, but it always recovered and and made.","start":1131.125,"end":1138.665,"sentiment":"neutral","sentiment_score":-0.1338383760303259}],"sentiment":"neutral","sentiment_score":-0.12965311761945486,"num_words":71,"start":1114.25,"end":1138.665},{"sentences":[{"text":"That's okay.","start":1144.245,"end":1154.4,"sentiment":"neutral","sentiment_score":-0.21441054344177246},{"text":"Yeah.","start":1154.94,"end":1155.44,"sentiment":"neutral","sentiment_score":-0.07524004578590393},{"text":"Yeah, I know.","start":1158.585,"end":1161.065,"sentiment":"neutral","sentiment_score":-0.0021427509685357413},{"text":"Casper and I actually spoke about your side of things last Thursday when we spoke, and and he did tell me that he was likely gonna give me a call this morning.","start":1161.065,"end":1169.705,"sentiment":"neutral","sentiment_score":0.08267777669243515},{"text":"So I wasn't shocked when when when the team said that you were giving that you were there.","start":1169.705,"end":1174.99,"sentiment":"neutral","sentiment_score":0.05284934232218398}],"sentiment":"neutral","sentiment_score":0.05511585054253893,"num_words":56,"start":1144.245,"end":1174.99},{"sentences":[{"text":"But I'd be more than happy to have a a a conversation with you to be able to go through and just get a bit of information.","start":1175.29,"end":1181.79,"sentiment":"positive","sentiment_score":0.439043132243333},{"text":"So our initial consultation's complimentary.","start":1182.01,"end":1183.87,"sentiment":"positive","sentiment_score":0.3530727982521057},{"text":"We we just go through, have a discussion about what your goals are, what you're wanting to achieve.","start":1184.25,"end":1189.745,"sentiment":"positive","sentiment_score":0.37050991919305587},{"text":"The cool thing is is because Casper's already a client, I can kinda combine everything together and give you guys a whole overview of the two of you as a couple.","start":1189.805,"end":1200.785,"sentiment":"positive","sentiment_score":0.5658746736664926},{"text":"Because, obviously, the the hope is to retire together and, you know, set off into the sunset, so to speak.","start":1202.11,"end":1208.53,"sentiment":"neutral","sentiment_score":0.25813913382589815}],"sentiment":"positive","sentiment_score":0.4256792541335125,"num_words":101,"start":1175.29,"end":1208.53},{"sentences":[{"text":"So we can do some more, like, joint based planning moving forward, which which is cool.","start":1209.3099,"end":1224.845,"sentiment":"neutral","sentiment_score":0.20961625152267516},{"text":"Yeah.","start":1224.845,"end":1225.165,"sentiment":"neutral","sentiment_score":0.15916985273361206},{"text":"So I'm a qualified financial adviser.","start":1225.165,"end":1227.185,"sentiment":"neutral","sentiment_score":0.1980369637409846},{"text":"Oakview is a financial planning firm.","start":1227.8099,"end":1229.9099,"sentiment":"neutral","sentiment_score":0.2041930283109347},{"text":"So Caden, who you spoke to, and Michelle, who you spoke to, they are part of my beautiful administration team, and they support, answer questions, assist with documentation.","start":1230.85,"end":1242.1499,"sentiment":"positive","sentiment_score":0.35848903922098024}],"sentiment":"neutral","sentiment_score":0.28007198118588383,"num_words":57,"start":1209.3099,"end":1242.1499},{"sentences":[{"text":"And and, basically, what we do is we help with not only super insurance, but we can help with a lot of wider advice pieces as well.","start":1243.755,"end":1252.155,"sentiment":"neutral","sentiment_score":0.310977460609542},{"text":"So it can come down to budgeting.","start":1252.155,"end":1253.755,"sentiment":"neutral","sentiment_score":0.22834111962999618},{"text":"It can come down to, you know, purchase of houses, lots of different sort of little niche things as well.","start":1253.755,"end":1260.0,"sentiment":"neutral","sentiment_score":0.1187526754103601},{"text":"Do know a lot about it, but it's not an area of advice that we can give because that is general insurance.","start":1263.66,"end":1270.225,"sentiment":"neutral","sentiment_score":-0.17444920980117537},{"text":"We're not we don't do general insurance.","start":1270.225,"end":1272.245,"sentiment":"neutral","sentiment_score":-0.23205117668424333}],"sentiment":"neutral","sentiment_score":0.08322399915252106,"num_words":83,"start":1243.755,"end":1272.245},{"sentences":[{"text":"No financial advice at will.","start":1272.385,"end":1274.005,"sentiment":"neutral","sentiment_score":-0.13367591202259063},{"text":"Yeah.","start":1279.905,"end":1280.405,"sentiment":"neutral","sentiment_score":-0.1814480721950531},{"text":"I mean, we can we can definitely talk about sort of, I guess, what you get in tax concessions by having health insurance versus if you don't.","start":1295.24,"end":1305.635,"sentiment":"neutral","sentiment_score":-0.10271855609284507},{"text":"And then you're able to have that information to then make an informed decision as to whether you cut your plan, get rid of your plan, or drop your plan down too.","start":1306.015,"end":1314.09,"sentiment":"neutral","sentiment_score":0.03648997447453439},{"text":"So I know there are a few few providers that do exist from personal research that basically do really basic tax plans that, like, the the whole point of the plan is you pay a little bit of money.","start":1314.1699,"end":1326.49,"sentiment":"neutral","sentiment_score":0.036868104472374305}],"sentiment":"neutral","sentiment_score":-0.009785513357760815,"num_words":104,"start":1272.385,"end":1326.49},{"sentences":[{"text":"It doesn't give you a lot of coverage, but it's way better than the tax you pay.","start":1326.49,"end":1329.7899,"sentiment":"neutral","sentiment_score":0.2897655253901201},{"text":"Yeah.","start":1345.1951,"end":1345.6951,"sentiment":"neutral","sentiment_score":0.07195556163787842},{"text":"Oh, no.","start":1348.27,"end":1348.6699,"sentiment":"neutral","sentiment_score":-0.19943535327911377},{"text":"I know.","start":1348.6699,"end":1349.07,"sentiment":"neutral","sentiment_score":-0.2536771893501282},{"text":"It it it kills me every time.","start":1349.07,"end":1351.07,"sentiment":"negative","sentiment_score":-0.5023474224976131}],"sentiment":"neutral","sentiment_score":0.019838360363039476,"num_words":29,"start":1326.49,"end":1351.07},{"sentences":[{"text":"I, you know, take the take the kids to the dentist and Medicare covers it.","start":1351.07,"end":1354.77,"sentiment":"neutral","sentiment_score":-0.10435185035069784},{"text":"Yeah.","start":1373.4199,"end":1373.6599,"sentiment":"neutral","sentiment_score":-0.047908857464790344},{"text":"So, basically, there's a there's a Medicare levy that exists.","start":1373.6599,"end":1377.0399,"sentiment":"neutral","sentiment_score":-0.05355266276746988},{"text":"If you don't have private health insurance, you pay the levy.","start":1377.6599,"end":1380.62,"sentiment":"neutral","sentiment_score":-0.06758607145060193},{"text":"If you do, you get an exemption.","start":1380.62,"end":1382.32,"sentiment":"neutral","sentiment_score":-0.009535181203058787}],"sentiment":"neutral","sentiment_score":-0.0672478703358634,"num_words":44,"start":1351.07,"end":1382.32},{"sentences":[{"text":"And the levy is the 2% of wages based on different brackets and so on and so forth.","start":1383.58,"end":1389.255,"sentiment":"neutral","sentiment_score":0.008818355285459094},{"text":"And yeah.","start":1391.015,"end":1393.275,"sentiment":"neutral","sentiment_score":0.006327691487967967},{"text":"Yeah.","start":1396.775,"end":1397.175,"sentiment":"neutral","sentiment_score":-0.009004959836602211},{"text":"Based on different brackets and but, essentially speaking, what happens is if you don't have private health that covers hospital, it's not the extras that a private health cares about.","start":1397.175,"end":1411.33,"sentiment":"neutral","sentiment_score":-0.07260678932070733},{"text":"It's it's literally just the private health hospital cover.","start":1411.33,"end":1414.23,"sentiment":"neutral","sentiment_score":-0.08758772164583206}],"sentiment":"neutral","sentiment_score":-0.04673520593593518,"num_words":60,"start":1383.58,"end":1414.23},{"sentences":[{"text":"If you don't have the hospital cover, then you get stung with the levy.","start":1414.85,"end":1419.765,"sentiment":"neutral","sentiment_score":-0.21551568806171417},{"text":"If you do have the cover, then you don't get stung with the levy.","start":1420.145,"end":1424.725,"sentiment":"neutral","sentiment_score":-0.07706739620438643},{"text":"Better.","start":1436.04,"end":1436.52,"sentiment":"neutral","sentiment_score":0.026419155299663544},{"text":"Yep.","start":1436.52,"end":1437.02,"sentiment":"neutral","sentiment_score":0.043772172182798386},{"text":"Pretty much.","start":1437.16,"end":1437.8,"sentiment":"neutral","sentiment_score":0.043130550533533096}],"sentiment":"neutral","sentiment_score":-0.12311596097424626,"num_words":32,"start":1414.85,"end":1437.8},{"sentences":[{"text":"What I mean, can I ask?","start":1437.8,"end":1439.4,"sentiment":"neutral","sentiment_score":-0.018395792692899704},{"text":"Because what I can do is I can calculate both of your levies today, and I can send you an email and be like, this is your breakdown of your tax, blah blah blah.","start":1439.4,"end":1447.925,"sentiment":"neutral","sentiment_score":0.07921796198934317},{"text":"What's your income?","start":1448.945,"end":1450.005,"sentiment":"neutral","sentiment_score":0.1137486199537913},{"text":"Okay.","start":1454.945,"end":1455.345,"sentiment":"neutral","sentiment_score":0.04283251613378525},{"text":"So I'll Yeah.","start":1455.345,"end":1464.2,"sentiment":"neutral","sentiment_score":0.03645407284299532}],"sentiment":"neutral","sentiment_score":0.06545694778732797,"num_words":47,"start":1437.8,"end":1464.2},{"sentences":[{"text":"No.","start":1469.3,"end":1469.54,"sentiment":"neutral","sentiment_score":-0.061978552490472794},{"text":"You're okay.","start":1469.54,"end":1470.105,"sentiment":"neutral","sentiment_score":-0.0052528223022818565},{"text":"Yeah.","start":1472.665,"end":1473.165,"sentiment":"neutral","sentiment_score":-0.0061023663729429245},{"text":"Mhmm.","start":1477.945,"end":1478.445,"sentiment":"neutral","sentiment_score":-0.020551444962620735},{"text":"Oh, Right.","start":1496.0,"end":1496.265,"sentiment":"neutral","sentiment_score":-0.00712962169200182}],"sentiment":"neutral","sentiment_score":-0.016199607402086258,"num_words":7,"start":1469.3,"end":1496.265},{"sentences":[{"text":"You're talking about the if you're over 30 when you get it put in place, you pay a high no.","start":1496.265,"end":1500.985,"sentiment":"neutral","sentiment_score":-0.028579065576195717},{"text":"That's that's the that's that's different.","start":1500.985,"end":1504.2051,"sentiment":"neutral","sentiment_score":-0.10759830350677173},{"text":"And what that is is that's basically a insurer based thing.","start":1504.425,"end":1509.3251,"sentiment":"neutral","sentiment_score":-0.07873476906256242},{"text":"So the insurance company sent around and went, well, the older you get, the more likely you are to claim.","start":1509.4099,"end":1513.57,"sentiment":"neutral","sentiment_score":-0.15617269463837147},{"text":"And if you didn't have our cover before you turned 30 and you're doing this now because you are 30 and you realize that things are starting to happen health wise, you're gonna pay a higher premium.","start":1513.57,"end":1522.87,"sentiment":"neutral","sentiment_score":-0.19339563153885506}],"sentiment":"neutral","sentiment_score":-0.13151431757401913,"num_words":94,"start":1496.265,"end":1522.87},{"sentences":[{"text":"That's totally different to the the Medicare levy side.","start":1522.935,"end":1525.8351,"sentiment":"neutral","sentiment_score":-0.23085072305467394},{"text":"Yeah.","start":1526.8551,"end":1527.3551,"sentiment":"neutral","sentiment_score":-0.045533426105976105},{"text":"Yeah.","start":1537.5751,"end":1538.0751,"sentiment":"neutral","sentiment_score":0.010132513009011744},{"text":"It'll be the cheapest way, but it just depends on whether you have other things that you wanna claim, which is where the extras come in.","start":1545.79,"end":1552.365,"sentiment":"neutral","sentiment_score":0.05694805966833463},{"text":"So, like, the dent the dentist can be expensive.","start":1552.765,"end":1555.1849,"sentiment":"neutral","sentiment_score":-0.15125234114627042}],"sentiment":"neutral","sentiment_score":-0.043340846511494856,"num_words":46,"start":1522.935,"end":1555.1849},{"sentences":[{"text":"Optical can be expensive.","start":1555.645,"end":1557.025,"sentiment":"neutral","sentiment_score":-0.0767196910455823},{"text":"Yes.","start":1566.57,"end":1566.97,"sentiment":"neutral","sentiment_score":-0.08215609192848206},{"text":"No.","start":1566.97,"end":1567.21,"sentiment":"negative","sentiment_score":-0.33340445160865784},{"text":"Definitely.","start":1567.21,"end":1567.69,"sentiment":"neutral","sentiment_score":-0.3116600513458252},{"text":"No.","start":1567.69,"end":1567.85,"sentiment":"negative","sentiment_score":-0.5210943222045898}],"sentiment":"neutral","sentiment_score":-0.1943992101587355,"num_words":8,"start":1555.645,"end":1567.85},{"sentences":[{"text":"I I get it too.","start":1567.85,"end":1568.73,"sentiment":"negative","sentiment_score":-0.5320500016212464},{"text":"I it it it literally kills.","start":1568.73,"end":1571.07,"sentiment":"negative","sentiment_score":-0.6561243534088135},{"text":"Okay.","start":1608.755,"end":1609.235,"sentiment":"neutral","sentiment_score":0.007270137779414654},{"text":"1 718837.","start":1609.235,"end":1611.735,"sentiment":"neutral","sentiment_score":0.005489371716976166},{"text":"Alright.","start":1612.915,"end":1613.415,"sentiment":"neutral","sentiment_score":0.017963476479053497}],"sentiment":"negative","sentiment_score":-0.43738558472444616,"num_words":15,"start":1567.85,"end":1613.415},{"sentences":[{"text":"You wanna be specific?","start":1615.3151,"end":1616.275,"sentiment":"neutral","sentiment_score":-0.0035573383793234825},{"text":"No.","start":1616.275,"end":1616.435,"sentiment":"neutral","sentiment_score":-0.11322593688964844},{"text":"That's cool.","start":1616.435,"end":1616.97,"sentiment":"neutral","sentiment_score":0.028699055314064026},{"text":"Alright.","start":1617.21,"end":1617.45,"sentiment":"neutral","sentiment_score":0.06707332283258438},{"text":"Well, I can I can work out what the levy would be based on that?","start":1617.45,"end":1620.57,"sentiment":"neutral","sentiment_score":0.046617832283178964}],"sentiment":"neutral","sentiment_score":0.030273201187019764,"num_words":23,"start":1615.3151,"end":1620.57},{"sentences":[{"text":"I'll also work it out on the 82,000 to account for, say, 10 grand worth of worth of overtime for the year.","start":1620.57,"end":1627.15,"sentiment":"neutral","sentiment_score":0.02974336344579404},{"text":"And and I'll just I'll throw those figures at you so that way you have it all broken down nicely and you can work backwards.","start":1628.09,"end":1635.285,"sentiment":"neutral","sentiment_score":0.11817152693867683},{"text":"No.","start":1637.825,"end":1638.0651,"sentiment":"neutral","sentiment_score":-0.01812881231307983},{"text":"That's okay.","start":1638.0651,"end":1638.805,"sentiment":"neutral","sentiment_score":-0.0005756216123700133},{"text":"No.","start":1651.12,"end":1651.62,"sentiment":"neutral","sentiment_score":-0.07052859663963318}],"sentiment":"neutral","sentiment_score":0.0689967356293517,"num_words":51,"start":1620.57,"end":1651.62},{"sentences":[{"text":"Still good to go.","start":1654.64,"end":1655.78,"sentiment":"positive","sentiment_score":0.5565929263830185},{"text":"We can we can we can book it for a couple of weeks out.","start":1679.48,"end":1682.14,"sentiment":"neutral","sentiment_score":-0.08358157426118851},{"text":"I'm pretty unavailable this week anyway because I'm booked out, and then it's my ten year wedding anniversary on Thursday.","start":1682.6,"end":1690.2749,"sentiment":"neutral","sentiment_score":-0.1809824388474226},{"text":"Thank you.","start":1691.135,"end":1691.7749,"sentiment":"neutral","sentiment_score":0.07147803530097008},{"text":"I haven't killed him yet.","start":1691.7749,"end":1693.235,"sentiment":"neutral","sentiment_score":-0.1486778363585472}],"sentiment":"neutral","sentiment_score":-0.07030782716141806,"num_words":45,"start":1654.64,"end":1693.235},{"sentences":[{"text":"Yeah.","start":1697.0549,"end":1697.5349,"sentiment":"neutral","sentiment_score":-0.053464945405721664},{"text":"Always.","start":1697.5349,"end":1698.0349,"sentiment":"neutral","sentiment_score":-0.034429050981998444},{"text":"We do.","start":1698.095,"end":1698.835,"sentiment":"neutral","sentiment_score":-0.03678480535745621},{"text":"So, yeah, we're fifteen years just shy of fifteen years together, ten years married.","start":1702.07,"end":1705.91,"sentiment":"neutral","sentiment_score":-0.05183226428925991},{"text":"So I'm taking him away to get away from the kids in life.","start":1705.91,"end":1708.87,"sentiment":"neutral","sentiment_score":-0.25983611895487857}],"sentiment":"neutral","sentiment_score":-0.13758015656663525,"num_words":31,"start":1697.0549,"end":1708.87},{"sentences":[{"text":"And so, anyway, the week of like, I could probably do Friday the ninth or the following week, which would be the week of the October 12.","start":1708.87,"end":1716.6052,"sentiment":"neutral","sentiment_score":-0.013271263559107427},{"text":"That'd be No problems at all.","start":1717.8651,"end":1741.475,"sentiment":"neutral","sentiment_score":0.07735309183287124},{"text":"Perfect.","start":1742.5751,"end":1743.0751,"sentiment":"positive","sentiment_score":0.34409910440444946},{"text":"Oh, did you wanna give me your email address?","start":1744.015,"end":1745.6951,"sentiment":"neutral","sentiment_score":0.07536308798525068},{"text":"And I'll I can just send you an email so you can touch base that way.","start":1745.6951,"end":1748.755,"sentiment":"neutral","sentiment_score":0.12520198803395033}],"sentiment":"neutral","sentiment_score":0.05307445999519047,"num_words":59,"start":1708.87,"end":1748.755},{"sentences":[{"text":"Yep.","start":1756.17,"end":1756.67,"sentiment":"neutral","sentiment_score":0.03172237426042557},{"text":"K a w.","start":1758.17,"end":1759.29,"sentiment":"neutral","sentiment_score":0.00906637217849493},{"text":"Yep.","start":1759.29,"end":1759.79,"sentiment":"neutral","sentiment_score":0.01306687854230404},{"text":"Yep.","start":1762.81,"end":1763.31,"sentiment":"neutral","sentiment_score":0.02438298985362053},{"text":"Amazing.","start":1767.655,"end":1767.975,"sentiment":"positive","sentiment_score":0.7213544845581055}],"sentiment":"neutral","sentiment_score":0.11681797767856292,"num_words":7,"start":1756.17,"end":1767.975},{"sentences":[{"text":"I'll send you an email.","start":1767.975,"end":1768.855,"sentiment":"positive","sentiment_score":0.4473050653934479},{"text":"I'll cc you in on the email that I sent to to Casper, but I'll I'll send you a separate email so you can reach out when you have a moment free.","start":1768.855,"end":1776.475,"sentiment":"neutral","sentiment_score":0.3018731973133981},{"text":"That is in your like, when you're ready to set this up.","start":1786.39,"end":1790.5701,"sentiment":"neutral","sentiment_score":0.08535917351643245},{"text":"So if you authorize this, basically, it's a matter of you tell me the day you want the contributions to come out, and there are two ways that we can set this up.","start":1790.87,"end":1801.705,"sentiment":"neutral","sentiment_score":0.08381799789089145},{"text":"One is that I set up a regular saving strategy where the money will just be deducted from your account to save you the headache of having to think about it, or the other is you control it and you have the money you send the money to the fund.","start":1801.845,"end":1816.1001,"sentiment":"neutral","sentiment_score":0.1720297494530678}],"sentiment":"neutral","sentiment_score":0.18400196307762104,"num_words":132,"start":1767.975,"end":1816.1001},{"sentences":[{"text":"The first option.","start":1818.24,"end":1819.12,"sentiment":"neutral","sentiment_score":0.11410938700040181},{"text":"Cool.","start":1819.12,"end":1819.4401,"sentiment":"neutral","sentiment_score":0.2925826609134674},{"text":"And then you just need to tell me the date that you want it to happen, whether you want it to be on a Monday or a Friday or a blah blah blah.","start":1819.4401,"end":1825.3251,"sentiment":"neutral","sentiment_score":0.11122424900531769},{"text":"Why are you not claiming the tax free threshold?","start":1838.2001,"end":1840.4601,"sentiment":"neutral","sentiment_score":-0.24510238236851162},{"text":"Yeah.","start":1848.0651,"end":1848.385,"sentiment":"neutral","sentiment_score":-0.10342150181531906}],"sentiment":"neutral","sentiment_score":0.04246740629698368,"num_words":47,"start":1818.24,"end":1848.385},{"sentences":[{"text":"No.","start":1848.385,"end":1848.785,"sentiment":"neutral","sentiment_score":-0.16323965787887573},{"text":"No.","start":1848.785,"end":1849.185,"sentiment":"neutral","sentiment_score":-0.1816757470369339},{"text":"No.","start":1849.185,"end":1849.5851,"sentiment":"neutral","sentiment_score":-0.15615728497505188},{"text":"Absolutely.","start":1849.5851,"end":1849.985,"sentiment":"neutral","sentiment_score":-0.05722974985837936},{"text":"Yeah.","start":1849.985,"end":1850.2251,"sentiment":"neutral","sentiment_score":-0.02519458159804344}],"sentiment":"neutral","sentiment_score":-0.11669940426945687,"num_words":5,"start":1848.385,"end":1850.2251},{"sentences":[{"text":"No.","start":1850.2251,"end":1850.7051,"sentiment":"neutral","sentiment_score":-0.03574982285499573},{"text":"It's absolutely fine.","start":1850.7051,"end":1851.665,"sentiment":"neutral","sentiment_score":0.079131285349528},{"text":"All it means is that your employer pay like, they exclude the tax free threshold when they're paying you each fortnight.","start":1851.665,"end":1857.605,"sentiment":"neutral","sentiment_score":-0.061678518496808554},{"text":"And, again, you're just gonna end up with even more at the end of the financial year.","start":1857.9,"end":1861.5801,"sentiment":"neutral","sentiment_score":-0.08484286442399025},{"text":"It's not really an issue.","start":1861.5801,"end":1862.9601,"sentiment":"neutral","sentiment_score":-0.08733214735984803}],"sentiment":"neutral","sentiment_score":-0.06324668696269076,"num_words":47,"start":1850.2251,"end":1862.9601},{"sentences":[{"text":"I can calculate it.","start":1871.3401,"end":1873.215,"sentiment":"neutral","sentiment_score":-0.02284892462193966},{"text":"Yeah.","start":1873.215,"end":1873.375,"sentiment":"neutral","sentiment_score":0.038380540907382965},{"text":"I can give you a rough idea.","start":1873.375,"end":1875.075,"sentiment":"neutral","sentiment_score":0.027395886236003468},{"text":"Correct.","start":1885.855,"end":1886.19,"sentiment":"neutral","sentiment_score":0.13146913051605225},{"text":"That's oh, no.","start":1889.71,"end":1891.3899,"sentiment":"neutral","sentiment_score":-0.10192025949557622}],"sentiment":"neutral","sentiment_score":-0.002220975118689239,"num_words":16,"start":1871.3401,"end":1891.3899},{"sentences":[{"text":"You're okay.","start":1891.3899,"end":1892.1299,"sentiment":"neutral","sentiment_score":-0.011694991029798985},{"text":"So that yep.","start":1898.75,"end":1899.7899,"sentiment":"neutral","sentiment_score":-0.004565815596530835},{"text":"So that that little box there above the signature is if you wanted to go ahead with the three, the four, or the five, you would just write in that I wanna proceed with 500,000 per oh, sorry.","start":1899.7899,"end":1911.9249,"sentiment":"neutral","sentiment_score":0.03823700669760767},{"text":"$5,500 per fortnight.","start":1911.9249,"end":1913.785,"sentiment":"neutral","sentiment_score":0.09473788489898045},{"text":"So that way, my team knows when they're setting up that savings strategy that they that's what you you've agreed to go ahead with.","start":1914.0,"end":1920.8,"sentiment":"neutral","sentiment_score":0.23053491798539957}],"sentiment":"neutral","sentiment_score":0.10332815017152046,"num_words":70,"start":1891.3899,"end":1920.8},{"sentences":[{"text":"So if you wanna alter the advice.","start":1920.8,"end":1922.34,"sentiment":"neutral","sentiment_score":0.08180345994021211},{"text":"If you wanna go ahead with 400, you just say just put a dot net.","start":1922.56,"end":1926.0,"sentiment":"neutral","sentiment_score":0.08003835529088973},{"text":"You don't have to do anything else.","start":1926.0,"end":1927.46,"sentiment":"neutral","sentiment_score":0.026743060243981227},{"text":"No.","start":1932.845,"end":1933.1649,"sentiment":"neutral","sentiment_score":0.11293578147888184},{"text":"You're so fine.","start":1933.1649,"end":1934.1449,"sentiment":"positive","sentiment_score":0.37213896711667377}],"sentiment":"neutral","sentiment_score":0.09665920162065463,"num_words":33,"start":1920.8,"end":1934.1449},{"sentences":[{"text":"Oh, that's okay.","start":1934.845,"end":1936.6849,"sentiment":"positive","sentiment_score":0.497650404771169},{"text":"I'll get all those emails sent out to you.","start":1936.6849,"end":1938.0449,"sentiment":"positive","sentiment_score":0.33707654145028854},{"text":"And if there's any questions, you can shoot an email back.","start":1938.0449,"end":1948.46,"sentiment":"neutral","sentiment_score":0.1469884623180736},{"text":"Yes.","start":1948.46,"end":1948.7799,"sentiment":"neutral","sentiment_score":0.14400643110275269},{"text":"I will.","start":1948.7799,"end":1949.34,"sentiment":"neutral","sentiment_score":0.1919042393565178}],"sentiment":"neutral","sentiment_score":0.25658954164156544,"num_words":26,"start":1934.845,"end":1949.34},{"sentences":[{"text":"My team will do that this week.","start":1949.34,"end":1950.62,"sentiment":"neutral","sentiment_score":0.2739848515817097},{"text":"They'll get forms out to you to set up the automatic savings strategy.","start":1950.62,"end":1962.0049,"sentiment":"neutral","sentiment_score":0.22732758264128977},{"text":"It definitely can be on a computer.","start":1962.065,"end":1963.9249,"sentiment":"neutral","sentiment_score":0.11441732197999954},{"text":"And can you confirm, while you and I are on the phone, what day is it that you would want the savings plan to come out?","start":1964.465,"end":1976.6001,"sentiment":"neutral","sentiment_score":0.06626515531052764},{"text":"So that would be Thursday the eighth.","start":1976.6001,"end":1980.62,"sentiment":"neutral","sentiment_score":0.01965546634580408}],"sentiment":"neutral","sentiment_score":0.12557593486271798,"num_words":60,"start":1949.34,"end":1980.62},{"sentences":[{"text":"And that is the Yes.","start":1984.4401,"end":1986.7849,"sentiment":"neutral","sentiment_score":0.06969529539346694},{"text":"That's the start date.","start":1987.565,"end":1988.605,"sentiment":"neutral","sentiment_score":0.07301975600421429},{"text":"A n.","start":1988.605,"end":1989.245,"sentiment":"neutral","sentiment_score":0.03932430036365986},{"text":"Perfect.","start":1989.245,"end":1989.745,"sentiment":"positive","sentiment_score":0.6207876205444336},{"text":"Done.","start":1991.8049,"end":1992.3049,"sentiment":"neutral","sentiment_score":0.30046576261520386}],"sentiment":"neutral","sentiment_score":0.1261890372977807,"num_words":13,"start":1984.4401,"end":1992.3049},{"sentences":[{"text":"Mhmm.","start":1997.6449,"end":1998.06,"sentiment":"neutral","sentiment_score":0.07548140734434128},{"text":"Tax savings side.","start":2001.02,"end":2002.4801,"sentiment":"neutral","sentiment_score":0.14752785861492157},{"text":"Yep.","start":2002.8601,"end":2003.3601,"sentiment":"neutral","sentiment_score":0.1502506136894226},{"text":"Definitely can.","start":2006.7001,"end":2007.68,"sentiment":"positive","sentiment_score":0.45859356224536896},{"text":"That's okay, guys.","start":2015.231,"end":2016.271,"sentiment":"positive","sentiment_score":0.6573385794957479}],"sentiment":"positive","sentiment_score":0.355751845985651,"num_words":10,"start":1997.6449,"end":2016.271},{"sentences":[{"text":"Have a great day.","start":2016.271,"end":2017.3309,"sentiment":"positive","sentiment_score":0.7617066651582718},{"text":"Bye.","start":2019.471,"end":2019.971,"sentiment":"neutral","sentiment_score":-0.12047489732503892}],"sentiment":"positive","sentiment_score":0.5852703526616096,"num_words":5,"start":2016.271,"end":2019.971}]}}]},{"alternatives":[{"transcript":"So what are your questions here? Good. And yourself? I got my wife here and she got some questions. Her name is Kiriana. So I got you on speaker phone. Hi. Good. Thanks. I just wanted to know if you can walk me through your advice about doing contributions. I just wanted to understand it a bit better. That's all. Yeah. I haven't actually had time to read what you've sent through. But so is this different to doing extra contributions through we just basically wanna better don't wanna get smashed by tax, but also we'll have more money in in super at the same time, I would think. So is this the be is this the best way to go about that? Or Okay. So did you say those contributions are coming out once we've already been taxed? Yeah. But but the other way the original way I was thinking is to pay a pretax amount to Super to bring to bring our tax bracket down. But at the end of the financial year, we don't get a return. It just stays there. So which which which way is better? I see. I don't understand how it brings down our tax bracket if you're paying into your super after you've already been taxed. Yeah. Yep. Yeah. I get that. Yep. So it is it is it is sent to the super before texting if that's what you're saying. Yeah. Yeah. Yeah. Yep. Mhmm. Yes. I see. You'll just get a payment at the end of the year and a lump sum as opposed to getting the discount, like, a lot less rates every fortnight. Okay. I get that. I think I'd prefer the other way because it's a bit of a hit. But what yeah. What's the benefit of doing it the way you're saying? Because you're getting that compound? I see. Yes. Yes. If we do it your way, we get a lump sum at the end of the year. If we do it the way I initially thought, it'll just be a less money coming out of fortnight. Okay. Less money coming out of fortnight, but also more money in super. Is that not because we're gonna end up taking it out at the end of the year if we go your way. Is that correct? Or no. There's still that extra money there. We're just getting the interest the the taxable bit back. Yeah. But our but our extra contributions are still staying in super. Yeah. What we're getting back is not part of the contribution. It's just the tech stuff side of it. Oh, I see. See. Yep. I get it. So how much did you say he would get back of that 10,000, so to speak? 4,056. 4,056. Okay. And is that the maximum amount we can put through a fortnight? He can. Sorry. I know you got it open. Yes. Reached the consistent old cap. Mhmm. Oh, yep. Yes. Yes. I see what you're doing here. Still within that. Yeah. And how much does he get back if he does 500 a fortnight? What's the end result? So do we have that here? Just trying to see on your paperwork. I can't really see. Okay. That's not much more than the 400 contribution. Was it around the same? That 400 dollars something. Oh, yeah. I see. Yeah. You know? Yep. Yep. What is there another tax bracket above that one? That's the the $19.02? K. Because we're gonna be doing overtime. So we're gonna I'm pretty sure we're gonna go over the $1.90 with us doing overtime. So does that change anything apart from the tax rate, obviously? Yeah. I see. Yeah. Okay. What are what are these cost here? Fee comparison. Date. A half that's for day job. I got it a super year. That's for Eight month fee. Oh, so it's a thousand annually. Is it? Thousand and 34. Is that what that means? Oh, no. Total sorry. What page are we on, Casper? We're on page 13. 13. Of what you sent through. Okay. So what so what are what is he paying you to do all this? What's the fee for your guys' contributions? Annually. Annually. K. Oh, yeah. Yep. Yeah. Okay. Can I ask something, Melissa? I just saw in the document that you don't the same as the beneficiary one. I see you only have my first name on there, not my second name. Is that gonna be alright? You got given name, Casper. Family name is Farandesh. My middle name is not on on there. You don't need to. I'm just asking. Okay. Mhmm. I just I just added in my last name. My middle name's on the beneficiary paperwork I got, which I need to send off. So yeah. Yeah. Cool. Alright. Sorry. I did have a question. I was just gone. Is your guys fee is it a set price or does it obviously, it probably changes annually with everything else that changes in the world? Yeah. And how much did it go up from the last, like, you know, the last price cost rise, how much difference was that? K. Yeah. But if if if his if his super is not doing well, you guys are still getting your your pay like, you know, your your fee isn't dropping with the super that's potential like, just say his super balance dropped. Your guys' fee is not dropping. It's staying the same. Is that correct? Has his account dropped at all since he's been with you guys? Has his but in in the bigger picture, annually, has it ever dropped globally over the year? Like, as a whole. Yeah. That's what my dear. So it has recovered. Recovered and and gained or just recovered and hit the, like, plateau sort of thing? You know what I mean? Two months. Right. Yeah. Okay. Okay. Thank you. I don't I'm not a part of what he's my super isn't going through that. In in fact, I'm quite blind with what my super is doing, so I'm just wondering whether I need to sign up so that it's been over overseen. You know what I mean? Because at the moment, just doing whatever it's doing. Yeah. Yep. Yeah. Yep. Yep. So what are you guys what what is your not status, but what's what are you guys, like, financial advisers? What are you? Okay. Yeah. Okay. What about what about health insurance? Do you know much about health insurance? Yeah. I see. Yeah. We're just thinking I mean, we we paid health insurance for another long, and we don't we haven't we don't use a lot of what we signed up for, and I'm just I know some people that don't have health insurance, and it's all good, but I don't know how to fix your tax at the end of the year. Do you know? Yeah. Yeah. Yeah. Yeah. Because, I mean, I've I've had a lot of health things appointments, and my health fund doesn't doesn't cover a lot of them, what I had done, but Medicare did. So what's the point in having it if Medicare is gonna help me out? You know what I mean? So, yeah, I just wondered yeah. I just wondered if what's the pros and cons of having or not having Health Fund and just. But I know it's got something to do with the tax at the end of the year. You might pay a little more. You might your refund might not be as as good or yeah. I'm not too sure, to be honest. I just thought you might know. Okay. It's 2% of your income. I see. Yes. Yeah. So you need to you need to calculate what your levy is worth and put it up against what you're paying annually for your health insurance and see which one's better off, basically. Yep. Yep. Yeah. That'll be great. Oh, that one's me. The same as Casper. What did you work yours out on WorkPac? I just went a 182. Well, yes. We work we're we're casual at the moment. So we we work 20 oh, it's gonna go down, isn't it? Hours. Hang on. Sorry. I'll just talk about it really quickly. Well, most of all she's doing that, you know, with the 2% because when I first come to Australia, I didn't have it for a couple of years. So I think mine is 28%, but then they buy it between the two of two of us on tax time. So ours would actually be is it 2% for a year or is it at 14% for the year tax time because you didn't have it for a period of time? Yes. Yes. No. So that's why it's better to to have it than not let it not have it during the year because you get yeah. Okay. It's got nothing to do with this Yeah. Going yeah. So if we basically just get a basic cover with with hospital, that's the best way to go because that still covers that 2%. Oh. Yeah. We do not I think we're we're happy to pay full price for our Cairo and his glasses because the amount that we claim on those annually is much less than what we're paying annually for health insurance, if you know what I mean. Yeah. So 78 what's your payment? 78. 78. 16802. 68. Alright. How many fortnights? Twenty six. 171. Where'd you get $1.82 from? Because I thought it was the same as the job we just came from because I don't have pay. Right? Yeah. We're actually $1,718.03 because with our hours have just gone down, boy. Oh, yes. Yeah. One seventy one eighty three eight three seven roughly around the end. It's all eight point 12. You wanna be specific? Yeah. Yes. Work backwards. Thank you. Appreciate that. Now, Larissa, now that now because our house is getting cut from twelve and a half to twelve as of December, October. This document you sent me, is that gonna make any changes really? Do we have to adjust anything, or is that still good to go? Because you're still gonna do overtime anyway. So okay. Do you wanna make a appointment with us to discuss anything to see if you're interested? Yeah. I think I am interested. It's just getting the right time to do it. I'm trying to think tomorrow. What am I gonna have to do? Oh, we're flying out to tomorrow. We might have to leave it. Yeah. Maybe I can make contact when I've got more time. The third and fourth of October. I'm not certain. Yep. Oh, I'm not. I heard your message. Mhmm. Yeah. I'm just about killed Casper numerous times. Three years in. No. This yeah. The thirteenth. I think I've got an appointment. One second. But the thirteenth might be might work. Just gotta check. I know I've got an appointment that day. Oh, no. I've got someone here to do that day. It's okay. We'll touch base because then we're going to New Zealand, so we're a good month out. Yeah. But yeah. Oh, yeah. Yep. It's Keriana, k e r I a n a k a w, like, h I a at gmail dot com. Thank you. And being just going for your document, Where is the date for the contributions to come out? Is that on the next page? Yes. Okay. Yes. Yeah. I'll be pay. Sorry. One last thing. We're also not claiming the tax free threshold. That's not an issue with what he's about to sign up for. Because we thought that and we have a little pot at the end of the financial year. I don't know. Yeah. Yeah. Do you know are you able to calculate what that might look like or you're not really sure because it depends on what we make, obviously? Or rough idea? Okay. Because then we add that to the 4.5 that that we will get from him making those extra contributions. Yeah. Okay. I have one more question. I was struggling I'm struggling to sign. I'm on this document and I signed, and then it says multi multi something. Alright. I think we shall try and let you go now. Yes, sir. Thanks for your help. Yeah. I I just signed it, so you'll send me through a form to for the bank stuff to come out. Correct? Okay. Okay. Can it be on a computer? Because I'm back at camp, so I don't have access to a printer and stuff like that. It'll be a Thursday. So it'll be next Thursday for this Saturday day? Yeah. Not the Thursday, the following. Yeah. Following. So Thursday, the The eighth. Yep. That's correct. And every fortnight from then? Yeah. Cool. So you'll be able to send through our levy figures and our potential return, yeah, with tax free threshold and all of that. Yeah. Thank you. I need to have someone in between even calls from New Zealand, and we'll share it with you. That's fine. Alright. Thank you very much. Thanks, Laura. You too. See you. Bye.","confidence":0.984375,"words":[{"word":"so","start":1.4399999,"end":1.68,"confidence":0.45581055,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.021333415061235428},{"word":"what","start":1.68,"end":1.8399999,"confidence":0.9560547,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0139915831387043},{"word":"are","start":1.8399999,"end":2.0,"confidence":0.92578125,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.018791617825627327},{"word":"your","start":2.0,"end":2.1599998,"confidence":0.8833008,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01637955754995346},{"word":"questions","start":2.1599998,"end":2.6399999,"confidence":0.9921875,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.0192132331430912},{"word":"here","start":2.6399999,"end":3.1399999,"confidence":0.7619629,"punctuated_word":"here?","sentiment":"neutral","sentiment_score":0.026227805763483047},{"word":"good","start":6.7999997,"end":7.12,"confidence":0.90722656,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.3869891464710235},{"word":"and","start":7.12,"end":7.2799997,"confidence":0.9863281,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.18545247614383695},{"word":"yourself","start":7.2799997,"end":7.7799997,"confidence":0.99853516,"punctuated_word":"yourself?","sentiment":"neutral","sentiment_score":0.23659038543701172},{"word":"i","start":13.5199995,"end":13.84,"confidence":0.6933594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17236068844795227},{"word":"got","start":13.84,"end":14.16,"confidence":0.73583984,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.18058717250823977},{"word":"my","start":14.16,"end":14.4,"confidence":0.9716797,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.11862104386091232},{"word":"wife","start":14.4,"end":14.639999,"confidence":0.99609375,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":0.12461784482002258},{"word":"here","start":14.639999,"end":14.799999,"confidence":0.8198242,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.11828798055648804},{"word":"and","start":14.799999,"end":14.96,"confidence":0.47265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08674807101488113},{"word":"she","start":14.96,"end":15.12,"confidence":0.9790039,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.09771274030208588},{"word":"got","start":15.12,"end":15.36,"confidence":0.77001953,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1155303418636322},{"word":"some","start":15.36,"end":15.5199995,"confidence":0.8701172,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07607941329479218},{"word":"questions","start":15.5199995,"end":15.975,"confidence":0.9152832,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":0.11146645247936247},{"word":"her","start":16.055,"end":16.295,"confidence":0.9506836,"punctuated_word":"Her","sentiment":"neutral","sentiment_score":0.07499480247497559},{"word":"name","start":16.295,"end":16.455,"confidence":1.0,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.07747377455234528},{"word":"is","start":16.455,"end":16.695,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08829353004693985},{"word":"kiriana","start":16.695,"end":17.195,"confidence":0.5244954,"punctuated_word":"Kiriana.","sentiment":"neutral","sentiment_score":0.09016801416873932},{"word":"so","start":17.415,"end":17.575,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07893773168325424},{"word":"i","start":17.575,"end":17.655,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07798733562231064},{"word":"got","start":17.655,"end":17.895,"confidence":0.96972656,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0886431559920311},{"word":"you","start":17.895,"end":18.055,"confidence":0.97802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.057126305997371674},{"word":"on","start":18.055,"end":18.215,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06361150741577148},{"word":"speaker","start":18.215,"end":18.615,"confidence":0.99609375,"punctuated_word":"speaker","sentiment":"neutral","sentiment_score":0.12330969423055647},{"word":"phone","start":18.615,"end":19.115,"confidence":0.7504883,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":0.07544347643852234},{"word":"hi","start":21.975,"end":22.215,"confidence":0.9260254,"punctuated_word":"Hi.","sentiment":"neutral","sentiment_score":0.1892659962177277},{"word":"good","start":22.215,"end":22.375,"confidence":0.98657227,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.4179157018661499},{"word":"thanks","start":22.375,"end":22.775,"confidence":0.9995117,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5277005434036255},{"word":"i","start":22.775,"end":22.935001,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1945499032735825},{"word":"just","start":22.935001,"end":23.095001,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18932662904262543},{"word":"wanted","start":23.095001,"end":23.595001,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.16558490693569183},{"word":"to","start":23.655,"end":23.815,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17108255624771118},{"word":"know","start":23.815,"end":23.975,"confidence":0.99609375,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1560341715812683},{"word":"if","start":23.975,"end":24.215,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1297910213470459},{"word":"you","start":24.215,"end":24.295,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08752050995826721},{"word":"can","start":24.295,"end":24.615,"confidence":0.87841797,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1332286298274994},{"word":"walk","start":24.615,"end":24.855,"confidence":0.99902344,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.249710351228714},{"word":"me","start":24.855,"end":25.095001,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.18346820771694183},{"word":"through","start":25.095001,"end":25.595001,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2854350209236145},{"word":"your","start":27.255001,"end":27.755001,"confidence":0.94140625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1918451488018036},{"word":"advice","start":29.25,"end":29.73,"confidence":0.9707031,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.22631818056106567},{"word":"about","start":29.73,"end":30.05,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.11266666650772096},{"word":"doing","start":30.05,"end":30.55,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.17649319767951965},{"word":"contributions","start":30.769999,"end":31.25,"confidence":0.74780273,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.1501106470823288},{"word":"i","start":31.25,"end":31.41,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10502384603023528},{"word":"just","start":31.41,"end":31.57,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11487296223640442},{"word":"wanted","start":31.57,"end":31.81,"confidence":0.9980469,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.06561614573001862},{"word":"to","start":31.81,"end":31.97,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08176559209823608},{"word":"understand","start":31.97,"end":32.45,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.04580920934677124},{"word":"it","start":32.45,"end":32.77,"confidence":0.9135742,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07891062647104263},{"word":"a","start":32.77,"end":32.85,"confidence":0.88671875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10623112320899963},{"word":"bit","start":32.85,"end":33.09,"confidence":0.9770508,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08749094605445862},{"word":"better","start":33.09,"end":33.329998,"confidence":0.71069336,"punctuated_word":"better.","sentiment":"neutral","sentiment_score":0.13166043162345886},{"word":"that's","start":33.329998,"end":33.649998,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13335035741329193},{"word":"all","start":33.649998,"end":34.149998,"confidence":0.9926758,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.13098570704460144},{"word":"yeah","start":40.37,"end":40.69,"confidence":0.9824219,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08068430423736572},{"word":"i","start":40.69,"end":40.85,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.038438424468040466},{"word":"haven't","start":40.85,"end":41.17,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.028330523520708084},{"word":"actually","start":41.17,"end":41.57,"confidence":0.9941406,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.01668689027428627},{"word":"had","start":41.57,"end":41.73,"confidence":0.9863281,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.006363563239574432},{"word":"time","start":41.73,"end":42.05,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.010477222502231598},{"word":"to","start":42.05,"end":42.129997,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005745507776737213},{"word":"read","start":42.129997,"end":42.449997,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.011557072401046751},{"word":"what","start":42.449997,"end":42.61,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.009863168001174928},{"word":"you've","start":42.61,"end":42.85,"confidence":0.9692383,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.03670511022210121},{"word":"sent","start":42.85,"end":43.17,"confidence":0.81591797,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.0343518890440464},{"word":"through","start":43.17,"end":43.489998,"confidence":0.73913574,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.013938158750534058},{"word":"but","start":43.489998,"end":43.845,"confidence":0.99121094,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.01404087245464325},{"word":"so","start":44.085003,"end":44.245003,"confidence":0.9838867,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.019779853522777557},{"word":"is","start":44.245003,"end":44.325,"confidence":0.9013672,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.011031359434127808},{"word":"this","start":44.325,"end":44.565002,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.008684277534484863},{"word":"different","start":44.565002,"end":44.965,"confidence":0.9970703,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.025247059762477875},{"word":"to","start":44.965,"end":45.205,"confidence":0.8408203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.005338933318853378},{"word":"doing","start":45.205,"end":45.525,"confidence":0.9941406,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.007510308176279068},{"word":"extra","start":45.525,"end":45.925003,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.002298198640346527},{"word":"contributions","start":45.925003,"end":46.425003,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.008751608431339264},{"word":"through","start":47.125,"end":47.365,"confidence":0.7026367,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.014414146542549132},{"word":"we","start":47.525,"end":47.685,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.003350190818309784},{"word":"just","start":47.685,"end":47.925003,"confidence":0.9658203,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0023209229111671448},{"word":"basically","start":47.925003,"end":48.405003,"confidence":0.95410156,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.0019565746188163757},{"word":"wanna","start":48.405003,"end":48.725002,"confidence":0.59375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.006125956773757935},{"word":"better","start":48.725002,"end":49.225002,"confidence":0.50683594,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.003718145191669464},{"word":"don't","start":49.605,"end":49.845,"confidence":0.9345703,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.004213410429656506},{"word":"wanna","start":49.845,"end":50.005,"confidence":0.9921875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.01692691445350647},{"word":"get","start":50.005,"end":50.245003,"confidence":0.9951172,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.05963951349258423},{"word":"smashed","start":50.245003,"end":50.645,"confidence":0.9941406,"punctuated_word":"smashed","sentiment":"neutral","sentiment_score":-0.10930060595273972},{"word":"by","start":50.645,"end":50.965,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.04541026055812836},{"word":"tax","start":50.965,"end":51.445,"confidence":0.8840332,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":-0.008323334157466888},{"word":"but","start":51.445,"end":51.685,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04418365657329559},{"word":"also","start":51.685,"end":52.185,"confidence":0.7973633,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06418213993310928},{"word":"we'll","start":52.805,"end":53.045002,"confidence":0.7578125,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.0750868022441864},{"word":"have","start":53.045002,"end":53.365,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08610216528177261},{"word":"more","start":53.365,"end":53.865,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06319299340248108},{"word":"money","start":54.325,"end":54.645,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.05486846715211868},{"word":"in","start":54.645,"end":54.965,"confidence":0.54052734,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07541543990373611},{"word":"in","start":54.965,"end":55.465,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08402825146913528},{"word":"super","start":55.525,"end":55.925003,"confidence":0.7636719,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16788363456726074},{"word":"at","start":55.925003,"end":56.085,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07463634014129639},{"word":"the","start":56.085,"end":56.245003,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04904918372631073},{"word":"same","start":56.245003,"end":56.405,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.05243391543626785},{"word":"time","start":56.405,"end":56.725002,"confidence":0.9453125,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.05371265858411789},{"word":"i","start":56.725002,"end":56.805,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0558328740298748},{"word":"would","start":56.805,"end":57.045002,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.03771963715553284},{"word":"think","start":57.045002,"end":57.42,"confidence":0.9914551,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.026683088392019272},{"word":"so","start":57.899998,"end":57.979996,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013913366943597794},{"word":"is","start":57.979996,"end":58.059998,"confidence":0.90722656,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00930778868496418},{"word":"this","start":58.059998,"end":58.3,"confidence":0.9873047,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.024755118414759636},{"word":"the","start":58.3,"end":58.46,"confidence":0.9394531,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021069470793008804},{"word":"be","start":58.46,"end":58.96,"confidence":0.6230469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03631147742271423},{"word":"is","start":59.26,"end":59.42,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.020763445645570755},{"word":"this","start":59.42,"end":59.579998,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0517946220934391},{"word":"the","start":59.579998,"end":59.739998,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023875653743743896},{"word":"best","start":59.739998,"end":59.98,"confidence":0.9980469,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.05002916231751442},{"word":"way","start":59.98,"end":60.14,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.028862740844488144},{"word":"to","start":60.14,"end":60.219997,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01936822198331356},{"word":"go","start":60.219997,"end":60.539997,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.025221195071935657},{"word":"about","start":60.539997,"end":60.78,"confidence":0.99121094,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.01955581083893776},{"word":"that","start":60.78,"end":61.179996,"confidence":0.8364258,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.01375519298017025},{"word":"or","start":61.179996,"end":61.679996,"confidence":0.95166016,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.01422559842467308},{"word":"okay","start":190.0,"end":190.32,"confidence":0.89624023,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08431252092123032},{"word":"so","start":190.32,"end":190.64001,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05098125338554382},{"word":"did","start":190.64001,"end":190.8,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.04573612287640571},{"word":"you","start":190.8,"end":190.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05546829476952553},{"word":"say","start":190.96,"end":191.28001,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.0504479706287384},{"word":"those","start":191.28001,"end":191.52,"confidence":0.9941406,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.12152199447155},{"word":"contributions","start":191.52,"end":192.02,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.12146296352148056},{"word":"are","start":192.16,"end":192.32,"confidence":0.99121094,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.082463338971138},{"word":"coming","start":192.32,"end":192.56001,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.0776899978518486},{"word":"out","start":192.56001,"end":193.04001,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.08834394067525864},{"word":"once","start":193.04001,"end":193.44,"confidence":0.99609375,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.06784074008464813},{"word":"we've","start":193.44,"end":193.6,"confidence":0.93066406,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.07065421342849731},{"word":"already","start":193.6,"end":194.0,"confidence":0.9863281,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.1075173169374466},{"word":"been","start":194.0,"end":194.24,"confidence":0.9111328,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.10374711453914642},{"word":"taxed","start":194.24,"end":194.74,"confidence":0.8598633,"punctuated_word":"taxed?","sentiment":"neutral","sentiment_score":0.09080176055431366},{"word":"yeah","start":200.095,"end":200.595,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15432988107204437},{"word":"but","start":219.39,"end":219.55,"confidence":0.52783203,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.04178858175873757},{"word":"but","start":219.55,"end":219.79,"confidence":0.79541016,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.011910613626241684},{"word":"the","start":219.79,"end":219.95,"confidence":0.9604492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0149855837225914},{"word":"other","start":219.95,"end":220.26999,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.032402440905570984},{"word":"way","start":220.26999,"end":220.51,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.0015202611684799194},{"word":"the","start":220.59,"end":220.91,"confidence":0.95703125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01192445307970047},{"word":"original","start":220.91,"end":221.39,"confidence":0.9921875,"punctuated_word":"original","sentiment":"neutral","sentiment_score":-0.014851748943328856},{"word":"way","start":221.39,"end":221.62999,"confidence":0.9941406,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.029516689479351044},{"word":"i","start":221.62999,"end":221.70999,"confidence":0.96875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05067166686058045},{"word":"was","start":221.70999,"end":221.95,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.025274232029914856},{"word":"thinking","start":221.95,"end":222.43,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.02516750991344452},{"word":"is","start":222.43,"end":222.67,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.015819109976291656},{"word":"to","start":222.67,"end":222.83,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011820778250694277},{"word":"pay","start":222.83,"end":223.33,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.04041799157857895},{"word":"a","start":224.98999,"end":225.31,"confidence":0.9013672,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03656759485602379},{"word":"pretax","start":225.31,"end":225.81,"confidence":0.8249512,"punctuated_word":"pretax","sentiment":"neutral","sentiment_score":0.05124683678150177},{"word":"amount","start":226.19,"end":226.69,"confidence":0.9902344,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.056139491498470306},{"word":"to","start":227.615,"end":227.935,"confidence":0.50097656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06133625656366348},{"word":"super","start":227.935,"end":228.435,"confidence":0.48706055,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.11611886322498322},{"word":"to","start":228.815,"end":228.975,"confidence":0.9326172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11263421922922134},{"word":"bring","start":228.975,"end":229.475,"confidence":0.99902344,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.17362618446350098},{"word":"to","start":230.015,"end":230.255,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12678880989551544},{"word":"bring","start":230.255,"end":230.575,"confidence":1.0,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.19733953475952148},{"word":"our","start":230.575,"end":230.895,"confidence":0.97802734,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1462644338607788},{"word":"tax","start":230.895,"end":231.295,"confidence":0.9941406,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.20209094882011416},{"word":"bracket","start":231.295,"end":231.695,"confidence":0.9892578,"punctuated_word":"bracket","sentiment":"neutral","sentiment_score":0.2288286983966827},{"word":"down","start":231.695,"end":232.195,"confidence":0.7805176,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.12273035943508148},{"word":"but","start":232.335,"end":232.655,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.005022779107093811},{"word":"at","start":232.655,"end":232.815,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.15198209881782532},{"word":"the","start":232.815,"end":232.975,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08949530124664307},{"word":"end","start":232.975,"end":233.215,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.10623055696487428},{"word":"of","start":233.215,"end":233.535,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10603654384613036},{"word":"the","start":233.535,"end":233.695,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10127870738506316},{"word":"financial","start":233.695,"end":234.095,"confidence":0.9970703,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.13825467228889465},{"word":"year","start":234.095,"end":234.335,"confidence":0.9819336,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.11267887055873872},{"word":"we","start":234.335,"end":234.495,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.10436803102493286},{"word":"don't","start":234.495,"end":234.655,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08601692318916321},{"word":"get","start":234.655,"end":234.815,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.067943274974823},{"word":"a","start":234.815,"end":234.975,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12008865177631378},{"word":"return","start":234.975,"end":235.295,"confidence":0.8913574,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":-0.15368908643722534},{"word":"it","start":235.295,"end":235.455,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.07360164821147919},{"word":"just","start":235.455,"end":235.695,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04540631175041199},{"word":"stays","start":235.695,"end":236.095,"confidence":0.9970703,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":-0.026903152465820312},{"word":"there","start":236.095,"end":236.595,"confidence":0.99365234,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.04978596419095993},{"word":"so","start":237.375,"end":237.615,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05193640664219856},{"word":"which","start":237.615,"end":237.935,"confidence":0.90478516,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.02128128707408905},{"word":"which","start":237.935,"end":238.435,"confidence":0.99316406,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.03561130911111832},{"word":"which","start":238.735,"end":238.895,"confidence":0.96533203,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.05127223581075668},{"word":"way","start":238.895,"end":239.13501,"confidence":0.9707031,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.005440056324005127},{"word":"is","start":239.13501,"end":239.295,"confidence":0.92578125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06510802358388901},{"word":"better","start":239.295,"end":239.79,"confidence":0.9980469,"punctuated_word":"better?","sentiment":"neutral","sentiment_score":0.0661218911409378},{"word":"i","start":264.525,"end":264.76498,"confidence":0.98828125,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.400037944316864},{"word":"see","start":264.76498,"end":265.26498,"confidence":0.99658203,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.31327903270721436},{"word":"i","start":279.92502,"end":280.005,"confidence":0.53515625,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5423380136489868},{"word":"don't","start":280.005,"end":280.40503,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.4405961036682129},{"word":"understand","start":280.40503,"end":280.90503,"confidence":1.0,"punctuated_word":"understand","sentiment":"negative","sentiment_score":-0.5841820240020752},{"word":"how","start":281.20502,"end":281.68503,"confidence":0.99902344,"punctuated_word":"how","sentiment":"negative","sentiment_score":-0.5493144989013672},{"word":"it","start":281.68503,"end":281.92502,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4635571241378784},{"word":"brings","start":281.92502,"end":282.24503,"confidence":0.9980469,"punctuated_word":"brings","sentiment":"negative","sentiment_score":-0.6125256419181824},{"word":"down","start":282.24503,"end":282.64502,"confidence":0.99902344,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.4641915559768677},{"word":"our","start":282.64502,"end":282.885,"confidence":0.94921875,"punctuated_word":"our","sentiment":"negative","sentiment_score":-0.5932391285896301},{"word":"tax","start":282.885,"end":283.20502,"confidence":0.9589844,"punctuated_word":"tax","sentiment":"negative","sentiment_score":-0.5603903532028198},{"word":"bracket","start":283.20502,"end":283.68503,"confidence":0.98828125,"punctuated_word":"bracket","sentiment":"negative","sentiment_score":-0.6225454807281494},{"word":"if","start":283.68503,"end":283.92502,"confidence":0.9291992,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.5290007591247559},{"word":"you're","start":283.92502,"end":284.24503,"confidence":0.99365234,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.4595470130443573},{"word":"paying","start":284.24503,"end":284.74503,"confidence":0.99902344,"punctuated_word":"paying","sentiment":"negative","sentiment_score":-0.4295784831047058},{"word":"into","start":285.285,"end":285.605,"confidence":0.9921875,"punctuated_word":"into","sentiment":"negative","sentiment_score":-0.3990229368209839},{"word":"your","start":285.605,"end":285.92502,"confidence":0.99902344,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.4464457929134369},{"word":"super","start":285.92502,"end":286.42502,"confidence":0.95947266,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.2815396189689636},{"word":"after","start":286.725,"end":287.045,"confidence":0.984375,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.27079567313194275},{"word":"you've","start":287.045,"end":287.285,"confidence":0.970459,"punctuated_word":"you've","sentiment":"negative","sentiment_score":-0.4198959469795227},{"word":"already","start":287.285,"end":287.605,"confidence":0.9970703,"punctuated_word":"already","sentiment":"negative","sentiment_score":-0.38876473903656006},{"word":"been","start":287.605,"end":287.845,"confidence":0.9951172,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.4269227385520935},{"word":"taxed","start":287.845,"end":288.345,"confidence":0.97802734,"punctuated_word":"taxed.","sentiment":"negative","sentiment_score":-0.3928936719894409},{"word":"yeah","start":297.46,"end":297.96,"confidence":0.8171387,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014728885143995283},{"word":"yep","start":304.1,"end":304.395,"confidence":0.9975586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07831554859876633},{"word":"yeah","start":313.75497,"end":314.07498,"confidence":0.9604492,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13918179273605347},{"word":"i","start":314.07498,"end":314.155,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1655118763446808},{"word":"get","start":314.155,"end":314.395,"confidence":0.7314453,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.185009241104126},{"word":"that","start":314.395,"end":314.895,"confidence":0.98950195,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.17298856377601624},{"word":"yep","start":316.235,"end":316.59,"confidence":0.99902344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0483412891626358},{"word":"so","start":340.605,"end":340.765,"confidence":0.59277344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.048735231161117554},{"word":"it","start":340.765,"end":340.92502,"confidence":0.97314453,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04099871590733528},{"word":"is","start":340.92502,"end":341.165,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05136065185070038},{"word":"it","start":341.165,"end":341.325,"confidence":0.9838867,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04869308322668075},{"word":"is","start":341.325,"end":341.64,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05640384554862976},{"word":"it","start":341.72,"end":341.88,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04688818007707596},{"word":"is","start":341.88,"end":342.12003,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.028387412428855896},{"word":"sent","start":342.12003,"end":342.44,"confidence":0.9941406,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.0219329297542572},{"word":"to","start":342.44,"end":342.6,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.036101095378398895},{"word":"the","start":342.6,"end":342.68002,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.032669395208358765},{"word":"super","start":342.68002,"end":343.16,"confidence":0.7583008,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.06907060742378235},{"word":"before","start":343.16,"end":343.48,"confidence":0.96533203,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.009011365473270416},{"word":"texting","start":343.48,"end":343.98,"confidence":0.87597656,"punctuated_word":"texting","sentiment":"neutral","sentiment_score":-0.007813278585672379},{"word":"if","start":344.04,"end":344.2,"confidence":0.4802246,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.003374777734279633},{"word":"that's","start":344.2,"end":344.36002,"confidence":0.99609375,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.031682927161455154},{"word":"what","start":344.36002,"end":344.52002,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.049377650022506714},{"word":"you're","start":344.52002,"end":344.76,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.04223474860191345},{"word":"saying","start":344.76,"end":345.26,"confidence":0.9123535,"punctuated_word":"saying.","sentiment":"neutral","sentiment_score":-0.016582906246185303},{"word":"yeah","start":351.56003,"end":352.06003,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.049376629292964935},{"word":"yeah","start":356.12003,"end":356.565,"confidence":0.8015137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06308940052986145},{"word":"yeah","start":359.765,"end":360.265,"confidence":0.8671875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07382801175117493},{"word":"yep","start":366.885,"end":367.385,"confidence":0.8474121,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03202603757381439},{"word":"mhmm","start":370.245,"end":370.71,"confidence":0.96765137,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.006445152685046196},{"word":"yes","start":378.47,"end":378.97,"confidence":0.68859863,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.01746777445077896},{"word":"i","start":382.63,"end":382.78998,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04083897918462753},{"word":"see","start":382.78998,"end":383.235,"confidence":0.99072266,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":-0.06307150423526764},{"word":"you'll","start":384.995,"end":385.235,"confidence":0.99560547,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.080140620470047},{"word":"just","start":385.235,"end":385.47498,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13127389550209043},{"word":"get","start":385.47498,"end":385.79498,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2645401656627655},{"word":"a","start":385.79498,"end":386.29498,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2751111388206482},{"word":"payment","start":386.35498,"end":386.85498,"confidence":0.9970703,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":0.2536647319793701},{"word":"at","start":387.555,"end":387.79498,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.29954278469085693},{"word":"the","start":387.79498,"end":387.955,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16798363626003265},{"word":"end","start":387.955,"end":388.115,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.28152769804000854},{"word":"of","start":388.115,"end":388.35498,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2552439272403717},{"word":"the","start":388.35498,"end":388.435,"confidence":0.84277344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23251938819885257},{"word":"year","start":388.435,"end":388.59497,"confidence":0.96533203,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.2249239683151245},{"word":"and","start":388.59497,"end":388.75497,"confidence":0.4501953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1719412058591843},{"word":"a","start":388.75497,"end":388.835,"confidence":0.7841797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15457963943481445},{"word":"lump","start":388.835,"end":389.07498,"confidence":0.9970703,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.18820659816265103},{"word":"sum","start":389.07498,"end":389.31497,"confidence":1.0,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.20501573383808136},{"word":"as","start":389.31497,"end":389.555,"confidence":0.9453125,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1272355169057846},{"word":"opposed","start":389.555,"end":389.875,"confidence":0.9838867,"punctuated_word":"opposed","sentiment":"neutral","sentiment_score":0.0777849555015564},{"word":"to","start":389.875,"end":390.03497,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09791885316371918},{"word":"getting","start":390.03497,"end":390.275,"confidence":0.9980469,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.14190801978111267},{"word":"the","start":390.275,"end":390.51498,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16898414492607117},{"word":"discount","start":390.51498,"end":390.995,"confidence":0.8378906,"punctuated_word":"discount,","sentiment":"neutral","sentiment_score":0.1226589009165764},{"word":"like","start":390.995,"end":391.235,"confidence":0.82788086,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.24328365921974185},{"word":"a","start":391.235,"end":391.47498,"confidence":0.90722656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2889256477355957},{"word":"lot","start":391.47498,"end":391.715,"confidence":0.82666016,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.24150080978870392},{"word":"less","start":391.715,"end":392.03497,"confidence":0.8989258,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.1356104463338852},{"word":"rates","start":392.03497,"end":392.435,"confidence":0.4946289,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":0.1631670743227005},{"word":"every","start":392.435,"end":392.675,"confidence":0.9951172,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.17769166827201843},{"word":"fortnight","start":392.675,"end":393.175,"confidence":0.9592285,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":0.15487012267112732},{"word":"okay","start":395.31497,"end":395.63498,"confidence":0.9916992,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.16786696016788483},{"word":"i","start":395.63498,"end":395.715,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18234242498874664},{"word":"get","start":395.715,"end":395.955,"confidence":0.9716797,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2151329517364502},{"word":"that","start":395.955,"end":396.455,"confidence":0.9802246,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.15171165764331818},{"word":"i","start":399.44998,"end":399.61,"confidence":0.97802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07520116865634918},{"word":"think","start":399.61,"end":399.77,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.1144164502620697},{"word":"i'd","start":399.77,"end":400.09,"confidence":0.8496094,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.1469065248966217},{"word":"prefer","start":400.09,"end":400.49,"confidence":1.0,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":-0.1644674837589264},{"word":"the","start":400.49,"end":400.65,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07869866490364075},{"word":"other","start":400.65,"end":400.88998,"confidence":0.9970703,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.13526581227779388},{"word":"way","start":400.88998,"end":401.21,"confidence":0.9980469,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.1400758922100067},{"word":"because","start":401.21,"end":401.71,"confidence":0.9091797,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.15890926122665405},{"word":"it's","start":403.37,"end":403.87,"confidence":0.99365234,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2749871611595154},{"word":"a","start":404.88998,"end":405.05,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.27204087376594543},{"word":"bit","start":405.05,"end":405.21,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.30453553795814514},{"word":"of","start":405.21,"end":405.37,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3423880934715271},{"word":"a","start":405.37,"end":405.53,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3021344542503357},{"word":"hit","start":405.53,"end":406.03,"confidence":0.875,"punctuated_word":"hit.","sentiment":"neutral","sentiment_score":-0.2666439414024353},{"word":"but","start":406.09,"end":406.33,"confidence":0.6088867,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0166313573718071},{"word":"what","start":406.33,"end":406.41,"confidence":0.76660156,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03505368530750275},{"word":"yeah","start":406.49,"end":406.65,"confidence":0.98828125,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06817524880170822},{"word":"what's","start":406.65,"end":406.97,"confidence":1.0,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.1761161983013153},{"word":"the","start":406.97,"end":407.13,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2378761321306229},{"word":"benefit","start":407.13,"end":407.53,"confidence":1.0,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.3333670496940613},{"word":"of","start":407.53,"end":407.69,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3663853406906128},{"word":"doing","start":407.69,"end":407.93,"confidence":1.0,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.48461759090423584},{"word":"it","start":407.93,"end":408.16998,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4515188336372375},{"word":"the","start":408.16998,"end":408.25,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5060696601867676},{"word":"way","start":408.25,"end":408.49,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.4921511709690094},{"word":"you're","start":408.49,"end":408.72998,"confidence":0.97631836,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.51922607421875},{"word":"saying","start":408.72998,"end":409.22998,"confidence":0.9243164,"punctuated_word":"saying?","sentiment":"neutral","sentiment_score":0.31968045234680176},{"word":"because","start":409.28998,"end":409.53,"confidence":0.8618164,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.25729963183403015},{"word":"you're","start":409.53,"end":409.69,"confidence":0.9655762,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.36649465560913086},{"word":"getting","start":409.69,"end":409.93,"confidence":0.99121094,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.34329766035079956},{"word":"that","start":409.93,"end":410.25,"confidence":0.65527344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3574603796005249},{"word":"compound","start":410.25,"end":410.75,"confidence":0.7614746,"punctuated_word":"compound?","sentiment":"positive","sentiment_score":0.35842248797416687},{"word":"i","start":419.065,"end":419.225,"confidence":0.9472656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2181534767150879},{"word":"see","start":419.225,"end":419.725,"confidence":0.98706055,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.2959902286529541},{"word":"yes","start":432.68,"end":433.18,"confidence":0.93359375,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.4596131443977356},{"word":"yes","start":445.495,"end":445.975,"confidence":0.93408203,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.32180923223495483},{"word":"if","start":445.975,"end":446.055,"confidence":0.9428711,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.3951047360897064},{"word":"we","start":446.055,"end":446.215,"confidence":0.9980469,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3594130873680115},{"word":"do","start":446.215,"end":446.45502,"confidence":0.9614258,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.34855231642723083},{"word":"it","start":446.45502,"end":446.535,"confidence":0.88183594,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3702160716056824},{"word":"your","start":446.535,"end":446.775,"confidence":0.9838867,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3747425377368927},{"word":"way","start":446.775,"end":447.015,"confidence":0.9733887,"punctuated_word":"way,","sentiment":"positive","sentiment_score":0.3636432886123657},{"word":"we","start":447.015,"end":447.255,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3732362985610962},{"word":"get","start":447.255,"end":447.415,"confidence":0.9902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3746238052845001},{"word":"a","start":447.415,"end":447.495,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3461320996284485},{"word":"lump","start":447.495,"end":447.73502,"confidence":0.99902344,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.31169700622558594},{"word":"sum","start":447.73502,"end":447.975,"confidence":0.9980469,"punctuated_word":"sum","sentiment":"positive","sentiment_score":0.3717620074748993},{"word":"at","start":447.975,"end":448.135,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3279505670070648},{"word":"the","start":448.135,"end":448.215,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3184947967529297},{"word":"end","start":448.215,"end":448.45502,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.3213760256767273},{"word":"of","start":448.45502,"end":448.535,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.35040774941444397},{"word":"the","start":448.535,"end":448.615,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29507672786712646},{"word":"year","start":448.615,"end":448.855,"confidence":0.98999023,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.2776327431201935},{"word":"if","start":448.855,"end":449.015,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.25752952694892883},{"word":"we","start":449.015,"end":449.17502,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24804310500621796},{"word":"do","start":449.17502,"end":449.335,"confidence":0.98535156,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21027471125125885},{"word":"it","start":449.335,"end":449.415,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2379513829946518},{"word":"the","start":449.415,"end":449.575,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24460825324058533},{"word":"way","start":449.575,"end":449.815,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.24657534062862396},{"word":"i","start":449.815,"end":449.89502,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2156582772731781},{"word":"initially","start":449.89502,"end":450.39502,"confidence":0.9980469,"punctuated_word":"initially","sentiment":"neutral","sentiment_score":0.0920342430472374},{"word":"thought","start":450.535,"end":450.93,"confidence":0.99072266,"punctuated_word":"thought,","sentiment":"neutral","sentiment_score":0.1581093966960907},{"word":"it'll","start":451.00998,"end":451.25,"confidence":0.99316406,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.21888351440429688},{"word":"just","start":451.25,"end":451.75,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1345410794019699},{"word":"be","start":451.81,"end":451.97,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1898961067199707},{"word":"a","start":451.97,"end":452.13,"confidence":0.62109375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1756100058555603},{"word":"less","start":452.28998,"end":452.61,"confidence":0.8535156,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.09951799362897872},{"word":"money","start":452.61,"end":452.85,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.046813979744911194},{"word":"coming","start":452.85,"end":453.16998,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.08308672904968262},{"word":"out","start":453.16998,"end":453.33,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09014945477247238},{"word":"of","start":453.33,"end":453.49,"confidence":0.6816406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06971822679042816},{"word":"fortnight","start":453.49,"end":453.99,"confidence":0.77197266,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":0.06988522410392761},{"word":"okay","start":456.44998,"end":456.94998,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.14731991291046145},{"word":"less","start":457.33,"end":457.65,"confidence":0.9970703,"punctuated_word":"Less","sentiment":"neutral","sentiment_score":0.11866991221904756},{"word":"money","start":457.65,"end":457.88998,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.1410371959209442},{"word":"coming","start":457.88998,"end":458.21,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.1466803997755051},{"word":"out","start":458.21,"end":458.37,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1346994936466217},{"word":"of","start":458.37,"end":458.44998,"confidence":0.8925781,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10798819363117218},{"word":"fortnight","start":458.44998,"end":458.93,"confidence":0.8144531,"punctuated_word":"fortnight,","sentiment":"neutral","sentiment_score":0.11646422743797302},{"word":"but","start":458.93,"end":459.16998,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.11343199014663696},{"word":"also","start":459.16998,"end":459.57,"confidence":0.9003906,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1775137186050415},{"word":"more","start":459.57,"end":459.81,"confidence":0.96240234,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1161993443965912},{"word":"money","start":459.81,"end":460.13,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.17428851127624512},{"word":"in","start":460.13,"end":460.28998,"confidence":0.70458984,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.176582932472229},{"word":"super","start":460.28998,"end":460.78998,"confidence":0.77978516,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.2210230529308319},{"word":"is","start":461.09,"end":461.33,"confidence":0.8881836,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.09851624071598052},{"word":"that","start":461.33,"end":461.57,"confidence":0.97265625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1272002011537552},{"word":"not","start":461.57,"end":461.72998,"confidence":0.9951172,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.06894034892320633},{"word":"because","start":461.81,"end":462.05,"confidence":0.9921875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.08527334034442902},{"word":"we're","start":462.05,"end":462.21,"confidence":0.99194336,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.14014822244644165},{"word":"gonna","start":462.21,"end":462.53,"confidence":0.9707031,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1232626810669899},{"word":"end","start":462.53,"end":462.69,"confidence":0.9951172,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.14197437465190887},{"word":"up","start":462.69,"end":462.85,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17261144518852234},{"word":"taking","start":462.85,"end":463.16998,"confidence":0.99902344,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.1727253645658493},{"word":"it","start":463.16998,"end":463.33,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1212177574634552},{"word":"out","start":463.33,"end":463.57,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11889570206403732},{"word":"at","start":463.57,"end":463.65,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08991879224777222},{"word":"the","start":463.65,"end":463.81,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15183234214782715},{"word":"end","start":463.81,"end":463.97,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.17778712511062622},{"word":"of","start":463.97,"end":464.13,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22578339278697968},{"word":"the","start":464.13,"end":464.21,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2218820154666901},{"word":"year","start":464.21,"end":464.44998,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.25258028507232666},{"word":"if","start":464.44998,"end":464.61,"confidence":0.46557617,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.26951807737350464},{"word":"we","start":464.61,"end":464.69,"confidence":0.47485352,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2219087928533554},{"word":"go","start":464.69,"end":464.93,"confidence":0.81591797,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2572806179523468},{"word":"your","start":464.93,"end":465.16998,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23046614229679108},{"word":"way","start":465.16998,"end":465.33,"confidence":0.9855957,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.1701011210680008},{"word":"is","start":465.33,"end":465.49,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.13204015791416168},{"word":"that","start":465.49,"end":465.65,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.152965247631073},{"word":"correct","start":465.65,"end":466.065,"confidence":0.99365234,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.05692350119352341},{"word":"or","start":467.265,"end":467.425,"confidence":0.83740234,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.030514102429151535},{"word":"no","start":467.425,"end":467.665,"confidence":0.6171875,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.14670443534851074},{"word":"there's","start":467.665,"end":467.905,"confidence":0.84228516,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.13988392055034635},{"word":"still","start":467.905,"end":468.145,"confidence":0.94970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.1330445408821106},{"word":"that","start":468.145,"end":468.385,"confidence":0.4946289,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10424795001745224},{"word":"extra","start":468.385,"end":468.70502,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.08286221325397491},{"word":"money","start":468.70502,"end":469.025,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.034659698605537415},{"word":"there","start":469.025,"end":469.265,"confidence":0.8852539,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.0797070860862732},{"word":"we're","start":469.265,"end":469.425,"confidence":0.9914551,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.011645074002444744},{"word":"just","start":469.425,"end":469.665,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.022829808294773105},{"word":"getting","start":469.665,"end":469.905,"confidence":0.9716797,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.05617397278547287},{"word":"the","start":469.905,"end":470.305,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06556794047355652},{"word":"interest","start":470.305,"end":470.785,"confidence":0.9980469,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.07142513990402222},{"word":"the","start":470.865,"end":471.365,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026708491146564484},{"word":"the","start":471.505,"end":471.585,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.020384401082992554},{"word":"taxable","start":471.585,"end":472.085,"confidence":0.9873047,"punctuated_word":"taxable","sentiment":"neutral","sentiment_score":0.05120977759361267},{"word":"bit","start":472.625,"end":473.125,"confidence":0.45922852,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04196891561150551},{"word":"back","start":476.145,"end":476.645,"confidence":0.96606445,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.06717583537101746},{"word":"yeah","start":480.945,"end":481.265,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.038662657141685486},{"word":"but","start":481.265,"end":481.505,"confidence":0.9091797,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.004996441304683685},{"word":"our","start":481.505,"end":481.92,"confidence":0.83935547,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.012479029595851898},{"word":"but","start":482.48,"end":482.80002,"confidence":0.99609375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0073460862040519714},{"word":"our","start":482.80002,"end":482.96002,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.009483732283115389},{"word":"extra","start":482.96002,"end":483.36002,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.004403524100780487},{"word":"contributions","start":483.36002,"end":483.86002,"confidence":0.9951172,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.004167474806308746},{"word":"are","start":484.0,"end":484.24002,"confidence":0.97998047,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03049265593290329},{"word":"still","start":484.24002,"end":484.56003,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.04332710802555084},{"word":"staying","start":484.56003,"end":484.80002,"confidence":0.9980469,"punctuated_word":"staying","sentiment":"neutral","sentiment_score":0.06218171864748001},{"word":"in","start":484.80002,"end":485.12003,"confidence":0.9819336,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02699732780456543},{"word":"super","start":485.12003,"end":485.62003,"confidence":0.8483887,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.06554558873176575},{"word":"yeah","start":489.76,"end":490.0,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05074270814657211},{"word":"what","start":490.0,"end":490.16,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.12986722588539124},{"word":"we're","start":490.16,"end":490.40002,"confidence":0.99609375,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.09845033288002014},{"word":"getting","start":490.40002,"end":490.72,"confidence":0.9873047,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.07687340676784515},{"word":"back","start":490.72,"end":490.96002,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.08658573031425476},{"word":"is","start":490.96002,"end":491.2,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11727936565876008},{"word":"not","start":491.2,"end":491.44,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1335282176733017},{"word":"part","start":491.44,"end":491.68002,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.1256709098815918},{"word":"of","start":491.68002,"end":491.84003,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1191309541463852},{"word":"the","start":491.84003,"end":492.0,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10313543677330016},{"word":"contribution","start":492.0,"end":492.5,"confidence":0.88256836,"punctuated_word":"contribution.","sentiment":"neutral","sentiment_score":-0.12715739011764526},{"word":"it's","start":492.56,"end":492.72,"confidence":0.99853516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.10797969996929167},{"word":"just","start":492.72,"end":492.96002,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06973481178283691},{"word":"the","start":492.96002,"end":493.12003,"confidence":0.9394531,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0684596598148346},{"word":"tech","start":493.12003,"end":493.44,"confidence":0.34594727,"punctuated_word":"tech","sentiment":"neutral","sentiment_score":-0.046366482973098755},{"word":"stuff","start":493.44,"end":493.68002,"confidence":0.78125,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.1040416583418846},{"word":"side","start":493.68002,"end":493.92,"confidence":0.4482422,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.08802929520606995},{"word":"of","start":493.92,"end":494.08002,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08860918879508972},{"word":"it","start":494.08002,"end":494.58002,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.0903681144118309},{"word":"oh","start":496.16,"end":496.32,"confidence":0.78637695,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.01999196968972683},{"word":"i","start":496.32,"end":496.4925,"confidence":0.91845703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.026495160534977913},{"word":"see","start":496.4925,"end":496.665,"confidence":0.7507324,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":-0.01984032802283764},{"word":"see","start":504.105,"end":504.605,"confidence":0.9995117,"punctuated_word":"See.","sentiment":"neutral","sentiment_score":0.04266742616891861},{"word":"yep","start":537.205,"end":537.6,"confidence":0.81469727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1127116084098816},{"word":"i","start":537.68,"end":537.83997,"confidence":0.94140625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10951463878154756},{"word":"get","start":537.83997,"end":538.0,"confidence":0.98828125,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1260913908481598},{"word":"it","start":538.0,"end":538.5,"confidence":0.99609375,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1034216433763504},{"word":"so","start":540.56,"end":540.88,"confidence":0.8828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07133269309997559},{"word":"how","start":540.88,"end":540.95996,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05484923720359802},{"word":"much","start":540.95996,"end":541.19995,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.07471760362386703},{"word":"did","start":541.19995,"end":541.44,"confidence":0.9863281,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.06267387419939041},{"word":"you","start":541.44,"end":541.51996,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.055148787796497345},{"word":"say","start":541.51996,"end":541.83997,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.06446661055088043},{"word":"he","start":541.83997,"end":542.0,"confidence":0.96972656,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.058304399251937866},{"word":"would","start":542.0,"end":542.48,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.056373171508312225},{"word":"get","start":542.48,"end":542.8,"confidence":0.9863281,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05786798149347305},{"word":"back","start":542.8,"end":543.12,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.05820942670106888},{"word":"of","start":543.12,"end":543.36,"confidence":0.70996094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04908755421638489},{"word":"that","start":543.36,"end":543.6,"confidence":0.8256836,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.058258943259716034},{"word":"10,000","start":543.6,"end":544.98,"confidence":0.8746338,"punctuated_word":"10,000,","sentiment":"neutral","sentiment_score":0.05845509096980095},{"word":"so","start":545.04,"end":545.27997,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.028442787006497383},{"word":"to","start":545.27997,"end":545.36,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028719749301671985},{"word":"speak","start":545.36,"end":545.86,"confidence":0.99658203,"punctuated_word":"speak?","sentiment":"neutral","sentiment_score":0.02533246204257011},{"word":"4,056","start":546.07996,"end":547.77997,"confidence":0.81811523,"punctuated_word":"4,056.","sentiment":"neutral","sentiment_score":0.00921727530658245},{"word":"4,056","start":549.27997,"end":550.875,"confidence":0.98237306,"punctuated_word":"4,056.","sentiment":"neutral","sentiment_score":0.014036262407898905},{"word":"okay","start":553.195,"end":553.695,"confidence":0.9663086,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03008907474577427},{"word":"and","start":554.075,"end":554.575,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01924273557960987},{"word":"is","start":554.715,"end":554.875,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.013966269791126251},{"word":"that","start":554.875,"end":555.115,"confidence":0.9667969,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03154652565717697},{"word":"the","start":555.115,"end":555.195,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01943168602883816},{"word":"maximum","start":555.195,"end":555.695,"confidence":1.0,"punctuated_word":"maximum","sentiment":"neutral","sentiment_score":0.02921297773718834},{"word":"amount","start":556.475,"end":556.975,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.03329593315720558},{"word":"we","start":557.115,"end":557.355,"confidence":0.94140625,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02400907687842846},{"word":"can","start":557.355,"end":557.855,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.02055693231523037},{"word":"put","start":558.555,"end":558.795,"confidence":0.9472656,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.022102488204836845},{"word":"through","start":558.795,"end":559.115,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.012095317244529724},{"word":"a","start":559.115,"end":559.195,"confidence":0.90478516,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01673736236989498},{"word":"fortnight","start":559.195,"end":559.695,"confidence":0.79174805,"punctuated_word":"fortnight?","sentiment":"neutral","sentiment_score":0.011801009997725488},{"word":"he","start":559.835,"end":560.155,"confidence":0.921875,"punctuated_word":"He","sentiment":"neutral","sentiment_score":0.03863443061709404},{"word":"can","start":560.155,"end":560.395,"confidence":0.78149414,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.027970068156719208},{"word":"sorry","start":560.395,"end":560.895,"confidence":0.72387695,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.023621100932359695},{"word":"i","start":581.625,"end":581.78503,"confidence":0.6074219,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00933220051229},{"word":"know","start":581.78503,"end":582.025,"confidence":0.37109375,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.011669961735606194},{"word":"you","start":582.025,"end":582.18506,"confidence":0.2763672,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005499307066202164},{"word":"got","start":582.18506,"end":582.42505,"confidence":0.6958008,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.015946175903081894},{"word":"it","start":582.42505,"end":582.505,"confidence":0.9580078,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.010038388893008232},{"word":"open","start":582.505,"end":583.005,"confidence":0.9753418,"punctuated_word":"open.","sentiment":"neutral","sentiment_score":-0.014465756714344025},{"word":"yes","start":585.065,"end":585.565,"confidence":0.9448242,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12086166441440582},{"word":"reached","start":601.58496,"end":601.825,"confidence":0.80810547,"punctuated_word":"Reached","sentiment":"neutral","sentiment_score":0.018107270821928974},{"word":"the","start":601.825,"end":601.90497,"confidence":0.67041016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007076658308506012},{"word":"consistent","start":601.90497,"end":602.40497,"confidence":0.29052734,"punctuated_word":"consistent","sentiment":"neutral","sentiment_score":-0.014055639505386353},{"word":"old","start":602.865,"end":602.945,"confidence":0.11627197,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.012549430131912231},{"word":"cap","start":602.945,"end":603.445,"confidence":0.80078125,"punctuated_word":"cap.","sentiment":"neutral","sentiment_score":0.012698628008365633},{"word":"mhmm","start":604.545,"end":605.045,"confidence":0.9744873,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0987023115158081},{"word":"oh","start":615.425,"end":615.58496,"confidence":0.85913086,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.24147793650627136},{"word":"yep","start":615.58496,"end":616.05,"confidence":0.8388672,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.21350713074207303},{"word":"yes","start":628.69,"end":629.19,"confidence":0.95703125,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12316948175430298},{"word":"yes","start":629.49,"end":629.835,"confidence":0.9238281,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.026423092931509014},{"word":"i","start":632.395,"end":632.555,"confidence":0.5073242,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06149771809577942},{"word":"see","start":632.555,"end":632.715,"confidence":0.8041992,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.009421959519386292},{"word":"what","start":632.715,"end":632.955,"confidence":0.8173828,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0021169334650039673},{"word":"you're","start":632.955,"end":633.03503,"confidence":0.5888672,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.007511720061302185},{"word":"doing","start":633.03503,"end":633.275,"confidence":0.9550781,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.00469333678483963},{"word":"here","start":633.275,"end":633.775,"confidence":0.73999023,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.016196422278881073},{"word":"still","start":637.11505,"end":637.35504,"confidence":0.88183594,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":-0.012024745345115662},{"word":"within","start":637.35504,"end":637.755,"confidence":0.9091797,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.0030860863626003265},{"word":"that","start":637.755,"end":638.155,"confidence":0.6237793,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.027563439682126045},{"word":"yeah","start":638.155,"end":638.655,"confidence":0.79663086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.040309105068445206},{"word":"and","start":640.635,"end":641.11505,"confidence":0.97314453,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03746802359819412},{"word":"how","start":641.11505,"end":641.35504,"confidence":0.8144531,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.03403376415371895},{"word":"much","start":641.35504,"end":641.515,"confidence":0.9980469,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.06109742447733879},{"word":"does","start":641.515,"end":641.755,"confidence":0.984375,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.020086616277694706},{"word":"he","start":641.755,"end":641.835,"confidence":0.9580078,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.08728303015232086},{"word":"get","start":641.835,"end":642.075,"confidence":0.98828125,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07201960682868958},{"word":"back","start":642.075,"end":642.23505,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.09008423984050752},{"word":"if","start":642.23505,"end":642.395,"confidence":0.9921875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07576881349086761},{"word":"he","start":642.395,"end":642.555,"confidence":0.99121094,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.08463260531425476},{"word":"does","start":642.555,"end":642.79504,"confidence":0.9970703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.0914446860551834},{"word":"500","start":642.79504,"end":643.35504,"confidence":0.99853516,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.12961721420288086},{"word":"a","start":643.35504,"end":643.515,"confidence":0.9111328,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08790186792612076},{"word":"fortnight","start":643.515,"end":644.015,"confidence":0.97631836,"punctuated_word":"fortnight?","sentiment":"neutral","sentiment_score":0.04751967266201973},{"word":"what's","start":644.23505,"end":644.47504,"confidence":0.96069336,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.039831262081861496},{"word":"the","start":644.47504,"end":644.79504,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03437197208404541},{"word":"end","start":644.79504,"end":645.03503,"confidence":0.99902344,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.06782317906618118},{"word":"result","start":645.03503,"end":645.53503,"confidence":0.9926758,"punctuated_word":"result?","sentiment":"neutral","sentiment_score":0.040611207485198975},{"word":"so","start":648.1,"end":648.42,"confidence":0.6010742,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.005666710436344147},{"word":"do","start":648.42,"end":648.66,"confidence":0.8178711,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.00015569105744361875},{"word":"we","start":648.66,"end":648.82,"confidence":0.81396484,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.011015404015779495},{"word":"have","start":648.82,"end":648.98,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02600107714533806},{"word":"that","start":648.98,"end":649.3,"confidence":0.95410156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01161416992545128},{"word":"here","start":649.3,"end":649.8,"confidence":0.8774414,"punctuated_word":"here?","sentiment":"neutral","sentiment_score":0.013872838579118252},{"word":"just","start":651.54,"end":651.77997,"confidence":0.8095703,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.02441740222275257},{"word":"trying","start":651.77997,"end":652.01996,"confidence":0.52685547,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.015362914651632307},{"word":"to","start":652.01996,"end":652.1,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.015800312161445618},{"word":"see","start":652.1,"end":652.33997,"confidence":0.9536133,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.007918942719697952},{"word":"on","start":652.33997,"end":652.42,"confidence":0.97998047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.02478153444826603},{"word":"your","start":652.42,"end":652.66,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03745447099208832},{"word":"paperwork","start":652.66,"end":653.16,"confidence":0.83740234,"punctuated_word":"paperwork.","sentiment":"neutral","sentiment_score":-0.02726723626255989},{"word":"i","start":653.22,"end":653.38,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1552727222442627},{"word":"can't","start":653.38,"end":653.62,"confidence":0.9980469,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1639380156993866},{"word":"really","start":653.62,"end":654.12,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.1702965348958969},{"word":"see","start":654.18,"end":654.68,"confidence":0.8249512,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":-0.21076077222824097},{"word":"okay","start":660.01996,"end":660.51996,"confidence":0.6661377,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.021910693496465683},{"word":"that's","start":689.095,"end":689.495,"confidence":0.9921875,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.08664064854383469},{"word":"not","start":689.495,"end":689.735,"confidence":0.9980469,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.34486207365989685},{"word":"much","start":689.735,"end":690.235,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.2733115553855896},{"word":"more","start":690.295,"end":690.615,"confidence":0.97509766,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.27934038639068604},{"word":"than","start":690.615,"end":690.935,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.2817985415458679},{"word":"the","start":690.935,"end":691.435,"confidence":0.9453125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1451863944530487},{"word":"400","start":691.65497,"end":692.295,"confidence":0.95947266,"punctuated_word":"400","sentiment":"neutral","sentiment_score":-0.16692709922790527},{"word":"contribution","start":692.295,"end":692.795,"confidence":0.9699707,"punctuated_word":"contribution.","sentiment":"neutral","sentiment_score":-0.13628903031349182},{"word":"was","start":693.015,"end":693.255,"confidence":0.9970703,"punctuated_word":"Was","sentiment":"neutral","sentiment_score":-0.07803032547235489},{"word":"it","start":693.255,"end":693.415,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08091821521520615},{"word":"around","start":693.415,"end":693.735,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.12188339233398438},{"word":"the","start":693.735,"end":693.815,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16048437356948853},{"word":"same","start":693.815,"end":694.295,"confidence":0.9970703,"punctuated_word":"same?","sentiment":"neutral","sentiment_score":-0.17934945225715637},{"word":"that","start":694.295,"end":694.535,"confidence":0.3840332,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.18004103004932404},{"word":"400","start":694.535,"end":695.095,"confidence":0.74902344,"punctuated_word":"400","sentiment":"neutral","sentiment_score":-0.1626809537410736},{"word":"dollars","start":695.095,"end":695.33496,"confidence":0.7294922,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":-0.17457562685012817},{"word":"something","start":695.33496,"end":695.83496,"confidence":0.9836426,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":-0.20416325330734253},{"word":"oh","start":699.975,"end":700.135,"confidence":0.8696289,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.1223755180835724},{"word":"yeah","start":700.135,"end":700.375,"confidence":0.99072266,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.10845711827278136},{"word":"i","start":700.375,"end":700.535,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09220710396766664},{"word":"see","start":700.535,"end":700.855,"confidence":0.9951172,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":-0.07297111302614212},{"word":"yeah","start":700.855,"end":701.1,"confidence":0.7573242,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0372762456536293},{"word":"you","start":701.5,"end":701.57996,"confidence":0.4038086,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.03609183430671692},{"word":"know","start":701.57996,"end":702.07996,"confidence":0.87280273,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.07180659472942352},{"word":"yep","start":718.15497,"end":718.65497,"confidence":0.95874023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.19655734300613403},{"word":"yep","start":733.13,"end":733.63,"confidence":0.8190918,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.1341182142496109},{"word":"what","start":736.01,"end":736.25,"confidence":0.96435547,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.060662247240543365},{"word":"is","start":736.41003,"end":736.49,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06441149115562439},{"word":"there","start":736.49,"end":736.65,"confidence":0.9951172,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.06803030520677567},{"word":"another","start":736.65,"end":737.05,"confidence":0.99902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.04765648394823074},{"word":"tax","start":737.05,"end":737.325,"confidence":0.81933594,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.02993703261017799},{"word":"bracket","start":737.405,"end":737.645,"confidence":0.7006836,"punctuated_word":"bracket","sentiment":"neutral","sentiment_score":-0.029932361096143723},{"word":"above","start":737.645,"end":737.805,"confidence":0.99902344,"punctuated_word":"above","sentiment":"neutral","sentiment_score":-0.024822834879159927},{"word":"that","start":737.805,"end":738.045,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.035814978182315826},{"word":"one","start":738.045,"end":738.525,"confidence":0.94262695,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":-0.031027967110276226},{"word":"that's","start":738.525,"end":738.765,"confidence":0.66174316,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.02348562702536583},{"word":"the","start":738.765,"end":739.265,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030686436221003532},{"word":"the","start":739.72504,"end":739.885,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019200854003429413},{"word":"$19.02","start":739.885,"end":740.945,"confidence":0.7395833,"punctuated_word":"$19.02?","sentiment":"neutral","sentiment_score":0.024615269154310223},{"word":"k","start":765.435,"end":765.59503,"confidence":0.88378906,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.015510667115449904},{"word":"because","start":765.59503,"end":765.835,"confidence":0.99121094,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.0032593123614788055},{"word":"we're","start":765.835,"end":766.075,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.004375850316137075},{"word":"gonna","start":766.075,"end":766.235,"confidence":0.9951172,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.025557857006788257},{"word":"be","start":766.235,"end":766.395,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.037086836993694305},{"word":"doing","start":766.395,"end":766.795,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.05943121761083603},{"word":"overtime","start":766.795,"end":767.275,"confidence":0.8154297,"punctuated_word":"overtime.","sentiment":"neutral","sentiment_score":-0.00950595736503601},{"word":"so","start":767.275,"end":767.515,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.024618059396743774},{"word":"we're","start":767.515,"end":767.675,"confidence":0.9921875,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.0031152914743870497},{"word":"gonna","start":767.675,"end":767.915,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0034784451127052307},{"word":"i'm","start":768.395,"end":768.635,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0098470076918602},{"word":"pretty","start":768.635,"end":769.03503,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.00297439843416214},{"word":"sure","start":769.03503,"end":769.355,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.024893268942832947},{"word":"we're","start":769.355,"end":769.59503,"confidence":0.9892578,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.02375602349638939},{"word":"gonna","start":769.59503,"end":769.835,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.023529913276433945},{"word":"go","start":769.835,"end":769.995,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.005960531532764435},{"word":"over","start":769.995,"end":770.235,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.06836088001728058},{"word":"the","start":770.235,"end":770.395,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0095837339758873},{"word":"$1.90","start":770.395,"end":771.215,"confidence":0.9921875,"punctuated_word":"$1.90","sentiment":"neutral","sentiment_score":-0.006660349667072296},{"word":"with","start":772.955,"end":773.355,"confidence":0.8330078,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05074915289878845},{"word":"us","start":773.355,"end":773.59503,"confidence":0.9970703,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.05236054211854935},{"word":"doing","start":773.59503,"end":773.995,"confidence":0.98828125,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.0576927624642849},{"word":"overtime","start":773.995,"end":774.495,"confidence":0.9875488,"punctuated_word":"overtime.","sentiment":"neutral","sentiment_score":-0.006446836516261101},{"word":"so","start":776.955,"end":777.455,"confidence":0.97314453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.015577111393213272},{"word":"does","start":778.91,"end":778.99,"confidence":0.84716797,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.017029251903295517},{"word":"that","start":778.99,"end":779.31,"confidence":0.89990234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007311642169952393},{"word":"change","start":779.31,"end":779.63,"confidence":0.9951172,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.004630029201507568},{"word":"anything","start":779.63,"end":780.13,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.0155411958694458},{"word":"apart","start":782.19,"end":782.51,"confidence":0.67578125,"punctuated_word":"apart","sentiment":"neutral","sentiment_score":-0.016299031674861908},{"word":"from","start":782.51,"end":782.75,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.012684732675552368},{"word":"the","start":782.75,"end":782.91,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004713475704193115},{"word":"tax","start":782.91,"end":783.41,"confidence":0.72509766,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.011566609144210815},{"word":"rate","start":783.55,"end":783.87,"confidence":0.7150879,"punctuated_word":"rate,","sentiment":"neutral","sentiment_score":-0.003452315926551819},{"word":"obviously","start":783.87,"end":784.37,"confidence":0.9797363,"punctuated_word":"obviously?","sentiment":"neutral","sentiment_score":-0.007426053285598755},{"word":"yeah","start":796.84503,"end":797.325,"confidence":0.9880371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2089521437883377},{"word":"i","start":797.325,"end":797.485,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2518865466117859},{"word":"see","start":797.485,"end":797.985,"confidence":0.9946289,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.2956547439098358},{"word":"yeah","start":809.18005,"end":809.68005,"confidence":0.8100586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04730655252933502},{"word":"okay","start":811.10004,"end":811.42004,"confidence":0.8186035,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03833955526351929},{"word":"what","start":811.42004,"end":811.58,"confidence":0.98828125,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.010495595633983612},{"word":"are","start":811.58,"end":811.74005,"confidence":0.78515625,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01925477758049965},{"word":"what","start":811.74005,"end":811.98004,"confidence":0.9892578,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.02814028412103653},{"word":"are","start":811.98004,"end":812.22003,"confidence":0.99316406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0180295929312706},{"word":"these","start":812.22003,"end":812.62,"confidence":0.57421875,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.03413276746869087},{"word":"cost","start":812.62,"end":812.94,"confidence":0.6015625,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.042019810527563095},{"word":"here","start":812.94,"end":813.18005,"confidence":0.6813965,"punctuated_word":"here?","sentiment":"neutral","sentiment_score":0.016808193176984787},{"word":"fee","start":813.18005,"end":813.58,"confidence":0.56347656,"punctuated_word":"Fee","sentiment":"neutral","sentiment_score":0.0217411145567894},{"word":"comparison","start":813.58,"end":814.08,"confidence":0.79296875,"punctuated_word":"comparison.","sentiment":"neutral","sentiment_score":0.022116247564554214},{"word":"date","start":817.52496,"end":817.56494,"confidence":0.38430786,"punctuated_word":"Date.","sentiment":"neutral","sentiment_score":0.03147207945585251},{"word":"a","start":817.56494,"end":817.605,"confidence":0.30981445,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.05081747844815254},{"word":"half","start":817.605,"end":817.685,"confidence":0.984375,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.05374607443809509},{"word":"that's","start":817.765,"end":818.08496,"confidence":0.9699707,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.03840656206011772},{"word":"for","start":818.08496,"end":818.245,"confidence":0.60791016,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03925419598817825},{"word":"day","start":818.245,"end":818.40497,"confidence":0.33154297,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.07644368708133698},{"word":"job","start":818.40497,"end":818.725,"confidence":0.27722168,"punctuated_word":"job.","sentiment":"neutral","sentiment_score":0.06800009310245514},{"word":"i","start":818.725,"end":818.805,"confidence":0.30639648,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11046662926673888},{"word":"got","start":818.805,"end":818.96497,"confidence":0.2705078,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.17869624495506287},{"word":"it","start":818.96497,"end":819.125,"confidence":0.65283203,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1175405979156494},{"word":"a","start":819.125,"end":819.205,"confidence":0.31982422,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1623293310403824},{"word":"super","start":819.205,"end":819.705,"confidence":0.7866211,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.21215228736400604},{"word":"year","start":819.885,"end":820.385,"confidence":0.7351074,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.13994261622428894},{"word":"that's","start":820.565,"end":820.885,"confidence":0.694458,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0613667368888855},{"word":"for","start":820.885,"end":821.385,"confidence":0.1282959,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04241291433572769},{"word":"eight","start":823.845,"end":823.925,"confidence":0.14416504,"punctuated_word":"Eight","sentiment":"neutral","sentiment_score":0.01858031377196312},{"word":"month","start":823.925,"end":824.245,"confidence":0.4753418,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.020844249054789543},{"word":"fee","start":824.245,"end":824.645,"confidence":0.89990234,"punctuated_word":"fee.","sentiment":"neutral","sentiment_score":0.02634365111589432},{"word":"oh","start":824.645,"end":824.805,"confidence":0.8762207,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.023544374853372577},{"word":"so","start":824.805,"end":824.885,"confidence":0.984375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.019708652049303055},{"word":"it's","start":824.885,"end":825.125,"confidence":0.99609375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.022279372438788417},{"word":"a","start":825.125,"end":825.205,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.019298966974020004},{"word":"thousand","start":825.205,"end":825.605,"confidence":0.99902344,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.03030489943921566},{"word":"annually","start":825.605,"end":826.105,"confidence":0.87939453,"punctuated_word":"annually.","sentiment":"neutral","sentiment_score":0.02193412370979786},{"word":"is","start":827.765,"end":827.925,"confidence":0.9902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.01577741652727127},{"word":"it","start":827.925,"end":828.245,"confidence":0.97021484,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.01017974689602852},{"word":"thousand","start":828.245,"end":828.645,"confidence":0.8647461,"punctuated_word":"Thousand","sentiment":"neutral","sentiment_score":0.005505704320967197},{"word":"and","start":828.645,"end":828.805,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.004260849207639694},{"word":"34","start":828.805,"end":829.205,"confidence":0.94140625,"punctuated_word":"34.","sentiment":"neutral","sentiment_score":0.007450871169567108},{"word":"is","start":829.205,"end":829.365,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.008541605435311794},{"word":"that","start":829.365,"end":829.52496,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.014365866780281069},{"word":"what","start":829.52496,"end":829.605,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0021313242614269257},{"word":"that","start":829.605,"end":829.765,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007302578538656235},{"word":"means","start":829.765,"end":830.13,"confidence":0.9777832,"punctuated_word":"means?","sentiment":"neutral","sentiment_score":-0.009990429505705832},{"word":"oh","start":831.09,"end":831.17,"confidence":0.7858887,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.02954830788075924},{"word":"no","start":831.17,"end":831.41003,"confidence":0.9855957,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.03907882794737816},{"word":"total","start":831.41003,"end":831.89,"confidence":0.8745117,"punctuated_word":"Total","sentiment":"neutral","sentiment_score":-0.023625005036592484},{"word":"sorry","start":833.09,"end":833.59,"confidence":0.81274414,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.03308267891407013},{"word":"what","start":833.97003,"end":834.21,"confidence":0.99609375,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.01484561339020729},{"word":"page","start":834.21,"end":834.53,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":-0.016718650236725807},{"word":"are","start":834.53,"end":834.61,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.016232948750257492},{"word":"we","start":834.61,"end":834.85,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.007521092891693115},{"word":"on","start":834.85,"end":835.09,"confidence":0.92407227,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.0122318584471941},{"word":"casper","start":835.09,"end":835.59,"confidence":0.71903485,"punctuated_word":"Casper?","sentiment":"neutral","sentiment_score":-0.007832633331418037},{"word":"we're","start":835.97003,"end":836.21,"confidence":0.93310547,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.005647675599902868},{"word":"on","start":836.21,"end":836.53,"confidence":0.9873047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.002902665175497532},{"word":"page","start":836.53,"end":837.03,"confidence":0.984375,"punctuated_word":"page","sentiment":"neutral","sentiment_score":-0.0064590200781822205},{"word":"13","start":839.01,"end":839.51,"confidence":0.8247884,"punctuated_word":"13.","sentiment":"neutral","sentiment_score":0.0028587374836206436},{"word":"13","start":839.73,"end":840.23,"confidence":0.9425456,"punctuated_word":"13.","sentiment":"neutral","sentiment_score":-0.000543912872672081},{"word":"of","start":841.01,"end":841.17,"confidence":0.36669922,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.0052141789346933365},{"word":"what","start":841.17,"end":841.41003,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.005292621441185474},{"word":"you","start":841.41003,"end":841.65,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004784351214766502},{"word":"sent","start":841.65,"end":841.97003,"confidence":0.94189453,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":-0.0072794221341609955},{"word":"through","start":841.97003,"end":842.385,"confidence":0.8898926,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.0071123335510492325},{"word":"okay","start":849.265,"end":849.765,"confidence":0.97680664,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.015147680416703224},{"word":"so","start":850.945,"end":851.265,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.005526557564735413},{"word":"what","start":851.265,"end":851.765,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.002154957503080368},{"word":"so","start":852.065,"end":852.305,"confidence":0.93603516,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.003388401120901108},{"word":"what","start":852.305,"end":852.545,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.004679795354604721},{"word":"are","start":852.545,"end":852.705,"confidence":0.4567871,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0016478821635246277},{"word":"what","start":852.865,"end":853.025,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.005041532218456268},{"word":"is","start":853.025,"end":853.185,"confidence":0.96972656,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00010200217366218568},{"word":"he","start":853.185,"end":853.34503,"confidence":0.9980469,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.02092768996953964},{"word":"paying","start":853.34503,"end":853.585,"confidence":0.99902344,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.019109193235635757},{"word":"you","start":853.585,"end":853.825,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008482702076435089},{"word":"to","start":853.825,"end":853.985,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023052968084812164},{"word":"do","start":853.985,"end":854.145,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0195171982049942},{"word":"all","start":854.145,"end":854.305,"confidence":0.99609375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.026603952050209045},{"word":"this","start":854.305,"end":854.545,"confidence":0.9753418,"punctuated_word":"this?","sentiment":"neutral","sentiment_score":0.004525523632764816},{"word":"what's","start":854.545,"end":854.865,"confidence":1.0,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.00673733651638031},{"word":"the","start":854.865,"end":855.025,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0042044296860694885},{"word":"fee","start":855.025,"end":855.34503,"confidence":0.9951172,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.013463113456964493},{"word":"for","start":855.34503,"end":855.745,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.026367470622062683},{"word":"your","start":855.745,"end":856.065,"confidence":0.8730469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.00981803610920906},{"word":"guys'","start":856.065,"end":856.47,"confidence":0.9296875,"punctuated_word":"guys'","sentiment":"neutral","sentiment_score":0.028679506853222847},{"word":"contributions","start":857.18994,"end":857.68994,"confidence":0.8041992,"punctuated_word":"contributions?","sentiment":"neutral","sentiment_score":0.03580593317747116},{"word":"annually","start":857.99,"end":858.49,"confidence":0.9913737,"punctuated_word":"Annually.","sentiment":"neutral","sentiment_score":0.006835179403424263},{"word":"annually","start":858.94995,"end":859.44995,"confidence":0.8855794,"punctuated_word":"Annually.","sentiment":"neutral","sentiment_score":0.01214821171015501},{"word":"k","start":865.02997,"end":865.52997,"confidence":0.7866211,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.020133981481194496},{"word":"oh","start":865.75,"end":865.99,"confidence":0.9682617,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.022373437881469727},{"word":"yeah","start":865.99,"end":866.49,"confidence":0.69628906,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.017359673976898193},{"word":"yep","start":888.34,"end":888.84,"confidence":0.9272461,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.15771394968032837},{"word":"yeah","start":893.94,"end":894.375,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.16795335710048676},{"word":"okay","start":901.175,"end":901.675,"confidence":0.6594238,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.01738688163459301},{"word":"can","start":901.975,"end":902.295,"confidence":0.92089844,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.017722738906741142},{"word":"i","start":902.295,"end":902.535,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01788913458585739},{"word":"ask","start":902.535,"end":902.775,"confidence":0.9980469,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":-0.01952805370092392},{"word":"something","start":902.775,"end":903.175,"confidence":0.8605957,"punctuated_word":"something,","sentiment":"neutral","sentiment_score":-0.01238600630313158},{"word":"melissa","start":903.175,"end":903.655,"confidence":0.66955566,"punctuated_word":"Melissa?","sentiment":"neutral","sentiment_score":-0.005233860574662685},{"word":"i","start":903.655,"end":903.735,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03589636832475662},{"word":"just","start":903.735,"end":903.975,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03331378102302551},{"word":"saw","start":903.975,"end":904.135,"confidence":0.99121094,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.030100585892796516},{"word":"in","start":904.135,"end":904.295,"confidence":0.49316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0345066599547863},{"word":"the","start":904.295,"end":904.535,"confidence":0.6020508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07719433307647705},{"word":"document","start":904.535,"end":905.015,"confidence":0.9277344,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.10498929768800735},{"word":"that","start":905.015,"end":905.175,"confidence":0.6923828,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08110588043928146},{"word":"you","start":905.175,"end":905.335,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0819028839468956},{"word":"don't","start":905.335,"end":905.495,"confidence":0.9951172,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06968420743942261},{"word":"the","start":905.735,"end":905.895,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0682886466383934},{"word":"same","start":905.895,"end":906.215,"confidence":0.9951172,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.06385166198015213},{"word":"as","start":906.215,"end":906.375,"confidence":0.8222656,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0955078825354576},{"word":"the","start":906.375,"end":906.615,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08255920559167862},{"word":"beneficiary","start":906.615,"end":907.115,"confidence":0.99316406,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":-0.06994344294071198},{"word":"one","start":907.335,"end":907.835,"confidence":0.94628906,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.10025585442781448},{"word":"i","start":908.13,"end":908.29004,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06190263479948044},{"word":"see","start":908.29004,"end":908.45,"confidence":0.99121094,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.058828577399253845},{"word":"you","start":908.45,"end":908.61,"confidence":0.82128906,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0708378404378891},{"word":"only","start":908.61,"end":908.93,"confidence":0.9970703,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.07864817976951599},{"word":"have","start":908.93,"end":909.17004,"confidence":0.9902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05488684400916099},{"word":"my","start":909.17004,"end":909.49,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.05054207146167755},{"word":"first","start":909.49,"end":909.73004,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.0521012544631958},{"word":"name","start":909.73004,"end":909.97003,"confidence":0.9970703,"punctuated_word":"name","sentiment":"neutral","sentiment_score":-0.055386144667863846},{"word":"on","start":909.97003,"end":910.21,"confidence":0.9506836,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.047853972762823105},{"word":"there","start":910.21,"end":910.45,"confidence":0.8964844,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.06437626481056213},{"word":"not","start":910.45,"end":910.69,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07789435237646103},{"word":"my","start":910.69,"end":911.01,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.07681302726268768},{"word":"second","start":911.01,"end":911.41003,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":-0.06585873663425446},{"word":"name","start":911.41003,"end":911.73004,"confidence":0.99658203,"punctuated_word":"name.","sentiment":"neutral","sentiment_score":-0.0892302542924881},{"word":"is","start":911.73004,"end":911.89,"confidence":0.96777344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.03991936892271042},{"word":"that","start":911.89,"end":911.97003,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02868594229221344},{"word":"gonna","start":911.97003,"end":912.21,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.03978956490755081},{"word":"be","start":912.21,"end":912.45,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0321771577000618},{"word":"alright","start":912.45,"end":912.95,"confidence":0.9975586,"punctuated_word":"alright?","sentiment":"neutral","sentiment_score":-0.03095601126551628},{"word":"you","start":916.29004,"end":916.45,"confidence":0.96240234,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.03575865551829338},{"word":"got","start":916.45,"end":916.77,"confidence":0.49902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.028624963015317917},{"word":"given","start":916.77,"end":917.09,"confidence":0.6196289,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.015502212569117546},{"word":"name","start":917.09,"end":917.41003,"confidence":0.73205566,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":-0.024011963978409767},{"word":"casper","start":917.41003,"end":917.91003,"confidence":0.76220703,"punctuated_word":"Casper.","sentiment":"neutral","sentiment_score":-0.009525997564196588},{"word":"family","start":917.97003,"end":918.29004,"confidence":0.8256836,"punctuated_word":"Family","sentiment":"neutral","sentiment_score":-0.008152078837156296},{"word":"name","start":918.29004,"end":918.53,"confidence":0.99316406,"punctuated_word":"name","sentiment":"neutral","sentiment_score":-0.007683966308832169},{"word":"is","start":918.53,"end":918.77,"confidence":0.52197266,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.006041135638952255},{"word":"farandesh","start":918.77,"end":919.27,"confidence":0.65008545,"punctuated_word":"Farandesh.","sentiment":"neutral","sentiment_score":-0.005302568431943655},{"word":"my","start":919.73004,"end":919.97003,"confidence":0.99902344,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.0195123553276062},{"word":"middle","start":919.97003,"end":920.21,"confidence":0.9980469,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":-0.041353486478328705},{"word":"name","start":920.21,"end":920.45,"confidence":0.9741211,"punctuated_word":"name","sentiment":"neutral","sentiment_score":-0.02273714914917946},{"word":"is","start":920.45,"end":920.61,"confidence":0.8359375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.015569360926747322},{"word":"not","start":920.61,"end":920.93,"confidence":0.78271484,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03346690535545349},{"word":"on","start":920.93,"end":921.17004,"confidence":0.9482422,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.019764365628361705},{"word":"on","start":921.17004,"end":921.33,"confidence":0.75927734,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.019872793927788734},{"word":"there","start":921.33,"end":921.705,"confidence":0.9770508,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.035345256328582764},{"word":"you","start":921.78503,"end":921.945,"confidence":0.99316406,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.022510088980197903},{"word":"don't","start":921.945,"end":922.10504,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03063664585351944},{"word":"need","start":922.10504,"end":922.505,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0374441035091877},{"word":"to","start":922.505,"end":922.905,"confidence":0.9404297,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.07349163293838501},{"word":"i'm","start":922.905,"end":923.065,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04643034189939499},{"word":"just","start":923.065,"end":923.305,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04371277987957001},{"word":"asking","start":923.305,"end":923.805,"confidence":0.99853516,"punctuated_word":"asking.","sentiment":"neutral","sentiment_score":-0.04273039847612381},{"word":"okay","start":928.905,"end":929.405,"confidence":0.97094727,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12552307546138763},{"word":"mhmm","start":935.065,"end":935.565,"confidence":0.93115234,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09796832501888277},{"word":"i","start":936.745,"end":936.825,"confidence":0.37695312,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07117102295160294},{"word":"just","start":936.825,"end":937.23,"confidence":0.91015625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07445104420185089},{"word":"i","start":937.55,"end":937.63,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07079117000102997},{"word":"just","start":937.63,"end":938.02997,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07868883013725281},{"word":"added","start":938.02997,"end":938.43,"confidence":0.96533203,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.07268517464399338},{"word":"in","start":938.43,"end":938.67,"confidence":0.9707031,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06596892327070236},{"word":"my","start":938.67,"end":939.17,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.05156385898590088},{"word":"last","start":939.94995,"end":940.26996,"confidence":0.92822266,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.03403879329562187},{"word":"name","start":940.26996,"end":940.76996,"confidence":0.84033203,"punctuated_word":"name.","sentiment":"neutral","sentiment_score":0.047575801610946655},{"word":"my","start":940.91,"end":941.23,"confidence":0.8520508,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.06077080965042114},{"word":"middle","start":941.23,"end":941.47,"confidence":0.99609375,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":0.06203320994973183},{"word":"name's","start":941.47,"end":941.79,"confidence":0.88012695,"punctuated_word":"name's","sentiment":"neutral","sentiment_score":0.05626821517944336},{"word":"on","start":941.79,"end":942.02997,"confidence":0.98535156,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05268201231956482},{"word":"the","start":942.02997,"end":942.19,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04927464947104454},{"word":"beneficiary","start":942.19,"end":942.69,"confidence":0.99121094,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.0703151673078537},{"word":"paperwork","start":943.23,"end":943.73,"confidence":0.8535156,"punctuated_word":"paperwork","sentiment":"neutral","sentiment_score":0.07065808773040771},{"word":"i","start":943.79,"end":943.87,"confidence":0.9472656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03512924537062645},{"word":"got","start":943.87,"end":944.19,"confidence":0.7866211,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.03250342607498169},{"word":"which","start":944.19,"end":944.43,"confidence":0.99316406,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.02434525638818741},{"word":"i","start":944.43,"end":944.58997,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.017065145075321198},{"word":"need","start":944.58997,"end":944.82996,"confidence":0.9428711,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.024400193244218823},{"word":"to","start":944.82996,"end":944.91,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01821884885430336},{"word":"send","start":944.91,"end":945.14996,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.005845479667186737},{"word":"off","start":945.14996,"end":945.64996,"confidence":0.9814453,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.02165483310818672},{"word":"so","start":946.35,"end":946.51,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05980938673019409},{"word":"yeah","start":946.67,"end":947.17,"confidence":0.9926758,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06961327791213989},{"word":"yeah","start":950.58997,"end":950.67,"confidence":0.92285156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09658189117908478},{"word":"cool","start":950.67,"end":951.07,"confidence":0.96850586,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.11913160979747772},{"word":"alright","start":951.07,"end":951.57,"confidence":0.9970703,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.0469299852848053},{"word":"sorry","start":952.675,"end":952.995,"confidence":0.94018555,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.004780893214046955},{"word":"i","start":952.995,"end":953.235,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.020957618951797485},{"word":"did","start":953.235,"end":953.47504,"confidence":0.98535156,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.02442987635731697},{"word":"have","start":953.47504,"end":953.555,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02442517876625061},{"word":"a","start":953.555,"end":953.715,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08120198547840118},{"word":"question","start":953.715,"end":954.03503,"confidence":0.6954346,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":-0.07364322245121002},{"word":"i","start":954.03503,"end":954.115,"confidence":0.6196289,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05945061519742012},{"word":"was","start":954.115,"end":954.275,"confidence":0.2397461,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.058000773191452026},{"word":"just","start":954.275,"end":954.515,"confidence":0.9140625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06864579021930695},{"word":"gone","start":954.515,"end":955.015,"confidence":0.9020996,"punctuated_word":"gone.","sentiment":"neutral","sentiment_score":-0.05929228663444519},{"word":"is","start":957.155,"end":957.395,"confidence":0.8203125,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.05854444578289986},{"word":"your","start":957.395,"end":957.555,"confidence":0.97509766,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04725632071495056},{"word":"guys","start":957.555,"end":957.875,"confidence":0.7324219,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.04337628558278084},{"word":"fee","start":957.875,"end":958.195,"confidence":0.57128906,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":-0.03685277700424194},{"word":"is","start":958.35504,"end":958.515,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04996569454669952},{"word":"it","start":958.515,"end":958.835,"confidence":0.9770508,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0403093546628952},{"word":"a","start":958.835,"end":958.995,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04934199899435043},{"word":"set","start":958.995,"end":959.315,"confidence":0.7998047,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.05001923069357872},{"word":"price","start":959.315,"end":959.555,"confidence":0.9970703,"punctuated_word":"price","sentiment":"neutral","sentiment_score":-0.054842352867126465},{"word":"or","start":959.555,"end":959.715,"confidence":0.60791016,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05825520679354668},{"word":"does","start":959.715,"end":959.875,"confidence":0.83984375,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.05455566197633743},{"word":"it","start":959.875,"end":959.955,"confidence":0.9350586,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03795266151428223},{"word":"obviously","start":960.03503,"end":960.35504,"confidence":0.94921875,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.053099602460861206},{"word":"it","start":960.35504,"end":960.515,"confidence":0.9838867,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04673020169138909},{"word":"probably","start":960.515,"end":960.755,"confidence":0.99316406,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.06272467225790024},{"word":"changes","start":960.755,"end":961.155,"confidence":0.9980469,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.04848017543554306},{"word":"annually","start":961.155,"end":961.655,"confidence":0.99121094,"punctuated_word":"annually","sentiment":"neutral","sentiment_score":-0.05705040693283081},{"word":"with","start":961.79504,"end":962.115,"confidence":0.3972168,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05186549201607704},{"word":"everything","start":962.115,"end":962.515,"confidence":0.95947266,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.04176250472664833},{"word":"else","start":962.515,"end":962.755,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":-0.050190217792987823},{"word":"that","start":962.755,"end":962.995,"confidence":0.91748047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03845524042844772},{"word":"changes","start":962.995,"end":963.395,"confidence":0.9970703,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.03772372752428055},{"word":"in","start":963.395,"end":963.555,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.033369485288858414},{"word":"the","start":963.555,"end":963.635,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.031502120196819305},{"word":"world","start":963.635,"end":964.135,"confidence":0.8798828,"punctuated_word":"world?","sentiment":"neutral","sentiment_score":-0.033081263303756714},{"word":"yeah","start":972.85004,"end":973.35004,"confidence":0.8522949,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0075427088886499405},{"word":"and","start":975.73004,"end":975.89,"confidence":0.7470703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.03858788311481476},{"word":"how","start":975.89,"end":976.05005,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.04526720568537712},{"word":"much","start":976.05005,"end":976.29004,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.05186055228114128},{"word":"did","start":976.29004,"end":976.45,"confidence":0.97802734,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.05709902197122574},{"word":"it","start":976.45,"end":976.61005,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04890097677707672},{"word":"go","start":976.61005,"end":976.77,"confidence":0.8886719,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.048386700451374054},{"word":"up","start":976.77,"end":977.27,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.04476563259959221},{"word":"from","start":978.05005,"end":978.29004,"confidence":0.95410156,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.04125123843550682},{"word":"the","start":978.29004,"end":978.45,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.047002650797367096},{"word":"last","start":978.45,"end":978.95,"confidence":0.8029785,"punctuated_word":"last,","sentiment":"neutral","sentiment_score":-0.049740806221961975},{"word":"like","start":979.115,"end":979.27496,"confidence":0.9633789,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.05500638484954834},{"word":"you","start":979.27496,"end":979.435,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.060610949993133545},{"word":"know","start":979.435,"end":979.51495,"confidence":0.98657227,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.051869362592697144},{"word":"the","start":979.51495,"end":979.675,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06023292616009712},{"word":"last","start":979.675,"end":980.175,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.05946057289838791},{"word":"price","start":980.795,"end":981.295,"confidence":0.96777344,"punctuated_word":"price","sentiment":"neutral","sentiment_score":-0.05325627699494362},{"word":"cost","start":981.995,"end":982.39496,"confidence":0.9111328,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.058184944093227386},{"word":"rise","start":982.39496,"end":982.795,"confidence":0.6722412,"punctuated_word":"rise,","sentiment":"neutral","sentiment_score":-0.05569480359554291},{"word":"how","start":982.795,"end":983.035,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.0724380761384964},{"word":"much","start":983.035,"end":983.535,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.07694965600967407},{"word":"difference","start":983.75494,"end":984.25494,"confidence":0.9921875,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.059691037982702255},{"word":"was","start":984.315,"end":984.475,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.07022169232368469},{"word":"that","start":984.475,"end":984.975,"confidence":0.9802246,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.07664800435304642},{"word":"k","start":999.20996,"end":999.70996,"confidence":0.90771484,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":-0.07417308539152145},{"word":"yeah","start":1004.97,"end":1005.435,"confidence":0.9147949,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10419419407844543},{"word":"but","start":1037.945,"end":1038.1849,"confidence":0.7084961,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06451446563005447},{"word":"if","start":1038.1849,"end":1038.6649,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1920863091945648},{"word":"if","start":1038.6649,"end":1038.985,"confidence":0.9892578,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.23546302318573},{"word":"if","start":1038.985,"end":1039.145,"confidence":0.9741211,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.31182098388671875},{"word":"his","start":1039.145,"end":1039.645,"confidence":0.7602539,"punctuated_word":"his","sentiment":"negative","sentiment_score":-0.4197606146335602},{"word":"if","start":1039.7849,"end":1040.105,"confidence":0.92089844,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.4548940360546112},{"word":"his","start":1040.105,"end":1040.345,"confidence":0.98095703,"punctuated_word":"his","sentiment":"negative","sentiment_score":-0.548642635345459},{"word":"super","start":1040.345,"end":1040.745,"confidence":0.46557617,"punctuated_word":"super","sentiment":"negative","sentiment_score":-0.5408229827880859},{"word":"is","start":1040.745,"end":1040.9049,"confidence":0.72998047,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.5475491881370544},{"word":"not","start":1040.9049,"end":1041.4049,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.5655378103256226},{"word":"doing","start":1041.625,"end":1041.945,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"negative","sentiment_score":-0.5170101523399353},{"word":"well","start":1041.945,"end":1042.265,"confidence":0.98339844,"punctuated_word":"well,","sentiment":"negative","sentiment_score":-0.4452071785926819},{"word":"you","start":1042.265,"end":1042.4249,"confidence":0.99121094,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5382800698280334},{"word":"guys","start":1042.4249,"end":1042.6649,"confidence":0.9658203,"punctuated_word":"guys","sentiment":"negative","sentiment_score":-0.5218939781188965},{"word":"are","start":1042.6649,"end":1042.825,"confidence":0.98828125,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.5075975656509399},{"word":"still","start":1042.825,"end":1043.065,"confidence":1.0,"punctuated_word":"still","sentiment":"negative","sentiment_score":-0.5219142436981201},{"word":"getting","start":1043.065,"end":1043.385,"confidence":1.0,"punctuated_word":"getting","sentiment":"negative","sentiment_score":-0.5264706611633301},{"word":"your","start":1043.385,"end":1043.885,"confidence":0.9941406,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.58535236120224},{"word":"your","start":1044.24,"end":1044.48,"confidence":0.9980469,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.5763219594955444},{"word":"pay","start":1044.48,"end":1044.8,"confidence":0.9838867,"punctuated_word":"pay","sentiment":"negative","sentiment_score":-0.5476506948471069},{"word":"like","start":1044.88,"end":1045.12,"confidence":0.99316406,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.3992341160774231},{"word":"you","start":1045.12,"end":1045.28,"confidence":0.99902344,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.432913601398468},{"word":"know","start":1045.28,"end":1045.52,"confidence":0.9946289,"punctuated_word":"know,","sentiment":"negative","sentiment_score":-0.4237574338912964},{"word":"your","start":1045.52,"end":1045.92,"confidence":0.94970703,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.5374127626419067},{"word":"your","start":1045.92,"end":1046.24,"confidence":0.9760742,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.5678005218505859},{"word":"fee","start":1046.24,"end":1046.56,"confidence":0.9448242,"punctuated_word":"fee","sentiment":"negative","sentiment_score":-0.469946026802063},{"word":"isn't","start":1046.56,"end":1047.06,"confidence":0.9941406,"punctuated_word":"isn't","sentiment":"negative","sentiment_score":-0.4461645483970642},{"word":"dropping","start":1047.2,"end":1047.7,"confidence":0.96972656,"punctuated_word":"dropping","sentiment":"negative","sentiment_score":-0.478877067565918},{"word":"with","start":1047.76,"end":1048.0,"confidence":0.97265625,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.5403571724891663},{"word":"the","start":1048.0,"end":1048.24,"confidence":0.9633789,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4843669831752777},{"word":"super","start":1048.24,"end":1048.64,"confidence":0.9873047,"punctuated_word":"super","sentiment":"negative","sentiment_score":-0.5300675630569458},{"word":"that's","start":1048.64,"end":1048.96,"confidence":0.8166504,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.471520721912384},{"word":"potential","start":1048.96,"end":1049.36,"confidence":0.3088379,"punctuated_word":"potential","sentiment":"negative","sentiment_score":-0.47160476446151733},{"word":"like","start":1049.44,"end":1049.6,"confidence":0.888916,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.3483874201774597},{"word":"just","start":1049.6,"end":1049.84,"confidence":0.8198242,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.30612853169441223},{"word":"say","start":1049.84,"end":1050.34,"confidence":0.9921875,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.2965033948421478},{"word":"his","start":1050.48,"end":1050.88,"confidence":0.6376953,"punctuated_word":"his","sentiment":"negative","sentiment_score":-0.4219291806221008},{"word":"super","start":1050.88,"end":1051.2,"confidence":0.99121094,"punctuated_word":"super","sentiment":"negative","sentiment_score":-0.4944850504398346},{"word":"balance","start":1051.2,"end":1051.68,"confidence":0.97314453,"punctuated_word":"balance","sentiment":"negative","sentiment_score":-0.45664337277412415},{"word":"dropped","start":1051.68,"end":1052.18,"confidence":0.7949219,"punctuated_word":"dropped.","sentiment":"neutral","sentiment_score":-0.3208371102809906},{"word":"your","start":1052.56,"end":1052.8,"confidence":0.84765625,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.02269446849822998},{"word":"guys'","start":1052.8,"end":1053.12,"confidence":0.6291504,"punctuated_word":"guys'","sentiment":"neutral","sentiment_score":0.05233471095561981},{"word":"fee","start":1053.12,"end":1053.36,"confidence":0.7319336,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.14047229290008545},{"word":"is","start":1053.36,"end":1053.44,"confidence":0.8442383,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10061931610107422},{"word":"not","start":1053.44,"end":1053.68,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.11428574472665788},{"word":"dropping","start":1053.68,"end":1054.08,"confidence":0.8881836,"punctuated_word":"dropping.","sentiment":"neutral","sentiment_score":0.015959814190864563},{"word":"it's","start":1054.08,"end":1054.24,"confidence":0.9946289,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.13038496673107147},{"word":"staying","start":1054.24,"end":1054.56,"confidence":0.9892578,"punctuated_word":"staying","sentiment":"neutral","sentiment_score":0.09885859489440918},{"word":"the","start":1054.56,"end":1054.72,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10458721965551376},{"word":"same","start":1054.72,"end":1054.96,"confidence":0.9946289,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.10946322977542876},{"word":"is","start":1054.96,"end":1055.12,"confidence":0.8510742,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1360526978969574},{"word":"that","start":1055.12,"end":1055.36,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1181078478693962},{"word":"correct","start":1055.36,"end":1055.86,"confidence":1.0,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.08157727122306824},{"word":"has","start":1063.715,"end":1063.955,"confidence":0.9892578,"punctuated_word":"Has","sentiment":"neutral","sentiment_score":-0.01937689259648323},{"word":"his","start":1063.955,"end":1064.455,"confidence":0.97265625,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.09931503981351852},{"word":"account","start":1064.5149,"end":1064.9149,"confidence":0.625,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.13781385123729706},{"word":"dropped","start":1064.9149,"end":1065.315,"confidence":0.80615234,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.09322620928287506},{"word":"at","start":1065.315,"end":1065.3949,"confidence":0.95166016,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.09650120139122008},{"word":"all","start":1065.3949,"end":1065.7949,"confidence":0.9941406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.07209528982639313},{"word":"since","start":1065.7949,"end":1066.0349,"confidence":0.9790039,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.07709717750549316},{"word":"he's","start":1066.0349,"end":1066.195,"confidence":0.98950195,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.09466363489627838},{"word":"been","start":1066.195,"end":1066.355,"confidence":0.98828125,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.03087916225194931},{"word":"with","start":1066.355,"end":1066.595,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.06192916631698608},{"word":"you","start":1066.595,"end":1066.6749,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.034622516483068466},{"word":"guys","start":1066.6749,"end":1067.1749,"confidence":0.9851074,"punctuated_word":"guys?","sentiment":"neutral","sentiment_score":-0.034856218844652176},{"word":"has","start":1067.235,"end":1067.475,"confidence":0.93603516,"punctuated_word":"Has","sentiment":"neutral","sentiment_score":-0.019658735021948814},{"word":"his","start":1067.475,"end":1067.975,"confidence":0.9560547,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.028091570362448692},{"word":"but","start":1073.075,"end":1073.235,"confidence":0.85253906,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1171860694885254},{"word":"in","start":1073.235,"end":1073.475,"confidence":0.93408203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.16422608494758606},{"word":"in","start":1073.475,"end":1073.6349,"confidence":0.984375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.15976788103580475},{"word":"the","start":1073.6349,"end":1073.7949,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1524747759103775},{"word":"bigger","start":1073.7949,"end":1074.2749,"confidence":0.9970703,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":-0.20289520919322968},{"word":"picture","start":1074.2749,"end":1074.7749,"confidence":0.7866211,"punctuated_word":"picture,","sentiment":"neutral","sentiment_score":-0.18901684880256653},{"word":"annually","start":1075.08,"end":1075.58,"confidence":0.984375,"punctuated_word":"annually,","sentiment":"neutral","sentiment_score":-0.08570639044046402},{"word":"has","start":1075.88,"end":1076.0399,"confidence":0.9716797,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.09571611136198044},{"word":"it","start":1076.0399,"end":1076.2799,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1623956561088562},{"word":"ever","start":1076.2799,"end":1076.52,"confidence":0.9140625,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.1134735271334648},{"word":"dropped","start":1076.52,"end":1077.0,"confidence":0.98535156,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.13534778356552124},{"word":"globally","start":1077.0,"end":1077.48,"confidence":0.25097656,"punctuated_word":"globally","sentiment":"neutral","sentiment_score":-0.20296189188957217},{"word":"over","start":1077.48,"end":1077.72,"confidence":0.7949219,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.1272350698709488},{"word":"the","start":1077.72,"end":1077.96,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14282360672950745},{"word":"year","start":1077.96,"end":1078.46,"confidence":0.83325195,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":-0.13933821022510529},{"word":"like","start":1078.6,"end":1078.84,"confidence":0.8408203,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.05367206037044525},{"word":"as","start":1078.84,"end":1079.1599,"confidence":0.7392578,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03370082378387451},{"word":"a","start":1079.1599,"end":1079.24,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.080277219414711},{"word":"whole","start":1079.24,"end":1079.74,"confidence":0.7507324,"punctuated_word":"whole.","sentiment":"neutral","sentiment_score":-0.07718045264482498},{"word":"yeah","start":1086.84,"end":1087.32,"confidence":0.9008789,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.011758007109165192},{"word":"that's","start":1087.32,"end":1087.5599,"confidence":0.85009766,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.014415603131055832},{"word":"what","start":1087.5599,"end":1087.7999,"confidence":0.88720703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01501961424946785},{"word":"my","start":1087.7999,"end":1087.96,"confidence":0.22131348,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.02478870749473572},{"word":"dear","start":1087.96,"end":1088.2799,"confidence":0.5418701,"punctuated_word":"dear.","sentiment":"neutral","sentiment_score":0.010317577049136162},{"word":"so","start":1088.2799,"end":1088.44,"confidence":0.96875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02543385699391365},{"word":"it","start":1088.44,"end":1088.6,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02325974404811859},{"word":"has","start":1088.6,"end":1088.84,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.01070171594619751},{"word":"recovered","start":1088.84,"end":1089.34,"confidence":0.94506836,"punctuated_word":"recovered.","sentiment":"neutral","sentiment_score":0.023959141224622726},{"word":"recovered","start":1092.585,"end":1093.085,"confidence":0.98999023,"punctuated_word":"Recovered","sentiment":"neutral","sentiment_score":0.008450277149677277},{"word":"and","start":1093.145,"end":1093.385,"confidence":0.9428711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0019649937748908997},{"word":"and","start":1093.385,"end":1093.7849,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.016609255224466324},{"word":"gained","start":1093.7849,"end":1094.265,"confidence":0.99609375,"punctuated_word":"gained","sentiment":"neutral","sentiment_score":-0.011416323482990263},{"word":"or","start":1094.265,"end":1094.4249,"confidence":0.7060547,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.011409062892198564},{"word":"just","start":1094.4249,"end":1094.745,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04659037292003632},{"word":"recovered","start":1094.745,"end":1095.225,"confidence":0.96972656,"punctuated_word":"recovered","sentiment":"neutral","sentiment_score":-0.035723187029361725},{"word":"and","start":1095.225,"end":1095.705,"confidence":0.9716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.056545648723840714},{"word":"hit","start":1095.705,"end":1095.945,"confidence":0.27954102,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":-0.020698711276054382},{"word":"the","start":1095.945,"end":1096.1849,"confidence":0.6425781,"punctuated_word":"the,","sentiment":"neutral","sentiment_score":-0.013854295015335085},{"word":"like","start":1096.1849,"end":1096.505,"confidence":0.9880371,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.02340143918991089},{"word":"plateau","start":1096.505,"end":1096.985,"confidence":0.94189453,"punctuated_word":"plateau","sentiment":"neutral","sentiment_score":0.03349311649799347},{"word":"sort","start":1096.985,"end":1097.3049,"confidence":0.67089844,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.010811679065227509},{"word":"of","start":1097.3049,"end":1097.5449,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006364375352859497},{"word":"thing","start":1097.5449,"end":1097.945,"confidence":0.7973633,"punctuated_word":"thing?","sentiment":"neutral","sentiment_score":0.0060900477692484856},{"word":"you","start":1097.945,"end":1098.025,"confidence":0.84716797,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.09097011387348176},{"word":"know","start":1098.025,"end":1098.1849,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.07387206703424454},{"word":"what","start":1098.1849,"end":1098.345,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.07041437923908234},{"word":"i","start":1098.345,"end":1098.4249,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09049028903245926},{"word":"mean","start":1098.4249,"end":1098.9249,"confidence":0.9995117,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":-0.08312863111495972},{"word":"two","start":1108.84,"end":1109.0,"confidence":0.51220703,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":0.009579062461853027},{"word":"months","start":1109.0,"end":1109.5,"confidence":0.84033203,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.020389113575220108},{"word":"right","start":1110.04,"end":1110.54,"confidence":0.7480469,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.044094860553741455},{"word":"yeah","start":1138.87,"end":1139.37,"confidence":0.9440918,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.010516462847590446},{"word":"okay","start":1139.75,"end":1140.25,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04261866211891174},{"word":"okay","start":1142.55,"end":1142.95,"confidence":0.9001465,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1284809112548828},{"word":"thank","start":1142.95,"end":1143.19,"confidence":1.0,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.24614271521568296},{"word":"you","start":1143.19,"end":1143.645,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2788354754447937},{"word":"i","start":1143.885,"end":1144.045,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12781104445457458},{"word":"don't","start":1144.045,"end":1144.125,"confidence":0.9975586,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.11697276681661606},{"word":"i'm","start":1144.365,"end":1144.605,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.29182493686676025},{"word":"not","start":1144.605,"end":1144.925,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2901807129383087},{"word":"a","start":1144.925,"end":1145.085,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.27946704626083374},{"word":"part","start":1145.085,"end":1145.485,"confidence":0.9902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.3187904357910156},{"word":"of","start":1145.485,"end":1145.985,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.30976602435112},{"word":"what","start":1146.045,"end":1146.285,"confidence":0.9921875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2665955722332001},{"word":"he's","start":1146.285,"end":1146.605,"confidence":0.9746094,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.23335900902748108},{"word":"my","start":1146.925,"end":1147.405,"confidence":0.64746094,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.33808326721191406},{"word":"super","start":1147.405,"end":1147.805,"confidence":0.8330078,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.2577103078365326},{"word":"isn't","start":1147.805,"end":1148.125,"confidence":0.99316406,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.26639464497566223},{"word":"going","start":1148.125,"end":1148.365,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.28239408135414124},{"word":"through","start":1148.365,"end":1148.525,"confidence":0.96972656,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.2483086884021759},{"word":"that","start":1148.525,"end":1149.025,"confidence":0.9711914,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.29631757736206055},{"word":"in","start":1149.245,"end":1149.485,"confidence":0.9604492,"punctuated_word":"In","sentiment":"negative","sentiment_score":-0.3686669170856476},{"word":"in","start":1149.485,"end":1149.5651,"confidence":0.5576172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.33265581727027893},{"word":"fact","start":1149.5651,"end":1149.725,"confidence":0.9902344,"punctuated_word":"fact,","sentiment":"neutral","sentiment_score":-0.2666376829147339},{"word":"i'm","start":1149.725,"end":1149.965,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.3892834186553955},{"word":"quite","start":1149.965,"end":1150.285,"confidence":1.0,"punctuated_word":"quite","sentiment":"negative","sentiment_score":-0.4586309790611267},{"word":"blind","start":1150.285,"end":1150.525,"confidence":0.9970703,"punctuated_word":"blind","sentiment":"negative","sentiment_score":-0.4453779458999634},{"word":"with","start":1150.525,"end":1150.765,"confidence":0.9970703,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.5225935578346252},{"word":"what","start":1150.765,"end":1151.005,"confidence":1.0,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.4527290165424347},{"word":"my","start":1151.005,"end":1151.165,"confidence":1.0,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.4246397018432617},{"word":"super","start":1151.165,"end":1151.485,"confidence":0.9819336,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.31863999366760254},{"word":"is","start":1151.485,"end":1151.5651,"confidence":0.84716797,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.33896687626838684},{"word":"doing","start":1151.5651,"end":1151.805,"confidence":0.7310791,"punctuated_word":"doing,","sentiment":"neutral","sentiment_score":-0.29466307163238525},{"word":"so","start":1151.805,"end":1151.965,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1624346524477005},{"word":"i'm","start":1151.965,"end":1152.125,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2051853388547897},{"word":"just","start":1152.125,"end":1152.285,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1745302528142929},{"word":"wondering","start":1152.285,"end":1152.685,"confidence":1.0,"punctuated_word":"wondering","sentiment":"neutral","sentiment_score":-0.20635905861854553},{"word":"whether","start":1152.685,"end":1152.925,"confidence":0.9760742,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.2603616714477539},{"word":"i","start":1152.925,"end":1153.085,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.30833861231803894},{"word":"need","start":1153.085,"end":1153.245,"confidence":0.9941406,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.21715328097343445},{"word":"to","start":1153.245,"end":1153.405,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.27511072158813477},{"word":"sign","start":1153.405,"end":1153.725,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.23340652883052823},{"word":"up","start":1153.725,"end":1154.225,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1801900416612625},{"word":"so","start":1154.765,"end":1154.925,"confidence":0.6816406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.06872569769620895},{"word":"that","start":1154.925,"end":1155.165,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04744192957878113},{"word":"it's","start":1155.165,"end":1155.3251,"confidence":0.9946289,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0864834189414978},{"word":"been","start":1155.3251,"end":1155.645,"confidence":0.7495117,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.09877966344356535},{"word":"over","start":1155.645,"end":1155.885,"confidence":0.6777344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.08810508996248245},{"word":"overseen","start":1156.045,"end":1156.545,"confidence":0.6854248,"punctuated_word":"overseen.","sentiment":"neutral","sentiment_score":-0.10633309930562972},{"word":"you","start":1156.605,"end":1156.765,"confidence":0.9951172,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.10023974627256392},{"word":"know","start":1156.765,"end":1156.925,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.1226908564567566},{"word":"what","start":1156.925,"end":1157.085,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08708327263593674},{"word":"i","start":1157.085,"end":1157.165,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10298269987106325},{"word":"mean","start":1157.165,"end":1157.245,"confidence":0.9980469,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":-0.1012035310268402},{"word":"because","start":1157.245,"end":1157.485,"confidence":0.9921875,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.13739082217216492},{"word":"at","start":1157.485,"end":1157.645,"confidence":0.9453125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.18390443921089172},{"word":"the","start":1157.645,"end":1157.725,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.151627779006958},{"word":"moment","start":1157.725,"end":1158.21,"confidence":0.9350586,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.15745921432971954},{"word":"just","start":1158.21,"end":1158.2899,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.12078514695167542},{"word":"doing","start":1158.2899,"end":1158.3699,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.15481390058994293},{"word":"whatever","start":1158.3699,"end":1158.45,"confidence":1.0,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":-0.12322250753641129},{"word":"it's","start":1158.45,"end":1158.5299,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.13113057613372803},{"word":"doing","start":1158.5299,"end":1159.0299,"confidence":0.9995117,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":-0.13361313939094543},{"word":"yeah","start":1171.73,"end":1172.23,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04926038160920143},{"word":"yep","start":1201.4451,"end":1201.9451,"confidence":0.9790039,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2487190067768097},{"word":"yeah","start":1205.525,"end":1205.925,"confidence":0.8527832,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20127862691879272},{"word":"yep","start":1205.925,"end":1206.425,"confidence":0.8178711,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17367911338806152},{"word":"yep","start":1208.5651,"end":1209.0651,"confidence":0.78393555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02427048049867153},{"word":"so","start":1215.38,"end":1215.7001,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07496097683906555},{"word":"what","start":1215.7001,"end":1216.1,"confidence":0.99316406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.025977447628974915},{"word":"are","start":1216.1,"end":1216.26,"confidence":0.82958984,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.008318744599819183},{"word":"you","start":1216.26,"end":1216.5,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03655800223350525},{"word":"guys","start":1216.5,"end":1216.8201,"confidence":0.9951172,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.021481536328792572},{"word":"what","start":1217.06,"end":1217.3,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0306868776679039},{"word":"what","start":1217.3,"end":1217.54,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.07490015029907227},{"word":"is","start":1217.54,"end":1217.78,"confidence":0.6645508,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10990343242883682},{"word":"your","start":1217.78,"end":1218.28,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.10561277717351912},{"word":"not","start":1219.9401,"end":1220.18,"confidence":0.7553711,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08628515899181366},{"word":"status","start":1220.18,"end":1220.66,"confidence":0.8144531,"punctuated_word":"status,","sentiment":"neutral","sentiment_score":-0.10286818444728851},{"word":"but","start":1220.66,"end":1220.9,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.031705744564533234},{"word":"what's","start":1220.9,"end":1221.06,"confidence":0.9477539,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.06835635751485825},{"word":"what","start":1221.22,"end":1221.38,"confidence":0.98095703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.042546018958091736},{"word":"are","start":1221.4601,"end":1221.62,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.026623472571372982},{"word":"you","start":1221.62,"end":1221.7001,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023093990981578827},{"word":"guys","start":1221.7001,"end":1221.9401,"confidence":0.8305664,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":0.02024577558040619},{"word":"like","start":1221.9401,"end":1222.26,"confidence":0.9628906,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.020006058737635612},{"word":"financial","start":1222.26,"end":1222.76,"confidence":0.99609375,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.013162188231945038},{"word":"advisers","start":1222.9,"end":1223.4,"confidence":0.87524414,"punctuated_word":"advisers?","sentiment":"neutral","sentiment_score":0.021282263100147247},{"word":"what","start":1223.54,"end":1223.78,"confidence":0.9970703,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.022833939641714096},{"word":"are","start":1223.78,"end":1223.9401,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01675199344754219},{"word":"you","start":1223.9401,"end":1224.345,"confidence":0.9916992,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.07687178254127502},{"word":"okay","start":1228.1849,"end":1228.6849,"confidence":0.89501953,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.175350159406662},{"word":"yeah","start":1248.89,"end":1249.39,"confidence":0.9067383,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20104312896728516},{"word":"okay","start":1258.985,"end":1259.385,"confidence":0.8532715,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06507385522127151},{"word":"what","start":1259.385,"end":1259.545,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.011803779751062391},{"word":"about","start":1259.545,"end":1259.9451,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.04863998666405678},{"word":"what","start":1259.9451,"end":1260.185,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06574898958206177},{"word":"about","start":1260.185,"end":1260.505,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.09342284500598907},{"word":"health","start":1260.505,"end":1260.8251,"confidence":0.99316406,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.061922911554574966},{"word":"insurance","start":1260.8251,"end":1261.305,"confidence":0.9975586,"punctuated_word":"insurance?","sentiment":"neutral","sentiment_score":-0.0826827883720398},{"word":"do","start":1261.305,"end":1261.4651,"confidence":0.9980469,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.11812888085842133},{"word":"you","start":1261.4651,"end":1261.545,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10437804460525511},{"word":"know","start":1261.545,"end":1261.7051,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.10058903694152832},{"word":"much","start":1261.7051,"end":1261.9451,"confidence":0.9716797,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.08703460544347763},{"word":"about","start":1261.9451,"end":1262.265,"confidence":0.9838867,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.10951176285743712},{"word":"health","start":1262.265,"end":1262.505,"confidence":0.9550781,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.08607631176710129},{"word":"insurance","start":1262.505,"end":1263.005,"confidence":1.0,"punctuated_word":"insurance?","sentiment":"neutral","sentiment_score":-0.09570971131324768},{"word":"yeah","start":1272.8301,"end":1273.3301,"confidence":0.8781738,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08262749016284943},{"word":"i","start":1274.8301,"end":1274.91,"confidence":0.62841797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06162463501095772},{"word":"see","start":1274.91,"end":1275.15,"confidence":0.99365234,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":-0.04446374624967575},{"word":"yeah","start":1275.15,"end":1275.39,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07333002984523773},{"word":"we're","start":1275.39,"end":1275.55,"confidence":0.9885254,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.11509716510772704},{"word":"just","start":1275.55,"end":1275.79,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.14560171961784363},{"word":"thinking","start":1275.79,"end":1276.29,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.13512513041496277},{"word":"i","start":1276.51,"end":1276.59,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15086090564727783},{"word":"mean","start":1276.59,"end":1276.75,"confidence":0.9909668,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.15022212266921997},{"word":"we","start":1276.75,"end":1277.175,"confidence":0.9873047,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12457334250211716},{"word":"we","start":1277.255,"end":1277.415,"confidence":0.2241211,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.16902822256088257},{"word":"paid","start":1277.415,"end":1277.655,"confidence":0.4880371,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.20198854804039},{"word":"health","start":1277.655,"end":1277.9751,"confidence":0.9526367,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.1930833160877228},{"word":"insurance","start":1277.9751,"end":1278.375,"confidence":0.9980469,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.1966203898191452},{"word":"for","start":1278.375,"end":1278.535,"confidence":0.34643555,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.18245354294776917},{"word":"another","start":1278.535,"end":1278.8551,"confidence":0.37646484,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.21400927007198337},{"word":"long","start":1278.8551,"end":1279.3551,"confidence":0.6398926,"punctuated_word":"long,","sentiment":"neutral","sentiment_score":-0.1369134932756424},{"word":"and","start":1279.495,"end":1279.8151,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12953326106071472},{"word":"we","start":1279.8151,"end":1280.055,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06043662130832672},{"word":"don't","start":1280.055,"end":1280.555,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.30062925815582275},{"word":"we","start":1281.0951,"end":1281.3351,"confidence":0.65283203,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.33327367901802063},{"word":"haven't","start":1281.3351,"end":1281.8351,"confidence":0.99902344,"punctuated_word":"haven't","sentiment":"negative","sentiment_score":-0.33426666259765625},{"word":"we","start":1282.615,"end":1282.8551,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.3154284954071045},{"word":"don't","start":1282.8551,"end":1283.175,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.27553611993789673},{"word":"use","start":1283.175,"end":1283.675,"confidence":0.99902344,"punctuated_word":"use","sentiment":"neutral","sentiment_score":-0.3020775318145752},{"word":"a","start":1283.8151,"end":1283.9751,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3268358111381531},{"word":"lot","start":1283.9751,"end":1284.135,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.28396689891815186},{"word":"of","start":1284.135,"end":1284.635,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3357633352279663},{"word":"what","start":1284.935,"end":1285.175,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.31119149923324585},{"word":"we","start":1285.175,"end":1285.415,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2553350329399109},{"word":"signed","start":1285.415,"end":1285.8151,"confidence":0.82128906,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":-0.2368653118610382},{"word":"up","start":1285.8151,"end":1286.055,"confidence":0.9921875,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.2105013132095337},{"word":"for","start":1286.055,"end":1286.295,"confidence":0.75634766,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.1914362609386444},{"word":"and","start":1286.295,"end":1286.535,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17097294330596924},{"word":"i'm","start":1286.535,"end":1286.6951,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1905866861343384},{"word":"just","start":1286.6951,"end":1286.8551,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.22661978006362915},{"word":"i","start":1287.255,"end":1287.415,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.26381921768188477},{"word":"know","start":1287.415,"end":1287.655,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.3304058015346527},{"word":"some","start":1287.655,"end":1287.8151,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.25699830055236816},{"word":"people","start":1287.8151,"end":1288.135,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.2044958174228668},{"word":"that","start":1288.135,"end":1288.295,"confidence":0.9482422,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1999952495098114},{"word":"don't","start":1288.295,"end":1288.535,"confidence":0.97802734,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2209991216659546},{"word":"have","start":1288.535,"end":1288.6951,"confidence":0.97802734,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.22619175910949707},{"word":"health","start":1288.6951,"end":1289.015,"confidence":0.9980469,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.22618290781974792},{"word":"insurance","start":1289.015,"end":1289.515,"confidence":0.8496094,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":-0.2276262640953064},{"word":"and","start":1290.055,"end":1290.295,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13812313973903656},{"word":"it's","start":1290.295,"end":1290.535,"confidence":0.8911133,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1027623638510704},{"word":"all","start":1290.535,"end":1290.6951,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.025106221437454224},{"word":"good","start":1290.6951,"end":1290.935,"confidence":0.8203125,"punctuated_word":"good,","sentiment":"neutral","sentiment_score":-0.09698425978422164},{"word":"but","start":1290.935,"end":1291.175,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.17176976799964905},{"word":"i","start":1291.175,"end":1291.255,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4569723606109619},{"word":"don't","start":1291.255,"end":1291.495,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.33823227882385254},{"word":"know","start":1291.495,"end":1291.7351,"confidence":0.9970703,"punctuated_word":"know","sentiment":"negative","sentiment_score":-0.5676742196083069},{"word":"how","start":1291.7351,"end":1291.9751,"confidence":1.0,"punctuated_word":"how","sentiment":"negative","sentiment_score":-0.6149010062217712},{"word":"to","start":1291.9751,"end":1292.135,"confidence":0.7133789,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5990449786186218},{"word":"fix","start":1292.135,"end":1292.49,"confidence":0.9980469,"punctuated_word":"fix","sentiment":"negative","sentiment_score":-0.6001198291778564},{"word":"your","start":1292.73,"end":1292.97,"confidence":0.99902344,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.5962674021720886},{"word":"tax","start":1292.97,"end":1293.47,"confidence":0.97802734,"punctuated_word":"tax","sentiment":"negative","sentiment_score":-0.4840501546859741},{"word":"at","start":1293.53,"end":1293.69,"confidence":1.0,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.4852235615253449},{"word":"the","start":1293.69,"end":1293.77,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.44831323623657227},{"word":"end","start":1293.77,"end":1294.01,"confidence":1.0,"punctuated_word":"end","sentiment":"negative","sentiment_score":-0.39009562134742737},{"word":"of","start":1294.01,"end":1294.09,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4182906150817871},{"word":"the","start":1294.09,"end":1294.25,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3707406520843506},{"word":"year","start":1294.25,"end":1294.75,"confidence":0.99853516,"punctuated_word":"year.","sentiment":"negative","sentiment_score":-0.36199772357940674},{"word":"do","start":1295.61,"end":1295.77,"confidence":0.88183594,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.22596606612205505},{"word":"you","start":1295.77,"end":1296.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.23485982418060303},{"word":"know","start":1296.01,"end":1296.51,"confidence":0.8679199,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.15684957802295685},{"word":"yeah","start":1306.09,"end":1306.59,"confidence":0.91381836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06492965668439865},{"word":"yeah","start":1314.7051,"end":1315.2051,"confidence":0.88134766,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02518760971724987},{"word":"yeah","start":1319.425,"end":1319.85,"confidence":0.8601074,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07037530094385147},{"word":"yeah","start":1330.89,"end":1331.13,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.049910660833120346},{"word":"because","start":1331.13,"end":1331.45,"confidence":0.86376953,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":0.01361844688653946},{"word":"i","start":1331.45,"end":1331.53,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.015064910054206848},{"word":"mean","start":1331.53,"end":1331.77,"confidence":0.99853516,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.02131178602576256},{"word":"i've","start":1331.77,"end":1332.1699,"confidence":0.9970703,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.008086232468485832},{"word":"i've","start":1332.1699,"end":1332.65,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.024476846680045128},{"word":"had","start":1332.65,"end":1332.89,"confidence":0.99121094,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.026984483003616333},{"word":"a","start":1332.89,"end":1332.97,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.009112462401390076},{"word":"lot","start":1332.97,"end":1333.21,"confidence":0.9970703,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.03581389784812927},{"word":"of","start":1333.21,"end":1333.2899,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04816742613911629},{"word":"health","start":1333.2899,"end":1333.53,"confidence":0.875,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.10123322904109956},{"word":"things","start":1333.53,"end":1334.01,"confidence":0.90527344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.08078891038894653},{"word":"appointments","start":1334.01,"end":1334.51,"confidence":0.53100586,"punctuated_word":"appointments,","sentiment":"neutral","sentiment_score":-0.05669917166233063},{"word":"and","start":1334.8099,"end":1335.3099,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09216506034135818},{"word":"my","start":1335.9551,"end":1336.4551,"confidence":0.9921875,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.18005584180355072},{"word":"health","start":1337.0751,"end":1337.395,"confidence":0.9316406,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.2130080759525299},{"word":"fund","start":1337.395,"end":1337.875,"confidence":0.9951172,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.1748015284538269},{"word":"doesn't","start":1337.875,"end":1338.1951,"confidence":0.9758301,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.17821082472801208},{"word":"doesn't","start":1338.1951,"end":1338.5951,"confidence":0.98217773,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.17763277888298035},{"word":"cover","start":1338.5951,"end":1338.915,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.12727181613445282},{"word":"a","start":1338.915,"end":1338.995,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12404507398605348},{"word":"lot","start":1338.995,"end":1339.155,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.07936511933803558},{"word":"of","start":1339.155,"end":1339.3151,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11938892304897308},{"word":"them","start":1339.3151,"end":1339.8151,"confidence":0.8708496,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.1029735952615738},{"word":"what","start":1340.3551,"end":1340.515,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.10016171634197236},{"word":"i","start":1340.515,"end":1340.675,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08773555606603622},{"word":"had","start":1340.675,"end":1340.915,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0998738259077072},{"word":"done","start":1340.915,"end":1341.415,"confidence":0.8474121,"punctuated_word":"done,","sentiment":"neutral","sentiment_score":-0.09739965200424194},{"word":"but","start":1341.555,"end":1342.055,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06919415295124054},{"word":"medicare","start":1342.675,"end":1343.175,"confidence":0.84716797,"punctuated_word":"Medicare","sentiment":"neutral","sentiment_score":-0.04968215525150299},{"word":"did","start":1343.4751,"end":1343.795,"confidence":0.8564453,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":-0.06611353904008865},{"word":"so","start":1343.795,"end":1344.295,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0025382861495018005},{"word":"what's","start":1344.3551,"end":1344.5951,"confidence":0.99365234,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.012699085287749767},{"word":"the","start":1344.5951,"end":1344.755,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021995101124048233},{"word":"point","start":1344.755,"end":1344.995,"confidence":0.99902344,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.023862119764089584},{"word":"in","start":1344.995,"end":1345.155,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03547895699739456},{"word":"having","start":1345.155,"end":1345.395,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.02383190393447876},{"word":"it","start":1345.395,"end":1345.555,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0964829921722412},{"word":"if","start":1345.555,"end":1345.795,"confidence":0.91748047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1341840922832489},{"word":"medicare","start":1345.795,"end":1346.1951,"confidence":0.98828125,"punctuated_word":"Medicare","sentiment":"neutral","sentiment_score":0.09760376065969469},{"word":"is","start":1346.1951,"end":1346.275,"confidence":0.6489258,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15699855983257294},{"word":"gonna","start":1346.275,"end":1346.5951,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1723053753376007},{"word":"help","start":1346.5951,"end":1346.755,"confidence":0.9970703,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.1484062373638153},{"word":"me","start":1346.755,"end":1346.8351,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.037711188197135925},{"word":"out","start":1346.8351,"end":1346.995,"confidence":0.9133301,"punctuated_word":"out?","sentiment":"neutral","sentiment_score":0.1024552434682846},{"word":"you","start":1346.995,"end":1347.155,"confidence":0.9951172,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.010624520480632782},{"word":"know","start":1347.155,"end":1347.3151,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.019857633858919144},{"word":"what","start":1347.3151,"end":1347.555,"confidence":0.99316406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.015472225844860075},{"word":"i","start":1347.555,"end":1347.635,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.023744948208332065},{"word":"mean","start":1347.635,"end":1348.02,"confidence":0.9941406,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":-0.024382995441555977},{"word":"so","start":1351.54,"end":1352.02,"confidence":0.82836914,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.07069629430770874},{"word":"yeah","start":1352.02,"end":1352.26,"confidence":0.9824219,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.02121085673570633},{"word":"i","start":1352.26,"end":1352.5,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05743671953678131},{"word":"just","start":1352.5,"end":1352.74,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1130700260400772},{"word":"wondered","start":1352.74,"end":1353.24,"confidence":0.90722656,"punctuated_word":"wondered","sentiment":"neutral","sentiment_score":-0.08429764956235886},{"word":"yeah","start":1355.3,"end":1355.62,"confidence":0.9797363,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.055982448160648346},{"word":"i","start":1355.62,"end":1355.78,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08672785758972168},{"word":"just","start":1355.78,"end":1355.9401,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06264020502567291},{"word":"wondered","start":1355.9401,"end":1356.4401,"confidence":0.9614258,"punctuated_word":"wondered","sentiment":"neutral","sentiment_score":-0.09186164289712906},{"word":"if","start":1356.5801,"end":1357.0801,"confidence":0.9091797,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07387469708919525},{"word":"what's","start":1357.38,"end":1357.78,"confidence":0.8808594,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.06287585198879242},{"word":"the","start":1357.78,"end":1357.9401,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05052170157432556},{"word":"pros","start":1357.9401,"end":1358.26,"confidence":0.9951172,"punctuated_word":"pros","sentiment":"neutral","sentiment_score":0.0328679084777832},{"word":"and","start":1358.26,"end":1358.42,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0549740344285965},{"word":"cons","start":1358.42,"end":1358.74,"confidence":0.99902344,"punctuated_word":"cons","sentiment":"neutral","sentiment_score":-0.005761012434959412},{"word":"of","start":1358.74,"end":1358.9,"confidence":0.7685547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.002336457371711731},{"word":"having","start":1358.9,"end":1359.4,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.051610276103019714},{"word":"or","start":1359.62,"end":1359.86,"confidence":0.8408203,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.059509165585041046},{"word":"not","start":1359.86,"end":1360.1,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.05258086323738098},{"word":"having","start":1360.1,"end":1360.6,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.05550197511911392},{"word":"health","start":1360.66,"end":1360.98,"confidence":0.5527344,"punctuated_word":"Health","sentiment":"neutral","sentiment_score":-0.12331802397966383},{"word":"fund","start":1360.98,"end":1361.48,"confidence":0.8574219,"punctuated_word":"Fund","sentiment":"neutral","sentiment_score":-0.0689924880862236},{"word":"and","start":1361.62,"end":1361.86,"confidence":0.8071289,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06693007051944733},{"word":"just","start":1361.86,"end":1362.36,"confidence":0.70043945,"punctuated_word":"just.","sentiment":"neutral","sentiment_score":-0.08603699505329132},{"word":"but","start":1362.775,"end":1362.855,"confidence":0.5541992,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0851844847202301},{"word":"i","start":1362.855,"end":1362.935,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13302211463451383},{"word":"know","start":1362.935,"end":1363.095,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.14368391036987305},{"word":"it's","start":1363.095,"end":1363.335,"confidence":0.96118164,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1478312909603119},{"word":"got","start":1363.335,"end":1363.495,"confidence":0.85546875,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.19639019668102264},{"word":"something","start":1363.495,"end":1363.815,"confidence":0.9267578,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.14737102389335632},{"word":"to","start":1363.815,"end":1363.895,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15899145603179932},{"word":"do","start":1363.895,"end":1364.055,"confidence":0.9370117,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.14855125546455383},{"word":"with","start":1364.055,"end":1364.295,"confidence":0.99121094,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.10639608651399612},{"word":"the","start":1364.295,"end":1364.455,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1958082616329193},{"word":"tax","start":1364.455,"end":1364.695,"confidence":0.6772461,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.1403517723083496},{"word":"at","start":1364.695,"end":1364.855,"confidence":0.9506836,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2541481554508209},{"word":"the","start":1364.855,"end":1364.935,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18640586733818057},{"word":"end","start":1364.935,"end":1365.015,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.1919119209051132},{"word":"of","start":1365.015,"end":1365.175,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15224096179008484},{"word":"the","start":1365.175,"end":1365.335,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12583419680595398},{"word":"year","start":1365.335,"end":1365.495,"confidence":0.94140625,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.17581403255462646},{"word":"you","start":1365.495,"end":1365.655,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.2754151523113251},{"word":"might","start":1365.655,"end":1365.975,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.26809707283973694},{"word":"pay","start":1365.975,"end":1366.215,"confidence":0.6635742,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.28774648904800415},{"word":"a","start":1366.215,"end":1366.295,"confidence":0.72558594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2610570192337036},{"word":"little","start":1366.295,"end":1366.535,"confidence":0.8154297,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2786438465118408},{"word":"more","start":1366.535,"end":1367.035,"confidence":0.86694336,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":-0.2895039916038513},{"word":"you","start":1367.175,"end":1367.255,"confidence":0.7739258,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.3243514895439148},{"word":"might","start":1367.255,"end":1367.375,"confidence":0.99121094,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.2848549783229828},{"word":"your","start":1367.495,"end":1367.735,"confidence":0.9951172,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.3833172023296356},{"word":"refund","start":1367.735,"end":1368.135,"confidence":0.99902344,"punctuated_word":"refund","sentiment":"neutral","sentiment_score":-0.2718880772590637},{"word":"might","start":1368.135,"end":1368.295,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.29167357087135315},{"word":"not","start":1368.295,"end":1368.455,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.403574138879776},{"word":"be","start":1368.455,"end":1368.695,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3947423398494721},{"word":"as","start":1368.695,"end":1369.195,"confidence":0.9970703,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.3384765088558197},{"word":"as","start":1369.255,"end":1369.495,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.31640198826789856},{"word":"good","start":1369.495,"end":1369.895,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.3089176416397095},{"word":"or","start":1369.895,"end":1370.135,"confidence":0.86035156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.30496904253959656},{"word":"yeah","start":1370.215,"end":1370.375,"confidence":0.9851074,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.310677170753479},{"word":"i'm","start":1370.375,"end":1370.535,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2394077628850937},{"word":"not","start":1370.535,"end":1370.695,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2437010109424591},{"word":"too","start":1370.695,"end":1370.855,"confidence":0.9863281,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.26699963212013245},{"word":"sure","start":1370.855,"end":1371.095,"confidence":0.8449707,"punctuated_word":"sure,","sentiment":"neutral","sentiment_score":-0.22274473309516907},{"word":"to","start":1371.095,"end":1371.255,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2725383937358856},{"word":"be","start":1371.255,"end":1371.415,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.19803935289382937},{"word":"honest","start":1371.415,"end":1371.735,"confidence":0.8039551,"punctuated_word":"honest.","sentiment":"neutral","sentiment_score":-0.250027596950531},{"word":"i","start":1371.735,"end":1371.815,"confidence":0.55810547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1438747197389603},{"word":"just","start":1371.815,"end":1372.055,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0938621461391449},{"word":"thought","start":1372.055,"end":1372.295,"confidence":0.99609375,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.09338518977165222},{"word":"you","start":1372.295,"end":1372.455,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10214023292064668},{"word":"might","start":1372.455,"end":1372.615,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.08542606979608536},{"word":"know","start":1372.615,"end":1373.115,"confidence":0.9941406,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.1157241389155388},{"word":"okay","start":1383.51,"end":1384.01,"confidence":0.9189453,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0004264768213033676},{"word":"it's","start":1390.765,"end":1391.165,"confidence":0.9477539,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.007602793630212545},{"word":"2%","start":1391.165,"end":1391.985,"confidence":0.9921875,"punctuated_word":"2%","sentiment":"neutral","sentiment_score":0.013891886919736862},{"word":"of","start":1393.965,"end":1394.365,"confidence":0.9741211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.006109405308961868},{"word":"your","start":1394.365,"end":1394.845,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.011455431580543518},{"word":"income","start":1394.845,"end":1395.345,"confidence":0.97265625,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.014697901904582976},{"word":"i","start":1397.565,"end":1397.725,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01474151760339737},{"word":"see","start":1397.725,"end":1398.225,"confidence":0.99853516,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":-0.017700396478176117},{"word":"yes","start":1414.86,"end":1415.205,"confidence":0.7558594,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.09301000088453291},{"word":"yeah","start":1422.8049,"end":1423.3049,"confidence":0.87353516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03321996331214905},{"word":"so","start":1424.485,"end":1424.725,"confidence":0.9038086,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00854509323835373},{"word":"you","start":1424.725,"end":1424.885,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.021140307188034058},{"word":"need","start":1424.885,"end":1425.0449,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.05191146582365036},{"word":"to","start":1425.0449,"end":1425.365,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.045293159782886505},{"word":"you","start":1425.365,"end":1425.5249,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.028950251638889313},{"word":"need","start":1425.5249,"end":1425.6849,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.048619598150253296},{"word":"to","start":1425.6849,"end":1426.1649,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.022320084273815155},{"word":"calculate","start":1426.1649,"end":1426.6649,"confidence":1.0,"punctuated_word":"calculate","sentiment":"neutral","sentiment_score":-0.007837742567062378},{"word":"what","start":1427.125,"end":1427.365,"confidence":0.97998047,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.018749624490737915},{"word":"your","start":1427.365,"end":1427.605,"confidence":0.81591797,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.006551735103130341},{"word":"levy","start":1427.605,"end":1427.9249,"confidence":0.6489258,"punctuated_word":"levy","sentiment":"neutral","sentiment_score":0.005000134464353323},{"word":"is","start":1427.9249,"end":1428.085,"confidence":0.78125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0005663037300109863},{"word":"worth","start":1428.085,"end":1428.51,"confidence":0.7753906,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.0008791089057922363},{"word":"and","start":1430.43,"end":1430.67,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04784039407968521},{"word":"put","start":1430.67,"end":1430.91,"confidence":0.9560547,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.049316808581352234},{"word":"it","start":1430.91,"end":1431.0701,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06293194741010666},{"word":"up","start":1431.0701,"end":1431.23,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0867210105061531},{"word":"against","start":1431.23,"end":1431.71,"confidence":0.99902344,"punctuated_word":"against","sentiment":"neutral","sentiment_score":0.02303852140903473},{"word":"what","start":1431.71,"end":1431.95,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05071447789669037},{"word":"you're","start":1431.95,"end":1432.11,"confidence":0.98046875,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.01239700149744749},{"word":"paying","start":1432.11,"end":1432.43,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.04388228803873062},{"word":"annually","start":1432.43,"end":1432.93,"confidence":0.99902344,"punctuated_word":"annually","sentiment":"neutral","sentiment_score":0.023420460522174835},{"word":"for","start":1432.99,"end":1433.15,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.010188773274421692},{"word":"your","start":1433.15,"end":1433.39,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.040032923221588135},{"word":"health","start":1433.39,"end":1433.79,"confidence":1.0,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.048046454787254333},{"word":"insurance","start":1433.79,"end":1434.1901,"confidence":0.9980469,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.040425851941108704},{"word":"and","start":1434.1901,"end":1434.35,"confidence":0.9550781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.016969650983810425},{"word":"see","start":1434.35,"end":1434.59,"confidence":0.9951172,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.005511343479156494},{"word":"which","start":1434.59,"end":1434.83,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.002064123749732971},{"word":"one's","start":1434.83,"end":1435.33,"confidence":0.87890625,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":-0.018138308078050613},{"word":"better","start":1436.35,"end":1436.67,"confidence":0.82714844,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.01681964099407196},{"word":"off","start":1436.67,"end":1437.17,"confidence":0.8354492,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.01661614328622818},{"word":"basically","start":1437.55,"end":1438.05,"confidence":0.9951172,"punctuated_word":"basically.","sentiment":"neutral","sentiment_score":0.0034587588161230087},{"word":"yep","start":1440.27,"end":1440.585,"confidence":0.86206055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08569668978452682},{"word":"yep","start":1443.065,"end":1443.565,"confidence":0.94091797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09472178667783736},{"word":"yeah","start":1447.145,"end":1447.465,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08263503760099411},{"word":"that'll","start":1447.465,"end":1447.865,"confidence":0.95092773,"punctuated_word":"That'll","sentiment":"positive","sentiment_score":0.6119775772094727},{"word":"be","start":1447.865,"end":1448.0249,"confidence":0.9980469,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6296502351760864},{"word":"great","start":1448.0249,"end":1448.5249,"confidence":1.0,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.5637416839599609},{"word":"oh","start":1452.0249,"end":1452.1849,"confidence":0.65649414,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.047888822853565216},{"word":"that","start":1452.1849,"end":1452.265,"confidence":0.38208008,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.068709596991539},{"word":"one's","start":1452.265,"end":1452.585,"confidence":0.6196289,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":0.04920978844165802},{"word":"me","start":1452.585,"end":1453.065,"confidence":0.79174805,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.053090885281562805},{"word":"the","start":1453.065,"end":1453.225,"confidence":0.48657227,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04075640067458153},{"word":"same","start":1453.225,"end":1453.385,"confidence":0.9980469,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.05150860920548439},{"word":"as","start":1453.385,"end":1453.625,"confidence":0.76416016,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08956272155046463},{"word":"casper","start":1453.625,"end":1454.125,"confidence":0.8663737,"punctuated_word":"Casper.","sentiment":"neutral","sentiment_score":0.06634683907032013},{"word":"what","start":1455.05,"end":1455.21,"confidence":0.98095703,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.027079004794359207},{"word":"did","start":1455.21,"end":1455.45,"confidence":0.98291016,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.034758009016513824},{"word":"you","start":1455.45,"end":1455.53,"confidence":0.9838867,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03192846477031708},{"word":"work","start":1455.53,"end":1455.77,"confidence":0.2565918,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.027197740972042084},{"word":"yours","start":1455.77,"end":1456.01,"confidence":0.41479492,"punctuated_word":"yours","sentiment":"neutral","sentiment_score":0.034937746822834015},{"word":"out","start":1456.01,"end":1456.17,"confidence":0.75634766,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04743049666285515},{"word":"on","start":1456.17,"end":1456.33,"confidence":0.9160156,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.047464482486248016},{"word":"workpac","start":1456.33,"end":1456.83,"confidence":0.77197266,"punctuated_word":"WorkPac?","sentiment":"neutral","sentiment_score":0.045629289001226425},{"word":"i","start":1456.97,"end":1457.05,"confidence":0.9091797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.012412367388606071},{"word":"just","start":1457.05,"end":1457.29,"confidence":0.96777344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.009974337182939053},{"word":"went","start":1457.29,"end":1457.53,"confidence":0.7602539,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.016287725418806076},{"word":"a","start":1457.53,"end":1457.61,"confidence":0.4621582,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.016491949558258057},{"word":"182","start":1457.61,"end":1458.91,"confidence":0.9534912,"punctuated_word":"182.","sentiment":"neutral","sentiment_score":0.015263292007148266},{"word":"well","start":1459.37,"end":1459.87,"confidence":0.9104004,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.056401390582323074},{"word":"yes","start":1460.01,"end":1460.49,"confidence":0.8244629,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.0752435028553009},{"word":"we","start":1460.49,"end":1460.73,"confidence":0.94384766,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.05133136361837387},{"word":"work","start":1460.73,"end":1461.23,"confidence":0.8413086,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.05251123756170273},{"word":"we're","start":1461.45,"end":1461.69,"confidence":0.9128418,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.057569921016693115},{"word":"we're","start":1461.69,"end":1461.93,"confidence":0.97314453,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.05114923045039177},{"word":"casual","start":1461.93,"end":1462.41,"confidence":0.99902344,"punctuated_word":"casual","sentiment":"neutral","sentiment_score":0.04730529710650444},{"word":"at","start":1462.41,"end":1462.57,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05088330805301666},{"word":"the","start":1462.57,"end":1462.73,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04563022777438164},{"word":"moment","start":1462.73,"end":1463.23,"confidence":0.9267578,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.04629680514335632},{"word":"so","start":1463.37,"end":1463.61,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02775410003960133},{"word":"we","start":1463.61,"end":1463.85,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.028589898720383644},{"word":"we","start":1463.85,"end":1464.09,"confidence":0.73046875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03141764551401138},{"word":"work","start":1464.09,"end":1464.49,"confidence":0.7949219,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.02636013552546501},{"word":"20","start":1464.49,"end":1464.81,"confidence":0.98828125,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.04663361608982086},{"word":"oh","start":1465.05,"end":1465.21,"confidence":0.8640137,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.021262632682919506},{"word":"it's","start":1465.21,"end":1465.37,"confidence":0.99609375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.002502620220184326},{"word":"gonna","start":1465.37,"end":1465.69,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.01672753132879734},{"word":"go","start":1465.69,"end":1465.85,"confidence":0.9921875,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0029286183416843414},{"word":"down","start":1465.85,"end":1466.17,"confidence":0.9160156,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.011771484278142452},{"word":"isn't","start":1466.17,"end":1466.41,"confidence":0.99658203,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":0.025456219911575317},{"word":"it","start":1466.41,"end":1466.65,"confidence":0.9460449,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.017955169081687927},{"word":"hours","start":1466.65,"end":1467.105,"confidence":0.77075195,"punctuated_word":"Hours.","sentiment":"neutral","sentiment_score":-0.0008465411956422031},{"word":"hang","start":1467.1849,"end":1467.4249,"confidence":0.9921875,"punctuated_word":"Hang","sentiment":"neutral","sentiment_score":-0.027040183544158936},{"word":"on","start":1467.4249,"end":1467.585,"confidence":0.99365234,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.019918056204915047},{"word":"sorry","start":1467.585,"end":1467.825,"confidence":0.97631836,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.08093862235546112},{"word":"i'll","start":1467.825,"end":1468.065,"confidence":0.9880371,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.04856443405151367},{"word":"just","start":1468.065,"end":1468.3049,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.056642115116119385},{"word":"talk","start":1468.3049,"end":1468.465,"confidence":0.74902344,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":-0.03858829662203789},{"word":"about","start":1468.465,"end":1468.705,"confidence":0.6376953,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.035639625042676926},{"word":"it","start":1468.705,"end":1468.785,"confidence":0.984375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0044892169535160065},{"word":"really","start":1468.785,"end":1469.025,"confidence":0.99316406,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.026065833866596225},{"word":"quickly","start":1469.025,"end":1469.525,"confidence":1.0,"punctuated_word":"quickly.","sentiment":"neutral","sentiment_score":-0.010985169559717178},{"word":"well","start":1469.825,"end":1470.325,"confidence":0.5269165,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.01152876578271389},{"word":"most","start":1470.385,"end":1470.785,"confidence":0.22167969,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.029157117009162903},{"word":"of","start":1470.785,"end":1470.865,"confidence":0.88964844,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03778049349784851},{"word":"all","start":1470.865,"end":1471.105,"confidence":0.28125,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.026595961302518845},{"word":"she's","start":1471.105,"end":1471.345,"confidence":0.826416,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.03405873104929924},{"word":"doing","start":1471.345,"end":1471.665,"confidence":0.9980469,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.0261540487408638},{"word":"that","start":1471.665,"end":1472.165,"confidence":0.8041992,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.011279979720711708},{"word":"you","start":1472.225,"end":1472.465,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00227983295917511},{"word":"know","start":1472.465,"end":1472.625,"confidence":0.9692383,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.000471482053399086},{"word":"with","start":1472.625,"end":1472.785,"confidence":0.9038086,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.003091420978307724},{"word":"the","start":1472.785,"end":1472.945,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015164457261562347},{"word":"2%","start":1472.945,"end":1473.665,"confidence":0.96606445,"punctuated_word":"2%","sentiment":"neutral","sentiment_score":-0.003019539639353752},{"word":"because","start":1473.665,"end":1474.145,"confidence":0.5107422,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.020715951919555664},{"word":"when","start":1474.145,"end":1474.385,"confidence":0.9658203,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.05579293519258499},{"word":"i","start":1474.385,"end":1474.5449,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05799144133925438},{"word":"first","start":1474.5449,"end":1474.785,"confidence":0.9863281,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.06858901679515839},{"word":"come","start":1474.785,"end":1474.945,"confidence":0.5883789,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.02288425713777542},{"word":"to","start":1474.945,"end":1475.1849,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.035890817642211914},{"word":"australia","start":1475.1849,"end":1475.665,"confidence":0.97265625,"punctuated_word":"Australia,","sentiment":"neutral","sentiment_score":-0.04694319888949394},{"word":"i","start":1475.665,"end":1475.825,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11740785092115402},{"word":"didn't","start":1475.825,"end":1476.065,"confidence":0.98535156,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.1102881357073784},{"word":"have","start":1476.065,"end":1476.3049,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1046188697218895},{"word":"it","start":1476.3049,"end":1476.385,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1153814047574997},{"word":"for","start":1476.385,"end":1476.625,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1367408037185669},{"word":"a","start":1476.625,"end":1476.705,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0984756350517273},{"word":"couple","start":1476.705,"end":1477.025,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.11182637512683868},{"word":"of","start":1477.025,"end":1477.105,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07829608023166656},{"word":"years","start":1477.105,"end":1477.605,"confidence":0.9875488,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.060989417135715485},{"word":"so","start":1477.825,"end":1478.065,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.034434039145708084},{"word":"i","start":1478.065,"end":1478.145,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02879662811756134},{"word":"think","start":1478.145,"end":1478.625,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.031927287578582764},{"word":"mine","start":1478.625,"end":1478.945,"confidence":0.9970703,"punctuated_word":"mine","sentiment":"neutral","sentiment_score":-0.018938951194286343},{"word":"is","start":1478.945,"end":1479.3,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.026703674346208572},{"word":"28%","start":1479.4601,"end":1480.42,"confidence":0.95491534,"punctuated_word":"28%,","sentiment":"neutral","sentiment_score":-0.005770958960056305},{"word":"but","start":1480.42,"end":1480.5801,"confidence":0.88964844,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.039773669093847275},{"word":"then","start":1480.5801,"end":1480.9,"confidence":0.93359375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.05511612817645073},{"word":"they","start":1480.9,"end":1480.9801,"confidence":0.7763672,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.0347219742834568},{"word":"buy","start":1480.9801,"end":1481.14,"confidence":0.5654297,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.041573841124773026},{"word":"it","start":1481.14,"end":1481.3,"confidence":0.8330078,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03528951108455658},{"word":"between","start":1481.3,"end":1481.8,"confidence":0.9941406,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.04436160624027252},{"word":"the","start":1481.8601,"end":1482.02,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.035397958010435104},{"word":"two","start":1482.02,"end":1482.3401,"confidence":0.9604492,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.022105548530817032},{"word":"of","start":1482.3401,"end":1482.5801,"confidence":0.4921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.025151032954454425},{"word":"two","start":1482.5801,"end":1482.8201,"confidence":0.45629883,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.015412498265504835},{"word":"of","start":1482.8201,"end":1482.9801,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.011733345687389374},{"word":"us","start":1482.9801,"end":1483.3,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.0169210284948349},{"word":"on","start":1483.3,"end":1483.4601,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.02938046306371689},{"word":"tax","start":1483.4601,"end":1483.78,"confidence":0.99121094,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.02889064699411392},{"word":"time","start":1483.78,"end":1484.28,"confidence":0.9655762,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.01604948192834854},{"word":"so","start":1485.06,"end":1485.56,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004457168281078339},{"word":"ours","start":1485.62,"end":1486.02,"confidence":0.8852539,"punctuated_word":"ours","sentiment":"neutral","sentiment_score":0.02675281837582588},{"word":"would","start":1486.02,"end":1486.18,"confidence":0.98095703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.05051445960998535},{"word":"actually","start":1486.18,"end":1486.5801,"confidence":0.9941406,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.05308469384908676},{"word":"be","start":1486.5801,"end":1486.8201,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.051390208303928375},{"word":"is","start":1486.9,"end":1487.14,"confidence":0.97509766,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.053205378353595734},{"word":"it","start":1487.14,"end":1487.4601,"confidence":0.98291016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.052802011370658875},{"word":"2%","start":1487.4601,"end":1488.1001,"confidence":0.99658203,"punctuated_word":"2%","sentiment":"neutral","sentiment_score":0.04729757830500603},{"word":"for","start":1488.1001,"end":1488.26,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.020144615322351456},{"word":"a","start":1488.26,"end":1488.42,"confidence":0.54052734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02743121050298214},{"word":"year","start":1488.42,"end":1488.5801,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.03834221884608269},{"word":"or","start":1488.5801,"end":1488.8201,"confidence":0.4802246,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02154482901096344},{"word":"is","start":1488.8201,"end":1488.9801,"confidence":0.91503906,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.007608652114868164},{"word":"it","start":1488.9801,"end":1489.14,"confidence":0.9667969,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.022937633097171783},{"word":"at","start":1489.14,"end":1489.38,"confidence":0.8769531,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01880725473165512},{"word":"14%","start":1489.38,"end":1490.42,"confidence":0.99902344,"punctuated_word":"14%","sentiment":"neutral","sentiment_score":0.012001723051071169},{"word":"for","start":1490.42,"end":1490.5801,"confidence":0.98828125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.011548660695552826},{"word":"the","start":1490.5801,"end":1490.74,"confidence":0.9291992,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004444025456905365},{"word":"year","start":1490.74,"end":1490.9801,"confidence":0.5175781,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.002382315695285797},{"word":"tax","start":1490.9801,"end":1491.315,"confidence":0.9448242,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.008919522166252136},{"word":"time","start":1491.315,"end":1491.5549,"confidence":0.8574219,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.011500857770442964},{"word":"because","start":1491.5549,"end":1491.6749,"confidence":0.6855469,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06204908341169357},{"word":"you","start":1491.6749,"end":1491.7949,"confidence":0.7783203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08585648238658905},{"word":"didn't","start":1491.7949,"end":1492.195,"confidence":0.9885254,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.07393130660057068},{"word":"have","start":1492.195,"end":1492.4349,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0867091715335846},{"word":"it","start":1492.4349,"end":1492.5149,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06331880390644073},{"word":"for","start":1492.5149,"end":1492.7549,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08367513120174408},{"word":"a","start":1492.7549,"end":1492.835,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05149126797914505},{"word":"period","start":1492.835,"end":1493.1549,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.02689172327518463},{"word":"of","start":1493.1549,"end":1493.315,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02960448712110519},{"word":"time","start":1493.315,"end":1493.815,"confidence":0.9609375,"punctuated_word":"time?","sentiment":"neutral","sentiment_score":-0.03734160959720611},{"word":"yes","start":1499.6349,"end":1500.1349,"confidence":0.90356445,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0025824010372161865},{"word":"yes","start":1500.5149,"end":1501.0149,"confidence":0.88793945,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.01708870381116867},{"word":"no","start":1523.9249,"end":1524.4249,"confidence":0.7902832,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.26920264959335327},{"word":"so","start":1526.725,"end":1527.0449,"confidence":0.6669922,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06624909490346909},{"word":"that's","start":1527.0449,"end":1527.2849,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.07115225493907928},{"word":"why","start":1527.2849,"end":1527.605,"confidence":0.99902344,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.08420804142951965},{"word":"it's","start":1527.605,"end":1528.005,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.02152102254331112},{"word":"better","start":1528.005,"end":1528.325,"confidence":0.9873047,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.1150779128074646},{"word":"to","start":1528.325,"end":1528.8049,"confidence":0.95947266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04668751358985901},{"word":"to","start":1528.8049,"end":1528.965,"confidence":0.9506836,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.034780025482177734},{"word":"have","start":1528.965,"end":1529.2849,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.017871633172035217},{"word":"it","start":1529.2849,"end":1529.365,"confidence":0.9199219,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.033604711294174194},{"word":"than","start":1529.365,"end":1529.605,"confidence":0.40625,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.11682471632957458},{"word":"not","start":1529.605,"end":1529.7649,"confidence":0.94140625,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1751037240028381},{"word":"let","start":1529.7649,"end":1530.005,"confidence":0.83447266,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.21814611554145813},{"word":"it","start":1530.005,"end":1530.1649,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.15141886472702026},{"word":"not","start":1530.325,"end":1530.6449,"confidence":0.9038086,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1917861700057983},{"word":"have","start":1530.6449,"end":1530.8849,"confidence":0.7553711,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.18148809671401975},{"word":"it","start":1530.8849,"end":1531.0449,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.16834968328475952},{"word":"during","start":1531.0449,"end":1531.365,"confidence":0.9970703,"punctuated_word":"during","sentiment":"neutral","sentiment_score":-0.2438182532787323},{"word":"the","start":1531.365,"end":1531.5249,"confidence":0.7661133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08765658736228943},{"word":"year","start":1531.5249,"end":1531.7649,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.07034090161323547},{"word":"because","start":1531.7649,"end":1532.1649,"confidence":0.9248047,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0990266427397728},{"word":"you","start":1532.1649,"end":1532.4049,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12019296735525133},{"word":"get","start":1532.4049,"end":1532.82,"confidence":0.93408203,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.09575649350881577},{"word":"yeah","start":1533.46,"end":1533.86,"confidence":0.9379883,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.09371086955070496},{"word":"okay","start":1533.86,"end":1534.36,"confidence":0.8937988,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.10778336226940156},{"word":"it's","start":1534.5,"end":1534.82,"confidence":0.6954346,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.20115286111831665},{"word":"got","start":1534.82,"end":1534.98,"confidence":0.9770508,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.21079227328300476},{"word":"nothing","start":1534.98,"end":1535.2999,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.24595725536346436},{"word":"to","start":1535.2999,"end":1535.46,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2312011867761612},{"word":"do","start":1535.46,"end":1535.7,"confidence":0.98535156,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.2560523748397827},{"word":"with","start":1535.7,"end":1535.94,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.23075200617313385},{"word":"this","start":1535.94,"end":1536.0599,"confidence":0.6699219,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2110612690448761},{"word":"yeah","start":1536.1799,"end":1536.4199,"confidence":0.98657227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11557196080684662},{"word":"going","start":1536.5,"end":1536.74,"confidence":0.6245117,"punctuated_word":"Going","sentiment":"neutral","sentiment_score":-0.071347676217556},{"word":"yeah","start":1536.82,"end":1537.22,"confidence":0.8886719,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.04908546060323715},{"word":"so","start":1537.22,"end":1537.46,"confidence":0.8598633,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00451934989541769},{"word":"if","start":1537.46,"end":1537.62,"confidence":0.95166016,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0036279158666729927},{"word":"we","start":1537.62,"end":1537.7799,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.021932452917099},{"word":"basically","start":1537.7799,"end":1538.2799,"confidence":0.86035156,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.03131532296538353},{"word":"just","start":1538.34,"end":1538.6599,"confidence":0.6513672,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.043600887060165405},{"word":"get","start":1538.6599,"end":1538.8999,"confidence":0.89990234,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05799645930528641},{"word":"a","start":1538.8999,"end":1539.0599,"confidence":0.66259766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0591796450316906},{"word":"basic","start":1539.0599,"end":1539.5399,"confidence":0.9902344,"punctuated_word":"basic","sentiment":"neutral","sentiment_score":0.04450624436140061},{"word":"cover","start":1539.5399,"end":1539.86,"confidence":0.95703125,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.04060862958431244},{"word":"with","start":1539.86,"end":1540.2599,"confidence":0.97265625,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06211200729012489},{"word":"with","start":1540.2599,"end":1540.58,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.058965228497982025},{"word":"hospital","start":1540.58,"end":1541.08,"confidence":0.98291016,"punctuated_word":"hospital,","sentiment":"neutral","sentiment_score":0.07492458820343018},{"word":"that's","start":1541.7799,"end":1542.1799,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.133978009223938},{"word":"the","start":1542.1799,"end":1542.34,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08833982050418854},{"word":"best","start":1542.34,"end":1542.58,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.08034035563468933},{"word":"way","start":1542.58,"end":1542.82,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.08679132163524628},{"word":"to","start":1542.82,"end":1542.98,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09914841502904892},{"word":"go","start":1542.98,"end":1543.1399,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10697054862976074},{"word":"because","start":1543.1399,"end":1543.46,"confidence":0.9316406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.08984309434890747},{"word":"that","start":1543.46,"end":1543.7799,"confidence":0.9604492,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08918286114931107},{"word":"still","start":1543.7799,"end":1544.0199,"confidence":0.8959961,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07558222860097885},{"word":"covers","start":1544.0199,"end":1544.34,"confidence":0.9970703,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.060421571135520935},{"word":"that","start":1544.34,"end":1544.58,"confidence":0.50878906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09952475130558014},{"word":"2%","start":1544.58,"end":1545.225,"confidence":0.9941406,"punctuated_word":"2%.","sentiment":"neutral","sentiment_score":0.08914109319448471},{"word":"oh","start":1552.745,"end":1552.905,"confidence":0.66186523,"punctuated_word":"Oh.","sentiment":"neutral","sentiment_score":-0.004925047978758812},{"word":"yeah","start":1552.905,"end":1553.3049,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.033519551157951355},{"word":"we","start":1553.3049,"end":1553.5449,"confidence":0.89208984,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.10752998292446136},{"word":"do","start":1553.5449,"end":1553.705,"confidence":0.22631836,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.192336767911911},{"word":"not","start":1553.705,"end":1554.025,"confidence":0.41601562,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1809425950050354},{"word":"i","start":1554.345,"end":1554.505,"confidence":0.63623047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2746412456035614},{"word":"think","start":1554.505,"end":1554.745,"confidence":0.8076172,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.3000272810459137},{"word":"we're","start":1554.745,"end":1555.245,"confidence":0.95336914,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.11859254539012908},{"word":"we're","start":1555.625,"end":1555.785,"confidence":0.9316406,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.08406773209571838},{"word":"happy","start":1555.785,"end":1556.1849,"confidence":0.9941406,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":-0.025369718670845032},{"word":"to","start":1556.1849,"end":1556.345,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08129686117172241},{"word":"pay","start":1556.345,"end":1556.845,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.09881626069545746},{"word":"full","start":1556.905,"end":1557.145,"confidence":0.984375,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.1762239784002304},{"word":"price","start":1557.145,"end":1557.465,"confidence":0.9970703,"punctuated_word":"price","sentiment":"neutral","sentiment_score":-0.1717700958251953},{"word":"for","start":1557.465,"end":1557.625,"confidence":0.76708984,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.17786546051502228},{"word":"our","start":1557.625,"end":1557.785,"confidence":0.98291016,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.14515744149684906},{"word":"cairo","start":1557.785,"end":1558.1849,"confidence":0.54052734,"punctuated_word":"Cairo","sentiment":"neutral","sentiment_score":-0.06825951486825943},{"word":"and","start":1558.1849,"end":1558.4249,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1763978898525238},{"word":"his","start":1558.4249,"end":1558.6649,"confidence":0.98095703,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.17528598010540009},{"word":"glasses","start":1558.6649,"end":1559.1649,"confidence":0.99609375,"punctuated_word":"glasses","sentiment":"neutral","sentiment_score":-0.02672477066516876},{"word":"because","start":1559.225,"end":1559.725,"confidence":0.8828125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.08435886353254318},{"word":"the","start":1560.29,"end":1560.45,"confidence":0.9580078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1034487411379814},{"word":"amount","start":1560.45,"end":1560.69,"confidence":0.99609375,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.1304643750190735},{"word":"that","start":1560.69,"end":1560.77,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1559731364250183},{"word":"we","start":1560.77,"end":1560.9299,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13375413417816162},{"word":"claim","start":1560.9299,"end":1561.25,"confidence":0.98535156,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.09154143929481506},{"word":"on","start":1561.25,"end":1561.41,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1323632001876831},{"word":"those","start":1561.41,"end":1561.65,"confidence":0.9970703,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.14377868175506592},{"word":"annually","start":1561.65,"end":1562.15,"confidence":0.9980469,"punctuated_word":"annually","sentiment":"neutral","sentiment_score":-0.1467985063791275},{"word":"is","start":1562.21,"end":1562.53,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1423469036817551},{"word":"much","start":1562.53,"end":1562.77,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.1987619698047638},{"word":"less","start":1562.77,"end":1563.01,"confidence":0.9980469,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.1160271167755127},{"word":"than","start":1563.01,"end":1563.25,"confidence":0.9980469,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.14399465918540957},{"word":"what","start":1563.25,"end":1563.41,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.18464511632919312},{"word":"we're","start":1563.41,"end":1563.57,"confidence":0.99365234,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.2080032229423523},{"word":"paying","start":1563.57,"end":1564.0499,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.1218978315591812},{"word":"annually","start":1564.0499,"end":1564.53,"confidence":0.98828125,"punctuated_word":"annually","sentiment":"neutral","sentiment_score":-0.16446885466575625},{"word":"for","start":1564.53,"end":1564.77,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1622290015220642},{"word":"health","start":1564.77,"end":1565.01,"confidence":0.9951172,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.11381326615810394},{"word":"insurance","start":1565.01,"end":1565.41,"confidence":0.8234863,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":-0.15379802882671356},{"word":"if","start":1565.41,"end":1565.57,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.159713014960289},{"word":"you","start":1565.57,"end":1565.65,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1274116486310959},{"word":"know","start":1565.65,"end":1565.8099,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.12445256859064102},{"word":"what","start":1565.8099,"end":1565.97,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1000097244977951},{"word":"i","start":1565.97,"end":1566.0499,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09614958614110948},{"word":"mean","start":1566.0499,"end":1566.5499,"confidence":0.97265625,"punctuated_word":"mean.","sentiment":"neutral","sentiment_score":-0.10947564244270323},{"word":"yeah","start":1571.65,"end":1572.0499,"confidence":0.9169922,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07384079694747925},{"word":"so","start":1572.0499,"end":1572.37,"confidence":0.54052734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02189858630299568},{"word":"78","start":1572.37,"end":1572.77,"confidence":0.9890137,"punctuated_word":"78","sentiment":"neutral","sentiment_score":-0.016156233847141266},{"word":"what's","start":1572.85,"end":1573.09,"confidence":0.8093262,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.015074359253048897},{"word":"your","start":1573.09,"end":1573.25,"confidence":0.82373047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.009456686675548552},{"word":"payment","start":1573.25,"end":1573.75,"confidence":0.8845215,"punctuated_word":"payment?","sentiment":"neutral","sentiment_score":-0.009870708920061588},{"word":"78","start":1573.8099,"end":1574.71,"confidence":0.8898926,"punctuated_word":"78.","sentiment":"neutral","sentiment_score":-0.0019539818167686462},{"word":"78","start":1575.745,"end":1576.5449,"confidence":0.8105469,"punctuated_word":"78.","sentiment":"neutral","sentiment_score":-0.0010523039381951094},{"word":"16802","start":1576.5449,"end":1578.025,"confidence":0.8342285,"punctuated_word":"16802.","sentiment":"neutral","sentiment_score":-0.00032052103779278696},{"word":"68","start":1578.025,"end":1578.885,"confidence":0.6557617,"punctuated_word":"68.","sentiment":"neutral","sentiment_score":-0.0005080917617306113},{"word":"alright","start":1580.865,"end":1581.1849,"confidence":0.83325195,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.005321571137756109},{"word":"how","start":1581.1849,"end":1581.345,"confidence":0.6855469,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.00020224694162607193},{"word":"many","start":1581.345,"end":1581.585,"confidence":0.99902344,"punctuated_word":"many","sentiment":"neutral","sentiment_score":-4.174187779426575e-6},{"word":"fortnights","start":1581.585,"end":1582.065,"confidence":0.8605957,"punctuated_word":"fortnights?","sentiment":"neutral","sentiment_score":-0.0007885106024332345},{"word":"twenty","start":1582.065,"end":1582.465,"confidence":0.984375,"punctuated_word":"Twenty","sentiment":"neutral","sentiment_score":0.00003254786133766174},{"word":"six","start":1582.465,"end":1582.5449,"confidence":0.9699707,"punctuated_word":"six.","sentiment":"neutral","sentiment_score":-0.0018871582578867672},{"word":"171","start":1582.5449,"end":1587.745,"confidence":0.8949382,"punctuated_word":"171.","sentiment":"neutral","sentiment_score":-0.002753856824710965},{"word":"where'd","start":1587.745,"end":1587.985,"confidence":0.80566406,"punctuated_word":"Where'd","sentiment":"neutral","sentiment_score":-0.011739356443285942},{"word":"you","start":1587.985,"end":1588.145,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012192699126899242},{"word":"get","start":1588.145,"end":1588.3049,"confidence":0.99609375,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.01592334918677807},{"word":"$1.82","start":1588.3049,"end":1589.025,"confidence":0.9975586,"punctuated_word":"$1.82","sentiment":"neutral","sentiment_score":-0.014358758926391602},{"word":"from","start":1589.025,"end":1589.525,"confidence":0.9980469,"punctuated_word":"from?","sentiment":"neutral","sentiment_score":-0.024274379014968872},{"word":"because","start":1589.63,"end":1589.9501,"confidence":0.40795898,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.08551928400993347},{"word":"i","start":1589.9501,"end":1590.03,"confidence":0.83203125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1488754153251648},{"word":"thought","start":1590.03,"end":1590.27,"confidence":0.7919922,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.13889573514461517},{"word":"it","start":1590.27,"end":1590.43,"confidence":0.85058594,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10795053094625472},{"word":"was","start":1590.43,"end":1590.51,"confidence":0.5708008,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.10320764034986496},{"word":"the","start":1590.51,"end":1590.5901,"confidence":0.5541992,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11835382878780364},{"word":"same","start":1590.5901,"end":1590.75,"confidence":0.9448242,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.11278056353330612},{"word":"as","start":1590.75,"end":1590.91,"confidence":0.9199219,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.14075161516666412},{"word":"the","start":1590.91,"end":1591.0701,"confidence":0.60791016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12434951961040495},{"word":"job","start":1591.0701,"end":1591.31,"confidence":0.5883789,"punctuated_word":"job","sentiment":"neutral","sentiment_score":-0.1157979890704155},{"word":"we","start":1591.31,"end":1591.55,"confidence":0.39453125,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08629801869392395},{"word":"just","start":1591.55,"end":1591.7101,"confidence":0.9790039,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.092478945851326},{"word":"came","start":1591.7101,"end":1592.03,"confidence":0.99121094,"punctuated_word":"came","sentiment":"neutral","sentiment_score":-0.08808756619691849},{"word":"from","start":1592.03,"end":1592.27,"confidence":0.9892578,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.12304596602916718},{"word":"because","start":1592.27,"end":1592.43,"confidence":0.53027344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.123519629240036},{"word":"i","start":1592.43,"end":1592.5901,"confidence":0.5859375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14585009217262268},{"word":"don't","start":1592.5901,"end":1592.75,"confidence":0.84765625,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1100502461194992},{"word":"have","start":1592.75,"end":1592.99,"confidence":0.9873047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.10842952132225037},{"word":"pay","start":1592.99,"end":1593.15,"confidence":0.6743164,"punctuated_word":"pay.","sentiment":"neutral","sentiment_score":-0.13521426916122437},{"word":"right","start":1593.15,"end":1593.65,"confidence":0.98828125,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.03769810125231743},{"word":"yeah","start":1596.99,"end":1597.4701,"confidence":0.96240234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.018159793689846992},{"word":"we're","start":1597.4701,"end":1597.79,"confidence":0.73413086,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.026851505041122437},{"word":"actually","start":1597.79,"end":1598.27,"confidence":0.9614258,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.021230965852737427},{"word":"$1,718.03","start":1598.27,"end":1600.03,"confidence":0.9182129,"punctuated_word":"$1,718.03","sentiment":"neutral","sentiment_score":-0.01622854731976986},{"word":"because","start":1600.03,"end":1600.3501,"confidence":0.6972656,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04163306578993797},{"word":"with","start":1600.3501,"end":1600.5901,"confidence":0.6489258,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.054974786937236786},{"word":"our","start":1600.75,"end":1600.91,"confidence":0.984375,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.06405925750732422},{"word":"hours","start":1600.91,"end":1601.2301,"confidence":0.984375,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":-0.07317309826612473},{"word":"have","start":1601.2301,"end":1601.39,"confidence":0.9589844,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08342946320772171},{"word":"just","start":1601.39,"end":1601.63,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10046069324016572},{"word":"gone","start":1601.63,"end":1601.87,"confidence":0.9506836,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.08228659629821777},{"word":"down","start":1601.87,"end":1602.1101,"confidence":0.8100586,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.05651089549064636},{"word":"boy","start":1602.1101,"end":1602.51,"confidence":0.9350586,"punctuated_word":"boy.","sentiment":"neutral","sentiment_score":-0.03364071622490883},{"word":"oh","start":1602.51,"end":1602.67,"confidence":0.9428711,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.01101354882121086},{"word":"yes","start":1602.67,"end":1603.15,"confidence":0.7770996,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.011472370475530624},{"word":"yeah","start":1603.15,"end":1603.4701,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014157898724079132},{"word":"one","start":1603.4701,"end":1603.79,"confidence":0.9980469,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.0067590028047561646},{"word":"seventy","start":1603.79,"end":1604.1901,"confidence":0.99902344,"punctuated_word":"seventy","sentiment":"neutral","sentiment_score":0.009242894127964972},{"word":"one","start":1604.1901,"end":1604.5901,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0035283397883176804},{"word":"eighty","start":1604.5901,"end":1604.91,"confidence":0.99902344,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":0.008822653442621231},{"word":"three","start":1604.91,"end":1605.41,"confidence":0.99902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.006120635196566582},{"word":"eight","start":1605.605,"end":1605.765,"confidence":0.98828125,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.004216842353343964},{"word":"three","start":1605.765,"end":1606.005,"confidence":0.99316406,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.004531314596533775},{"word":"seven","start":1606.005,"end":1606.485,"confidence":0.99902344,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.0071493107825517654},{"word":"roughly","start":1606.485,"end":1606.985,"confidence":0.59033203,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.008168095722794533},{"word":"around","start":1607.4451,"end":1607.765,"confidence":0.8691406,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.010574450716376305},{"word":"the","start":1607.765,"end":1607.925,"confidence":0.47583008,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004956088960170746},{"word":"end","start":1607.925,"end":1608.425,"confidence":0.7236328,"punctuated_word":"end.","sentiment":"neutral","sentiment_score":0.004200792871415615},{"word":"it's","start":1609.365,"end":1609.525,"confidence":0.7272949,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.007421956863254309},{"word":"all","start":1609.525,"end":1609.765,"confidence":0.21826172,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.006762080360203981},{"word":"eight","start":1609.765,"end":1610.265,"confidence":0.74316406,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.0065864501520991325},{"word":"point","start":1612.725,"end":1613.045,"confidence":0.97998047,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.006742779165506363},{"word":"12","start":1613.045,"end":1613.545,"confidence":0.8449707,"punctuated_word":"12.","sentiment":"neutral","sentiment_score":0.008100857026875019},{"word":"you","start":1613.685,"end":1613.845,"confidence":0.7084961,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.00481238029897213},{"word":"wanna","start":1613.845,"end":1614.165,"confidence":0.96240234,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.010113305412232876},{"word":"be","start":1614.165,"end":1614.405,"confidence":0.86865234,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.010692693293094637},{"word":"specific","start":1614.405,"end":1614.905,"confidence":0.7546387,"punctuated_word":"specific?","sentiment":"neutral","sentiment_score":0.008172312751412392},{"word":"yeah","start":1623.7001,"end":1624.2001,"confidence":0.7824707,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02143368124961853},{"word":"yes","start":1625.78,"end":1626.28,"confidence":0.5654297,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03181878477334976},{"word":"work","start":1635.7151,"end":1636.035,"confidence":0.66503906,"punctuated_word":"Work","sentiment":"neutral","sentiment_score":0.012038208544254305},{"word":"backwards","start":1636.035,"end":1636.435,"confidence":0.83154297,"punctuated_word":"backwards.","sentiment":"neutral","sentiment_score":0.05071451514959335},{"word":"thank","start":1636.435,"end":1636.675,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.39456599950790405},{"word":"you","start":1636.675,"end":1636.8351,"confidence":0.99658203,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3834107220172882},{"word":"appreciate","start":1636.8351,"end":1637.3151,"confidence":0.9667969,"punctuated_word":"Appreciate","sentiment":"positive","sentiment_score":0.4299395084381103},{"word":"that","start":1637.3151,"end":1637.635,"confidence":0.85058594,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.36011070013046265},{"word":"now","start":1637.635,"end":1637.9551,"confidence":0.92822266,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.021487966179847717},{"word":"larissa","start":1637.9551,"end":1638.4551,"confidence":0.8850911,"punctuated_word":"Larissa,","sentiment":"neutral","sentiment_score":-0.013159282505512238},{"word":"now","start":1638.515,"end":1638.755,"confidence":0.9140625,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.058902397751808167},{"word":"that","start":1638.755,"end":1639.0751,"confidence":0.80371094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04803260415792465},{"word":"now","start":1639.395,"end":1639.635,"confidence":0.9921875,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.053947169333696365},{"word":"because","start":1639.635,"end":1640.135,"confidence":0.94970703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06772896647453308},{"word":"our","start":1640.675,"end":1640.8351,"confidence":0.7519531,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.0973784551024437},{"word":"house","start":1640.8351,"end":1641.235,"confidence":0.82177734,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.11877559125423431},{"word":"is","start":1641.235,"end":1641.395,"confidence":0.97998047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11958299577236176},{"word":"getting","start":1641.395,"end":1641.635,"confidence":0.9951172,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.13911187648773193},{"word":"cut","start":1641.635,"end":1641.875,"confidence":0.9667969,"punctuated_word":"cut","sentiment":"neutral","sentiment_score":-0.08708707243204117},{"word":"from","start":1641.875,"end":1642.115,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.08127327263355255},{"word":"twelve","start":1642.115,"end":1642.435,"confidence":0.99902344,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.09525276720523834},{"word":"and","start":1642.435,"end":1642.5951,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06690019369125366},{"word":"a","start":1642.5951,"end":1642.675,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05749695748090744},{"word":"half","start":1642.675,"end":1643.04,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.04052933305501938},{"word":"to","start":1643.04,"end":1643.28,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05321851372718811},{"word":"twelve","start":1643.28,"end":1643.52,"confidence":0.99316406,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.04680655524134636},{"word":"as","start":1643.52,"end":1643.8401,"confidence":0.6699219,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.041697531938552856},{"word":"of","start":1643.8401,"end":1644.0801,"confidence":0.9165039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01974986121058464},{"word":"december","start":1644.0801,"end":1644.56,"confidence":0.66955566,"punctuated_word":"December,","sentiment":"neutral","sentiment_score":-0.01082153432071209},{"word":"october","start":1644.56,"end":1645.04,"confidence":0.8273926,"punctuated_word":"October.","sentiment":"neutral","sentiment_score":-0.02776622958481312},{"word":"this","start":1645.04,"end":1645.36,"confidence":0.8198242,"punctuated_word":"This","sentiment":"neutral","sentiment_score":-0.0347401462495327},{"word":"document","start":1645.36,"end":1645.8401,"confidence":0.99121094,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.027983717620372772},{"word":"you","start":1645.8401,"end":1646.0,"confidence":0.9482422,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.026523388922214508},{"word":"sent","start":1646.0,"end":1646.24,"confidence":0.6425781,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":-0.016806595027446747},{"word":"me","start":1646.24,"end":1646.4,"confidence":0.95654297,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":-0.027703488245606422},{"word":"is","start":1646.4,"end":1646.48,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03947540372610092},{"word":"that","start":1646.48,"end":1646.7201,"confidence":0.9350586,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03790720924735069},{"word":"gonna","start":1646.7201,"end":1647.12,"confidence":0.96435547,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.057502176612615585},{"word":"make","start":1647.12,"end":1647.28,"confidence":0.98535156,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.07088056206703186},{"word":"any","start":1647.28,"end":1647.6001,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.06718076020479202},{"word":"changes","start":1647.6001,"end":1648.0801,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.08748532831668854},{"word":"really","start":1648.0801,"end":1648.4,"confidence":0.7336426,"punctuated_word":"really?","sentiment":"neutral","sentiment_score":-0.05096176639199257},{"word":"do","start":1648.4,"end":1648.56,"confidence":0.921875,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.0813758447766304},{"word":"we","start":1648.56,"end":1648.7201,"confidence":0.97509766,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07808966934680939},{"word":"have","start":1648.7201,"end":1648.88,"confidence":0.9902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0750628262758255},{"word":"to","start":1648.88,"end":1648.9601,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09569401293992996},{"word":"adjust","start":1648.9601,"end":1649.36,"confidence":0.9716797,"punctuated_word":"adjust","sentiment":"neutral","sentiment_score":-0.08966798335313797},{"word":"anything","start":1649.36,"end":1649.76,"confidence":0.71606445,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":-0.07717044651508331},{"word":"or","start":1649.76,"end":1649.92,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05379129946231842},{"word":"is","start":1649.92,"end":1650.0801,"confidence":0.9819336,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05472039058804512},{"word":"that","start":1650.0801,"end":1650.5801,"confidence":0.89453125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06677208840847015},{"word":"still","start":1651.04,"end":1651.28,"confidence":0.94189453,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.07598312199115753},{"word":"good","start":1651.28,"end":1651.52,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4929680824279785},{"word":"to","start":1651.52,"end":1651.68,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4039937555789947},{"word":"go","start":1651.68,"end":1651.8401,"confidence":0.8688965,"punctuated_word":"go?","sentiment":"positive","sentiment_score":0.44643634557724},{"word":"because","start":1651.8401,"end":1652.16,"confidence":0.4116211,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.1938265860080719},{"word":"you're","start":1652.16,"end":1652.3201,"confidence":0.76660156,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2295239418745041},{"word":"still","start":1652.3201,"end":1652.48,"confidence":0.9863281,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.15976686775684357},{"word":"gonna","start":1652.48,"end":1652.8,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.14884436130523682},{"word":"do","start":1652.8,"end":1653.04,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1655922383069992},{"word":"overtime","start":1653.04,"end":1653.52,"confidence":0.94140625,"punctuated_word":"overtime","sentiment":"neutral","sentiment_score":0.27702564001083374},{"word":"anyway","start":1653.52,"end":1654.0,"confidence":0.8203125,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.14664284884929657},{"word":"so","start":1654.0,"end":1654.16,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2493004947900772},{"word":"okay","start":1656.4,"end":1656.9,"confidence":0.9921875,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.21663200855255127},{"word":"do","start":1657.76,"end":1658.0,"confidence":0.5288086,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.12246067821979524},{"word":"you","start":1658.0,"end":1658.16,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.134563609957695},{"word":"wanna","start":1658.16,"end":1658.4,"confidence":0.98828125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.15043054521083832},{"word":"make","start":1658.4,"end":1658.56,"confidence":0.99609375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1377965360879898},{"word":"a","start":1658.56,"end":1658.715,"confidence":0.52685547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1493949294090271},{"word":"appointment","start":1658.7949,"end":1659.0349,"confidence":0.79003906,"punctuated_word":"appointment","sentiment":"neutral","sentiment_score":0.17011170089244845},{"word":"with","start":1659.0349,"end":1659.115,"confidence":0.5517578,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14404410123825073},{"word":"us","start":1659.115,"end":1659.195,"confidence":0.5395508,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.19006192684173584},{"word":"to","start":1659.195,"end":1659.275,"confidence":0.95166016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16277077794075012},{"word":"discuss","start":1659.275,"end":1659.775,"confidence":0.96875,"punctuated_word":"discuss","sentiment":"neutral","sentiment_score":0.17625410854816437},{"word":"anything","start":1659.9149,"end":1660.235,"confidence":0.99609375,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.27301454544067383},{"word":"to","start":1660.235,"end":1660.395,"confidence":0.9550781,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1781548410654068},{"word":"see","start":1660.395,"end":1660.475,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.19844380021095276},{"word":"if","start":1660.475,"end":1660.5549,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17823976278305054},{"word":"you're","start":1660.5549,"end":1660.7949,"confidence":0.95581055,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.13483533263206482},{"word":"interested","start":1660.7949,"end":1661.2949,"confidence":0.99316406,"punctuated_word":"interested?","sentiment":"neutral","sentiment_score":0.0987931340932846},{"word":"yeah","start":1661.755,"end":1661.875,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08628750592470169},{"word":"i","start":1661.875,"end":1661.995,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11733566224575044},{"word":"think","start":1661.995,"end":1662.315,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.153531014919281},{"word":"i","start":1662.315,"end":1662.395,"confidence":0.92578125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12162536382675172},{"word":"am","start":1662.395,"end":1662.635,"confidence":0.99121094,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.16266395151615143},{"word":"interested","start":1662.635,"end":1663.115,"confidence":0.953125,"punctuated_word":"interested.","sentiment":"neutral","sentiment_score":0.165065735578537},{"word":"it's","start":1663.115,"end":1663.275,"confidence":0.98095703,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1587807536125183},{"word":"just","start":1663.275,"end":1663.775,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14534687995910645},{"word":"getting","start":1664.075,"end":1664.315,"confidence":0.7607422,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.11486482620239258},{"word":"the","start":1664.315,"end":1664.475,"confidence":0.94384766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11252763867378236},{"word":"right","start":1664.475,"end":1664.715,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.20131321251392365},{"word":"time","start":1664.715,"end":1664.955,"confidence":0.99609375,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.16220882534980774},{"word":"to","start":1664.955,"end":1665.0349,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1291044056415558},{"word":"do","start":1665.0349,"end":1665.195,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13165894150733948},{"word":"it","start":1665.195,"end":1665.695,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1084742397069931},{"word":"i'm","start":1666.635,"end":1666.955,"confidence":0.88964844,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.00859292596578598},{"word":"trying","start":1666.955,"end":1667.275,"confidence":0.7026367,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.003244411200284958},{"word":"to","start":1667.275,"end":1667.355,"confidence":0.9819336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02242385968565941},{"word":"think","start":1667.355,"end":1667.755,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.015466034412384031},{"word":"tomorrow","start":1667.755,"end":1668.255,"confidence":0.59484863,"punctuated_word":"tomorrow.","sentiment":"neutral","sentiment_score":0.016507737338542938},{"word":"what","start":1668.315,"end":1668.475,"confidence":0.9707031,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.016253206878900528},{"word":"am","start":1668.475,"end":1668.635,"confidence":0.8647461,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.013291552662849426},{"word":"i","start":1668.635,"end":1668.715,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.009092509746551514},{"word":"gonna","start":1668.715,"end":1668.875,"confidence":0.7651367,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.004643891006708145},{"word":"have","start":1668.875,"end":1669.0349,"confidence":0.75683594,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.005196485668420792},{"word":"to","start":1669.0349,"end":1669.275,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.007017528638243675},{"word":"do","start":1669.275,"end":1669.775,"confidence":0.76660156,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":0.005005053244531155},{"word":"oh","start":1669.995,"end":1670.235,"confidence":0.9187012,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.04627709090709686},{"word":"we're","start":1670.235,"end":1670.475,"confidence":0.98999023,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.04173843190073967},{"word":"flying","start":1670.475,"end":1670.7949,"confidence":0.99902344,"punctuated_word":"flying","sentiment":"neutral","sentiment_score":-0.051605138927698135},{"word":"out","start":1670.7949,"end":1671.0349,"confidence":0.98291016,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.039027851074934006},{"word":"to","start":1671.0349,"end":1671.36,"confidence":0.4206543,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06353293359279633},{"word":"tomorrow","start":1673.36,"end":1673.84,"confidence":0.66967773,"punctuated_word":"tomorrow.","sentiment":"neutral","sentiment_score":-0.03790201246738434},{"word":"we","start":1673.84,"end":1674.0,"confidence":0.5288086,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.06688902527093887},{"word":"might","start":1674.0,"end":1674.24,"confidence":0.99316406,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.07256513833999634},{"word":"have","start":1674.24,"end":1674.4,"confidence":0.98095703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06903865933418274},{"word":"to","start":1674.4,"end":1674.48,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06038453429937363},{"word":"leave","start":1674.48,"end":1674.64,"confidence":0.99902344,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.055398717522621155},{"word":"it","start":1674.64,"end":1674.7999,"confidence":0.96118164,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.05389057472348213},{"word":"yeah","start":1674.7999,"end":1675.04,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0009592454880475998},{"word":"maybe","start":1675.04,"end":1675.28,"confidence":1.0,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":0.002434574067592621},{"word":"i","start":1675.28,"end":1675.44,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.007652357220649719},{"word":"can","start":1675.44,"end":1675.6,"confidence":0.9921875,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.011635243892669678},{"word":"make","start":1675.6,"end":1675.76,"confidence":0.9902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.013877205550670624},{"word":"contact","start":1675.76,"end":1676.08,"confidence":0.99609375,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":0.01366918534040451},{"word":"when","start":1676.08,"end":1676.32,"confidence":0.95166016,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.007090041413903236},{"word":"i've","start":1676.32,"end":1676.48,"confidence":0.9584961,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.015449978411197662},{"word":"got","start":1676.48,"end":1676.64,"confidence":0.9760742,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.004743702709674835},{"word":"more","start":1676.64,"end":1676.88,"confidence":0.9951172,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0021713711321353912},{"word":"time","start":1676.88,"end":1677.28,"confidence":0.6854248,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.004223118536174297},{"word":"the","start":1677.28,"end":1677.44,"confidence":0.54589844,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.001820831559598446},{"word":"third","start":1677.44,"end":1677.6799,"confidence":0.5703125,"punctuated_word":"third","sentiment":"neutral","sentiment_score":0.0006423890590667725},{"word":"and","start":1677.6799,"end":1677.84,"confidence":0.30419922,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.010012753307819366},{"word":"fourth","start":1677.84,"end":1678.0,"confidence":0.8183594,"punctuated_word":"fourth","sentiment":"neutral","sentiment_score":0.0008828788995742798},{"word":"of","start":1678.0,"end":1678.16,"confidence":0.47460938,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.003884582780301571},{"word":"october","start":1678.16,"end":1678.66,"confidence":0.7817383,"punctuated_word":"October.","sentiment":"neutral","sentiment_score":-0.003367832861840725},{"word":"i'm","start":1679.44,"end":1679.6799,"confidence":0.98413086,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.006853956263512373},{"word":"not","start":1679.6799,"end":1679.92,"confidence":0.9892578,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.12519142031669617},{"word":"certain","start":1679.92,"end":1680.42,"confidence":0.75146484,"punctuated_word":"certain.","sentiment":"neutral","sentiment_score":-0.11045977473258972},{"word":"yep","start":1687.215,"end":1687.715,"confidence":0.8156738,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08628295361995697},{"word":"oh","start":1689.135,"end":1689.375,"confidence":0.6636963,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.10262619704008102},{"word":"i'm","start":1689.375,"end":1689.455,"confidence":0.6571045,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1117015779018402},{"word":"not","start":1689.455,"end":1689.695,"confidence":0.6094971,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.09942459315061568},{"word":"i","start":1689.695,"end":1689.775,"confidence":0.46801758,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07730110734701157},{"word":"heard","start":1689.775,"end":1690.015,"confidence":0.50341797,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":-0.026225659996271133},{"word":"your","start":1690.015,"end":1690.175,"confidence":0.48583984,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02811262011528015},{"word":"message","start":1690.175,"end":1690.675,"confidence":0.82128906,"punctuated_word":"message.","sentiment":"neutral","sentiment_score":-0.03770042955875397},{"word":"mhmm","start":1692.495,"end":1692.995,"confidence":0.8483887,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.1284632682800293},{"word":"yeah","start":1693.615,"end":1694.115,"confidence":0.6895752,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.12536412477493286},{"word":"i'm","start":1694.815,"end":1694.975,"confidence":0.5057373,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.15595188736915588},{"word":"just","start":1694.975,"end":1695.215,"confidence":0.9243164,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.16491888463497162},{"word":"about","start":1695.215,"end":1695.615,"confidence":0.98291016,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.15920570492744446},{"word":"killed","start":1695.615,"end":1695.855,"confidence":0.68115234,"punctuated_word":"killed","sentiment":"neutral","sentiment_score":-0.17738884687423706},{"word":"casper","start":1695.855,"end":1696.255,"confidence":0.7609863,"punctuated_word":"Casper","sentiment":"neutral","sentiment_score":-0.1735321879386902},{"word":"numerous","start":1696.255,"end":1696.755,"confidence":0.9970703,"punctuated_word":"numerous","sentiment":"neutral","sentiment_score":-0.13480369746685028},{"word":"times","start":1696.815,"end":1697.315,"confidence":0.9802246,"punctuated_word":"times.","sentiment":"neutral","sentiment_score":-0.14352554082870483},{"word":"three","start":1698.87,"end":1699.1901,"confidence":0.91748047,"punctuated_word":"Three","sentiment":"neutral","sentiment_score":-0.05047573894262314},{"word":"years","start":1699.1901,"end":1699.51,"confidence":0.9941406,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.0602111779153347},{"word":"in","start":1699.51,"end":1700.01,"confidence":0.6213379,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.0370783656835556},{"word":"no","start":1706.55,"end":1707.05,"confidence":0.8261719,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.3351270258426666},{"word":"this","start":1718.275,"end":1718.775,"confidence":0.7392578,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.004649896174669266},{"word":"yeah","start":1719.555,"end":1719.875,"confidence":0.9394531,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01549367606639862},{"word":"the","start":1719.875,"end":1720.1151,"confidence":0.9326172,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.007264276966452599},{"word":"thirteenth","start":1720.1151,"end":1720.6151,"confidence":0.89416504,"punctuated_word":"thirteenth.","sentiment":"neutral","sentiment_score":0.015623304061591623},{"word":"i","start":1720.675,"end":1720.755,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.019012264907360077},{"word":"think","start":1720.755,"end":1720.9951,"confidence":0.84472656,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.02697633020579815},{"word":"i've","start":1720.9951,"end":1721.155,"confidence":0.98046875,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.025183191522955894},{"word":"got","start":1721.155,"end":1721.2351,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.02265891432762146},{"word":"an","start":1721.2351,"end":1721.395,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.014136165380477904},{"word":"appointment","start":1721.395,"end":1721.895,"confidence":0.8967285,"punctuated_word":"appointment.","sentiment":"neutral","sentiment_score":0.013073710724711418},{"word":"one","start":1721.9551,"end":1722.1951,"confidence":0.9951172,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.015058070421218872},{"word":"second","start":1722.1951,"end":1722.515,"confidence":0.95751953,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":0.01565871760249138},{"word":"but","start":1722.515,"end":1722.755,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.015601858496665956},{"word":"the","start":1722.755,"end":1722.915,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021438738331198692},{"word":"thirteenth","start":1722.915,"end":1723.415,"confidence":0.9980469,"punctuated_word":"thirteenth","sentiment":"neutral","sentiment_score":0.018569882959127423},{"word":"might","start":1723.4751,"end":1723.7151,"confidence":0.9970703,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.02805627323687077},{"word":"be","start":1723.7151,"end":1724.2151,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.01628672331571579},{"word":"might","start":1724.915,"end":1725.2351,"confidence":0.984375,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.0327204130589962},{"word":"work","start":1725.2351,"end":1725.7351,"confidence":0.99560547,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.013293620198965073},{"word":"just","start":1726.07,"end":1726.57,"confidence":0.9770508,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.008815310895442963},{"word":"gotta","start":1728.23,"end":1728.73,"confidence":0.90527344,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.0026017166674137115},{"word":"check","start":1728.79,"end":1728.95,"confidence":0.8786621,"punctuated_word":"check.","sentiment":"neutral","sentiment_score":0.002195894718170166},{"word":"i","start":1728.95,"end":1729.11,"confidence":0.80566406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00367635115981102},{"word":"know","start":1729.11,"end":1729.27,"confidence":0.9580078,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.004605058580636978},{"word":"i've","start":1729.27,"end":1729.35,"confidence":0.77197266,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.010311602614820004},{"word":"got","start":1729.35,"end":1729.75,"confidence":0.9892578,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.003420274704694748},{"word":"an","start":1729.75,"end":1729.99,"confidence":0.97509766,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.003277033567428589},{"word":"appointment","start":1729.99,"end":1730.49,"confidence":1.0,"punctuated_word":"appointment","sentiment":"neutral","sentiment_score":0.006779283285140991},{"word":"that","start":1730.63,"end":1730.87,"confidence":0.9472656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0016007386147975922},{"word":"day","start":1730.87,"end":1731.37,"confidence":0.99609375,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":-0.0029793549329042435},{"word":"oh","start":1732.31,"end":1732.63,"confidence":0.9699707,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.009753219783306122},{"word":"no","start":1732.63,"end":1732.87,"confidence":0.8601074,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.003637220710515976},{"word":"i've","start":1732.87,"end":1732.95,"confidence":0.7961426,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.022936170920729637},{"word":"got","start":1732.95,"end":1733.11,"confidence":0.9667969,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0034253038465976715},{"word":"someone","start":1733.11,"end":1733.51,"confidence":0.8105469,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":-0.009636826813220978},{"word":"here","start":1733.51,"end":1733.67,"confidence":0.31518555,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.0105123370885849},{"word":"to","start":1733.67,"end":1733.83,"confidence":0.34838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.029088478535413746},{"word":"do","start":1733.83,"end":1733.99,"confidence":0.88427734,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03457016497850418},{"word":"that","start":1733.99,"end":1734.23,"confidence":0.89746094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04192482307553291},{"word":"day","start":1734.23,"end":1734.73,"confidence":0.91674805,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":0.02357964962720871},{"word":"it's","start":1734.79,"end":1735.03,"confidence":0.8190918,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.12423082441091536},{"word":"okay","start":1735.03,"end":1735.35,"confidence":0.9980469,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.17444662749767303},{"word":"we'll","start":1735.35,"end":1735.59,"confidence":0.9790039,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.16887031495571136},{"word":"touch","start":1735.59,"end":1735.91,"confidence":0.9863281,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.1291591078042984},{"word":"base","start":1735.91,"end":1736.15,"confidence":0.9980469,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.1466600000858307},{"word":"because","start":1736.15,"end":1736.39,"confidence":0.7993164,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.16438953578472135},{"word":"then","start":1736.39,"end":1736.55,"confidence":0.9873047,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1592201292514801},{"word":"we're","start":1736.55,"end":1736.71,"confidence":0.92871094,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.13227711617946625},{"word":"going","start":1736.71,"end":1736.95,"confidence":0.9248047,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.13201209902763367},{"word":"to","start":1736.95,"end":1737.03,"confidence":0.8886719,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1333916336297989},{"word":"new","start":1737.03,"end":1737.19,"confidence":0.99902344,"punctuated_word":"New","sentiment":"neutral","sentiment_score":0.09893718361854552},{"word":"zealand","start":1737.19,"end":1737.59,"confidence":0.76782227,"punctuated_word":"Zealand,","sentiment":"neutral","sentiment_score":0.1475590169429779},{"word":"so","start":1737.59,"end":1737.75,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1677558422088623},{"word":"we're","start":1737.75,"end":1737.99,"confidence":0.79907227,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.194072887301445},{"word":"a","start":1737.99,"end":1738.15,"confidence":0.62841797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17904305458068848},{"word":"good","start":1738.15,"end":1738.39,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.16806143522262573},{"word":"month","start":1738.39,"end":1738.63,"confidence":0.99609375,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.1944829672574997},{"word":"out","start":1738.63,"end":1738.995,"confidence":0.98950195,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.14430013298988342},{"word":"yeah","start":1740.675,"end":1741.175,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11897998303174973},{"word":"but","start":1742.195,"end":1742.515,"confidence":0.9921875,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.209354966878891},{"word":"yeah","start":1742.675,"end":1743.175,"confidence":0.9885254,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.2088893949985504},{"word":"oh","start":1743.675,"end":1744.175,"confidence":0.68518066,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.10916711390018465},{"word":"yeah","start":1744.675,"end":1745.175,"confidence":0.42565918,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07929724454879761},{"word":"yep","start":1749.315,"end":1749.715,"confidence":0.9230957,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06548072397708893},{"word":"it's","start":1749.715,"end":1750.215,"confidence":0.94799805,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.051058243960142136},{"word":"keriana","start":1750.515,"end":1751.015,"confidence":0.76676434,"punctuated_word":"Keriana,","sentiment":"neutral","sentiment_score":0.036004360765218735},{"word":"k","start":1751.155,"end":1751.635,"confidence":0.9980469,"punctuated_word":"k","sentiment":"neutral","sentiment_score":0.027066821232438087},{"word":"e","start":1751.635,"end":1752.035,"confidence":0.9970703,"punctuated_word":"e","sentiment":"neutral","sentiment_score":0.03392587974667549},{"word":"r","start":1752.035,"end":1752.195,"confidence":1.0,"punctuated_word":"r","sentiment":"neutral","sentiment_score":0.032021187245845795},{"word":"i","start":1752.195,"end":1752.695,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02440756931900978},{"word":"a","start":1753.83,"end":1754.07,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03014264442026615},{"word":"n","start":1754.07,"end":1754.39,"confidence":0.9980469,"punctuated_word":"n","sentiment":"neutral","sentiment_score":0.02543983981013298},{"word":"a","start":1754.39,"end":1754.89,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0267164446413517},{"word":"k","start":1756.47,"end":1756.63,"confidence":0.8276367,"punctuated_word":"k","sentiment":"neutral","sentiment_score":0.011411156505346298},{"word":"a","start":1756.63,"end":1756.87,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.014014489948749542},{"word":"w","start":1756.87,"end":1757.37,"confidence":0.5828247,"punctuated_word":"w,","sentiment":"neutral","sentiment_score":0.00942771602421999},{"word":"like","start":1758.95,"end":1759.45,"confidence":0.4979248,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.009882915765047072},{"word":"h","start":1759.99,"end":1760.39,"confidence":0.90771484,"punctuated_word":"h","sentiment":"neutral","sentiment_score":0.02002898044884205},{"word":"i","start":1760.39,"end":1760.63,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.015752442181110382},{"word":"a","start":1760.63,"end":1761.13,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01819409802556038},{"word":"at","start":1763.19,"end":1763.43,"confidence":0.8232422,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.017865391448140144},{"word":"gmail","start":1763.43,"end":1763.93,"confidence":0.81030273,"punctuated_word":"gmail","sentiment":"neutral","sentiment_score":0.03498463332653046},{"word":"dot","start":1763.99,"end":1764.23,"confidence":0.9980469,"punctuated_word":"dot","sentiment":"neutral","sentiment_score":0.04230431839823723},{"word":"com","start":1764.23,"end":1764.73,"confidence":0.9980469,"punctuated_word":"com.","sentiment":"neutral","sentiment_score":0.047657620161771774},{"word":"thank","start":1776.805,"end":1777.045,"confidence":0.984375,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6629856824874878},{"word":"you","start":1777.045,"end":1777.4451,"confidence":0.9890137,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4696276783943176},{"word":"and","start":1777.4451,"end":1777.605,"confidence":0.43652344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11029257625341415},{"word":"being","start":1777.605,"end":1777.845,"confidence":0.67529297,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.1084442287683487},{"word":"just","start":1778.005,"end":1778.245,"confidence":0.96875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10835838317871094},{"word":"going","start":1778.245,"end":1778.485,"confidence":0.92578125,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.1143682301044464},{"word":"for","start":1778.485,"end":1778.645,"confidence":0.69873047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12457851320505142},{"word":"your","start":1778.645,"end":1778.805,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06859233230352402},{"word":"document","start":1778.805,"end":1779.305,"confidence":0.71850586,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.06454923003911972},{"word":"where","start":1780.03,"end":1780.27,"confidence":0.8598633,"punctuated_word":"Where","sentiment":"neutral","sentiment_score":0.03576295077800751},{"word":"is","start":1780.27,"end":1780.51,"confidence":0.7993164,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04435423761606216},{"word":"the","start":1780.51,"end":1780.75,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06180918216705322},{"word":"date","start":1780.75,"end":1781.07,"confidence":0.9941406,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.0682787373661995},{"word":"for","start":1781.07,"end":1781.39,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.054232604801654816},{"word":"the","start":1781.39,"end":1781.55,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.053637903183698654},{"word":"contributions","start":1781.55,"end":1782.05,"confidence":0.9160156,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.07447919249534607},{"word":"to","start":1782.35,"end":1782.51,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04812885448336601},{"word":"come","start":1782.51,"end":1782.83,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.06980018317699432},{"word":"out","start":1782.83,"end":1783.33,"confidence":0.99316406,"punctuated_word":"out?","sentiment":"neutral","sentiment_score":0.08220715820789337},{"word":"is","start":1783.87,"end":1784.03,"confidence":0.9902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.040224574506282806},{"word":"that","start":1784.03,"end":1784.27,"confidence":0.5683594,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07682521641254425},{"word":"on","start":1784.27,"end":1784.35,"confidence":0.98828125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05520584434270859},{"word":"the","start":1784.35,"end":1784.51,"confidence":0.9448242,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06240072473883629},{"word":"next","start":1784.51,"end":1784.83,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.04409032687544823},{"word":"page","start":1784.83,"end":1785.33,"confidence":0.99902344,"punctuated_word":"page?","sentiment":"neutral","sentiment_score":0.06983958184719086},{"word":"yes","start":1791.15,"end":1791.65,"confidence":0.6949463,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.061336033046245575},{"word":"okay","start":1799.965,"end":1800.465,"confidence":0.9758301,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10063055902719498},{"word":"yes","start":1805.725,"end":1806.06,"confidence":0.9782715,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2274187207221985},{"word":"yeah","start":1825.865,"end":1826.105,"confidence":0.64904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05984766036272049},{"word":"i'll","start":1826.105,"end":1826.1849,"confidence":0.3381958,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05726908892393112},{"word":"be","start":1826.1849,"end":1826.4249,"confidence":0.7397461,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05691705644130707},{"word":"pay","start":1826.4249,"end":1826.9249,"confidence":0.5467529,"punctuated_word":"pay.","sentiment":"neutral","sentiment_score":0.037603333592414856},{"word":"sorry","start":1827.625,"end":1828.025,"confidence":0.9194336,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.026281002908945084},{"word":"one","start":1828.025,"end":1828.265,"confidence":0.9980469,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.036856599152088165},{"word":"last","start":1828.265,"end":1828.4249,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.03395736590027809},{"word":"thing","start":1828.4249,"end":1828.745,"confidence":0.9238281,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.03935851901769638},{"word":"we're","start":1828.745,"end":1829.145,"confidence":0.9609375,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.12471449375152588},{"word":"also","start":1829.145,"end":1829.625,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.15343789756298065},{"word":"not","start":1829.625,"end":1829.865,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.16586554050445557},{"word":"claiming","start":1829.865,"end":1830.365,"confidence":0.99902344,"punctuated_word":"claiming","sentiment":"neutral","sentiment_score":-0.18952444195747375},{"word":"the","start":1830.4249,"end":1830.585,"confidence":0.95166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18885603547096252},{"word":"tax","start":1830.585,"end":1831.02,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.1748502552509308},{"word":"free","start":1831.26,"end":1831.76,"confidence":0.9838867,"punctuated_word":"free","sentiment":"neutral","sentiment_score":-0.13018912076950073},{"word":"threshold","start":1832.22,"end":1832.72,"confidence":0.9367676,"punctuated_word":"threshold.","sentiment":"neutral","sentiment_score":-0.1750228852033615},{"word":"that's","start":1832.86,"end":1833.18,"confidence":0.9941406,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.10089712589979172},{"word":"not","start":1833.18,"end":1833.34,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10739897191524506},{"word":"an","start":1833.34,"end":1833.5801,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.1129068359732628},{"word":"issue","start":1833.5801,"end":1833.98,"confidence":1.0,"punctuated_word":"issue","sentiment":"neutral","sentiment_score":-0.13099075853824615},{"word":"with","start":1833.98,"end":1834.38,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.11844927072525024},{"word":"what","start":1834.38,"end":1834.7001,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.09794096648693083},{"word":"he's","start":1834.7001,"end":1834.9401,"confidence":0.99853516,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.06028735637664795},{"word":"about","start":1834.9401,"end":1835.26,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.07279407232999802},{"word":"to","start":1835.26,"end":1835.42,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06783674657344818},{"word":"sign","start":1835.42,"end":1835.66,"confidence":0.99902344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.04803075268864632},{"word":"up","start":1835.66,"end":1835.9,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.024897541850805283},{"word":"for","start":1835.9,"end":1836.4,"confidence":0.76342773,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":-0.09625981748104095},{"word":"because","start":1841.18,"end":1841.42,"confidence":0.9394531,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.1938551962375641},{"word":"we","start":1841.42,"end":1841.66,"confidence":0.98828125,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2167702615261078},{"word":"thought","start":1841.66,"end":1841.98,"confidence":0.9941406,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.2039618194103241},{"word":"that","start":1841.98,"end":1842.48,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.176737979054451},{"word":"and","start":1843.5,"end":1843.66,"confidence":0.9350586,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17360615730285645},{"word":"we","start":1843.66,"end":1843.9,"confidence":0.97802734,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1882048398256302},{"word":"have","start":1843.9,"end":1844.06,"confidence":0.7973633,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.214858740568161},{"word":"a","start":1844.06,"end":1844.22,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1740395724773407},{"word":"little","start":1844.22,"end":1844.72,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.1612464040517807},{"word":"pot","start":1845.395,"end":1845.635,"confidence":0.59033203,"punctuated_word":"pot","sentiment":"neutral","sentiment_score":-0.1437048316001892},{"word":"at","start":1845.635,"end":1845.875,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.19142763316631317},{"word":"the","start":1845.875,"end":1845.955,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13976947963237762},{"word":"end","start":1845.955,"end":1846.2749,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.12746751308441162},{"word":"of","start":1846.2749,"end":1846.595,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1306448131799698},{"word":"the","start":1846.595,"end":1846.755,"confidence":0.6503906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1077907383441925},{"word":"financial","start":1846.755,"end":1847.235,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.13372927904129028},{"word":"year","start":1847.235,"end":1847.735,"confidence":0.99658203,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.14084631204605105},{"word":"i","start":1848.2749,"end":1848.355,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16989970207214355},{"word":"don't","start":1848.355,"end":1848.595,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13318336009979248},{"word":"know","start":1848.595,"end":1849.095,"confidence":0.9970703,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.1622881293296814},{"word":"yeah","start":1850.0349,"end":1850.5349,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00952221266925335},{"word":"yeah","start":1862.61,"end":1863.11,"confidence":0.8774414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00402030348777771},{"word":"do","start":1863.97,"end":1864.0499,"confidence":0.9506836,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.0409342460334301},{"word":"you","start":1864.0499,"end":1864.21,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03006216138601303},{"word":"know","start":1864.21,"end":1864.37,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.03140515089035034},{"word":"are","start":1864.61,"end":1864.77,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.03638900816440582},{"word":"you","start":1864.77,"end":1864.9299,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.017661646008491516},{"word":"able","start":1864.9299,"end":1865.25,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.01370236650109291},{"word":"to","start":1865.25,"end":1865.41,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.028045963495969772},{"word":"calculate","start":1865.41,"end":1865.89,"confidence":1.0,"punctuated_word":"calculate","sentiment":"neutral","sentiment_score":-0.03784535452723503},{"word":"what","start":1865.89,"end":1866.13,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.044441595673561096},{"word":"that","start":1866.13,"end":1866.37,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03877995163202286},{"word":"might","start":1866.37,"end":1866.61,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.06186520680785179},{"word":"look","start":1866.61,"end":1866.85,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.04875580966472626},{"word":"like","start":1866.85,"end":1867.1699,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.06381674855947495},{"word":"or","start":1867.1699,"end":1867.49,"confidence":0.48388672,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.062242746353149414},{"word":"you're","start":1867.49,"end":1867.65,"confidence":0.9658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.07776954770088196},{"word":"not","start":1867.65,"end":1867.89,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.061480700969696045},{"word":"really","start":1867.89,"end":1868.13,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.06925486028194427},{"word":"sure","start":1868.13,"end":1868.2899,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.07971466332674026},{"word":"because","start":1868.2899,"end":1868.53,"confidence":0.52197266,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.058258287608623505},{"word":"it","start":1868.53,"end":1868.69,"confidence":0.9277344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04683707654476166},{"word":"depends","start":1868.69,"end":1869.09,"confidence":0.99902344,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":-0.02209272608160973},{"word":"on","start":1869.09,"end":1869.33,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04020000994205475},{"word":"what","start":1869.33,"end":1869.57,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06113097071647644},{"word":"we","start":1869.57,"end":1869.73,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03407927602529526},{"word":"make","start":1869.73,"end":1869.97,"confidence":0.83496094,"punctuated_word":"make,","sentiment":"neutral","sentiment_score":-0.04408934712409973},{"word":"obviously","start":1869.97,"end":1870.47,"confidence":0.7277832,"punctuated_word":"obviously?","sentiment":"neutral","sentiment_score":-0.02868621051311493},{"word":"or","start":1871.745,"end":1872.0651,"confidence":0.9326172,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.02444046176970005},{"word":"rough","start":1872.0651,"end":1872.305,"confidence":0.5751953,"punctuated_word":"rough","sentiment":"neutral","sentiment_score":-0.04178458824753761},{"word":"idea","start":1872.305,"end":1872.805,"confidence":0.81274414,"punctuated_word":"idea?","sentiment":"neutral","sentiment_score":-0.024572083726525307},{"word":"okay","start":1875.745,"end":1876.225,"confidence":0.99316406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.01424661185592413},{"word":"because","start":1876.225,"end":1876.385,"confidence":0.98828125,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.09172786772251128},{"word":"then","start":1876.385,"end":1876.625,"confidence":0.98828125,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11396066099405287},{"word":"we","start":1876.625,"end":1876.785,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15155203640460968},{"word":"add","start":1876.785,"end":1877.025,"confidence":0.99902344,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.1675359457731247},{"word":"that","start":1877.025,"end":1877.265,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16711466014385223},{"word":"to","start":1877.265,"end":1877.425,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11050362139940262},{"word":"the","start":1877.425,"end":1877.925,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17893104255199432},{"word":"4.5","start":1878.305,"end":1879.285,"confidence":0.993042,"punctuated_word":"4.5","sentiment":"neutral","sentiment_score":0.19748011231422424},{"word":"that","start":1880.145,"end":1880.645,"confidence":0.5419922,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1974516659975052},{"word":"that","start":1882.0651,"end":1882.305,"confidence":0.49560547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22769469022750857},{"word":"we","start":1882.305,"end":1882.4651,"confidence":0.9921875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2436976432800293},{"word":"will","start":1882.4651,"end":1882.7051,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2377214878797531},{"word":"get","start":1882.7051,"end":1882.865,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2569056749343872},{"word":"from","start":1882.865,"end":1883.185,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2680480480194092},{"word":"him","start":1883.185,"end":1883.3451,"confidence":0.99121094,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.29864004254341125},{"word":"making","start":1883.3451,"end":1883.665,"confidence":0.9892578,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.27796635031700134},{"word":"those","start":1883.665,"end":1883.8251,"confidence":0.6821289,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2887009084224701},{"word":"extra","start":1883.8251,"end":1884.225,"confidence":0.99609375,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.2136426568031311},{"word":"contributions","start":1884.225,"end":1884.725,"confidence":0.98950195,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.20507071912288663},{"word":"yeah","start":1886.95,"end":1887.45,"confidence":0.96313477,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05507456883788109},{"word":"okay","start":1888.07,"end":1888.57,"confidence":0.85546875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.022177549079060555},{"word":"i","start":1888.71,"end":1888.79,"confidence":0.31225586,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.021305453032255173},{"word":"have","start":1888.79,"end":1888.95,"confidence":0.40771484,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02881529927253723},{"word":"one","start":1888.95,"end":1889.19,"confidence":0.984375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.024678189307451248},{"word":"more","start":1889.19,"end":1889.35,"confidence":0.9921875,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.02507526613771915},{"word":"question","start":1889.35,"end":1889.75,"confidence":0.9682617,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":-0.022119205445051193},{"word":"i","start":1889.75,"end":1889.91,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12616638839244845},{"word":"was","start":1889.91,"end":1890.15,"confidence":0.59033203,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.16586153209209442},{"word":"struggling","start":1890.15,"end":1890.65,"confidence":0.91259766,"punctuated_word":"struggling","sentiment":"neutral","sentiment_score":-0.10614711791276932},{"word":"i'm","start":1890.95,"end":1891.19,"confidence":0.80126953,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.12897174060344696},{"word":"struggling","start":1891.19,"end":1891.67,"confidence":0.99902344,"punctuated_word":"struggling","sentiment":"neutral","sentiment_score":-0.11935547739267348},{"word":"to","start":1891.67,"end":1891.91,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0224657841026783},{"word":"sign","start":1891.91,"end":1892.41,"confidence":0.9489746,"punctuated_word":"sign.","sentiment":"neutral","sentiment_score":-0.00985296443104744},{"word":"i'm","start":1892.79,"end":1892.95,"confidence":0.8979492,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.002120035467669368},{"word":"on","start":1892.95,"end":1893.11,"confidence":0.9921875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0025519393384456635},{"word":"this","start":1893.11,"end":1893.35,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.00764891505241394},{"word":"document","start":1893.35,"end":1893.83,"confidence":0.99902344,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.006671208888292313},{"word":"and","start":1893.83,"end":1894.07,"confidence":0.53271484,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.011676562950015068},{"word":"i","start":1894.07,"end":1894.3099,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.002896483987569809},{"word":"signed","start":1894.3099,"end":1894.8099,"confidence":0.5662842,"punctuated_word":"signed,","sentiment":"neutral","sentiment_score":-0.0019037341699004171},{"word":"and","start":1895.27,"end":1895.35,"confidence":0.6303711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.008505769073963165},{"word":"then","start":1895.35,"end":1895.59,"confidence":0.99316406,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.004192261025309563},{"word":"it","start":1895.59,"end":1895.75,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.015284404158592224},{"word":"says","start":1895.75,"end":1896.15,"confidence":0.9892578,"punctuated_word":"says","sentiment":"neutral","sentiment_score":-0.010567616671323776},{"word":"multi","start":1896.15,"end":1896.65,"confidence":0.9526367,"punctuated_word":"multi","sentiment":"neutral","sentiment_score":-0.010886969044804571},{"word":"multi","start":1896.95,"end":1897.45,"confidence":0.94140625,"punctuated_word":"multi","sentiment":"neutral","sentiment_score":-0.010561516508460045},{"word":"something","start":1897.75,"end":1898.25,"confidence":0.8395996,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":-0.02047841250896454},{"word":"alright","start":1929.4149,"end":1929.9149,"confidence":0.8601074,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.2016834318637848},{"word":"i","start":1929.975,"end":1930.215,"confidence":0.94921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19776207208633423},{"word":"think","start":1930.215,"end":1930.615,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.2076385468244553},{"word":"we","start":1930.615,"end":1930.7749,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23308393359184265},{"word":"shall","start":1930.7749,"end":1931.095,"confidence":0.9980469,"punctuated_word":"shall","sentiment":"neutral","sentiment_score":0.2763061225414276},{"word":"try","start":1931.095,"end":1931.255,"confidence":0.9970703,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.26147377490997314},{"word":"and","start":1931.255,"end":1931.4149,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25353869795799255},{"word":"let","start":1931.4149,"end":1931.575,"confidence":0.9873047,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2264217585325241},{"word":"you","start":1931.575,"end":1931.735,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21099497377872467},{"word":"go","start":1931.735,"end":1931.975,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2410709261894226},{"word":"now","start":1931.975,"end":1932.475,"confidence":0.9946289,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.20872868597507477},{"word":"yes","start":1932.7749,"end":1933.015,"confidence":0.87231445,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.10230188071727753},{"word":"sir","start":1933.015,"end":1933.515,"confidence":0.954834,"punctuated_word":"sir.","sentiment":"neutral","sentiment_score":0.1648043841123581},{"word":"thanks","start":1934.695,"end":1935.195,"confidence":0.8925781,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.5665950775146484},{"word":"for","start":1935.255,"end":1935.4149,"confidence":0.9790039,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6543598175048828},{"word":"your","start":1935.4149,"end":1935.575,"confidence":0.9951172,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.610987663269043},{"word":"help","start":1935.575,"end":1936.075,"confidence":0.9926758,"punctuated_word":"help.","sentiment":"positive","sentiment_score":0.6129993796348572},{"word":"yeah","start":1940.63,"end":1941.11,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1375284492969513},{"word":"i","start":1941.11,"end":1941.51,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14360789954662323},{"word":"i","start":1941.51,"end":1941.59,"confidence":0.44921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17259038984775543},{"word":"just","start":1941.59,"end":1941.83,"confidence":0.94189453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17857609689235687},{"word":"signed","start":1941.83,"end":1942.15,"confidence":0.99609375,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.15056711435317993},{"word":"it","start":1942.15,"end":1942.39,"confidence":0.7269287,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.1981430947780609},{"word":"so","start":1942.39,"end":1942.71,"confidence":0.99316406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14515583217144012},{"word":"you'll","start":1942.71,"end":1943.11,"confidence":0.9921875,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.16711066663265228},{"word":"send","start":1943.11,"end":1943.35,"confidence":0.98828125,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.14722424745559692},{"word":"me","start":1943.35,"end":1943.59,"confidence":0.9970703,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1455753892660141},{"word":"through","start":1943.59,"end":1943.9099,"confidence":0.9941406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.16330468654632568},{"word":"a","start":1943.9099,"end":1944.07,"confidence":0.96533203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15811613202095032},{"word":"form","start":1944.07,"end":1944.39,"confidence":1.0,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.1613837480545044},{"word":"to","start":1944.39,"end":1944.89,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.160808727145195},{"word":"for","start":1945.59,"end":1945.83,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15525387227535248},{"word":"the","start":1945.83,"end":1945.99,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13406628370285034},{"word":"bank","start":1945.99,"end":1946.49,"confidence":0.99609375,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.19309550523757937},{"word":"stuff","start":1946.7899,"end":1947.03,"confidence":0.9589844,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.1914052665233612},{"word":"to","start":1947.03,"end":1947.19,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16896769404411316},{"word":"come","start":1947.19,"end":1947.4299,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.17668220400810242},{"word":"out","start":1947.4299,"end":1947.6699,"confidence":0.9499512,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.13276834785938263},{"word":"correct","start":1947.6699,"end":1948.1699,"confidence":0.99902344,"punctuated_word":"Correct?","sentiment":"neutral","sentiment_score":0.1074969470500946},{"word":"okay","start":1954.405,"end":1954.905,"confidence":0.875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10818074643611908},{"word":"okay","start":1954.965,"end":1955.465,"confidence":0.6750488,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04912390187382698},{"word":"can","start":1955.605,"end":1955.845,"confidence":0.9790039,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.02240659296512604},{"word":"it","start":1955.845,"end":1955.9249,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03354334086179733},{"word":"be","start":1955.9249,"end":1956.4249,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.025593705475330353},{"word":"on","start":1956.645,"end":1956.965,"confidence":0.9350586,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02657124027609825},{"word":"a","start":1956.965,"end":1957.125,"confidence":0.5498047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03310809284448624},{"word":"computer","start":1957.125,"end":1957.625,"confidence":0.8613281,"punctuated_word":"computer?","sentiment":"neutral","sentiment_score":0.03144475072622299},{"word":"because","start":1957.6849,"end":1958.005,"confidence":0.9941406,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.02041218802332878},{"word":"i'm","start":1958.005,"end":1958.165,"confidence":0.9951172,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02379242144525051},{"word":"back","start":1958.165,"end":1958.405,"confidence":0.9951172,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.011951643973588943},{"word":"at","start":1958.405,"end":1958.565,"confidence":0.9301758,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.058197587728500366},{"word":"camp","start":1958.565,"end":1958.8049,"confidence":0.7368164,"punctuated_word":"camp,","sentiment":"neutral","sentiment_score":-0.039714228361845016},{"word":"so","start":1958.8049,"end":1958.965,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.03429033234715462},{"word":"i","start":1958.965,"end":1959.045,"confidence":0.9589844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.040088605135679245},{"word":"don't","start":1959.045,"end":1959.205,"confidence":0.9914551,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03535665571689606},{"word":"have","start":1959.205,"end":1959.445,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.027116864919662476},{"word":"access","start":1959.445,"end":1959.845,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.04761606454849243},{"word":"to","start":1959.845,"end":1960.165,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04892875999212265},{"word":"a","start":1960.165,"end":1960.405,"confidence":0.85253906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03428037464618683},{"word":"printer","start":1960.405,"end":1960.8049,"confidence":0.9921875,"punctuated_word":"printer","sentiment":"neutral","sentiment_score":-0.03199777379631996},{"word":"and","start":1960.8049,"end":1961.045,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04745698347687721},{"word":"stuff","start":1961.045,"end":1961.285,"confidence":0.99902344,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.06113894656300545},{"word":"like","start":1961.285,"end":1961.525,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.041652195155620575},{"word":"that","start":1961.525,"end":1961.73,"confidence":0.99121094,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07919997721910477},{"word":"it'll","start":1970.61,"end":1970.85,"confidence":0.90722656,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.03971075266599655},{"word":"be","start":1970.85,"end":1971.35,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.034639619290828705},{"word":"a","start":1971.49,"end":1971.73,"confidence":0.64501953,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0328858345746994},{"word":"thursday","start":1971.73,"end":1972.23,"confidence":0.9873047,"punctuated_word":"Thursday.","sentiment":"neutral","sentiment_score":0.0239938385784626},{"word":"so","start":1972.53,"end":1972.69,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.033091459423303604},{"word":"it'll","start":1972.69,"end":1972.85,"confidence":0.7766113,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.04632923752069473},{"word":"be","start":1972.85,"end":1973.09,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03805109113454819},{"word":"next","start":1973.09,"end":1973.41,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.03518451750278473},{"word":"thursday","start":1973.41,"end":1973.91,"confidence":1.0,"punctuated_word":"Thursday","sentiment":"neutral","sentiment_score":0.020128758624196053},{"word":"for","start":1974.345,"end":1974.505,"confidence":0.93847656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03699339926242829},{"word":"this","start":1974.505,"end":1974.905,"confidence":0.7890625,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.037824325263500214},{"word":"saturday","start":1974.905,"end":1975.3049,"confidence":0.35986328,"punctuated_word":"Saturday","sentiment":"neutral","sentiment_score":0.0354372002184391},{"word":"day","start":1975.3049,"end":1975.8049,"confidence":0.78466797,"punctuated_word":"day?","sentiment":"neutral","sentiment_score":0.03215930983424187},{"word":"yeah","start":1976.745,"end":1977.065,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014351464807987211},{"word":"not","start":1977.065,"end":1977.3049,"confidence":0.9980469,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.01963704451918602},{"word":"the","start":1977.3049,"end":1977.5449,"confidence":0.49853516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0027334578335285187},{"word":"thursday","start":1977.5449,"end":1978.0449,"confidence":0.7373047,"punctuated_word":"Thursday,","sentiment":"neutral","sentiment_score":-0.018943358212709427},{"word":"the","start":1978.105,"end":1978.345,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02137799002230167},{"word":"following","start":1978.345,"end":1978.845,"confidence":0.9946289,"punctuated_word":"following.","sentiment":"neutral","sentiment_score":-0.02747107297182083},{"word":"yeah","start":1979.065,"end":1979.385,"confidence":0.9753418,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03120702318847179},{"word":"following","start":1979.385,"end":1979.785,"confidence":0.9206543,"punctuated_word":"Following.","sentiment":"neutral","sentiment_score":0.02427816018462181},{"word":"so","start":1979.785,"end":1980.025,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.027521399781107903},{"word":"thursday","start":1980.025,"end":1980.505,"confidence":0.65771484,"punctuated_word":"Thursday,","sentiment":"neutral","sentiment_score":0.034525901079177856},{"word":"the","start":1980.505,"end":1980.745,"confidence":0.91748047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030514046549797055},{"word":"the","start":1981.465,"end":1981.625,"confidence":0.97265625,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.03273995965719223},{"word":"eighth","start":1981.625,"end":1981.945,"confidence":0.9223633,"punctuated_word":"eighth.","sentiment":"neutral","sentiment_score":0.043089061975479126},{"word":"yep","start":1981.945,"end":1982.345,"confidence":0.94262695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0939790904521942},{"word":"that's","start":1982.345,"end":1982.665,"confidence":0.97387695,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1301390528678894},{"word":"correct","start":1982.665,"end":1983.165,"confidence":0.9890137,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.15203842520713806},{"word":"and","start":1984.505,"end":1984.745,"confidence":0.95947266,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07337334007024765},{"word":"every","start":1984.745,"end":1985.065,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.07045456022024155},{"word":"fortnight","start":1985.065,"end":1985.565,"confidence":0.9970703,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.06412824988365173},{"word":"from","start":1985.785,"end":1986.105,"confidence":0.99316406,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.058715999126434326},{"word":"then","start":1986.105,"end":1986.585,"confidence":0.7590332,"punctuated_word":"then?","sentiment":"neutral","sentiment_score":0.07369262725114822},{"word":"yeah","start":1986.585,"end":1986.78,"confidence":0.75512695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03562856838107109},{"word":"cool","start":1991.42,"end":1991.66,"confidence":0.95581055,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.5876096487045288},{"word":"so","start":1991.66,"end":1991.8201,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.27032241225242615},{"word":"you'll","start":1991.8201,"end":1992.06,"confidence":0.98291016,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.1440727561712265},{"word":"be","start":1992.06,"end":1992.14,"confidence":0.98291016,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16377301514148712},{"word":"able","start":1992.14,"end":1992.3,"confidence":0.9951172,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.17714513838291168},{"word":"to","start":1992.3,"end":1992.38,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.251922070980072},{"word":"send","start":1992.38,"end":1992.62,"confidence":0.8852539,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.23586484789848328},{"word":"through","start":1992.62,"end":1993.02,"confidence":0.96972656,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.3261895477771759},{"word":"our","start":1993.02,"end":1993.52,"confidence":0.91748047,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.34850049018859863},{"word":"levy","start":1995.74,"end":1996.24,"confidence":0.90234375,"punctuated_word":"levy","sentiment":"neutral","sentiment_score":0.2123866081237793},{"word":"figures","start":1996.86,"end":1997.36,"confidence":0.9902344,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":0.22393131256103516},{"word":"and","start":1997.5801,"end":1998.0801,"confidence":0.9667969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10260086506605148},{"word":"our","start":1999.3401,"end":1999.5801,"confidence":0.96533203,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1864535361528397},{"word":"potential","start":1999.5801,"end":2000.0801,"confidence":1.0,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":0.15704956650733948},{"word":"return","start":2001.7949,"end":2002.2949,"confidence":0.9291992,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.13964179158210754},{"word":"yeah","start":2002.995,"end":2003.315,"confidence":0.99609375,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1436946988105774},{"word":"with","start":2003.315,"end":2003.815,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22987838089466095},{"word":"tax","start":2004.0349,"end":2004.355,"confidence":0.8935547,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.2155013084411621},{"word":"free","start":2004.355,"end":2004.595,"confidence":0.7285156,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.23441645503044128},{"word":"threshold","start":2004.595,"end":2005.095,"confidence":0.9135742,"punctuated_word":"threshold","sentiment":"neutral","sentiment_score":0.25610119104385376},{"word":"and","start":2005.235,"end":2005.475,"confidence":0.9580078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19606555998325348},{"word":"all","start":2005.475,"end":2005.635,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.19431427121162417},{"word":"of","start":2005.635,"end":2005.7949,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19324550032615664},{"word":"that","start":2005.7949,"end":2006.2949,"confidence":0.7753906,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1682499349117279},{"word":"yeah","start":2006.515,"end":2007.015,"confidence":0.66748047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2560427188873291},{"word":"thank","start":2007.955,"end":2008.195,"confidence":0.9560547,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7127172350883484},{"word":"you","start":2008.195,"end":2008.515,"confidence":0.99609375,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6131511926651001},{"word":"i","start":2008.515,"end":2008.595,"confidence":0.42944336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09485583752393724},{"word":"need","start":2008.595,"end":2008.9149,"confidence":0.75341797,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.08874259889125824},{"word":"to","start":2008.9149,"end":2008.995,"confidence":0.61376953,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1412641406059265},{"word":"have","start":2008.995,"end":2009.155,"confidence":0.6245117,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.204839825630188},{"word":"someone","start":2009.155,"end":2009.5549,"confidence":0.12719727,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.120417520403862},{"word":"in","start":2009.5549,"end":2009.635,"confidence":0.22998047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06333675980567932},{"word":"between","start":2009.635,"end":2010.115,"confidence":0.8730469,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.02808460593223572},{"word":"even","start":2010.115,"end":2010.355,"confidence":0.5942383,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.09205427765846252},{"word":"calls","start":2010.355,"end":2010.595,"confidence":0.33129883,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.04245993494987488},{"word":"from","start":2010.595,"end":2010.9149,"confidence":0.91503906,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.023404330015182495},{"word":"new","start":2010.9149,"end":2010.995,"confidence":0.42529297,"punctuated_word":"New","sentiment":"neutral","sentiment_score":-0.03285518288612366},{"word":"zealand","start":2010.995,"end":2011.315,"confidence":0.64904785,"punctuated_word":"Zealand,","sentiment":"neutral","sentiment_score":0.12200529128313065},{"word":"and","start":2011.315,"end":2011.5549,"confidence":0.69677734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18910574913024905},{"word":"we'll","start":2011.5549,"end":2011.715,"confidence":0.79663086,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2514960765838623},{"word":"share","start":2011.715,"end":2011.835,"confidence":0.35791016,"punctuated_word":"share","sentiment":"positive","sentiment_score":0.4623560607433319},{"word":"it","start":2011.835,"end":2011.955,"confidence":0.76953125,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.35678407549858093},{"word":"with","start":2011.955,"end":2011.9949,"confidence":0.30859375,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.33448198437690735},{"word":"you","start":2011.9949,"end":2012.0349,"confidence":0.7338867,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2254287302494049},{"word":"that's","start":2012.0349,"end":2012.275,"confidence":0.6989746,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.31213629245758057},{"word":"fine","start":2012.275,"end":2012.775,"confidence":0.9802246,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2406756579875946},{"word":"alright","start":2013.235,"end":2013.475,"confidence":0.8222656,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.39907050132751465},{"word":"thank","start":2013.475,"end":2013.715,"confidence":0.9970703,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.744213879108429},{"word":"you","start":2013.715,"end":2013.955,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7966288328170776},{"word":"very","start":2013.955,"end":2014.195,"confidence":0.79541016,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.7946138381958008},{"word":"much","start":2014.195,"end":2014.355,"confidence":0.97753906,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.762554943561554},{"word":"thanks","start":2014.355,"end":2014.6749,"confidence":0.857666,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.7609609961509705},{"word":"laura","start":2014.6749,"end":2015.1749,"confidence":0.5784912,"punctuated_word":"Laura.","sentiment":"positive","sentiment_score":0.6895956993103027},{"word":"you","start":2017.6609,"end":2018.0609,"confidence":0.88183594,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5455668568611145},{"word":"too","start":2018.0609,"end":2018.3009,"confidence":0.99609375,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.5253742337226868},{"word":"see","start":2018.3009,"end":2018.4609,"confidence":0.9921875,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.5320882201194763},{"word":"you","start":2018.4609,"end":2018.9609,"confidence":0.9494629,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4987335205078125},{"word":"bye","start":2019.0209,"end":2019.5209,"confidence":0.78686523,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.23083746433258057}],"paragraphs":{"transcript":"\nSo what are your questions here? Good. And yourself? I got my wife here and she got some questions. Her name is Kiriana.\n\nSo I got you on speaker phone. Hi. Good. Thanks. I just wanted to know if you can walk me through your advice about doing contributions.\n\nI just wanted to understand it a bit better. That's all. Yeah. I haven't actually had time to read what you've sent through. But so is this different to doing extra contributions through we just basically wanna better don't wanna get smashed by tax, but also we'll have more money in in super at the same time, I would think.\n\nSo is this the be is this the best way to go about that? Or Okay. So did you say those contributions are coming out once we've already been taxed? Yeah. But but the other way the original way I was thinking is to pay a pretax amount to Super to bring to bring our tax bracket down.\n\nBut at the end of the financial year, we don't get a return. It just stays there. So which which which way is better? I see. I don't understand how it brings down our tax bracket if you're paying into your super after you've already been taxed.\n\nYeah. Yep. Yeah. I get that. Yep.\n\nSo it is it is it is sent to the super before texting if that's what you're saying. Yeah. Yeah. Yeah. Yep.\n\nMhmm. Yes. I see. You'll just get a payment at the end of the year and a lump sum as opposed to getting the discount, like, a lot less rates every fortnight. Okay.\n\nI get that. I think I'd prefer the other way because it's a bit of a hit. But what yeah. What's the benefit of doing it the way you're saying? Because you're getting that compound?\n\nI see. Yes. Yes. If we do it your way, we get a lump sum at the end of the year. If we do it the way I initially thought, it'll just be a less money coming out of fortnight.\n\nOkay. Less money coming out of fortnight, but also more money in super. Is that not because we're gonna end up taking it out at the end of the year if we go your way. Is that correct? Or no.\n\nThere's still that extra money there. We're just getting the interest the the taxable bit back. Yeah. But our but our extra contributions are still staying in super. Yeah.\n\nWhat we're getting back is not part of the contribution. It's just the tech stuff side of it. Oh, I see. See. Yep.\n\nI get it. So how much did you say he would get back of that 10,000, so to speak? 4,056. 4,056. Okay.\n\nAnd is that the maximum amount we can put through a fortnight? He can. Sorry. I know you got it open. Yes.\n\nReached the consistent old cap. Mhmm. Oh, yep. Yes. Yes.\n\nI see what you're doing here. Still within that. Yeah. And how much does he get back if he does 500 a fortnight? What's the end result?\n\nSo do we have that here? Just trying to see on your paperwork. I can't really see. Okay. That's not much more than the 400 contribution.\n\nWas it around the same? That 400 dollars something. Oh, yeah. I see. Yeah.\n\nYou know? Yep. Yep. What is there another tax bracket above that one? That's the the $19.02?\n\nK. Because we're gonna be doing overtime. So we're gonna I'm pretty sure we're gonna go over the $1.90 with us doing overtime. So does that change anything apart from the tax rate, obviously? Yeah.\n\nI see. Yeah. Okay. What are what are these cost here? Fee comparison.\n\nDate. A half that's for day job. I got it a super year. That's for Eight month fee. Oh, so it's a thousand annually.\n\nIs it? Thousand and 34. Is that what that means? Oh, no. Total sorry.\n\nWhat page are we on, Casper? We're on page 13. 13. Of what you sent through. Okay.\n\nSo what so what are what is he paying you to do all this? What's the fee for your guys' contributions? Annually. Annually. K.\n\nOh, yeah. Yep. Yeah. Okay. Can I ask something, Melissa?\n\nI just saw in the document that you don't the same as the beneficiary one. I see you only have my first name on there, not my second name. Is that gonna be alright? You got given name, Casper. Family name is Farandesh.\n\nMy middle name is not on on there. You don't need to. I'm just asking. Okay. Mhmm.\n\nI just I just added in my last name. My middle name's on the beneficiary paperwork I got, which I need to send off. So yeah. Yeah. Cool.\n\nAlright. Sorry. I did have a question. I was just gone. Is your guys fee is it a set price or does it obviously, it probably changes annually with everything else that changes in the world?\n\nYeah. And how much did it go up from the last, like, you know, the last price cost rise, how much difference was that? K. Yeah. But if if if his if his super is not doing well, you guys are still getting your your pay like, you know, your your fee isn't dropping with the super that's potential like, just say his super balance dropped.\n\nYour guys' fee is not dropping. It's staying the same. Is that correct? Has his account dropped at all since he's been with you guys? Has his but in in the bigger picture, annually, has it ever dropped globally over the year?\n\nLike, as a whole. Yeah. That's what my dear. So it has recovered. Recovered and and gained or just recovered and hit the, like, plateau sort of thing?\n\nYou know what I mean? Two months. Right. Yeah. Okay.\n\nOkay. Thank you. I don't I'm not a part of what he's my super isn't going through that. In in fact, I'm quite blind with what my super is doing, so I'm just wondering whether I need to sign up so that it's been over overseen. You know what I mean?\n\nBecause at the moment, just doing whatever it's doing. Yeah. Yep. Yeah. Yep.\n\nYep. So what are you guys what what is your not status, but what's what are you guys, like, financial advisers? What are you? Okay. Yeah.\n\nOkay. What about what about health insurance? Do you know much about health insurance? Yeah. I see.\n\nYeah. We're just thinking I mean, we we paid health insurance for another long, and we don't we haven't we don't use a lot of what we signed up for, and I'm just I know some people that don't have health insurance, and it's all good, but I don't know how to fix your tax at the end of the year. Do you know? Yeah. Yeah.\n\nYeah. Yeah. Because, I mean, I've I've had a lot of health things appointments, and my health fund doesn't doesn't cover a lot of them, what I had done, but Medicare did. So what's the point in having it if Medicare is gonna help me out? You know what I mean?\n\nSo, yeah, I just wondered yeah. I just wondered if what's the pros and cons of having or not having Health Fund and just. But I know it's got something to do with the tax at the end of the year. You might pay a little more. You might your refund might not be as as good or yeah.\n\nI'm not too sure, to be honest. I just thought you might know. Okay. It's 2% of your income. I see.\n\nYes. Yeah. So you need to you need to calculate what your levy is worth and put it up against what you're paying annually for your health insurance and see which one's better off, basically. Yep. Yep.\n\nYeah. That'll be great. Oh, that one's me. The same as Casper. What did you work yours out on WorkPac?\n\nI just went a 182. Well, yes. We work we're we're casual at the moment. So we we work 20 oh, it's gonna go down, isn't it? Hours.\n\nHang on. Sorry. I'll just talk about it really quickly. Well, most of all she's doing that, you know, with the 2% because when I first come to Australia, I didn't have it for a couple of years. So I think mine is 28%, but then they buy it between the two of two of us on tax time.\n\nSo ours would actually be is it 2% for a year or is it at 14% for the year tax time because you didn't have it for a period of time? Yes. Yes. No. So that's why it's better to to have it than not let it not have it during the year because you get yeah.\n\nOkay. It's got nothing to do with this Yeah. Going yeah. So if we basically just get a basic cover with with hospital, that's the best way to go because that still covers that 2%. Oh.\n\nYeah. We do not I think we're we're happy to pay full price for our Cairo and his glasses because the amount that we claim on those annually is much less than what we're paying annually for health insurance, if you know what I mean. Yeah. So 78 what's your payment? 78.\n\n78. 16802. 68. Alright. How many fortnights?\n\nTwenty six. 171. Where'd you get $1.82 from? Because I thought it was the same as the job we just came from because I don't have pay. Right?\n\nYeah. We're actually $1,718.03 because with our hours have just gone down, boy. Oh, yes. Yeah. One seventy one eighty three eight three seven roughly around the end.\n\nIt's all eight point 12. You wanna be specific? Yeah. Yes. Work backwards.\n\nThank you. Appreciate that. Now, Larissa, now that now because our house is getting cut from twelve and a half to twelve as of December, October. This document you sent me, is that gonna make any changes really? Do we have to adjust anything, or is that still good to go?\n\nBecause you're still gonna do overtime anyway. So okay. Do you wanna make a appointment with us to discuss anything to see if you're interested? Yeah. I think I am interested.\n\nIt's just getting the right time to do it. I'm trying to think tomorrow. What am I gonna have to do? Oh, we're flying out to tomorrow. We might have to leave it.\n\nYeah. Maybe I can make contact when I've got more time. The third and fourth of October. I'm not certain. Yep.\n\nOh, I'm not. I heard your message. Mhmm. Yeah. I'm just about killed Casper numerous times.\n\nThree years in. No. This yeah. The thirteenth. I think I've got an appointment.\n\nOne second. But the thirteenth might be might work. Just gotta check. I know I've got an appointment that day. Oh, no.\n\nI've got someone here to do that day. It's okay. We'll touch base because then we're going to New Zealand, so we're a good month out. Yeah. But yeah.\n\nOh, yeah. Yep. It's Keriana, k e r I a n a k a w, like, h I a at gmail dot com. Thank you. And being just going for your document, Where is the date for the contributions to come out?\n\nIs that on the next page? Yes. Okay. Yes. Yeah.\n\nI'll be pay. Sorry. One last thing. We're also not claiming the tax free threshold. That's not an issue with what he's about to sign up for.\n\nBecause we thought that and we have a little pot at the end of the financial year. I don't know. Yeah. Yeah. Do you know are you able to calculate what that might look like or you're not really sure because it depends on what we make, obviously?\n\nOr rough idea? Okay. Because then we add that to the 4.5 that that we will get from him making those extra contributions. Yeah. Okay.\n\nI have one more question. I was struggling I'm struggling to sign. I'm on this document and I signed, and then it says multi multi something. Alright. I think we shall try and let you go now.\n\nYes, sir. Thanks for your help. Yeah. I I just signed it, so you'll send me through a form to for the bank stuff to come out. Correct?\n\nOkay. Okay. Can it be on a computer? Because I'm back at camp, so I don't have access to a printer and stuff like that. It'll be a Thursday.\n\nSo it'll be next Thursday for this Saturday day? Yeah. Not the Thursday, the following. Yeah. Following.\n\nSo Thursday, the The eighth. Yep. That's correct. And every fortnight from then? Yeah.\n\nCool. So you'll be able to send through our levy figures and our potential return, yeah, with tax free threshold and all of that. Yeah. Thank you. I need to have someone in between even calls from New Zealand, and we'll share it with you.\n\nThat's fine. Alright. Thank you very much. Thanks, Laura. You too.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"So what are your questions here?","start":1.4399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.019322868747015793},{"text":"Good.","start":6.7999997,"end":7.12,"sentiment":"positive","sentiment_score":0.3869891464710235},{"text":"And yourself?","start":7.12,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.21102143079042435},{"text":"I got my wife here and she got some questions.","start":13.5199995,"end":15.975,"sentiment":"neutral","sentiment_score":0.12020117491483688},{"text":"Her name is Kiriana.","start":16.055,"end":17.195,"sentiment":"neutral","sentiment_score":0.08273253031075001}],"sentiment":"neutral","sentiment_score":0.10686569960544938,"num_words":23,"start":1.4399999,"end":17.195},{"sentences":[{"text":"So I got you on speaker phone.","start":17.415,"end":19.115,"sentiment":"neutral","sentiment_score":0.08072274391140256},{"text":"Hi.","start":21.975,"end":22.215,"sentiment":"neutral","sentiment_score":0.1892659962177277},{"text":"Good.","start":22.215,"end":22.375,"sentiment":"positive","sentiment_score":0.4179157018661499},{"text":"Thanks.","start":22.375,"end":22.775,"sentiment":"positive","sentiment_score":0.5277005434036255},{"text":"I just wanted to know if you can walk me through your advice about doing contributions.","start":22.775,"end":31.25,"sentiment":"neutral","sentiment_score":0.17519785929471254}],"sentiment":"neutral","sentiment_score":0.17319643067625853,"num_words":26,"start":17.415,"end":31.25},{"sentences":[{"text":"I just wanted to understand it a bit better.","start":31.25,"end":33.329998,"sentiment":"neutral","sentiment_score":0.09082009808884726},{"text":"That's all.","start":33.329998,"end":34.149998,"sentiment":"neutral","sentiment_score":0.13216803222894669},{"text":"Yeah.","start":40.37,"end":40.69,"sentiment":"neutral","sentiment_score":0.08068430423736572},{"text":"I haven't actually had time to read what you've sent through.","start":40.69,"end":43.489998,"sentiment":"neutral","sentiment_score":0.01815730942921205},{"text":"But so is this different to doing extra contributions through we just basically wanna better don't wanna get smashed by tax, but also we'll have more money in in super at the same time, I would think.","start":43.489998,"end":57.42,"sentiment":"neutral","sentiment_score":0.020018037182052393}],"sentiment":"neutral","sentiment_score":0.03504665051586926,"num_words":60,"start":31.25,"end":57.42},{"sentences":[{"text":"So is this the be is this the best way to go about that?","start":57.899998,"end":61.179996,"sentiment":"neutral","sentiment_score":0.025613090555582727},{"text":"Or Okay.","start":61.179996,"end":190.32,"sentiment":"neutral","sentiment_score":0.0492690596729517},{"text":"So did you say those contributions are coming out once we've already been taxed?","start":190.32,"end":194.74,"sentiment":"neutral","sentiment_score":0.08104835876396724},{"text":"Yeah.","start":200.095,"end":200.595,"sentiment":"neutral","sentiment_score":0.15432988107204437},{"text":"But but the other way the original way I was thinking is to pay a pretax amount to Super to bring to bring our tax bracket down.","start":219.39,"end":232.195,"sentiment":"neutral","sentiment_score":0.06578781359173634}],"sentiment":"neutral","sentiment_score":0.06073102168738842,"num_words":58,"start":57.899998,"end":232.195},{"sentences":[{"text":"But at the end of the financial year, we don't get a return.","start":232.335,"end":235.295,"sentiment":"neutral","sentiment_score":-0.10331426904751705},{"text":"It just stays there.","start":235.295,"end":236.595,"sentiment":"neutral","sentiment_score":-0.048924269154667854},{"text":"So which which which way is better?","start":237.375,"end":239.79,"sentiment":"neutral","sentiment_score":0.04239588709814208},{"text":"I see.","start":264.525,"end":265.26498,"sentiment":"positive","sentiment_score":0.3566584885120392},{"text":"I don't understand how it brings down our tax bracket if you're paying into your super after you've already been taxed.","start":279.92502,"end":288.345,"sentiment":"negative","sentiment_score":-0.470347014211473}],"sentiment":"neutral","sentiment_score":-0.22140386565885645,"num_words":47,"start":232.335,"end":288.345},{"sentences":[{"text":"Yeah.","start":297.46,"end":297.96,"sentiment":"neutral","sentiment_score":0.014728885143995283},{"text":"Yep.","start":304.1,"end":304.395,"sentiment":"neutral","sentiment_score":0.07831554859876633},{"text":"Yeah.","start":313.75497,"end":314.07498,"sentiment":"neutral","sentiment_score":0.13918179273605347},{"text":"I get that.","start":314.07498,"end":314.895,"sentiment":"neutral","sentiment_score":0.174503227074941},{"text":"Yep.","start":316.235,"end":316.59,"sentiment":"neutral","sentiment_score":0.0483412891626358}],"sentiment":"neutral","sentiment_score":0.11486817098089627,"num_words":7,"start":297.46,"end":316.59},{"sentences":[{"text":"So it is it is it is sent to the super before texting if that's what you're saying.","start":340.605,"end":345.26,"sentiment":"neutral","sentiment_score":0.018843679171469476},{"text":"Yeah.","start":351.56003,"end":352.06003,"sentiment":"neutral","sentiment_score":-0.049376629292964935},{"text":"Yeah.","start":356.12003,"end":356.565,"sentiment":"neutral","sentiment_score":-0.06308940052986145},{"text":"Yeah.","start":359.765,"end":360.265,"sentiment":"neutral","sentiment_score":-0.07382801175117493},{"text":"Yep.","start":366.885,"end":367.385,"sentiment":"neutral","sentiment_score":0.03202603757381439}],"sentiment":"neutral","sentiment_score":0.008405373685739258,"num_words":22,"start":340.605,"end":367.385},{"sentences":[{"text":"Mhmm.","start":370.245,"end":370.71,"sentiment":"neutral","sentiment_score":-0.006445152685046196},{"text":"Yes.","start":378.47,"end":378.97,"sentiment":"neutral","sentiment_score":0.01746777445077896},{"text":"I see.","start":382.63,"end":383.235,"sentiment":"neutral","sentiment_score":-0.051955241709947586},{"text":"You'll just get a payment at the end of the year and a lump sum as opposed to getting the discount, like, a lot less rates every fortnight.","start":384.995,"end":393.175,"sentiment":"neutral","sentiment_score":0.19027696257191046},{"text":"Okay.","start":395.31497,"end":395.63498,"sentiment":"neutral","sentiment_score":0.16786696016788483}],"sentiment":"neutral","sentiment_score":0.16371921365233985,"num_words":33,"start":370.245,"end":395.63498},{"sentences":[{"text":"I get that.","start":395.63498,"end":396.455,"sentiment":"neutral","sentiment_score":0.183062344789505},{"text":"I think I'd prefer the other way because it's a bit of a hit.","start":399.44998,"end":406.03,"sentiment":"neutral","sentiment_score":-0.19833366572856903},{"text":"But what yeah.","start":406.09,"end":406.65,"sentiment":"neutral","sentiment_score":0.03995343049367269},{"text":"What's the benefit of doing it the way you're saying?","start":406.65,"end":409.22998,"sentiment":"positive","sentiment_score":0.38870085030794144},{"text":"Because you're getting that compound?","start":409.28998,"end":410.75,"sentiment":"positive","sentiment_score":0.3365949630737305}],"sentiment":"neutral","sentiment_score":0.09892455211707524,"num_words":35,"start":395.63498,"end":410.75},{"sentences":[{"text":"I see.","start":419.065,"end":419.725,"sentiment":"neutral","sentiment_score":0.257071852684021},{"text":"Yes.","start":432.68,"end":433.18,"sentiment":"positive","sentiment_score":0.4596131443977356},{"text":"Yes.","start":445.495,"end":445.975,"sentiment":"neutral","sentiment_score":0.32180923223495483},{"text":"If we do it your way, we get a lump sum at the end of the year.","start":445.975,"end":448.855,"sentiment":"positive","sentiment_score":0.3458859920501709},{"text":"If we do it the way I initially thought, it'll just be a less money coming out of fortnight.","start":448.855,"end":453.99,"sentiment":"neutral","sentiment_score":0.1625729763978406}],"sentiment":"neutral","sentiment_score":0.2566128624603152,"num_words":40,"start":419.065,"end":453.99},{"sentences":[{"text":"Okay.","start":456.44998,"end":456.94998,"sentiment":"neutral","sentiment_score":0.14731991291046145},{"text":"Less money coming out of fortnight, but also more money in super.","start":457.33,"end":460.78998,"sentiment":"neutral","sentiment_score":0.14538158103823662},{"text":"Is that not because we're gonna end up taking it out at the end of the year if we go your way.","start":461.09,"end":465.33,"sentiment":"neutral","sentiment_score":0.16544656286185438},{"text":"Is that correct?","start":465.33,"end":466.065,"sentiment":"neutral","sentiment_score":0.1139763022462527},{"text":"Or no.","start":467.265,"end":467.665,"sentiment":"neutral","sentiment_score":-0.08860926888883114}],"sentiment":"neutral","sentiment_score":0.14241084093227982,"num_words":40,"start":456.44998,"end":467.665},{"sentences":[{"text":"There's still that extra money there.","start":467.665,"end":469.265,"sentiment":"neutral","sentiment_score":-0.09573423489928246},{"text":"We're just getting the interest the the taxable bit back.","start":469.265,"end":476.645,"sentiment":"neutral","sentiment_score":0.04350893562659621},{"text":"Yeah.","start":480.945,"end":481.265,"sentiment":"neutral","sentiment_score":0.038662657141685486},{"text":"But our but our extra contributions are still staying in super.","start":481.265,"end":485.62003,"sentiment":"neutral","sentiment_score":0.0225383151661266},{"text":"Yeah.","start":489.76,"end":490.0,"sentiment":"neutral","sentiment_score":-0.05074270814657211}],"sentiment":"neutral","sentiment_score":0.0033284607825094254,"num_words":29,"start":467.665,"end":490.0},{"sentences":[{"text":"What we're getting back is not part of the contribution.","start":490.0,"end":492.5,"sentiment":"neutral","sentiment_score":-0.11176789700984954},{"text":"It's just the tech stuff side of it.","start":492.56,"end":494.58002,"sentiment":"neutral","sentiment_score":-0.08294861391186714},{"text":"Oh, I see.","start":496.16,"end":496.665,"sentiment":"neutral","sentiment_score":-0.022109152749180794},{"text":"See.","start":504.105,"end":504.605,"sentiment":"neutral","sentiment_score":0.04266742616891861},{"text":"Yep.","start":537.205,"end":537.6,"sentiment":"neutral","sentiment_score":0.1127116084098816}],"sentiment":"neutral","sentiment_score":-0.073574621959225,"num_words":23,"start":490.0,"end":537.6},{"sentences":[{"text":"I get it.","start":537.68,"end":538.5,"sentiment":"neutral","sentiment_score":0.11300922433535258},{"text":"So how much did you say he would get back of that 10,000, so to speak?","start":540.56,"end":545.86,"sentiment":"neutral","sentiment_score":0.05389002326410264},{"text":"4,056.","start":546.07996,"end":547.77997,"sentiment":"neutral","sentiment_score":0.00921727530658245},{"text":"4,056.","start":549.27997,"end":550.875,"sentiment":"neutral","sentiment_score":0.014036262407898905},{"text":"Okay.","start":553.195,"end":553.695,"sentiment":"neutral","sentiment_score":0.03008907474577427}],"sentiment":"neutral","sentiment_score":0.05702775716781616,"num_words":22,"start":537.68,"end":553.695},{"sentences":[{"text":"And is that the maximum amount we can put through a fortnight?","start":554.075,"end":559.695,"sentiment":"neutral","sentiment_score":0.02116652624681592},{"text":"He can.","start":559.835,"end":560.395,"sentiment":"neutral","sentiment_score":0.033302249386906624},{"text":"Sorry.","start":560.395,"end":560.895,"sentiment":"neutral","sentiment_score":-0.023621100932359695},{"text":"I know you got it open.","start":581.625,"end":583.005,"sentiment":"neutral","sentiment_score":-0.011158631804088751},{"text":"Yes.","start":585.065,"end":585.565,"sentiment":"neutral","sentiment_score":0.12086166441440582}],"sentiment":"neutral","sentiment_score":0.01594961756332354,"num_words":22,"start":554.075,"end":585.565},{"sentences":[{"text":"Reached the consistent old cap.","start":601.58496,"end":603.445,"sentiment":"neutral","sentiment_score":-0.0005751658231019977},{"text":"Mhmm.","start":604.545,"end":605.045,"sentiment":"neutral","sentiment_score":0.0987023115158081},{"text":"Oh, yep.","start":615.425,"end":616.05,"sentiment":"neutral","sentiment_score":0.2274925336241722},{"text":"Yes.","start":628.69,"end":629.19,"sentiment":"neutral","sentiment_score":0.12316948175430298},{"text":"Yes.","start":629.49,"end":629.835,"sentiment":"neutral","sentiment_score":-0.026423092931509014}],"sentiment":"neutral","sentiment_score":0.06475579384714365,"num_words":10,"start":601.58496,"end":629.835},{"sentences":[{"text":"I see what you're doing here.","start":632.395,"end":633.775,"sentiment":"neutral","sentiment_score":0.011495605111122131},{"text":"Still within that.","start":637.11505,"end":638.155,"sentiment":"neutral","sentiment_score":-0.014224757129947344},{"text":"Yeah.","start":638.155,"end":638.655,"sentiment":"neutral","sentiment_score":0.040309105068445206},{"text":"And how much does he get back if he does 500 a fortnight?","start":640.635,"end":644.015,"sentiment":"neutral","sentiment_score":0.07068904345998397},{"text":"What's the end result?","start":644.23505,"end":645.53503,"sentiment":"neutral","sentiment_score":0.045659405179321766}],"sentiment":"neutral","sentiment_score":0.043266801853422764,"num_words":27,"start":632.395,"end":645.53503},{"sentences":[{"text":"So do we have that here?","start":648.1,"end":649.8,"sentiment":"neutral","sentiment_score":0.011387648526579142},{"text":"Just trying to see on your paperwork.","start":651.54,"end":653.16,"sentiment":"neutral","sentiment_score":-0.021857544779777527},{"text":"I can't really see.","start":653.22,"end":654.68,"sentiment":"neutral","sentiment_score":-0.1750670112669468},{"text":"Okay.","start":660.01996,"end":660.51996,"sentiment":"neutral","sentiment_score":-0.021910693496465683},{"text":"That's not much more than the 400 contribution.","start":689.095,"end":692.795,"sentiment":"neutral","sentiment_score":-0.2142944661900401}],"sentiment":"neutral","sentiment_score":-0.09696966886090544,"num_words":26,"start":648.1,"end":692.795},{"sentences":[{"text":"Was it around the same?","start":693.015,"end":694.295,"sentiment":"neutral","sentiment_score":-0.12413315176963806},{"text":"That 400 dollars something.","start":694.295,"end":695.83496,"sentiment":"neutral","sentiment_score":-0.1803652159869671},{"text":"Oh, yeah.","start":699.975,"end":700.375,"sentiment":"neutral","sentiment_score":-0.11541631817817688},{"text":"I see.","start":700.375,"end":700.855,"sentiment":"neutral","sentiment_score":-0.08258910849690437},{"text":"Yeah.","start":700.855,"end":701.1,"sentiment":"neutral","sentiment_score":-0.0372762456536293}],"sentiment":"neutral","sentiment_score":-0.12681526584284647,"num_words":14,"start":693.015,"end":701.1},{"sentences":[{"text":"You know?","start":701.5,"end":702.07996,"sentiment":"neutral","sentiment_score":-0.05394921451807022},{"text":"Yep.","start":718.15497,"end":718.65497,"sentiment":"neutral","sentiment_score":-0.19655734300613403},{"text":"Yep.","start":733.13,"end":733.63,"sentiment":"neutral","sentiment_score":-0.1341182142496109},{"text":"What is there another tax bracket above that one?","start":736.01,"end":738.525,"sentiment":"neutral","sentiment_score":-0.04358841126991643},{"text":"That's the the $19.02?","start":738.525,"end":740.945,"sentiment":"neutral","sentiment_score":0.02449704660102725}],"sentiment":"neutral","sentiment_score":-0.04311067654806025,"num_words":17,"start":701.5,"end":740.945},{"sentences":[{"text":"K.","start":765.435,"end":765.59503,"sentiment":"neutral","sentiment_score":0.015510667115449904},{"text":"Because we're gonna be doing overtime.","start":765.59503,"end":767.275,"sentiment":"neutral","sentiment_score":-0.02174422183694939},{"text":"So we're gonna I'm pretty sure we're gonna go over the $1.90 with us doing overtime.","start":767.275,"end":774.495,"sentiment":"neutral","sentiment_score":-0.011659630530630238},{"text":"So does that change anything apart from the tax rate, obviously?","start":776.955,"end":784.37,"sentiment":"neutral","sentiment_score":-0.002002099020914598},{"text":"Yeah.","start":796.84503,"end":797.325,"sentiment":"neutral","sentiment_score":0.2089521437883377}],"sentiment":"neutral","sentiment_score":-0.003273705652515803,"num_words":35,"start":765.435,"end":797.325},{"sentences":[{"text":"I see.","start":797.325,"end":797.985,"sentiment":"neutral","sentiment_score":0.27377064526081085},{"text":"Yeah.","start":809.18005,"end":809.68005,"sentiment":"neutral","sentiment_score":0.04730655252933502},{"text":"Okay.","start":811.10004,"end":811.42004,"sentiment":"neutral","sentiment_score":0.03833955526351929},{"text":"What are what are these cost here?","start":811.42004,"end":813.18005,"sentiment":"neutral","sentiment_score":0.024125860205718448},{"text":"Fee comparison.","start":813.18005,"end":814.08,"sentiment":"neutral","sentiment_score":0.021928681060671806}],"sentiment":"neutral","sentiment_score":0.0650712139904499,"num_words":13,"start":797.325,"end":814.08},{"sentences":[{"text":"Date.","start":817.52496,"end":817.56494,"sentiment":"neutral","sentiment_score":0.03147207945585251},{"text":"A half that's for day job.","start":817.56494,"end":818.725,"sentiment":"neutral","sentiment_score":0.054444681853055954},{"text":"I got it a super year.","start":818.725,"end":820.385,"sentiment":"neutral","sentiment_score":0.15352128446102142},{"text":"That's for Eight month fee.","start":820.565,"end":824.645,"sentiment":"neutral","sentiment_score":0.03390957303345203},{"text":"Oh, so it's a thousand annually.","start":824.645,"end":826.105,"sentiment":"neutral","sentiment_score":0.022845064910749596}],"sentiment":"neutral","sentiment_score":0.06607858883216977,"num_words":24,"start":817.52496,"end":826.105},{"sentences":[{"text":"Is it?","start":827.765,"end":828.245,"sentiment":"neutral","sentiment_score":0.012978581711649895},{"text":"Thousand and 34.","start":828.245,"end":829.205,"sentiment":"neutral","sentiment_score":0.005739141566058},{"text":"Is that what that means?","start":829.205,"end":830.13,"sentiment":"neutral","sentiment_score":0.0036176593974232675},{"text":"Oh, no.","start":831.09,"end":831.41003,"sentiment":"neutral","sentiment_score":-0.0343135679140687},{"text":"Total sorry.","start":831.41003,"end":833.59,"sentiment":"neutral","sentiment_score":-0.028353841975331306}],"sentiment":"neutral","sentiment_score":-0.004576566762157849,"num_words":14,"start":827.765,"end":833.59},{"sentences":[{"text":"What page are we on, Casper?","start":833.97003,"end":835.59,"sentiment":"neutral","sentiment_score":-0.012563799507915974},{"text":"We're on page 13.","start":835.97003,"end":839.51,"sentiment":"neutral","sentiment_score":-0.0030376558424904943},{"text":"13.","start":839.73,"end":840.23,"sentiment":"neutral","sentiment_score":-0.000543912872672081},{"text":"Of what you sent through.","start":841.01,"end":842.385,"sentiment":"neutral","sentiment_score":-0.005936581455171108},{"text":"Okay.","start":849.265,"end":849.765,"sentiment":"neutral","sentiment_score":0.015147680416703224}],"sentiment":"neutral","sentiment_score":-0.006036032949957778,"num_words":17,"start":833.97003,"end":849.765},{"sentences":[{"text":"So what so what are what is he paying you to do all this?","start":850.945,"end":854.545,"sentiment":"neutral","sentiment_score":0.01034002538238253},{"text":"What's the fee for your guys' contributions?","start":854.545,"end":857.68994,"sentiment":"neutral","sentiment_score":0.014741756288068635},{"text":"Annually.","start":857.99,"end":858.49,"sentiment":"neutral","sentiment_score":0.006835179403424263},{"text":"Annually.","start":858.94995,"end":859.44995,"sentiment":"neutral","sentiment_score":0.01214821171015501},{"text":"K.","start":865.02997,"end":865.52997,"sentiment":"neutral","sentiment_score":0.020133981481194496}],"sentiment":"neutral","sentiment_score":0.011961250915192068,"num_words":24,"start":850.945,"end":865.52997},{"sentences":[{"text":"Oh, yeah.","start":865.75,"end":866.49,"sentiment":"neutral","sentiment_score":0.01986655592918396},{"text":"Yep.","start":888.34,"end":888.84,"sentiment":"neutral","sentiment_score":-0.15771394968032837},{"text":"Yeah.","start":893.94,"end":894.375,"sentiment":"neutral","sentiment_score":-0.16795335710048676},{"text":"Okay.","start":901.175,"end":901.675,"sentiment":"neutral","sentiment_score":-0.01738688163459301},{"text":"Can I ask something, Melissa?","start":901.975,"end":903.655,"sentiment":"neutral","sentiment_score":-0.014551958814263345}],"sentiment":"neutral","sentiment_score":-0.03760808706283569,"num_words":10,"start":865.75,"end":903.655},{"sentences":[{"text":"I just saw in the document that you don't the same as the beneficiary one.","start":903.655,"end":907.835,"sentiment":"neutral","sentiment_score":-0.06860671279331049},{"text":"I see you only have my first name on there, not my second name.","start":908.13,"end":911.73004,"sentiment":"neutral","sentiment_score":-0.06465429679623672},{"text":"Is that gonna be alright?","start":911.73004,"end":912.95,"sentiment":"neutral","sentiment_score":-0.03430560901761055},{"text":"You got given name, Casper.","start":916.29004,"end":917.91003,"sentiment":"neutral","sentiment_score":-0.02268475852906704},{"text":"Family name is Farandesh.","start":917.97003,"end":919.27,"sentiment":"neutral","sentiment_score":-0.006794937304221094}],"sentiment":"neutral","sentiment_score":-0.05224168451156381,"num_words":43,"start":903.655,"end":919.27},{"sentences":[{"text":"My middle name is not on on there.","start":919.73004,"end":921.705,"sentiment":"neutral","sentiment_score":-0.025952709140256047},{"text":"You don't need to.","start":921.78503,"end":922.905,"sentiment":"neutral","sentiment_score":-0.041020617820322514},{"text":"I'm just asking.","start":922.905,"end":923.805,"sentiment":"neutral","sentiment_score":-0.04429117341836294},{"text":"Okay.","start":928.905,"end":929.405,"sentiment":"neutral","sentiment_score":0.12552307546138763},{"text":"Mhmm.","start":935.065,"end":935.565,"sentiment":"neutral","sentiment_score":0.09796832501888277}],"sentiment":"neutral","sentiment_score":-0.016534486128126875,"num_words":17,"start":919.73004,"end":935.565},{"sentences":[{"text":"I just I just added in my last name.","start":936.745,"end":940.76996,"sentiment":"neutral","sentiment_score":0.06299273545543353},{"text":"My middle name's on the beneficiary paperwork I got, which I need to send off.","start":940.91,"end":945.64996,"sentiment":"neutral","sentiment_score":0.04007763862609863},{"text":"So yeah.","start":946.35,"end":947.17,"sentiment":"neutral","sentiment_score":0.06471133232116699},{"text":"Yeah.","start":950.58997,"end":950.67,"sentiment":"neutral","sentiment_score":0.09658189117908478},{"text":"Cool.","start":950.67,"end":951.07,"sentiment":"neutral","sentiment_score":0.11913160979747772}],"sentiment":"neutral","sentiment_score":0.05404412014675992,"num_words":28,"start":936.745,"end":951.07},{"sentences":[{"text":"Alright.","start":951.07,"end":951.57,"sentiment":"neutral","sentiment_score":0.0469299852848053},{"text":"Sorry.","start":952.675,"end":952.995,"sentiment":"neutral","sentiment_score":-0.004780893214046955},{"text":"I did have a question.","start":952.995,"end":954.03503,"sentiment":"neutral","sentiment_score":-0.04493157640099525},{"text":"I was just gone.","start":954.03503,"end":955.015,"sentiment":"neutral","sentiment_score":-0.06134736631065607},{"text":"Is your guys fee is it a set price or does it obviously, it probably changes annually with everything else that changes in the world?","start":957.155,"end":964.135,"sentiment":"neutral","sentiment_score":-0.04669228404760361}],"sentiment":"neutral","sentiment_score":-0.044311259899081454,"num_words":36,"start":951.07,"end":964.135},{"sentences":[{"text":"Yeah.","start":972.85004,"end":973.35004,"sentiment":"neutral","sentiment_score":-0.0075427088886499405},{"text":"And how much did it go up from the last, like, you know, the last price cost rise, how much difference was that?","start":975.73004,"end":984.975,"sentiment":"neutral","sentiment_score":-0.05578814592698346},{"text":"K.","start":999.20996,"end":999.70996,"sentiment":"neutral","sentiment_score":-0.07417308539152145},{"text":"Yeah.","start":1004.97,"end":1005.435,"sentiment":"neutral","sentiment_score":-0.10419419407844543},{"text":"But if if if his if his super is not doing well, you guys are still getting your your pay like, you know, your your fee isn't dropping with the super that's potential like, just say his super balance dropped.","start":1037.945,"end":1052.18,"sentiment":"negative","sentiment_score":-0.4516932064667344}],"sentiment":"neutral","sentiment_score":-0.29601160005073657,"num_words":66,"start":972.85004,"end":1052.18},{"sentences":[{"text":"Your guys' fee is not dropping.","start":1052.56,"end":1054.08,"sentiment":"neutral","sentiment_score":0.07439439122875531},{"text":"It's staying the same.","start":1054.08,"end":1054.96,"sentiment":"neutral","sentiment_score":0.1108235027641058},{"text":"Is that correct?","start":1054.96,"end":1055.86,"sentiment":"neutral","sentiment_score":0.11191260566314061},{"text":"Has his account dropped at all since he's been with you guys?","start":1063.715,"end":1067.1749,"sentiment":"neutral","sentiment_score":-0.0710313633705179},{"text":"Has his but in in the bigger picture, annually, has it ever dropped globally over the year?","start":1067.235,"end":1078.46,"sentiment":"neutral","sentiment_score":-0.13166561306399457}],"sentiment":"neutral","sentiment_score":-0.0444117525503749,"num_words":42,"start":1052.56,"end":1078.46},{"sentences":[{"text":"Like, as a whole.","start":1078.6,"end":1079.74,"sentiment":"neutral","sentiment_score":-0.061207639053463936},{"text":"Yeah.","start":1086.84,"end":1087.32,"sentiment":"neutral","sentiment_score":-0.011758007109165192},{"text":"That's what my dear.","start":1087.32,"end":1088.2799,"sentiment":"neutral","sentiment_score":-0.01097658695653081},{"text":"So it has recovered.","start":1088.2799,"end":1089.34,"sentiment":"neutral","sentiment_score":0.02083861455321312},{"text":"Recovered and and gained or just recovered and hit the, like, plateau sort of thing?","start":1092.585,"end":1097.945,"sentiment":"neutral","sentiment_score":-0.012713144284983475}],"sentiment":"neutral","sentiment_score":-0.014565629186108708,"num_words":28,"start":1078.6,"end":1097.945},{"sentences":[{"text":"You know what I mean?","start":1097.945,"end":1098.9249,"sentiment":"neutral","sentiment_score":-0.08177509605884552},{"text":"Two months.","start":1108.84,"end":1109.5,"sentiment":"neutral","sentiment_score":0.014984088018536568},{"text":"Right.","start":1110.04,"end":1110.54,"sentiment":"neutral","sentiment_score":0.044094860553741455},{"text":"Yeah.","start":1138.87,"end":1139.37,"sentiment":"neutral","sentiment_score":-0.010516462847590446},{"text":"Okay.","start":1139.75,"end":1140.25,"sentiment":"neutral","sentiment_score":0.04261866211891174}],"sentiment":"neutral","sentiment_score":-0.03027102444320917,"num_words":10,"start":1097.945,"end":1140.25},{"sentences":[{"text":"Okay.","start":1142.55,"end":1142.95,"sentiment":"neutral","sentiment_score":0.1284809112548828},{"text":"Thank you.","start":1142.95,"end":1143.645,"sentiment":"neutral","sentiment_score":0.26248909533023834},{"text":"I don't I'm not a part of what he's my super isn't going through that.","start":1143.885,"end":1149.025,"sentiment":"neutral","sentiment_score":-0.2615984077254931},{"text":"In in fact, I'm quite blind with what my super is doing, so I'm just wondering whether I need to sign up so that it's been over overseen.","start":1149.245,"end":1156.545,"sentiment":"neutral","sentiment_score":-0.2618722870413746},{"text":"You know what I mean?","start":1156.605,"end":1157.245,"sentiment":"neutral","sentiment_score":-0.10284002125263214}],"sentiment":"neutral","sentiment_score":-0.2179831599487978,"num_words":51,"start":1142.55,"end":1157.245},{"sentences":[{"text":"Because at the moment, just doing whatever it's doing.","start":1157.245,"end":1159.0299,"sentiment":"neutral","sentiment_score":-0.1437719472580486},{"text":"Yeah.","start":1171.73,"end":1172.23,"sentiment":"neutral","sentiment_score":0.04926038160920143},{"text":"Yep.","start":1201.4451,"end":1201.9451,"sentiment":"neutral","sentiment_score":0.2487190067768097},{"text":"Yeah.","start":1205.525,"end":1205.925,"sentiment":"neutral","sentiment_score":0.20127862691879272},{"text":"Yep.","start":1205.925,"end":1206.425,"sentiment":"neutral","sentiment_score":0.17367911338806152}],"sentiment":"neutral","sentiment_score":-0.047770030509967074,"num_words":13,"start":1157.245,"end":1206.425},{"sentences":[{"text":"Yep.","start":1208.5651,"end":1209.0651,"sentiment":"neutral","sentiment_score":0.02427048049867153},{"text":"So what are you guys what what is your not status, but what's what are you guys, like, financial advisers?","start":1215.38,"end":1223.4,"sentiment":"neutral","sentiment_score":-0.021551933977752923},{"text":"What are you?","start":1223.54,"end":1224.345,"sentiment":"neutral","sentiment_score":0.03881923854351044},{"text":"Okay.","start":1228.1849,"end":1228.6849,"sentiment":"neutral","sentiment_score":0.175350159406662},{"text":"Yeah.","start":1248.89,"end":1249.39,"sentiment":"neutral","sentiment_score":0.20104312896728516}],"sentiment":"neutral","sentiment_score":0.003310877113388135,"num_words":26,"start":1208.5651,"end":1249.39},{"sentences":[{"text":"Okay.","start":1258.985,"end":1259.385,"sentiment":"neutral","sentiment_score":0.06507385522127151},{"text":"What about what about health insurance?","start":1259.385,"end":1261.305,"sentiment":"neutral","sentiment_score":-0.05676895690461},{"text":"Do you know much about health insurance?","start":1261.305,"end":1263.005,"sentiment":"neutral","sentiment_score":-0.10020405054092407},{"text":"Yeah.","start":1272.8301,"end":1273.3301,"sentiment":"neutral","sentiment_score":-0.08262749016284943},{"text":"I see.","start":1274.8301,"end":1275.15,"sentiment":"neutral","sentiment_score":-0.053044190630316734}],"sentiment":"neutral","sentiment_score":-0.06856965361272588,"num_words":17,"start":1258.985,"end":1275.15},{"sentences":[{"text":"Yeah.","start":1275.15,"end":1275.39,"sentiment":"neutral","sentiment_score":-0.07333002984523773},{"text":"We're just thinking I mean, we we paid health insurance for another long, and we don't we haven't we don't use a lot of what we signed up for, and I'm just I know some people that don't have health insurance, and it's all good, but I don't know how to fix your tax at the end of the year.","start":1275.39,"end":1294.75,"sentiment":"neutral","sentiment_score":-0.27217029171685375},{"text":"Do you know?","start":1295.61,"end":1296.51,"sentiment":"neutral","sentiment_score":-0.20589182277520499},{"text":"Yeah.","start":1306.09,"end":1306.59,"sentiment":"neutral","sentiment_score":0.06492965668439865},{"text":"Yeah.","start":1314.7051,"end":1315.2051,"sentiment":"neutral","sentiment_score":0.02518760971724987}],"sentiment":"neutral","sentiment_score":-0.2565319050724308,"num_words":66,"start":1275.15,"end":1315.2051},{"sentences":[{"text":"Yeah.","start":1319.425,"end":1319.85,"sentiment":"neutral","sentiment_score":0.07037530094385147},{"text":"Yeah.","start":1330.89,"end":1331.13,"sentiment":"neutral","sentiment_score":0.049910660833120346},{"text":"Because, I mean, I've I've had a lot of health things appointments, and my health fund doesn't doesn't cover a lot of them, what I had done, but Medicare did.","start":1331.13,"end":1343.795,"sentiment":"neutral","sentiment_score":-0.0836858857423067},{"text":"So what's the point in having it if Medicare is gonna help me out?","start":1343.795,"end":1346.995,"sentiment":"neutral","sentiment_score":0.07618235018370408},{"text":"You know what I mean?","start":1346.995,"end":1348.02,"sentiment":"neutral","sentiment_score":-0.018816464766860008}],"sentiment":"neutral","sentiment_score":-0.027800392779503382,"num_words":51,"start":1319.425,"end":1348.02},{"sentences":[{"text":"So, yeah, I just wondered yeah.","start":1351.54,"end":1355.62,"sentiment":"neutral","sentiment_score":-0.06711566572388013},{"text":"I just wondered if what's the pros and cons of having or not having Health Fund and just.","start":1355.62,"end":1362.36,"sentiment":"neutral","sentiment_score":-0.05084955236978001},{"text":"But I know it's got something to do with the tax at the end of the year.","start":1362.775,"end":1365.495,"sentiment":"neutral","sentiment_score":-0.1582315875326886},{"text":"You might pay a little more.","start":1365.495,"end":1367.035,"sentiment":"neutral","sentiment_score":-0.27674392859141034},{"text":"You might your refund might not be as as good or yeah.","start":1367.175,"end":1370.375,"sentiment":"neutral","sentiment_score":-0.3278203457593918}],"sentiment":"neutral","sentiment_score":-0.16274967196129136,"num_words":59,"start":1351.54,"end":1370.375},{"sentences":[{"text":"I'm not too sure, to be honest.","start":1370.375,"end":1371.735,"sentiment":"neutral","sentiment_score":-0.2419226403747286},{"text":"I just thought you might know.","start":1371.735,"end":1373.115,"sentiment":"neutral","sentiment_score":-0.10573541621367137},{"text":"Okay.","start":1383.51,"end":1384.01,"sentiment":"neutral","sentiment_score":0.0004264768213033676},{"text":"It's 2% of your income.","start":1390.765,"end":1395.345,"sentiment":"neutral","sentiment_score":-0.0021536116488277907},{"text":"I see.","start":1397.565,"end":1398.225,"sentiment":"neutral","sentiment_score":-0.016220957040786743}],"sentiment":"neutral","sentiment_score":-0.11288830835283512,"num_words":21,"start":1370.375,"end":1398.225},{"sentences":[{"text":"Yes.","start":1414.86,"end":1415.205,"sentiment":"neutral","sentiment_score":-0.09301000088453291},{"text":"Yeah.","start":1422.8049,"end":1423.3049,"sentiment":"neutral","sentiment_score":0.03321996331214905},{"text":"So you need to you need to calculate what your levy is worth and put it up against what you're paying annually for your health insurance and see which one's better off, basically.","start":1424.485,"end":1438.05,"sentiment":"neutral","sentiment_score":0.013027191966433416},{"text":"Yep.","start":1440.27,"end":1440.585,"sentiment":"neutral","sentiment_score":0.08569668978452682},{"text":"Yep.","start":1443.065,"end":1443.565,"sentiment":"neutral","sentiment_score":0.09472178667783736}],"sentiment":"neutral","sentiment_score":0.014879074967088731,"num_words":37,"start":1414.86,"end":1443.565},{"sentences":[{"text":"Yeah.","start":1447.145,"end":1447.465,"sentiment":"neutral","sentiment_score":0.08263503760099411},{"text":"That'll be great.","start":1447.465,"end":1448.5249,"sentiment":"positive","sentiment_score":0.6017898321151733},{"text":"Oh, that one's me.","start":1452.0249,"end":1453.065,"sentiment":"neutral","sentiment_score":0.05472477339208126},{"text":"The same as Casper.","start":1453.065,"end":1454.125,"sentiment":"neutral","sentiment_score":0.06204364262521267},{"text":"What did you work yours out on WorkPac?","start":1455.05,"end":1456.83,"sentiment":"neutral","sentiment_score":0.037053154315799475}],"sentiment":"neutral","sentiment_score":0.13257517162710428,"num_words":20,"start":1447.145,"end":1456.83},{"sentences":[{"text":"I just went a 182.","start":1456.97,"end":1458.91,"sentiment":"neutral","sentiment_score":0.014085934311151505},{"text":"Well, yes.","start":1459.37,"end":1460.49,"sentiment":"neutral","sentiment_score":0.06582244671881199},{"text":"We work we're we're casual at the moment.","start":1460.49,"end":1463.23,"sentiment":"neutral","sentiment_score":0.05033467384055257},{"text":"So we we work 20 oh, it's gonna go down, isn't it?","start":1463.37,"end":1466.65,"sentiment":"neutral","sentiment_score":0.01840828071969251},{"text":"Hours.","start":1466.65,"end":1467.105,"sentiment":"neutral","sentiment_score":-0.0008465411956422031}],"sentiment":"neutral","sentiment_score":0.02945731368423107,"num_words":28,"start":1456.97,"end":1467.105},{"sentences":[{"text":"Hang on.","start":1467.1849,"end":1467.585,"sentiment":"neutral","sentiment_score":-0.02347911987453699},{"text":"Sorry.","start":1467.585,"end":1467.825,"sentiment":"neutral","sentiment_score":-0.08093862235546112},{"text":"I'll just talk about it really quickly.","start":1467.825,"end":1469.525,"sentiment":"neutral","sentiment_score":-0.03156781303031104},{"text":"Well, most of all she's doing that, you know, with the 2% because when I first come to Australia, I didn't have it for a couple of years.","start":1469.825,"end":1477.605,"sentiment":"neutral","sentiment_score":-0.03868492932191917},{"text":"So I think mine is 28%, but then they buy it between the two of two of us on tax time.","start":1477.825,"end":1484.28,"sentiment":"neutral","sentiment_score":-0.025746141870816548}],"sentiment":"neutral","sentiment_score":-0.03343590768843384,"num_words":59,"start":1467.1849,"end":1484.28},{"sentences":[{"text":"So ours would actually be is it 2% for a year or is it at 14% for the year tax time because you didn't have it for a period of time?","start":1485.06,"end":1493.815,"sentiment":"neutral","sentiment_score":-0.0048747568000708855},{"text":"Yes.","start":1499.6349,"end":1500.1349,"sentiment":"neutral","sentiment_score":-0.0025824010372161865},{"text":"Yes.","start":1500.5149,"end":1501.0149,"sentiment":"neutral","sentiment_score":-0.01708870381116867},{"text":"No.","start":1523.9249,"end":1524.4249,"sentiment":"neutral","sentiment_score":-0.26920264959335327},{"text":"So that's why it's better to to have it than not let it not have it during the year because you get yeah.","start":1526.725,"end":1533.86,"sentiment":"neutral","sentiment_score":-0.1089031433119722}],"sentiment":"neutral","sentiment_score":-0.05166251774419818,"num_words":57,"start":1485.06,"end":1533.86},{"sentences":[{"text":"Okay.","start":1533.86,"end":1534.36,"sentiment":"neutral","sentiment_score":-0.10778336226940156},{"text":"It's got nothing to do with this Yeah.","start":1534.5,"end":1536.4199,"sentiment":"neutral","sentiment_score":-0.21281764842569828},{"text":"Going yeah.","start":1536.5,"end":1537.22,"sentiment":"neutral","sentiment_score":-0.060216568410396576},{"text":"So if we basically just get a basic cover with with hospital, that's the best way to go because that still covers that 2%.","start":1537.22,"end":1545.225,"sentiment":"neutral","sentiment_score":0.06677303339044253},{"text":"Oh.","start":1552.745,"end":1552.905,"sentiment":"neutral","sentiment_score":-0.004925047978758812}],"sentiment":"neutral","sentiment_score":-0.00925360925288664,"num_words":36,"start":1533.86,"end":1552.905},{"sentences":[{"text":"Yeah.","start":1552.905,"end":1553.3049,"sentiment":"neutral","sentiment_score":-0.033519551157951355},{"text":"We do not I think we're we're happy to pay full price for our Cairo and his glasses because the amount that we claim on those annually is much less than what we're paying annually for health insurance, if you know what I mean.","start":1553.3049,"end":1566.5499,"sentiment":"neutral","sentiment_score":-0.13934057629243893},{"text":"Yeah.","start":1571.65,"end":1572.0499,"sentiment":"neutral","sentiment_score":-0.07384079694747925},{"text":"So 78 what's your payment?","start":1572.0499,"end":1573.75,"sentiment":"neutral","sentiment_score":-0.014491314999759197},{"text":"78.","start":1573.8099,"end":1574.71,"sentiment":"neutral","sentiment_score":-0.0019539818167686462}],"sentiment":"neutral","sentiment_score":-0.1213991588805444,"num_words":52,"start":1552.905,"end":1574.71},{"sentences":[{"text":"78.","start":1575.745,"end":1576.5449,"sentiment":"neutral","sentiment_score":-0.0010523039381951094},{"text":"16802.","start":1576.5449,"end":1578.025,"sentiment":"neutral","sentiment_score":-0.00032052103779278696},{"text":"68.","start":1578.025,"end":1578.885,"sentiment":"neutral","sentiment_score":-0.0005080917617306113},{"text":"Alright.","start":1580.865,"end":1581.1849,"sentiment":"neutral","sentiment_score":0.005321571137756109},{"text":"How many fortnights?","start":1581.1849,"end":1582.065,"sentiment":"neutral","sentiment_score":-0.0001968126161955297}],"sentiment":"neutral","sentiment_score":0.00040717379306443036,"num_words":7,"start":1575.745,"end":1582.065},{"sentences":[{"text":"Twenty six.","start":1582.065,"end":1582.5449,"sentiment":"neutral","sentiment_score":-0.0009273051982745527},{"text":"171.","start":1582.5449,"end":1587.745,"sentiment":"neutral","sentiment_score":-0.002753856824710965},{"text":"Where'd you get $1.82 from?","start":1587.745,"end":1589.525,"sentiment":"neutral","sentiment_score":-0.015697708539664745},{"text":"Because I thought it was the same as the job we just came from because I don't have pay.","start":1589.63,"end":1593.15,"sentiment":"neutral","sentiment_score":-0.11628717772270504},{"text":"Right?","start":1593.15,"end":1593.65,"sentiment":"neutral","sentiment_score":-0.03769810125231743}],"sentiment":"neutral","sentiment_score":-0.08322326742511775,"num_words":28,"start":1582.065,"end":1593.65},{"sentences":[{"text":"Yeah.","start":1596.99,"end":1597.4701,"sentiment":"neutral","sentiment_score":-0.018159793689846992},{"text":"We're actually $1,718.03 because with our hours have just gone down, boy.","start":1597.4701,"end":1602.51,"sentiment":"neutral","sentiment_score":-0.05453996593132615},{"text":"Oh, yes.","start":1602.51,"end":1603.15,"sentiment":"neutral","sentiment_score":0.011242959648370743},{"text":"Yeah.","start":1603.15,"end":1603.4701,"sentiment":"neutral","sentiment_score":0.014157898724079132},{"text":"One seventy one eighty three eight three seven roughly around the end.","start":1603.4701,"end":1608.425,"sentiment":"neutral","sentiment_score":0.006522535113617778}],"sentiment":"neutral","sentiment_score":-0.019918755195768818,"num_words":28,"start":1596.99,"end":1608.425},{"sentences":[{"text":"It's all eight point 12.","start":1609.365,"end":1613.545,"sentiment":"neutral","sentiment_score":0.007122824713587761},{"text":"You wanna be specific?","start":1613.685,"end":1614.905,"sentiment":"neutral","sentiment_score":0.008447672938928008},{"text":"Yeah.","start":1623.7001,"end":1624.2001,"sentiment":"neutral","sentiment_score":0.02143368124961853},{"text":"Yes.","start":1625.78,"end":1626.28,"sentiment":"neutral","sentiment_score":0.03181878477334976},{"text":"Work backwards.","start":1635.7151,"end":1636.435,"sentiment":"neutral","sentiment_score":0.03137636184692383}],"sentiment":"neutral","sentiment_score":0.014262308080035906,"num_words":13,"start":1609.365,"end":1636.435},{"sentences":[{"text":"Thank you.","start":1636.435,"end":1636.8351,"sentiment":"positive","sentiment_score":0.38898836076259613},{"text":"Appreciate that.","start":1636.8351,"end":1637.635,"sentiment":"positive","sentiment_score":0.3950251042842865},{"text":"Now, Larissa, now that now because our house is getting cut from twelve and a half to twelve as of December, October.","start":1637.635,"end":1645.04,"sentiment":"neutral","sentiment_score":-0.06016959978098219},{"text":"This document you sent me, is that gonna make any changes really?","start":1645.04,"end":1648.4,"sentiment":"neutral","sentiment_score":-0.04542921188597878},{"text":"Do we have to adjust anything, or is that still good to go?","start":1648.4,"end":1651.8401,"sentiment":"neutral","sentiment_score":0.045774653840523497}],"sentiment":"neutral","sentiment_score":0.0057689351413179836,"num_words":51,"start":1636.435,"end":1651.8401},{"sentences":[{"text":"Because you're still gonna do overtime anyway.","start":1651.8401,"end":1654.0,"sentiment":"neutral","sentiment_score":0.18874606915882655},{"text":"So okay.","start":1654.0,"end":1656.9,"sentiment":"neutral","sentiment_score":0.23296625167131424},{"text":"Do you wanna make a appointment with us to discuss anything to see if you're interested?","start":1657.76,"end":1661.2949,"sentiment":"neutral","sentiment_score":0.16246064566075802},{"text":"Yeah.","start":1661.755,"end":1661.875,"sentiment":"neutral","sentiment_score":0.08628750592470169},{"text":"I think I am interested.","start":1661.875,"end":1663.115,"sentiment":"neutral","sentiment_score":0.14404434561729432}],"sentiment":"neutral","sentiment_score":0.16751724361411988,"num_words":31,"start":1651.8401,"end":1663.115},{"sentences":[{"text":"It's just getting the right time to do it.","start":1663.115,"end":1665.695,"sentiment":"neutral","sentiment_score":0.14047552479637992},{"text":"I'm trying to think tomorrow.","start":1666.635,"end":1668.255,"sentiment":"neutral","sentiment_score":0.013246993720531463},{"text":"What am I gonna have to do?","start":1668.315,"end":1669.775,"sentiment":"neutral","sentiment_score":-0.005207866297236511},{"text":"Oh, we're flying out to tomorrow.","start":1669.995,"end":1673.84,"sentiment":"neutral","sentiment_score":-0.04668057647844156},{"text":"We might have to leave it.","start":1673.84,"end":1674.7999,"sentiment":"neutral","sentiment_score":-0.06302777491509914}],"sentiment":"neutral","sentiment_score":0.01926695513115688,"num_words":33,"start":1663.115,"end":1674.7999},{"sentences":[{"text":"Yeah.","start":1674.7999,"end":1675.04,"sentiment":"neutral","sentiment_score":0.0009592454880475998},{"text":"Maybe I can make contact when I've got more time.","start":1675.04,"end":1677.28,"sentiment":"neutral","sentiment_score":0.008294677827507257},{"text":"The third and fourth of October.","start":1677.28,"end":1678.66,"sentiment":"neutral","sentiment_score":-0.0029267887584865093},{"text":"I'm not certain.","start":1679.44,"end":1680.42,"sentiment":"neutral","sentiment_score":-0.08083505043759942},{"text":"Yep.","start":1687.215,"end":1687.715,"sentiment":"neutral","sentiment_score":-0.08628295361995697}],"sentiment":"neutral","sentiment_score":-0.01249727684383591,"num_words":21,"start":1674.7999,"end":1687.715},{"sentences":[{"text":"Oh, I'm not.","start":1689.135,"end":1689.695,"sentiment":"neutral","sentiment_score":-0.10458412269751231},{"text":"I heard your message.","start":1689.695,"end":1690.675,"sentiment":"neutral","sentiment_score":-0.042334954254329205},{"text":"Mhmm.","start":1692.495,"end":1692.995,"sentiment":"neutral","sentiment_score":-0.1284632682800293},{"text":"Yeah.","start":1693.615,"end":1694.115,"sentiment":"neutral","sentiment_score":-0.12536412477493286},{"text":"I'm just about killed Casper numerous times.","start":1694.815,"end":1697.315,"sentiment":"neutral","sentiment_score":-0.15847525000572205}],"sentiment":"neutral","sentiment_score":-0.11539039551280439,"num_words":16,"start":1689.135,"end":1697.315},{"sentences":[{"text":"Three years in.","start":1698.87,"end":1700.01,"sentiment":"neutral","sentiment_score":-0.04925509418050448},{"text":"No.","start":1706.55,"end":1707.05,"sentiment":"negative","sentiment_score":-0.3351270258426666},{"text":"This yeah.","start":1718.275,"end":1719.875,"sentiment":"neutral","sentiment_score":0.010071786120533943},{"text":"The thirteenth.","start":1719.875,"end":1720.6151,"sentiment":"neutral","sentiment_score":0.011443790514022112},{"text":"I think I've got an appointment.","start":1720.675,"end":1721.895,"sentiment":"neutral","sentiment_score":0.020173429511487484}],"sentiment":"neutral","sentiment_score":-0.02277289843186736,"num_words":14,"start":1698.87,"end":1721.895},{"sentences":[{"text":"One second.","start":1721.9551,"end":1722.515,"sentiment":"neutral","sentiment_score":0.015358394011855125},{"text":"But the thirteenth might be might work.","start":1722.515,"end":1725.7351,"sentiment":"neutral","sentiment_score":0.02085250137107713},{"text":"Just gotta check.","start":1726.07,"end":1728.95,"sentiment":"neutral","sentiment_score":0.00453764076034228},{"text":"I know I've got an appointment that day.","start":1728.95,"end":1731.37,"sentiment":"neutral","sentiment_score":0.0025171010056510568},{"text":"Oh, no.","start":1732.31,"end":1732.87,"sentiment":"neutral","sentiment_score":0.006695220246911049}],"sentiment":"neutral","sentiment_score":0.010173839474604889,"num_words":22,"start":1721.9551,"end":1732.87},{"sentences":[{"text":"I've got someone here to do that day.","start":1732.87,"end":1734.73,"sentiment":"neutral","sentiment_score":0.019550012657418847},{"text":"It's okay.","start":1734.79,"end":1735.35,"sentiment":"neutral","sentiment_score":0.1493387259542942},{"text":"We'll touch base because then we're going to New Zealand, so we're a good month out.","start":1735.35,"end":1738.995,"sentiment":"neutral","sentiment_score":0.1537620285525918},{"text":"Yeah.","start":1740.675,"end":1741.175,"sentiment":"neutral","sentiment_score":0.11897998303174973},{"text":"But yeah.","start":1742.195,"end":1743.175,"sentiment":"neutral","sentiment_score":0.2091221809387207}],"sentiment":"neutral","sentiment_score":0.11905152947995169,"num_words":29,"start":1732.87,"end":1743.175},{"sentences":[{"text":"Oh, yeah.","start":1743.675,"end":1745.175,"sentiment":"neutral","sentiment_score":0.09423217922449112},{"text":"Yep.","start":1749.315,"end":1749.715,"sentiment":"neutral","sentiment_score":0.06548072397708893},{"text":"It's Keriana, k e r I a n a k a w, like, h I a at gmail dot com.","start":1749.715,"end":1764.73,"sentiment":"neutral","sentiment_score":0.02641533766873181},{"text":"Thank you.","start":1776.805,"end":1777.4451,"sentiment":"positive","sentiment_score":0.5663066804409027},{"text":"And being just going for your document, Where is the date for the contributions to come out?","start":1777.4451,"end":1783.33,"sentiment":"neutral","sentiment_score":0.07599261753699359}],"sentiment":"neutral","sentiment_score":0.07635094511455723,"num_words":42,"start":1743.675,"end":1783.33},{"sentences":[{"text":"Is that on the next page?","start":1783.87,"end":1785.33,"sentiment":"neutral","sentiment_score":0.05809771145383517},{"text":"Yes.","start":1791.15,"end":1791.65,"sentiment":"neutral","sentiment_score":0.061336033046245575},{"text":"Okay.","start":1799.965,"end":1800.465,"sentiment":"neutral","sentiment_score":0.10063055902719498},{"text":"Yes.","start":1805.725,"end":1806.06,"sentiment":"neutral","sentiment_score":0.2274187207221985},{"text":"Yeah.","start":1825.865,"end":1826.105,"sentiment":"neutral","sentiment_score":0.05984766036272049}],"sentiment":"neutral","sentiment_score":0.07978192418813705,"num_words":10,"start":1783.87,"end":1826.105},{"sentences":[{"text":"I'll be pay.","start":1826.105,"end":1826.9249,"sentiment":"neutral","sentiment_score":0.050596492985884346},{"text":"Sorry.","start":1827.625,"end":1828.025,"sentiment":"neutral","sentiment_score":-0.026281002908945084},{"text":"One last thing.","start":1828.025,"end":1828.745,"sentiment":"neutral","sentiment_score":-0.036724161356687546},{"text":"We're also not claiming the tax free threshold.","start":1828.745,"end":1832.72,"sentiment":"neutral","sentiment_score":-0.16280758380889893},{"text":"That's not an issue with what he's about to sign up for.","start":1832.86,"end":1836.4,"sentiment":"neutral","sentiment_score":-0.08655751806994279}],"sentiment":"neutral","sentiment_score":-0.0861412924196985,"num_words":27,"start":1826.105,"end":1836.4},{"sentences":[{"text":"Because we thought that and we have a little pot at the end of the financial year.","start":1841.18,"end":1847.735,"sentiment":"neutral","sentiment_score":-0.16580362179700067},{"text":"I don't know.","start":1848.2749,"end":1849.095,"sentiment":"neutral","sentiment_score":-0.15512373050053915},{"text":"Yeah.","start":1850.0349,"end":1850.5349,"sentiment":"neutral","sentiment_score":-0.00952221266925335},{"text":"Yeah.","start":1862.61,"end":1863.11,"sentiment":"neutral","sentiment_score":-0.00402030348777771},{"text":"Do you know are you able to calculate what that might look like or you're not really sure because it depends on what we make, obviously?","start":1863.97,"end":1870.47,"sentiment":"neutral","sentiment_score":-0.04536698586665667}],"sentiment":"neutral","sentiment_score":-0.09327326897376527,"num_words":48,"start":1841.18,"end":1870.47},{"sentences":[{"text":"Or rough idea?","start":1871.745,"end":1872.805,"sentiment":"neutral","sentiment_score":-0.03026571124792099},{"text":"Okay.","start":1875.745,"end":1876.225,"sentiment":"neutral","sentiment_score":0.01424661185592413},{"text":"Because then we add that to the 4.5 that that we will get from him making those extra contributions.","start":1876.225,"end":1884.725,"sentiment":"neutral","sentiment_score":0.20496557025532974},{"text":"Yeah.","start":1886.95,"end":1887.45,"sentiment":"neutral","sentiment_score":0.05507456883788109},{"text":"Okay.","start":1888.07,"end":1888.57,"sentiment":"neutral","sentiment_score":0.022177549079060555}],"sentiment":"neutral","sentiment_score":0.1558018972352147,"num_words":25,"start":1871.745,"end":1888.57},{"sentences":[{"text":"I have one more question.","start":1888.71,"end":1889.75,"sentiment":"neutral","sentiment_score":-0.0243986826390028},{"text":"I was struggling I'm struggling to sign.","start":1889.75,"end":1892.41,"sentiment":"neutral","sentiment_score":-0.09697442927530833},{"text":"I'm on this document and I signed, and then it says multi multi something.","start":1892.79,"end":1898.25,"sentiment":"neutral","sentiment_score":-0.0034868241054937243},{"text":"Alright.","start":1929.4149,"end":1929.9149,"sentiment":"neutral","sentiment_score":0.2016834318637848},{"text":"I think we shall try and let you go now.","start":1929.975,"end":1932.475,"sentiment":"neutral","sentiment_score":0.23170194923877716}],"sentiment":"neutral","sentiment_score":0.04511008023385059,"num_words":37,"start":1888.71,"end":1932.475},{"sentences":[{"text":"Yes, sir.","start":1932.7749,"end":1933.515,"sentiment":"neutral","sentiment_score":0.1335531324148178},{"text":"Thanks for your help.","start":1934.695,"end":1936.075,"sentiment":"positive","sentiment_score":0.6112354844808578},{"text":"Yeah.","start":1940.63,"end":1941.11,"sentiment":"neutral","sentiment_score":0.1375284492969513},{"text":"I I just signed it, so you'll send me through a form to for the bank stuff to come out.","start":1941.11,"end":1947.6699,"sentiment":"neutral","sentiment_score":0.16222015991806985},{"text":"Correct?","start":1947.6699,"end":1948.1699,"sentiment":"neutral","sentiment_score":0.1074969470500946}],"sentiment":"neutral","sentiment_score":0.22148131419505393,"num_words":28,"start":1932.7749,"end":1948.1699},{"sentences":[{"text":"Okay.","start":1954.405,"end":1954.905,"sentiment":"neutral","sentiment_score":0.10818074643611908},{"text":"Okay.","start":1954.965,"end":1955.465,"sentiment":"neutral","sentiment_score":0.04912390187382698},{"text":"Can it be on a computer?","start":1955.605,"end":1957.625,"sentiment":"neutral","sentiment_score":0.02877795385817687},{"text":"Because I'm back at camp, so I don't have access to a printer and stuff like that.","start":1957.6849,"end":1961.73,"sentiment":"neutral","sentiment_score":-0.030870096977142727},{"text":"It'll be a Thursday.","start":1970.61,"end":1972.23,"sentiment":"neutral","sentiment_score":0.032807511277496815}],"sentiment":"neutral","sentiment_score":-0.0021927321393942012,"num_words":29,"start":1954.405,"end":1972.23},{"sentences":[{"text":"So it'll be next Thursday for this Saturday day?","start":1972.53,"end":1975.8049,"sentiment":"neutral","sentiment_score":0.03502214430934853},{"text":"Yeah.","start":1976.745,"end":1977.065,"sentiment":"neutral","sentiment_score":0.014351464807987211},{"text":"Not the Thursday, the following.","start":1977.065,"end":1978.845,"sentiment":"neutral","sentiment_score":-0.018032584711909293},{"text":"Yeah.","start":1979.065,"end":1979.385,"sentiment":"neutral","sentiment_score":0.03120702318847179},{"text":"Following.","start":1979.385,"end":1979.785,"sentiment":"neutral","sentiment_score":0.02427816018462181}],"sentiment":"neutral","sentiment_score":0.017345471965039477,"num_words":17,"start":1972.53,"end":1979.785},{"sentences":[{"text":"So Thursday, the The eighth.","start":1979.785,"end":1981.945,"sentiment":"neutral","sentiment_score":0.03367807380855083},{"text":"Yep.","start":1981.945,"end":1982.345,"sentiment":"neutral","sentiment_score":0.0939790904521942},{"text":"That's correct.","start":1982.345,"end":1983.165,"sentiment":"neutral","sentiment_score":0.14108873903751373},{"text":"And every fortnight from then?","start":1984.505,"end":1986.585,"sentiment":"neutral","sentiment_score":0.0680729553103447},{"text":"Yeah.","start":1986.585,"end":1986.78,"sentiment":"neutral","sentiment_score":0.03562856838107109}],"sentiment":"neutral","sentiment_score":0.06575287732162646,"num_words":14,"start":1979.785,"end":1986.78},{"sentences":[{"text":"Cool.","start":1991.42,"end":1991.66,"sentiment":"positive","sentiment_score":0.5876096487045288},{"text":"So you'll be able to send through our levy figures and our potential return, yeah, with tax free threshold and all of that.","start":1991.66,"end":2006.2949,"sentiment":"neutral","sentiment_score":0.20744875041039093},{"text":"Yeah.","start":2006.515,"end":2007.015,"sentiment":"neutral","sentiment_score":0.2560427188873291},{"text":"Thank you.","start":2007.955,"end":2008.515,"sentiment":"positive","sentiment_score":0.6629342138767242},{"text":"I need to have someone in between even calls from New Zealand, and we'll share it with you.","start":2008.515,"end":2012.0349,"sentiment":"neutral","sentiment_score":0.156014589799775}],"sentiment":"neutral","sentiment_score":0.21664677047067218,"num_words":45,"start":1991.42,"end":2012.0349},{"sentences":[{"text":"That's fine.","start":2012.0349,"end":2012.775,"sentiment":"neutral","sentiment_score":0.2764059752225876},{"text":"Alright.","start":2013.235,"end":2013.475,"sentiment":"positive","sentiment_score":0.39907050132751465},{"text":"Thank you very much.","start":2013.475,"end":2014.355,"sentiment":"positive","sentiment_score":0.7745028734207153},{"text":"Thanks, Laura.","start":2014.355,"end":2015.1749,"sentiment":"positive","sentiment_score":0.7252783477306366},{"text":"You too.","start":2017.6609,"end":2018.3009,"sentiment":"positive","sentiment_score":0.5354705452919006}],"sentiment":"positive","sentiment_score":0.5973992483182387,"num_words":11,"start":2012.0349,"end":2018.3009},{"sentences":[{"text":"See you.","start":2018.3009,"end":2018.9609,"sentiment":"positive","sentiment_score":0.5154108703136444},{"text":"Bye.","start":2019.0209,"end":2019.5209,"sentiment":"neutral","sentiment_score":0.23083746433258057}],"sentiment":"positive","sentiment_score":0.4205530683199565,"num_words":3,"start":2018.3009,"end":2019.5209}]}}]}],"paragraphs":{"transcript":"\nChannel 1: So what are your questions here?\n\nChannel 0: Good morning, Casper. It's Larissa. How are you going?\n\nChannel 1: Good. And yourself?\n\nChannel 0: Yeah. Really, really good. Thank you. How can I\n\nChannel 1: I got my wife here and she got some questions. Her name is Kiriana. So I got you on speaker phone.\n\nChannel 0: help? Hi, Koyana. How are you going?\n\nChannel 1: Hi. Good. Thanks. I just wanted to know if you can walk me through your advice about doing contributions. I just wanted to understand it a bit better.\n\nThat's all.\n\nChannel 0: Alright. Absolutely. More than happy to. Did you have any, like, specific questions, or did you want me to just kinda walk\n\nChannel 1: Yeah. I haven't actually had time to read what you've sent through. But so is this different to doing extra contributions through we just basically wanna better don't wanna get smashed by tax, but also we'll have more money in in super at the same time, I would think. So is\n\nChannel 0: Yeah.\n\nChannel 1: this the\n\nChannel 0: Yeah.\n\nChannel 1: be is this the best\n\nChannel 0: Okay.\n\nChannel 1: way to go about that? Or\n\nChannel 0: So what what I'd recommended after talking with Casper with respect to, I guess, cash flow availability and where things sat was that what we could do would would be to after Casper got his pay from his employer, so that is his net income. So after his tax was being paid from his gross income and his net income pay is paid in, we set up basically a contribution strategy into his hub twenty four fund for $400 a fortnight. And what that does is that puts that money into his super fund each fortnight. So dollar cost averaging across the year that $400. Now what we do from there is that at the end of the financial year, after the voluntary contributions are placed, we submit a really easy form.\n\nAnd, actually, I do that on your behalf every year. So I basically submit them within the first week or two of the July period after the financial year's roll. And we submit that form, and what that does is that converts those contributions into claimable contributions. It means that it's already it already gets sent through to the ATO, so there's nothing you really need to do. But you do get sent a receipt to basically say that you have verification and and confirmation that it has been done.\n\nBut it gives you an automatic deduction to your tax return, and it means that the tax return is going to claim any of that tax that you've paid during the year back, and you're gonna get a nice a bigger tax return at that point. So if you have a look at the document when you have a chance to, on page nine of the statement of advice, basically, what it's going to do is it's going to reduce without considering any of the other claimables that you could possibly claim. Is it going to convert and it's gonna decrease your income, and your taxable income is going to decrease from about $52,000 down to 47,994, which means that there's about $4,056 that you will get back on your tax return by putting this money in.\n\nChannel 1: Okay. So did you say those contributions are coming out once we've already been taxed?\n\nChannel 0: Yep. So you get taxed at your at your marginal rate with your employer, and\n\nChannel 1: Yeah.\n\nChannel 0: then and then that money goes in and you claim that tax back when you do your tax return. So it works out the same as if you were to say salary sacrifice, but this is just a bit of a a saving strategy to give you that little bit more back during your tax return rather than each week through or each fortnight through your pay\n\nChannel 1: But but the other way the original way I was thinking is to pay a pretax amount to Super to\n\nChannel 0: cycle.\n\nChannel 1: bring\n\nChannel 0: Yep.\n\nChannel 1: to bring our tax bracket down. But at the end of the financial year, we don't get a return. It just stays there.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: which\n\nChannel 0: it\n\nChannel 1: which which way is better?\n\nChannel 0: it it really honestly works out much muchness in terms of, like, the exact same amount of taxes paid if you salary sacrifice throughout the year versus if you were to versus if you did this strategy. The difference is is that throughout the year, you're able to compound on the higher amount being inside your super fund\n\nChannel 1: I see.\n\nChannel 0: Mhmm. Rather than having less because your super fund doesn't pay tax while the money is in the fund in this strategy. It's once I submit that form, then the super fund pays any tax applicable rather than paying it throughout the year.\n\nChannel 1: I don't understand how it brings down our tax bracket if you're paying into your super after you've already been taxed.\n\nChannel 0: So what happens is right now, Casper's income is a $182,000.\n\nChannel 1: Yeah.\n\nChannel 0: So he is taxed based on a $182,000 marginally throughout the year. So\n\nChannel 1: Yep.\n\nChannel 0: if we don't if we do no salary sacrifice, what that means is that each fortnight, his gross income is this amount, and he pays tax based on that amount that's paid. So he\n\nChannel 1: Yeah.\n\nChannel 0: receives\n\nChannel 1: I get\n\nChannel 0: his\n\nChannel 1: that.\n\nChannel 0: his net income. Now\n\nChannel 1: Yep.\n\nChannel 0: if he were to salary sacrifice, what that means is they take money from the gross income and they push that over to the super fund. The super fund pays 15% tax on the contributions, and he is then taxed at his marginal rate on the remaining remaining funds, which based on the recommendation of $400 a fortnight, would mean that his income goes down to a $171,000\n\nChannel 1: So it is it is it is sent to the super before texting if that's what you're saying.\n\nChannel 0: So that that is under the salary sacrifice, which is what you're which is what you're sort of explaining or you what what you're\n\nChannel 1: Yeah.\n\nChannel 0: asking about. On my side, what happens or what I've recommended is that\n\nChannel 1: Yeah.\n\nChannel 0: he continues to be taxed at a 182,000.\n\nChannel 1: Yeah.\n\nChannel 0: After he gets paid, he then puts $400 in out of his net income. So he's already paid the tax.\n\nChannel 1: Yep.\n\nChannel 0: The money goes into the super fund, and then he\n\nChannel 1: Mhmm.\n\nChannel 0: claims the tax back at the end of the financial year. So he'll get the he gets the tax back. It just comes to him as a lump sum rather than coming\n\nChannel 1: Yes.\n\nChannel 0: to him each fortnight. But the exact same outcome happens\n\nChannel 1: I see.\n\nChannel 0: in terms of tax paid.\n\nChannel 1: You'll\n\nChannel 0: It's\n\nChannel 1: just\n\nChannel 0: just\n\nChannel 1: get a payment\n\nChannel 0: a lot\n\nChannel 1: at\n\nChannel 0: yeah.\n\nChannel 1: the end of the year and a lump sum as opposed to getting the discount, like, a lot less rates every fortnight.\n\nChannel 0: Correct. Yeah.\n\nChannel 1: Okay. I get that.\n\nChannel 0: And it yeah.\n\nChannel 1: I think I'd prefer the other way because it's a bit of a hit. But what yeah. What's the benefit of doing it the way you're saying? Because you're getting that compound?\n\nChannel 0: We get you get the compounding interest by having the larger amount in the super fund during the year.\n\nChannel 1: I see.\n\nChannel 0: Yeah. And it means that in terms of, like, money given back to you because Casper indicated that you guys have quite a decent cash flow at the moment in terms of money that you're putting in way into savings.\n\nChannel 1: Yes.\n\nChannel 0: So the amount that I've pushed through won't affect what you're currently putting away, and it means when you get that lump sum paid to you, you'll able you're able to just put that straight into your savings account.\n\nChannel 1: Yes. If we do it your way, we get a lump sum at the end of the year. If we do it the way I initially thought, it'll just be a less money coming out of fortnight.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: Okay. Less money coming out of fortnight, but also more money in super. Is that not because we're gonna end up taking it out at the end of the year if we go your way. Is that correct? Or no.\n\nThere's still that extra money there. We're just getting the interest the the taxable bit\n\nChannel 0: Yes. So the your the the ATO,\n\nChannel 1: back.\n\nChannel 0: when you submit your tax return, the ATO will pay you the tax back. Because\n\nChannel 1: Yeah.\n\nChannel 0: it basically\n\nChannel 1: But our but our extra contributions are still staying in super.\n\nChannel 0: yeah. Yeah. The contributions stay in the super funds. Yeah. They don't they don't come out.\n\nChannel 1: Yeah. What we're getting back is not part of the contribution. It's just the tech\n\nChannel 0: No.\n\nChannel 1: stuff side of it.\n\nChannel 0: Yeah. What you what you get what\n\nChannel 1: Oh,\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: get\n\nChannel 1: see.\n\nChannel 0: paid back is is the ATO, basically. Basically, what happens is you are submitting a $10,400\n\nChannel 1: See.\n\nChannel 0: deduction to your income, essentially. So when I submit that form to the fund, you end up just getting a $10,400 deduction. So it's like you have $10,000 worth of claimables that you're able to claim on your income. So when you submit your tax return, you know, how when you do your tax, you're trying to ask, you know, do you have any laundry to claim? Do you have any, you know, electricity or consumables or anything, travel that you've used?\n\nThis is basically, like, an extra extra little item that you are submitting as a claimable.\n\nChannel 1: Yep. I get it.\n\nChannel 0: Yeah.\n\nChannel 1: So how much did you say he would get back of that 10,000, so to speak? 4,056.\n\nChannel 0: Four thousand fifty 6.\n\nChannel 1: 4,056. Okay. And is that the maximum amount we can put through a fortnight? He can. Sorry.\n\nChannel 0: No. So there's two there's two documents in like, oh, well, there's there's, I guess, two documents that I've sent through. One's a statement of advice. The other one is the appendix, which I just closed. But the other one is the appendix, and what the appendix has is it has a couple other other considerations for Casper to look at.\n\nOne\n\nChannel 1: I know\n\nChannel 0: was\n\nChannel 1: you\n\nChannel 0: three\n\nChannel 1: got\n\nChannel 0: 100\n\nChannel 1: it open.\n\nChannel 0: and one was 500.\n\nChannel 1: Yes.\n\nChannel 0: The 300 per fortnight didn't really work out that like, it it it was it was great. Don't be wrong, but it didn't work out as great. And the 500 a fortnight, there's a couple of considerations that you do like, that need to be made, and that\n\nChannel 1: Reached the consistent old cap.\n\nChannel 0: is correct that you've reached\n\nChannel 1: Mhmm.\n\nChannel 0: the concessional cap. However, Casper has enough room that he is actually able to look back and take from unused caps over the previous years.\n\nChannel 1: Oh, yep.\n\nChannel 0: So it's not going to affect him tax wise. It's not going to breach anything, and he's going to have he has the capacity to be able to do the 500. We just have to keep a close eye on it over, like, within the next five years,\n\nChannel 1: Yes.\n\nChannel 0: But it's not\n\nChannel 1: Yes.\n\nChannel 0: drastically bad. Like, it's not an issue.\n\nChannel 1: I\n\nChannel 0: It's\n\nChannel 1: see\n\nChannel 0: just\n\nChannel 1: what\n\nChannel 0: in\n\nChannel 1: you're doing\n\nChannel 0: five years'\n\nChannel 1: here.\n\nChannel 0: time, we're gonna have to make sure that we're definitely a little bit\n\nChannel 1: Still within\n\nChannel 0: more\n\nChannel 1: that.\n\nChannel 0: strict.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And how much does he get back if he does 500 a fortnight? What's the end result?\n\nChannel 0: Now you're\n\nChannel 1: So\n\nChannel 0: testing\n\nChannel 1: do\n\nChannel 0: me.\n\nChannel 1: we have that here?\n\nChannel 0: I'm just\n\nChannel 1: Just\n\nChannel 0: gonna\n\nChannel 1: trying\n\nChannel 0: have\n\nChannel 1: to see\n\nChannel 0: a look.\n\nChannel 1: on your paperwork. I can't really\n\nChannel 0: No.\n\nChannel 1: see.\n\nChannel 0: You're okay. I will just sorry. I stupidly closed the document. I went to go and swap\n\nChannel 1: Okay.\n\nChannel 0: documents and press press the x instead of the other one. So, essentially, 500. So 500, instead of paying 52 in tax, he'll pay $475.41, which means it'll be 4.5 $450.09 in terms of tax\n\nChannel 1: That's\n\nChannel 0: back.\n\nChannel 1: not much more than the 400 contribution. Was it around\n\nChannel 0: No.\n\nChannel 1: the same? That 400\n\nChannel 0: It's\n\nChannel 1: dollars something.\n\nChannel 0: it's because it's in the it still keeps him in the same tax bracket.\n\nChannel 1: Oh, yeah. I see. Yeah.\n\nChannel 0: So\n\nChannel 1: You know?\n\nChannel 0: Casper doesn't drop a tax bracket by doing any of these because he's on the higher side of his current tax bracket. So the tax bracket that Casper's in is from 135 up to a 190. He's sitting sitting at a 182,000, so\n\nChannel 1: Yep.\n\nChannel 0: he's sitting really high in that in that tax bracket. So unless we're gonna pop, you know, like, a a a good solid $50.60 grand into the fund, which is gonna eat into you guys and your cash flow, so it's not really gonna work.\n\nChannel 1: Yep.\n\nChannel 0: It's he's not gonna drop a tax bracket.\n\nChannel 1: What is there another tax bracket above that one? That's the\n\nChannel 0: Yep.\n\nChannel 1: the\n\nChannel 0: Above,\n\nChannel 1: $19.02?\n\nChannel 0: yeah, above $1.90. So it basically goes from there's no tax from zero to to 18,200. There's no tax paid there. From 18,201 up to 45, 16%. From 45,000 up to a 135, it's 30.\n\nFrom $1.35 to $1.90, it's 37. And then from $1.90 up, it's that that $40.45.\n\nChannel 1: K. Because we're gonna be doing overtime. So we're gonna I'm pretty sure we're gonna go over the $1.90 with us doing overtime.\n\nChannel 0: Mhmm.\n\nChannel 1: So does that change anything\n\nChannel 0: It\n\nChannel 1: apart from the tax rate, obviously?\n\nChannel 0: it it'll change the tax rates, but it'll it'll mean that you'll get a bigger tax break. Because if you go over the one ninety, it's just gonna improve your tax outcome because all of a sudden your taxable amount's gonna increase. So\n\nChannel 1: Yeah.\n\nChannel 0: it will actually\n\nChannel 1: I see.\n\nChannel 0: improve the tax outcome. If he earns, like, a 140 or sorry. I should say a 120, it looks worse, but it's still a bit of tax savings.\n\nChannel 1: Yeah. Okay. What are what are these cost here? Fee comparison.\n\nChannel 0: That's\n\nChannel 1: Date. A half that's for day job. I got it a super year. That's for\n\nChannel 0: yeah.\n\nChannel 1: Eight month fee. Oh, so it's a thousand annually. Is it? Thousand and 34. Is that what that means?\n\nOh, no. Total\n\nChannel 0: Which document\n\nChannel 1: sorry.\n\nChannel 0: are you looking\n\nChannel 1: What page are we on, Casper? We're on page 13. 13. Of what you sent through.\n\nChannel 0: at? 1,034 is his insurance premiums.\n\nChannel 1: Okay. So what so what are what is he paying you to do all this? What's the fee for your guys' contributions? Annually. Annually.\n\nChannel 0: So our fee is that 1,003\n\nChannel 1: K.\n\nChannel 0: 20\n\nChannel 1: Oh, yeah.\n\nChannel 0: 7. And what we do is we we do advice like this. We do his investment advice. We make sure that all the investment options in the fund are appropriate. We make sure that, you know, if there's a market drop or anything like that or any of the assets are no longer fit for purpose, that we adjust, pivot, change, get rid of them, that we're not sitting in anything\n\nChannel 1: Yep.\n\nChannel 0: that's stagnating available for you guys to call at, you know, any point to ask these questions\n\nChannel 1: Yeah.\n\nChannel 0: because super funds don't answer these, unfortunately. So that that's what we're available to do.\n\nChannel 1: Okay. Can I ask something, Melissa? I just saw in\n\nChannel 0: Of\n\nChannel 1: the\n\nChannel 0: course.\n\nChannel 1: document that you don't the same as the beneficiary one. I see you only have my first name on there, not my second name. Is that gonna be alright?\n\nChannel 0: On which document?\n\nChannel 1: You got given name, Casper. Family name is Farandesh. My middle name is not on on there. You don't need to. I'm just asking.\n\nChannel 0: No. No. No. That's absolutely fine. Your first and last name are absolutely appropriate.\n\nChannel 1: Okay.\n\nChannel 0: Don't get me wrong. If you want your entire name to to be listed, we can. But first and last name name is\n\nChannel 1: Mhmm.\n\nChannel 0: absolutely appropriate. Yeah.\n\nChannel 1: I just I just added in my last name. My middle name's on the beneficiary paperwork I got, which I need to send off. So yeah.\n\nChannel 0: Yes. I know that Caden was giving you a hand with those earlier.\n\nChannel 1: Yeah. Cool. Alright. Sorry. I did have a\n\nChannel 0: No.\n\nChannel 1: question.\n\nChannel 0: No.\n\nChannel 1: I was\n\nChannel 0: Of course.\n\nChannel 1: just gone. Is your guys fee is it a set price or does it obviously, it probably changes annually with everything else that changes in the world?\n\nChannel 0: It does it does change annually, but there is a form that Casper signs to nominate to sign on for a year, and we, during\n\nChannel 1: Yeah.\n\nChannel 0: that that period, disclose the fee.\n\nChannel 1: And how much did it go up from the last, like, you know, the last price cost rise, how much difference was that?\n\nChannel 0: Our fee calculation didn't change. So the way we we charge up oh, sorry. I have the hiccups now. The way we charge our fees is based on, like, 1.65% of the balance. And what\n\nChannel 1: K.\n\nChannel 0: we what we used to do is that would fluctuate and change based on the growth of the account. And\n\nChannel 1: Yeah.\n\nChannel 0: if there was a market fall, obviously, then that you know, there was a market fall, and we would charge that per right across the year. What we do now is we actually based on the date that we make the recommendation, we calculate 1.65% of the account balance, and we just set that as the account fee. So it means that it doesn't fluctuate. You know exactly what's coming out month to month, and and and that's that's sort of how it goes. So it means as your account balance increases, as your contributions keep getting added to the account and you have that growth, the account balance doesn't change.\n\nSo it works out generally a lot better for you.\n\nChannel 1: But if if if his if his super is not doing well, you guys are still getting your your pay like, you know, your your fee isn't dropping with the super that's potential like, just say his super balance dropped.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Your guys' fee is not dropping. It's staying the same. Is that correct?\n\nChannel 0: Yes. Yeah. So on that side is that if the account balance did did drop, our fee doesn't drop with that side.\n\nChannel 1: Has his account dropped at all since he's been with you guys? Has his\n\nChannel 0: There there has definitely been fluctuation to it. Don't get me wrong, but I wouldn't say\n\nChannel 1: but\n\nChannel 0: that there's\n\nChannel 1: in\n\nChannel 0: been\n\nChannel 1: in the\n\nChannel 0: a\n\nChannel 1: bigger\n\nChannel 0: significant\n\nChannel 1: picture,\n\nChannel 0: drop.\n\nChannel 1: annually, has it ever dropped globally over the year? Like, as\n\nChannel 0: Yes.\n\nChannel 1: a whole.\n\nChannel 0: There's been there's been moments where it's dropped, but it hasn't ever dropped and not recovered, if that makes sense.\n\nChannel 1: Yeah. That's what my dear. So it has\n\nChannel 0: Yeah.\n\nChannel 1: recovered.\n\nChannel 0: Yeah. Yes. Yeah. Definitely recovered. The like, the\n\nChannel 1: Recovered\n\nChannel 0: account does\n\nChannel 1: and\n\nChannel 0: fluctuate.\n\nChannel 1: and gained or just recovered and hit the, like, plateau sort of thing? You know what I\n\nChannel 0: No.\n\nChannel 1: mean?\n\nChannel 0: Yeah. No. It it has recovered quite well. Like, Casper's only been with his Hub twenty four account for, like, a\n\nChannel 1: Two\n\nChannel 0: month\n\nChannel 1: months.\n\nChannel 0: now. Yeah.\n\nChannel 1: Right.\n\nChannel 0: A month. A month tomorrow. Previously, he was with Netwealth, and I have had a look at that account. And, yeah, it it it would would drop and recover and make more. It never went through a period of time where it didn't recover or didn't didn't make money.\n\nDon't be wrong. There there were periods of time there that it did sort of drop for a few months, but it always recovered and and made.\n\nChannel 1: Yeah. Okay. Okay. Thank you. I don't\n\nChannel 0: That's\n\nChannel 1: I'm not a part of what he's my super isn't going through that. In in fact, I'm quite blind with what my super is doing, so I'm just wondering whether I need to sign up\n\nChannel 0: okay.\n\nChannel 1: so that\n\nChannel 0: Yeah.\n\nChannel 1: it's been over overseen. You know what I mean? Because at the moment, just doing whatever it's doing.\n\nChannel 0: Yeah, I know. Casper and I actually spoke about your side of things last Thursday when we spoke, and and he did tell me that he was likely gonna give me a call this morning. So I wasn't shocked when when\n\nChannel 1: Yeah.\n\nChannel 0: when the team said that you were giving that you were there. But I'd be more than happy to have a a a conversation with you to be able to go through and just get a bit of information. So our initial consultation's complimentary. We we just go through, have a discussion about what your goals are, what you're wanting to achieve. The cool thing is is because Casper's already a client, I can kinda combine everything together and give you guys a whole overview of the two of you as a couple.\n\nChannel 1: Yep.\n\nChannel 0: Because, obviously, the the hope is to retire together\n\nChannel 1: Yeah.\n\nChannel 0: and,\n\nChannel 1: Yep.\n\nChannel 0: you know, set off into the sunset, so to speak.\n\nChannel 1: Yep.\n\nChannel 0: So we can do some more, like, joint based planning moving forward, which which\n\nChannel 1: So\n\nChannel 0: is\n\nChannel 1: what are you guys what what is your not status, but what's what are you guys, like, financial advisers? What are you?\n\nChannel 0: cool. Yeah. So I'm a qualified financial adviser. Oakview\n\nChannel 1: Okay.\n\nChannel 0: is a financial planning firm. So Caden, who you spoke to, and Michelle, who you spoke to, they are part of my beautiful administration team, and they support, answer questions, assist with documentation. And and, basically, what we do is we help with not only super insurance, but we can help with a lot\n\nChannel 1: Yeah.\n\nChannel 0: of wider advice pieces as well. So it can come down to budgeting. It can come down to, you know, purchase of houses, lots of different sort of little niche\n\nChannel 1: Okay.\n\nChannel 0: things as\n\nChannel 1: What\n\nChannel 0: well.\n\nChannel 1: about what about health insurance? Do you know much about health insurance?\n\nChannel 0: Do know a lot about it, but it's not an area of advice that we can give because that is general insurance. We're not we don't do general insurance. No financial\n\nChannel 1: Yeah.\n\nChannel 0: advice at will.\n\nChannel 1: I see. Yeah. We're just thinking I mean, we we paid health insurance for another long, and we\n\nChannel 0: Yeah.\n\nChannel 1: don't we haven't we don't use a lot of what we signed up for, and I'm just I know some people that don't have health insurance, and it's all good, but I don't know how to fix your tax at the end of the year.\n\nChannel 0: I mean,\n\nChannel 1: Do\n\nChannel 0: we\n\nChannel 1: you\n\nChannel 0: can\n\nChannel 1: know?\n\nChannel 0: we can definitely talk about sort of, I guess, what you get in tax concessions by having health insurance versus if you don't. And\n\nChannel 1: Yeah.\n\nChannel 0: then you're able to have that information to then make an informed decision as to whether you cut your plan, get rid of your plan, or drop your plan down too. So I know there are\n\nChannel 1: Yeah.\n\nChannel 0: a few few providers that do exist from personal research\n\nChannel 1: Yeah.\n\nChannel 0: that basically do really basic tax plans that, like, the the whole point of the plan is you pay a little bit of money. It doesn't give you a lot of coverage, but it's way better than the tax you pay.\n\nChannel 1: Yeah. Because, I mean, I've I've had a lot of health things appointments, and my health fund doesn't doesn't cover a lot of them, what I had done, but Medicare did. So what's the point in having\n\nChannel 0: Yeah.\n\nChannel 1: it if Medicare is gonna help me out? You know what I mean?\n\nChannel 0: Oh, no. I know. It it it kills me every time. I, you know,\n\nChannel 1: So,\n\nChannel 0: take the\n\nChannel 1: yeah,\n\nChannel 0: take\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: just\n\nChannel 0: kids\n\nChannel 1: wondered\n\nChannel 0: to the dentist and Medicare covers it.\n\nChannel 1: yeah. I just wondered if what's the pros and cons of having or not having Health Fund and just. But I know it's got something to do with the tax at the end of the year. You might pay a little more. You might your refund might not be as as good or yeah.\n\nI'm not too sure, to be honest. I just thought you might know.\n\nChannel 0: Yeah. So, basically, there's a there's a Medicare levy that exists. If you don't have private health insurance, you pay the levy. If you do, you get an exemption.\n\nChannel 1: Okay.\n\nChannel 0: And the levy is the 2% of wages based on different brackets and so on and so forth.\n\nChannel 1: It's\n\nChannel 0: And\n\nChannel 1: 2%\n\nChannel 0: yeah.\n\nChannel 1: of your income.\n\nChannel 0: Yeah. Based on\n\nChannel 1: I\n\nChannel 0: different\n\nChannel 1: see.\n\nChannel 0: brackets and but, essentially speaking, what happens is if you don't have private health that covers hospital, it's not the extras that a private health cares about. It's it's literally just the private health hospital cover. If\n\nChannel 1: Yes.\n\nChannel 0: you don't have the hospital cover, then you get stung with the levy. If you do have the cover, then\n\nChannel 1: Yeah.\n\nChannel 0: you don't get stung with the levy.\n\nChannel 1: So you need to you need to calculate what your levy is worth and put it up against what you're paying annually for your health insurance and see which one's\n\nChannel 0: Better.\n\nChannel 1: better\n\nChannel 0: Yep.\n\nChannel 1: off,\n\nChannel 0: Pretty much.\n\nChannel 1: basically.\n\nChannel 0: What I mean, can I ask? Because what I can do is I can\n\nChannel 1: Yep.\n\nChannel 0: calculate both of your levies today, and I\n\nChannel 1: Yep.\n\nChannel 0: can send you an email and be like, this is your breakdown of your tax, blah\n\nChannel 1: Yeah.\n\nChannel 0: blah blah.\n\nChannel 1: That'll be great.\n\nChannel 0: What's your income?\n\nChannel 1: Oh, that one's me. The same as Casper.\n\nChannel 0: Okay.\n\nChannel 1: What did\n\nChannel 0: So\n\nChannel 1: you work\n\nChannel 0: I'll\n\nChannel 1: yours out on WorkPac? I just went a 182. Well, yes. We work we're we're casual at the moment. So we\n\nChannel 0: Yeah.\n\nChannel 1: we work 20 oh, it's gonna go down, isn't it? Hours. Hang on. Sorry. I'll just talk about it really quickly.\n\nChannel 0: No. You're okay.\n\nChannel 1: Well, most of all she's doing that, you know, with\n\nChannel 0: Yeah.\n\nChannel 1: the 2% because when I first come to Australia, I didn't have it for a couple of years. So\n\nChannel 0: Mhmm.\n\nChannel 1: I think mine is 28%, but then they buy it between the two of two of us on tax time. So ours would actually be is it 2% for a year or is it at 14% for the year tax time because you didn't have it for a period of time?\n\nChannel 0: Oh, Right. You're talking about the if you're over 30 when you get it put in place, you\n\nChannel 1: Yes.\n\nChannel 0: pay a high\n\nChannel 1: Yes.\n\nChannel 0: no. That's that's the that's that's different. And what that is is that's basically a insurer based thing. So the insurance company sent around and went, well, the older you get, the more likely you are to claim. And if you didn't have our cover before you turned 30 and you're doing this now because you are 30 and you realize that things are starting to happen health wise, you're gonna pay a higher premium.\n\nThat's totally different to\n\nChannel 1: No.\n\nChannel 0: the the Medicare levy side.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: that's why it's better to to have it than not let it not have it during the year because you get yeah. Okay. It's got nothing to do with this Yeah. Going yeah. So if\n\nChannel 0: Yeah.\n\nChannel 1: we basically just get a basic cover with with hospital, that's the best way to go because that still covers that 2%.\n\nChannel 0: It'll be the cheapest way, but it just depends on whether you have other things that you wanna claim, which is where the extras come in.\n\nChannel 1: Oh.\n\nChannel 0: So,\n\nChannel 1: Yeah.\n\nChannel 0: like, the\n\nChannel 1: We\n\nChannel 0: dent\n\nChannel 1: do not\n\nChannel 0: the dentist can\n\nChannel 1: I\n\nChannel 0: be\n\nChannel 1: think\n\nChannel 0: expensive.\n\nChannel 1: we're we're\n\nChannel 0: Optical\n\nChannel 1: happy to\n\nChannel 0: can\n\nChannel 1: pay\n\nChannel 0: be expensive.\n\nChannel 1: full price for our Cairo and his glasses because the amount that we claim on those annually is much less than what we're paying annually for health insurance, if you know what I mean.\n\nChannel 0: Yes. No. Definitely. No. I I get it too.\n\nI it it it literally kills.\n\nChannel 1: Yeah. So 78 what's your payment? 78. 78. 16802.\n\n68. Alright. How many fortnights? Twenty six. 171.\n\nWhere'd you get $1.82 from? Because I thought it was the same as the job we just came from because I don't have pay. Right? Yeah. We're actually $1,718.03 because with our hours have just gone down, boy.\n\nOh, yes. Yeah. One seventy one eighty three eight three seven roughly around the end.\n\nChannel 0: Okay. 1\n\nChannel 1: It's\n\nChannel 0: 718837.\n\nChannel 1: all eight point\n\nChannel 0: Alright.\n\nChannel 1: 12. You wanna be specific?\n\nChannel 0: You wanna be specific? No. That's cool. Alright. Well, I can I can work out what the levy would be based on that?\n\nI'll also work it out on the 82,000 to account for, say, 10\n\nChannel 1: Yeah.\n\nChannel 0: grand worth of worth of\n\nChannel 1: Yes.\n\nChannel 0: overtime for the year. And and I'll just I'll throw those figures at you so that way you have it all broken down nicely and you can work backwards.\n\nChannel 1: Work backwards. Thank you. Appreciate that. Now,\n\nChannel 0: No.\n\nChannel 1: Larissa,\n\nChannel 0: That's okay.\n\nChannel 1: now that now because our house is getting cut from twelve and a half to twelve as of December, October. This document you sent me, is that gonna make any changes really? Do we have to adjust anything, or is that still\n\nChannel 0: No.\n\nChannel 1: good to go? Because you're still gonna do overtime anyway. So\n\nChannel 0: Still good to go.\n\nChannel 1: okay. Do you wanna make a appointment with us to discuss anything to see if you're interested? Yeah. I think I am interested. It's just getting the right time to do it.\n\nI'm trying to think tomorrow. What am I gonna have to do? Oh, we're flying out to tomorrow. We might have to leave it. Yeah.\n\nMaybe I can make contact when I've got more time. The third and fourth of October. I'm\n\nChannel 0: We can\n\nChannel 1: not\n\nChannel 0: we\n\nChannel 1: certain.\n\nChannel 0: can we can book it for a couple of weeks out. I'm pretty unavailable this week anyway because I'm booked out, and then it's my\n\nChannel 1: Yep.\n\nChannel 0: ten year wedding anniversary\n\nChannel 1: Oh, I'm not.\n\nChannel 0: on\n\nChannel 1: I\n\nChannel 0: Thursday.\n\nChannel 1: heard your message.\n\nChannel 0: Thank you. I haven't killed\n\nChannel 1: Mhmm.\n\nChannel 0: him yet.\n\nChannel 1: Yeah. I'm just about killed Casper numerous times.\n\nChannel 0: Yeah. Always. We do.\n\nChannel 1: Three years in.\n\nChannel 0: So, yeah, we're fifteen years just shy of fifteen years together, ten years married. So I'm taking\n\nChannel 1: No.\n\nChannel 0: him away to get away from the kids in life. And so, anyway, the week of like, I could probably do Friday the ninth or the following week, which would be the week of the October 12. That'd be\n\nChannel 1: This yeah. The thirteenth. I think I've got an appointment. One second. But the thirteenth might be might work.\n\nJust gotta check. I know I've got an appointment that day. Oh, no. I've got someone here to do that day. It's okay.\n\nWe'll touch base because then we're going to New Zealand, so we're a good month out.\n\nChannel 0: No problems\n\nChannel 1: Yeah.\n\nChannel 0: at all.\n\nChannel 1: But\n\nChannel 0: Perfect.\n\nChannel 1: yeah. Oh,\n\nChannel 0: Oh, did you wanna give\n\nChannel 1: yeah.\n\nChannel 0: me your email address? And I'll I can just send you an email so you can touch base that way.\n\nChannel 1: Yep. It's Keriana, k e r I a n a\n\nChannel 0: Yep.\n\nChannel 1: k a w,\n\nChannel 0: K a w.\n\nChannel 1: like,\n\nChannel 0: Yep.\n\nChannel 1: h I a\n\nChannel 0: Yep.\n\nChannel 1: at gmail dot com.\n\nChannel 0: Amazing. I'll send you an email. I'll cc you in on the email that I sent to to Casper, but I'll I'll send you a separate email so you can reach out when you have a moment free.\n\nChannel 1: Thank you. And being just going for your document, Where is the date for the contributions to come out? Is that on the next page?\n\nChannel 0: That is in your like, when you're ready to set this up. So if\n\nChannel 1: Yes.\n\nChannel 0: you authorize this, basically, it's a matter of you tell me the day you want the contributions to come out, and there are two\n\nChannel 1: Okay.\n\nChannel 0: ways that we can set this up. One is that I set up a regular saving strategy where the money\n\nChannel 1: Yes.\n\nChannel 0: will just be deducted from your account to save you the headache of having to think about it, or the other is you control it and you have the money you send the money to the fund. The first option. Cool. And then you just need to tell me the date that you want it to happen, whether you want it to be on a Monday or a Friday or a blah blah blah.\n\nChannel 1: Yeah. I'll be pay. Sorry. One last thing. We're also not claiming the tax free threshold.\n\nThat's not an issue with what he's about to sign up for.\n\nChannel 0: Why are you not claiming the tax free threshold?\n\nChannel 1: Because we thought that and we have a little pot at the end of the financial year.\n\nChannel 0: Yeah.\n\nChannel 1: I don't\n\nChannel 0: No.\n\nChannel 1: know.\n\nChannel 0: No. No. Absolutely. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. It's absolutely fine. All it means is that your employer pay like, they exclude the tax free threshold when they're paying you each fortnight. And, again, you're just gonna end up with even more at the end of the financial year. It's not really an issue.\n\nChannel 1: Yeah. Do you know are you able to calculate what that might look like or you're not really sure because it depends on what we make, obviously?\n\nChannel 0: I can\n\nChannel 1: Or rough\n\nChannel 0: calculate\n\nChannel 1: idea?\n\nChannel 0: it. Yeah. I can give you a rough idea.\n\nChannel 1: Okay. Because then we add that to the 4.5 that that we will get from him making those extra contributions.\n\nChannel 0: Correct.\n\nChannel 1: Yeah. Okay. I have one more question.\n\nChannel 0: That's\n\nChannel 1: I was struggling\n\nChannel 0: oh,\n\nChannel 1: I'm\n\nChannel 0: no.\n\nChannel 1: struggling\n\nChannel 0: You're okay.\n\nChannel 1: to sign. I'm on this document and I signed, and then it says multi multi something.\n\nChannel 0: So that yep. So that that little box there above the signature is if you wanted to go ahead with the three, the four, or the five, you would just write in that I wanna proceed with 500,000 per oh, sorry. $5,500 per fortnight. So that way, my team knows when they're setting up that savings strategy that they that's what you you've agreed to go ahead with. So if you wanna alter the advice.\n\nIf you wanna go ahead with 400, you just say just put a dot net. You don't have to do anything else.\n\nChannel 1: Alright. I think we shall try and let you go now. Yes,\n\nChannel 0: No.\n\nChannel 1: sir.\n\nChannel 0: You're so fine.\n\nChannel 1: Thanks\n\nChannel 0: Oh,\n\nChannel 1: for your help.\n\nChannel 0: that's okay. I'll get all those emails sent out to you. And if there's any questions, you can shoot an email\n\nChannel 1: Yeah. I I just signed it, so you'll send me through a form to for the bank stuff to come out. Correct?\n\nChannel 0: back. Yes. I will. My team will do that this week. They'll get forms out to you to set up the automatic savings\n\nChannel 1: Okay. Okay. Can it be on a computer? Because I'm back at camp, so I don't have access to a printer and stuff like\n\nChannel 0: strategy.\n\nChannel 1: that.\n\nChannel 0: It definitely can be on a computer. And can you confirm, while you and I are on the phone, what day is it that you would want the savings plan to come\n\nChannel 1: It'll be a Thursday. So it'll be next Thursday for this Saturday day?\n\nChannel 0: out? So\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Not\n\nChannel 0: would\n\nChannel 1: the Thursday, the following. Yeah. Following.\n\nChannel 0: be Thursday\n\nChannel 1: So Thursday,\n\nChannel 0: the eighth.\n\nChannel 1: the The eighth. Yep. That's correct.\n\nChannel 0: And\n\nChannel 1: And\n\nChannel 0: that\n\nChannel 1: every\n\nChannel 0: is\n\nChannel 1: fortnight\n\nChannel 0: the\n\nChannel 1: from then?\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: That's the start date. A n. Perfect.\n\nChannel 1: Cool. So\n\nChannel 0: Done.\n\nChannel 1: you'll be able to send through our levy figures and\n\nChannel 0: Mhmm.\n\nChannel 1: our potential\n\nChannel 0: Tax savings\n\nChannel 1: return,\n\nChannel 0: side. Yep.\n\nChannel 1: yeah, with tax free threshold and all of that. Yeah.\n\nChannel 0: Definitely can.\n\nChannel 1: Thank you. I need to have someone in between even calls from New Zealand, and we'll share it with you. That's fine. Alright. Thank you very much.\n\nThanks, Laura.\n\nChannel 0: That's okay, guys. Have a great day.\n\nChannel 1: You too. See you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"So what are your questions here?","start":1.4399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.019322868747015793}],"sentiment":"neutral","sentiment_score":0.019322868747015793,"channel":1,"num_words":6,"start":1.4399999,"end":3.1399999},{"sentences":[{"text":"Good morning, Casper.","start":3.6799998,"end":4.7999997,"sentiment":"positive","sentiment_score":0.37922197580337524},{"text":"It's Larissa.","start":4.7999997,"end":5.52,"sentiment":"neutral","sentiment_score":0.30434101819992065},{"text":"How are you going?","start":5.52,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.30905015766620636}],"sentiment":"neutral","sentiment_score":0.33139428827497697,"channel":0,"num_words":9,"start":3.6799998,"end":6.3399997},{"sentences":[{"text":"Good.","start":6.7999997,"end":7.12,"sentiment":"positive","sentiment_score":0.3869891464710235},{"text":"And yourself?","start":7.12,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.21102143079042435}],"sentiment":"neutral","sentiment_score":0.2696773360172907,"channel":1,"num_words":3,"start":6.7999997,"end":7.7799997},{"sentences":[{"text":"Yeah.","start":8.4,"end":8.88,"sentiment":"positive","sentiment_score":0.41987788677215576},{"text":"Really, really good.","start":8.88,"end":10.08,"sentiment":"positive","sentiment_score":0.7454815904299418},{"text":"Thank you.","start":10.08,"end":10.9,"sentiment":"positive","sentiment_score":0.7695862054824829},{"text":"How can I","start":11.36,"end":12.42,"sentiment":"neutral","sentiment_score":0.24614137411117554}],"sentiment":"positive","sentiment_score":0.5482132434844971,"channel":0,"num_words":9,"start":8.4,"end":12.42},{"sentences":[{"text":"I got my wife here and she got some questions.","start":13.5199995,"end":15.975,"sentiment":"neutral","sentiment_score":0.12020117491483688},{"text":"Her name is Kiriana.","start":16.055,"end":17.195,"sentiment":"neutral","sentiment_score":0.08273253031075001},{"text":"So I got you on speaker phone.","start":17.415,"end":19.115,"sentiment":"neutral","sentiment_score":0.08072274391140256}],"sentiment":"neutral","sentiment_score":0.09990481322719938,"channel":1,"num_words":21,"start":13.5199995,"end":19.115},{"sentences":[{"text":"help?","start":19.005,"end":19.505,"sentiment":"neutral","sentiment_score":0.06881473958492279},{"text":"Hi, Koyana.","start":19.884998,"end":20.765,"sentiment":"neutral","sentiment_score":0.10142722725868225},{"text":"How are you going?","start":20.765,"end":21.744999,"sentiment":"neutral","sentiment_score":0.13383420556783676}],"sentiment":"neutral","sentiment_score":0.11528657376766205,"channel":0,"num_words":7,"start":19.005,"end":21.744999},{"sentences":[{"text":"Hi.","start":21.975,"end":22.215,"sentiment":"neutral","sentiment_score":0.1892659962177277},{"text":"Good.","start":22.215,"end":22.375,"sentiment":"positive","sentiment_score":0.4179157018661499},{"text":"Thanks.","start":22.375,"end":22.775,"sentiment":"positive","sentiment_score":0.5277005434036255},{"text":"I just wanted to know if you can walk me through your advice about doing contributions.","start":22.775,"end":31.25,"sentiment":"neutral","sentiment_score":0.17519785929471254},{"text":"I just wanted to understand it a bit better.","start":31.25,"end":33.329998,"sentiment":"neutral","sentiment_score":0.09082009808884726}],"sentiment":"neutral","sentiment_score":0.16983674546437605,"channel":1,"num_words":28,"start":21.975,"end":33.329998},{"sentences":[{"text":"That's all.","start":33.329998,"end":34.149998,"sentiment":"neutral","sentiment_score":0.13216803222894669}],"sentiment":"neutral","sentiment_score":0.13216803222894669,"channel":1,"num_words":2,"start":33.329998,"end":34.149998},{"sentences":[{"text":"Alright.","start":33.68,"end":34.18,"sentiment":"neutral","sentiment_score":0.3168003261089325},{"text":"Absolutely.","start":34.8,"end":35.3,"sentiment":"positive","sentiment_score":0.5311964750289917},{"text":"More than happy to.","start":35.68,"end":36.72,"sentiment":"positive","sentiment_score":0.6912829130887985},{"text":"Did you have any, like, specific questions, or did you want me to just kinda walk","start":36.72,"end":40.005,"sentiment":"neutral","sentiment_score":0.16447599325329065}],"sentiment":"neutral","sentiment_score":0.2838520157066258,"channel":0,"num_words":22,"start":33.68,"end":40.005},{"sentences":[{"text":"Yeah.","start":40.37,"end":40.69,"sentiment":"neutral","sentiment_score":0.08068430423736572},{"text":"I haven't actually had time to read what you've sent through.","start":40.69,"end":43.489998,"sentiment":"neutral","sentiment_score":0.01815730942921205},{"text":"But so is this different to doing extra contributions through we just basically wanna better don't wanna get smashed by tax, but also we'll have more money in in super at the same time, I would think.","start":43.489998,"end":57.42,"sentiment":"neutral","sentiment_score":0.020018037182052393},{"text":"So is","start":57.899998,"end":58.059998,"sentiment":"neutral","sentiment_score":0.011610577814280987}],"sentiment":"neutral","sentiment_score":0.020476534104376446,"channel":1,"num_words":51,"start":40.37,"end":58.059998},{"sentences":[{"text":"Yeah.","start":58.02,"end":58.42,"sentiment":"neutral","sentiment_score":0.029840031638741493}],"sentiment":"neutral","sentiment_score":0.029840031638741493,"channel":0,"num_words":1,"start":58.02,"end":58.42},{"sentences":[{"text":"this the","start":58.059998,"end":58.46,"sentiment":"neutral","sentiment_score":0.02291229460388422}],"sentiment":"neutral","sentiment_score":0.02291229460388422,"channel":1,"num_words":2,"start":58.059998,"end":58.46},{"sentences":[{"text":"Yeah.","start":58.42,"end":58.92,"sentiment":"neutral","sentiment_score":0.03551046922802925}],"sentiment":"neutral","sentiment_score":0.03551046922802925,"channel":0,"num_words":1,"start":58.42,"end":58.92},{"sentences":[{"text":"be is this the best","start":58.46,"end":59.98,"sentiment":"neutral","sentiment_score":0.036554872244596484}],"sentiment":"neutral","sentiment_score":0.036554872244596484,"channel":1,"num_words":5,"start":58.46,"end":59.98},{"sentences":[{"text":"Okay.","start":59.86,"end":60.36,"sentiment":"neutral","sentiment_score":0.03975197672843933}],"sentiment":"neutral","sentiment_score":0.03975197672843933,"channel":0,"num_words":1,"start":59.86,"end":60.36},{"sentences":[{"text":"way to go about that?","start":59.98,"end":61.179996,"sentiment":"neutral","sentiment_score":0.021352632343769072},{"text":"Or","start":61.179996,"end":61.679996,"sentiment":"neutral","sentiment_score":0.01422559842467308}],"sentiment":"neutral","sentiment_score":0.020164793357253075,"channel":1,"num_words":6,"start":59.98,"end":61.679996},{"sentences":[{"text":"So what what I'd recommended after talking with Casper with respect to, I guess, cash flow availability and where things sat was that what we could do would would be to after Casper got his pay from his employer, so that is his net income.","start":62.02,"end":79.705,"sentiment":"neutral","sentiment_score":0.05109635964035988},{"text":"So after his tax was being paid from his gross income and his net income pay is paid in, we set up basically a contribution strategy into his hub twenty four fund for $400 a fortnight.","start":79.705,"end":93.100006,"sentiment":"neutral","sentiment_score":0.08055259701278475},{"text":"And what that does is that puts that money into his super fund each fortnight.","start":93.975006,"end":98.775,"sentiment":"neutral","sentiment_score":0.10125200500090917},{"text":"So dollar cost averaging across the year that $400.","start":98.775,"end":103.355,"sentiment":"neutral","sentiment_score":0.0632783290412691},{"text":"Now what we do from there is that at the end of the financial year, after the voluntary contributions are placed, we submit a really easy form.","start":103.655,"end":112.759995,"sentiment":"neutral","sentiment_score":0.11636676446155265}],"sentiment":"neutral","sentiment_score":0.07901073752366232,"channel":0,"num_words":132,"start":62.02,"end":112.759995},{"sentences":[{"text":"And, actually, I do that on your behalf every year.","start":112.759995,"end":115.88,"sentiment":"neutral","sentiment_score":0.1588822767138481},{"text":"So I basically submit them within the first week or two of the July period after the financial year's roll.","start":115.88,"end":123.725006,"sentiment":"neutral","sentiment_score":0.11328468881547452},{"text":"And we submit that form, and what that does is that converts those contributions into claimable contributions.","start":124.825005,"end":131.085,"sentiment":"neutral","sentiment_score":0.14954702117863825},{"text":"It means that it's already it already gets sent through to the ATO, so there's nothing you really need to do.","start":131.545,"end":137.085,"sentiment":"neutral","sentiment_score":0.17333486853610902},{"text":"But you do get sent a receipt to basically say that you have verification and and confirmation that it has been done.","start":137.26001,"end":143.44,"sentiment":"positive","sentiment_score":0.36371626230803406}],"sentiment":"neutral","sentiment_score":0.20042895459466512,"channel":0,"num_words":90,"start":112.759995,"end":143.44},{"sentences":[{"text":"But it gives you an automatic deduction to your tax return, and it means that the tax return is going to claim any of that tax that you've paid during the year back, and you're gonna get a nice a bigger tax return at that point.","start":144.06001,"end":158.335,"sentiment":"positive","sentiment_score":0.5989419364410898},{"text":"So if you have a look at the document when you have a chance to, on page nine of the statement of advice, basically, what it's going to do is it's going to reduce without considering any of the other claimables that you could possibly claim.","start":158.55501,"end":171.58,"sentiment":"neutral","sentiment_score":0.21411457196201966},{"text":"Is it going to convert and it's gonna decrease your income, and your taxable income is going to decrease from about $52,000 down to 47,994, which means that there's about $4,056 that you will get back on your tax return by putting this money in.","start":171.8,"end":189.435,"sentiment":"neutral","sentiment_score":0.28147979494598174}],"sentiment":"positive","sentiment_score":0.36545394276724247,"channel":0,"num_words":137,"start":144.06001,"end":189.435},{"sentences":[{"text":"Okay.","start":190.0,"end":190.32,"sentiment":"neutral","sentiment_score":0.08431252092123032},{"text":"So did you say those contributions are coming out once we've already been taxed?","start":190.32,"end":194.74,"sentiment":"neutral","sentiment_score":0.08104835876396724}],"sentiment":"neutral","sentiment_score":0.08126596957445145,"channel":1,"num_words":15,"start":190.0,"end":194.74},{"sentences":[{"text":"Yep.","start":195.51,"end":195.91,"sentiment":"neutral","sentiment_score":0.16069218516349792},{"text":"So you get taxed at your at your marginal rate with your employer, and","start":195.91,"end":200.15,"sentiment":"neutral","sentiment_score":0.14599614537187985}],"sentiment":"neutral","sentiment_score":0.14697588135798773,"channel":0,"num_words":15,"start":195.51,"end":200.15},{"sentences":[{"text":"Yeah.","start":200.095,"end":200.595,"sentiment":"neutral","sentiment_score":0.15432988107204437}],"sentiment":"neutral","sentiment_score":0.15432988107204437,"channel":1,"num_words":1,"start":200.095,"end":200.595},{"sentences":[{"text":"then and then that money goes in and you claim that tax back when you do your tax return.","start":200.15,"end":204.97,"sentiment":"neutral","sentiment_score":0.25631294752422135},{"text":"So it works out the same as if you were to say salary sacrifice, but this is just a bit of a a saving strategy to give you that little bit more back during your tax return rather than each week through or each fortnight through your pay","start":205.295,"end":217.65,"sentiment":"neutral","sentiment_score":0.2197574715440472}],"sentiment":"neutral","sentiment_score":0.23012394980708165,"channel":0,"num_words":67,"start":200.15,"end":217.65},{"sentences":[{"text":"But but the other way the original way I was thinking is to pay a pretax amount to Super to","start":219.39,"end":228.975,"sentiment":"neutral","sentiment_score":0.028930099867284297}],"sentiment":"neutral","sentiment_score":0.028930099867284297,"channel":1,"num_words":20,"start":219.39,"end":228.975},{"sentences":[{"text":"cycle.","start":228.93,"end":229.17,"sentiment":"neutral","sentiment_score":0.11172010004520416}],"sentiment":"neutral","sentiment_score":0.11172010004520416,"channel":0,"num_words":1,"start":228.93,"end":229.17},{"sentences":[{"text":"bring","start":228.975,"end":229.475,"sentiment":"neutral","sentiment_score":0.17362618446350098}],"sentiment":"neutral","sentiment_score":0.17362618446350098,"channel":1,"num_words":1,"start":228.975,"end":229.475},{"sentences":[{"text":"Yep.","start":229.17,"end":229.665,"sentiment":"neutral","sentiment_score":0.17720620334148407}],"sentiment":"neutral","sentiment_score":0.17720620334148407,"channel":0,"num_words":1,"start":229.17,"end":229.665},{"sentences":[{"text":"to bring our tax bracket down.","start":230.015,"end":232.195,"sentiment":"neutral","sentiment_score":0.170673797527949},{"text":"But at the end of the financial year, we don't get a return.","start":232.335,"end":235.295,"sentiment":"neutral","sentiment_score":-0.10331426904751705},{"text":"It just stays there.","start":235.295,"end":236.595,"sentiment":"neutral","sentiment_score":-0.048924269154667854}],"sentiment":"neutral","sentiment_score":-0.022379990829073864,"channel":1,"num_words":23,"start":230.015,"end":236.595},{"sentences":[{"text":"Yeah.","start":236.94499,"end":237.42499,"sentiment":"neutral","sentiment_score":0.1056315004825592}],"sentiment":"neutral","sentiment_score":0.1056315004825592,"channel":0,"num_words":1,"start":236.94499,"end":237.42499},{"sentences":[{"text":"So","start":237.375,"end":237.615,"sentiment":"neutral","sentiment_score":0.05193640664219856}],"sentiment":"neutral","sentiment_score":0.05193640664219856,"channel":1,"num_words":1,"start":237.375,"end":237.615},{"sentences":[{"text":"So","start":237.42499,"end":237.745,"sentiment":"neutral","sentiment_score":0.01804133504629135}],"sentiment":"neutral","sentiment_score":0.01804133504629135,"channel":0,"num_words":1,"start":237.42499,"end":237.745},{"sentences":[{"text":"which","start":237.615,"end":237.935,"sentiment":"neutral","sentiment_score":0.02128128707408905}],"sentiment":"neutral","sentiment_score":0.02128128707408905,"channel":1,"num_words":1,"start":237.615,"end":237.935},{"sentences":[{"text":"it","start":237.745,"end":238.245,"sentiment":"neutral","sentiment_score":0.049172550439834595}],"sentiment":"neutral","sentiment_score":0.049172550439834595,"channel":0,"num_words":1,"start":237.745,"end":238.245},{"sentences":[{"text":"which which way is better?","start":237.935,"end":239.79,"sentiment":"neutral","sentiment_score":0.04471070319414139}],"sentiment":"neutral","sentiment_score":0.04471070319414139,"channel":1,"num_words":5,"start":237.935,"end":239.79},{"sentences":[{"text":"it it really honestly works out much muchness in terms of, like, the exact same amount of taxes paid if you salary sacrifice throughout the year versus if you were to versus if you did this strategy.","start":240.305,"end":256.45,"sentiment":"positive","sentiment_score":0.3367653968366417},{"text":"The difference is is that throughout the year, you're able to compound on the higher amount being inside your super fund","start":256.875,"end":264.015,"sentiment":"positive","sentiment_score":0.40355558906282696}],"sentiment":"positive","sentiment_score":0.36094805264267427,"channel":0,"num_words":58,"start":240.305,"end":264.015},{"sentences":[{"text":"I see.","start":264.525,"end":265.26498,"sentiment":"positive","sentiment_score":0.3566584885120392}],"sentiment":"positive","sentiment_score":0.3566584885120392,"channel":1,"num_words":2,"start":264.525,"end":265.26498},{"sentences":[{"text":"Mhmm.","start":265.035,"end":265.535,"sentiment":"neutral","sentiment_score":-0.003153725760057569},{"text":"Rather than having less because your super fund doesn't pay tax while the money is in the fund in this strategy.","start":266.39502,"end":272.84,"sentiment":"neutral","sentiment_score":-0.018415189747299467},{"text":"It's once I submit that form, then the super fund pays any tax applicable rather than paying it throughout the year.","start":272.84,"end":279.5,"sentiment":"neutral","sentiment_score":0.098154442828326}],"sentiment":"neutral","sentiment_score":0.0388690834637558,"channel":0,"num_words":43,"start":265.035,"end":279.5},{"sentences":[{"text":"I don't understand how it brings down our tax bracket if you're paying into your super after you've already been taxed.","start":279.92502,"end":288.345,"sentiment":"negative","sentiment_score":-0.470347014211473}],"sentiment":"negative","sentiment_score":-0.470347014211473,"channel":1,"num_words":21,"start":279.92502,"end":288.345},{"sentences":[{"text":"So what happens is right now, Casper's income is a $182,000.","start":289.815,"end":296.76,"sentiment":"neutral","sentiment_score":0.006759341918619943}],"sentiment":"neutral","sentiment_score":0.006759341918619943,"channel":0,"num_words":11,"start":289.815,"end":296.76},{"sentences":[{"text":"Yeah.","start":297.46,"end":297.96,"sentiment":"neutral","sentiment_score":0.014728885143995283}],"sentiment":"neutral","sentiment_score":0.014728885143995283,"channel":1,"num_words":1,"start":297.46,"end":297.96},{"sentences":[{"text":"So he is taxed based on a $182,000 marginally throughout the year.","start":297.72,"end":303.66,"sentiment":"neutral","sentiment_score":-0.00728111807256937},{"text":"So","start":303.96002,"end":304.12,"sentiment":"neutral","sentiment_score":0.029122941195964813}],"sentiment":"neutral","sentiment_score":-0.0044808058211436635,"channel":0,"num_words":13,"start":297.72,"end":304.12},{"sentences":[{"text":"Yep.","start":304.1,"end":304.395,"sentiment":"neutral","sentiment_score":0.07831554859876633}],"sentiment":"neutral","sentiment_score":0.07831554859876633,"channel":1,"num_words":1,"start":304.1,"end":304.395},{"sentences":[{"text":"if we don't if we do no salary sacrifice, what that means is that each fortnight, his gross income is this amount, and he pays tax based on that amount that's paid.","start":304.12,"end":313.495,"sentiment":"neutral","sentiment_score":-0.0132815690303687},{"text":"So he","start":313.495,"end":313.895,"sentiment":"neutral","sentiment_score":0.053949812427163124}],"sentiment":"neutral","sentiment_score":-0.009326781885808004,"channel":0,"num_words":34,"start":304.12,"end":313.895},{"sentences":[{"text":"Yeah.","start":313.75497,"end":314.07498,"sentiment":"neutral","sentiment_score":0.13918179273605347}],"sentiment":"neutral","sentiment_score":0.13918179273605347,"channel":1,"num_words":1,"start":313.75497,"end":314.07498},{"sentences":[{"text":"receives","start":313.895,"end":314.29498,"sentiment":"neutral","sentiment_score":0.15728400647640228}],"sentiment":"neutral","sentiment_score":0.15728400647640228,"channel":0,"num_words":1,"start":313.895,"end":314.29498},{"sentences":[{"text":"I get","start":314.07498,"end":314.395,"sentiment":"neutral","sentiment_score":0.17526055872440338}],"sentiment":"neutral","sentiment_score":0.17526055872440338,"channel":1,"num_words":2,"start":314.07498,"end":314.395},{"sentences":[{"text":"his","start":314.29498,"end":314.53497,"sentiment":"neutral","sentiment_score":0.2185807824134827}],"sentiment":"neutral","sentiment_score":0.2185807824134827,"channel":0,"num_words":1,"start":314.29498,"end":314.53497},{"sentences":[{"text":"that.","start":314.395,"end":314.895,"sentiment":"neutral","sentiment_score":0.17298856377601624}],"sentiment":"neutral","sentiment_score":0.17298856377601624,"channel":1,"num_words":1,"start":314.395,"end":314.895},{"sentences":[{"text":"his net income.","start":314.53497,"end":315.51498,"sentiment":"neutral","sentiment_score":0.14398367951313654},{"text":"Now","start":316.055,"end":316.375,"sentiment":"neutral","sentiment_score":0.029009614139795303}],"sentiment":"neutral","sentiment_score":0.11524016316980124,"channel":0,"num_words":4,"start":314.53497,"end":316.375},{"sentences":[{"text":"Yep.","start":316.235,"end":316.59,"sentiment":"neutral","sentiment_score":0.0483412891626358}],"sentiment":"neutral","sentiment_score":0.0483412891626358,"channel":1,"num_words":1,"start":316.235,"end":316.59},{"sentences":[{"text":"if he were to salary sacrifice, what that means is they take money from the gross income and they push that over to the super fund.","start":316.375,"end":323.175,"sentiment":"neutral","sentiment_score":-0.04030574027162332},{"text":"The super fund pays 15% tax on the contributions, and he is then taxed at his marginal rate on the remaining remaining funds, which based on the recommendation of $400 a fortnight, would mean that his income goes down to a $171,000","start":323.175,"end":340.065,"sentiment":"neutral","sentiment_score":0.06734877558691162}],"sentiment":"neutral","sentiment_score":0.026186754817471784,"channel":0,"num_words":68,"start":316.375,"end":340.065},{"sentences":[{"text":"So it is it is it is sent to the super before texting if that's what you're saying.","start":340.605,"end":345.26,"sentiment":"neutral","sentiment_score":0.018843679171469476}],"sentiment":"neutral","sentiment_score":0.018843679171469476,"channel":1,"num_words":18,"start":340.605,"end":345.26},{"sentences":[{"text":"So that that is under the salary sacrifice, which is what you're which is what you're sort of explaining or you what what you're","start":345.505,"end":351.825,"sentiment":"neutral","sentiment_score":-0.04949775586525599}],"sentiment":"neutral","sentiment_score":-0.04949775586525599,"channel":0,"num_words":24,"start":345.505,"end":351.825},{"sentences":[{"text":"Yeah.","start":351.56003,"end":352.06003,"sentiment":"neutral","sentiment_score":-0.049376629292964935}],"sentiment":"neutral","sentiment_score":-0.049376629292964935,"channel":1,"num_words":1,"start":351.56003,"end":352.06003},{"sentences":[{"text":"asking about.","start":351.825,"end":352.62,"sentiment":"neutral","sentiment_score":-0.0429015327244997},{"text":"On my side, what happens or what I've recommended is that","start":352.86,"end":356.46,"sentiment":"neutral","sentiment_score":-0.058149748566475784}],"sentiment":"neutral","sentiment_score":-0.055803869206171766,"channel":0,"num_words":13,"start":351.825,"end":356.46},{"sentences":[{"text":"Yeah.","start":356.12003,"end":356.565,"sentiment":"neutral","sentiment_score":-0.06308940052986145}],"sentiment":"neutral","sentiment_score":-0.06308940052986145,"channel":1,"num_words":1,"start":356.12003,"end":356.565},{"sentences":[{"text":"he continues to be taxed at a 182,000.","start":356.46,"end":359.28,"sentiment":"neutral","sentiment_score":-0.17405236512422562}],"sentiment":"neutral","sentiment_score":-0.17405236512422562,"channel":0,"num_words":8,"start":356.46,"end":359.28},{"sentences":[{"text":"Yeah.","start":359.765,"end":360.265,"sentiment":"neutral","sentiment_score":-0.07382801175117493}],"sentiment":"neutral","sentiment_score":-0.07382801175117493,"channel":1,"num_words":1,"start":359.765,"end":360.265},{"sentences":[{"text":"After he gets paid, he then puts $400 in out of his net income.","start":360.46,"end":364.69998,"sentiment":"neutral","sentiment_score":-0.09469588899186679},{"text":"So he's already paid the tax.","start":364.69998,"end":366.225,"sentiment":"neutral","sentiment_score":-0.10763675471146901}],"sentiment":"neutral","sentiment_score":-0.09857814870774746,"channel":0,"num_words":20,"start":360.46,"end":366.225},{"sentences":[{"text":"Yep.","start":366.885,"end":367.385,"sentiment":"neutral","sentiment_score":0.03202603757381439}],"sentiment":"neutral","sentiment_score":0.03202603757381439,"channel":1,"num_words":1,"start":366.885,"end":367.385},{"sentences":[{"text":"The money goes into the super fund, and then he","start":367.745,"end":370.465,"sentiment":"neutral","sentiment_score":0.0394779521971941}],"sentiment":"neutral","sentiment_score":0.0394779521971941,"channel":0,"num_words":10,"start":367.745,"end":370.465},{"sentences":[{"text":"Mhmm.","start":370.245,"end":370.71,"sentiment":"neutral","sentiment_score":-0.006445152685046196}],"sentiment":"neutral","sentiment_score":-0.006445152685046196,"channel":1,"num_words":1,"start":370.245,"end":370.71},{"sentences":[{"text":"claims the tax back at the end of the financial year.","start":370.465,"end":373.265,"sentiment":"neutral","sentiment_score":0.003827296874739907},{"text":"So he'll get the he gets the tax back.","start":373.265,"end":375.745,"sentiment":"neutral","sentiment_score":0.09192342393928105},{"text":"It just comes to him as a lump sum rather than coming","start":375.745,"end":378.70502,"sentiment":"neutral","sentiment_score":0.04297567283113798}],"sentiment":"neutral","sentiment_score":0.043284973595291376,"channel":0,"num_words":32,"start":370.465,"end":378.70502},{"sentences":[{"text":"Yes.","start":378.47,"end":378.97,"sentiment":"neutral","sentiment_score":0.01746777445077896}],"sentiment":"neutral","sentiment_score":0.01746777445077896,"channel":1,"num_words":1,"start":378.47,"end":378.97},{"sentences":[{"text":"to him each fortnight.","start":378.70502,"end":380.165,"sentiment":"neutral","sentiment_score":0.0020633013918995853},{"text":"But the exact same outcome happens","start":380.72998,"end":382.81,"sentiment":"neutral","sentiment_score":-0.05656913295388222}],"sentiment":"neutral","sentiment_score":-0.0331161592155695,"channel":0,"num_words":10,"start":378.70502,"end":382.81},{"sentences":[{"text":"I see.","start":382.63,"end":383.235,"sentiment":"neutral","sentiment_score":-0.051955241709947586}],"sentiment":"neutral","sentiment_score":-0.051955241709947586,"channel":1,"num_words":2,"start":382.63,"end":383.235},{"sentences":[{"text":"in terms of tax paid.","start":382.81,"end":384.27,"sentiment":"neutral","sentiment_score":-0.026247958838939666}],"sentiment":"neutral","sentiment_score":-0.026247958838939666,"channel":0,"num_words":5,"start":382.81,"end":384.27},{"sentences":[{"text":"You'll","start":384.995,"end":385.235,"sentiment":"neutral","sentiment_score":0.080140620470047}],"sentiment":"neutral","sentiment_score":0.080140620470047,"channel":1,"num_words":1,"start":384.995,"end":385.235},{"sentences":[{"text":"It's","start":385.05,"end":385.28998,"sentiment":"neutral","sentiment_score":0.10960565507411955}],"sentiment":"neutral","sentiment_score":0.10960565507411955,"channel":0,"num_words":1,"start":385.05,"end":385.28998},{"sentences":[{"text":"just","start":385.235,"end":385.47498,"sentiment":"neutral","sentiment_score":0.13127389550209043}],"sentiment":"neutral","sentiment_score":0.13127389550209043,"channel":1,"num_words":1,"start":385.235,"end":385.47498},{"sentences":[{"text":"just","start":385.28998,"end":385.78998,"sentiment":"neutral","sentiment_score":0.1651587337255478}],"sentiment":"neutral","sentiment_score":0.1651587337255478,"channel":0,"num_words":1,"start":385.28998,"end":385.78998},{"sentences":[{"text":"get a payment","start":385.47498,"end":386.85498,"sentiment":"neutral","sentiment_score":0.2644386788209279}],"sentiment":"neutral","sentiment_score":0.2644386788209279,"channel":1,"num_words":3,"start":385.47498,"end":386.85498},{"sentences":[{"text":"a lot","start":386.72998,"end":387.38998,"sentiment":"neutral","sentiment_score":0.3261032849550247}],"sentiment":"neutral","sentiment_score":0.3261032849550247,"channel":0,"num_words":2,"start":386.72998,"end":387.38998},{"sentences":[{"text":"at","start":387.555,"end":387.79498,"sentiment":"neutral","sentiment_score":0.29954278469085693}],"sentiment":"neutral","sentiment_score":0.29954278469085693,"channel":1,"num_words":1,"start":387.555,"end":387.79498},{"sentences":[{"text":"yeah.","start":387.69,"end":388.19,"sentiment":"neutral","sentiment_score":0.24608659744262695}],"sentiment":"neutral","sentiment_score":0.24608659744262695,"channel":0,"num_words":1,"start":387.69,"end":388.19},{"sentences":[{"text":"the end of the year and a lump sum as opposed to getting the discount, like, a lot less rates every fortnight.","start":387.79498,"end":393.175,"sentiment":"neutral","sentiment_score":0.18288552794944157}],"sentiment":"neutral","sentiment_score":0.18288552794944157,"channel":1,"num_words":22,"start":387.79498,"end":393.175},{"sentences":[{"text":"Correct.","start":393.61,"end":394.11,"sentiment":"neutral","sentiment_score":0.20929494500160217},{"text":"Yeah.","start":394.395,"end":394.895,"sentiment":"neutral","sentiment_score":0.14610764384269714}],"sentiment":"neutral","sentiment_score":0.17770129442214966,"channel":0,"num_words":2,"start":393.61,"end":394.895},{"sentences":[{"text":"Okay.","start":395.31497,"end":395.63498,"sentiment":"neutral","sentiment_score":0.16786696016788483},{"text":"I get that.","start":395.63498,"end":396.455,"sentiment":"neutral","sentiment_score":0.183062344789505}],"sentiment":"neutral","sentiment_score":0.17926349863409996,"channel":1,"num_words":4,"start":395.31497,"end":396.455},{"sentences":[{"text":"And it yeah.","start":396.34998,"end":399.215,"sentiment":"neutral","sentiment_score":0.07501684750119846}],"sentiment":"neutral","sentiment_score":0.07501684750119846,"channel":0,"num_words":3,"start":396.34998,"end":399.215},{"sentences":[{"text":"I think I'd prefer the other way because it's a bit of a hit.","start":399.44998,"end":406.03,"sentiment":"neutral","sentiment_score":-0.19833366572856903},{"text":"But what yeah.","start":406.09,"end":406.65,"sentiment":"neutral","sentiment_score":0.03995343049367269},{"text":"What's the benefit of doing it the way you're saying?","start":406.65,"end":409.22998,"sentiment":"positive","sentiment_score":0.38870085030794144},{"text":"Because you're getting that compound?","start":409.28998,"end":410.75,"sentiment":"positive","sentiment_score":0.3365949630737305}],"sentiment":"neutral","sentiment_score":0.09103663405403495,"channel":1,"num_words":32,"start":399.44998,"end":410.75},{"sentences":[{"text":"We get you get the compounding interest by having the larger amount in the super fund during the year.","start":411.37997,"end":418.52,"sentiment":"positive","sentiment_score":0.4906613089536366}],"sentiment":"positive","sentiment_score":0.4906613089536366,"channel":0,"num_words":19,"start":411.37997,"end":418.52},{"sentences":[{"text":"I see.","start":419.065,"end":419.725,"sentiment":"neutral","sentiment_score":0.257071852684021}],"sentiment":"neutral","sentiment_score":0.257071852684021,"channel":1,"num_words":2,"start":419.065,"end":419.725},{"sentences":[{"text":"Yeah.","start":420.5,"end":420.74,"sentiment":"positive","sentiment_score":0.3438042402267456},{"text":"And it means that in terms of, like, money given back to you because Casper indicated that you guys have quite a decent cash flow at the moment in terms of money that you're putting in way into savings.","start":420.74,"end":432.04498,"sentiment":"positive","sentiment_score":0.4658412146262633}],"sentiment":"positive","sentiment_score":0.4627902902662754,"channel":0,"num_words":40,"start":420.5,"end":432.04498},{"sentences":[{"text":"Yes.","start":432.68,"end":433.18,"sentiment":"positive","sentiment_score":0.4596131443977356}],"sentiment":"positive","sentiment_score":0.4596131443977356,"channel":1,"num_words":1,"start":432.68,"end":433.18},{"sentences":[{"text":"So the amount that I've pushed through won't affect what you're currently putting away, and it means when you get that lump sum paid to you, you'll able you're able to just put that straight into your savings account.","start":432.905,"end":444.52,"sentiment":"positive","sentiment_score":0.5665920017621456}],"sentiment":"positive","sentiment_score":0.5665920017621456,"channel":0,"num_words":39,"start":432.905,"end":444.52},{"sentences":[{"text":"Yes.","start":445.495,"end":445.975,"sentiment":"neutral","sentiment_score":0.32180923223495483},{"text":"If we do it your way, we get a lump sum at the end of the year.","start":445.975,"end":448.855,"sentiment":"positive","sentiment_score":0.3458859920501709},{"text":"If we do it the way I initially thought, it'll just be a less money coming out of fortnight.","start":448.855,"end":453.99,"sentiment":"neutral","sentiment_score":0.1625729763978406}],"sentiment":"neutral","sentiment_score":0.251101558071536,"channel":1,"num_words":37,"start":445.495,"end":453.99},{"sentences":[{"text":"Yes.","start":454.605,"end":455.085,"sentiment":"neutral","sentiment_score":0.1139284074306488},{"text":"Yeah.","start":455.085,"end":455.585,"sentiment":"neutral","sentiment_score":0.11968180537223816}],"sentiment":"neutral","sentiment_score":0.11680510640144348,"channel":0,"num_words":2,"start":454.605,"end":455.585},{"sentences":[{"text":"Okay.","start":456.44998,"end":456.94998,"sentiment":"neutral","sentiment_score":0.14731991291046145},{"text":"Less money coming out of fortnight, but also more money in super.","start":457.33,"end":460.78998,"sentiment":"neutral","sentiment_score":0.14538158103823662},{"text":"Is that not because we're gonna end up taking it out at the end of the year if we go your way.","start":461.09,"end":465.33,"sentiment":"neutral","sentiment_score":0.16544656286185438},{"text":"Is that correct?","start":465.33,"end":466.065,"sentiment":"neutral","sentiment_score":0.1139763022462527},{"text":"Or no.","start":467.265,"end":467.665,"sentiment":"neutral","sentiment_score":-0.08860926888883114}],"sentiment":"neutral","sentiment_score":0.14241084093227982,"channel":1,"num_words":40,"start":456.44998,"end":467.665},{"sentences":[{"text":"There's still that extra money there.","start":467.665,"end":469.265,"sentiment":"neutral","sentiment_score":-0.09573423489928246},{"text":"We're just getting the interest the the taxable bit","start":469.265,"end":473.125,"sentiment":"neutral","sentiment_score":0.040879280099438295}],"sentiment":"neutral","sentiment_score":-0.013766125900050004,"channel":1,"num_words":15,"start":467.665,"end":473.125},{"sentences":[{"text":"Yes.","start":474.13998,"end":474.38,"sentiment":"neutral","sentiment_score":0.07319193333387375},{"text":"So the your the the ATO,","start":474.38,"end":476.46,"sentiment":"neutral","sentiment_score":0.07203705981373787}],"sentiment":"neutral","sentiment_score":0.07220204174518585,"channel":0,"num_words":7,"start":474.13998,"end":476.46},{"sentences":[{"text":"back.","start":476.145,"end":476.645,"sentiment":"neutral","sentiment_score":0.06717583537101746}],"sentiment":"neutral","sentiment_score":0.06717583537101746,"channel":1,"num_words":1,"start":476.145,"end":476.645},{"sentences":[{"text":"when you submit your tax return, the ATO will pay you the tax back.","start":476.46,"end":480.375,"sentiment":"neutral","sentiment_score":0.08920593107385295},{"text":"Because","start":480.915,"end":481.075,"sentiment":"neutral","sentiment_score":0.030258994549512863}],"sentiment":"neutral","sentiment_score":0.0852761353055636,"channel":0,"num_words":15,"start":476.46,"end":481.075},{"sentences":[{"text":"Yeah.","start":480.945,"end":481.265,"sentiment":"neutral","sentiment_score":0.038662657141685486}],"sentiment":"neutral","sentiment_score":0.038662657141685486,"channel":1,"num_words":1,"start":480.945,"end":481.265},{"sentences":[{"text":"it basically","start":481.075,"end":481.735,"sentiment":"neutral","sentiment_score":0.02325519546866417}],"sentiment":"neutral","sentiment_score":0.02325519546866417,"channel":0,"num_words":2,"start":481.075,"end":481.735},{"sentences":[{"text":"But our but our extra contributions are still staying in super.","start":481.265,"end":485.62003,"sentiment":"neutral","sentiment_score":0.0225383151661266}],"sentiment":"neutral","sentiment_score":0.0225383151661266,"channel":1,"num_words":11,"start":481.265,"end":485.62003},{"sentences":[{"text":"yeah.","start":486.035,"end":486.435,"sentiment":"neutral","sentiment_score":0.04082917422056198},{"text":"Yeah.","start":486.435,"end":486.595,"sentiment":"neutral","sentiment_score":0.04661937803030014},{"text":"The contributions stay in the super funds.","start":486.595,"end":488.195,"sentiment":"neutral","sentiment_score":0.04006355309060642},{"text":"Yeah.","start":488.195,"end":488.35498,"sentiment":"neutral","sentiment_score":-0.04840181767940521},{"text":"They don't they don't come out.","start":488.35498,"end":489.815,"sentiment":"neutral","sentiment_score":-0.09045974165201187}],"sentiment":"neutral","sentiment_score":-0.013954177731648088,"channel":0,"num_words":16,"start":486.035,"end":489.815},{"sentences":[{"text":"Yeah.","start":489.76,"end":490.0,"sentiment":"neutral","sentiment_score":-0.05074270814657211},{"text":"What we're getting back is not part of the contribution.","start":490.0,"end":492.5,"sentiment":"neutral","sentiment_score":-0.11176789700984954},{"text":"It's just the tech","start":492.56,"end":493.44,"sentiment":"neutral","sentiment_score":-0.07313516363501549}],"sentiment":"neutral","sentiment_score":-0.09739748885234197,"channel":1,"num_words":15,"start":489.76,"end":493.44},{"sentences":[{"text":"No.","start":493.315,"end":493.815,"sentiment":"neutral","sentiment_score":-0.09527790546417236}],"sentiment":"neutral","sentiment_score":-0.09527790546417236,"channel":0,"num_words":1,"start":493.315,"end":493.815},{"sentences":[{"text":"stuff side of it.","start":493.44,"end":494.58002,"sentiment":"neutral","sentiment_score":-0.0927620641887188}],"sentiment":"neutral","sentiment_score":-0.0927620641887188,"channel":1,"num_words":4,"start":493.44,"end":494.58002},{"sentences":[{"text":"Yeah.","start":494.74,"end":494.98,"sentiment":"neutral","sentiment_score":-0.015389605425298214},{"text":"What you what you get what","start":494.98,"end":496.26,"sentiment":"neutral","sentiment_score":-0.009601255878806114}],"sentiment":"neutral","sentiment_score":-0.010428162956876414,"channel":0,"num_words":7,"start":494.74,"end":496.26},{"sentences":[{"text":"Oh,","start":496.16,"end":496.32,"sentiment":"neutral","sentiment_score":-0.01999196968972683}],"sentiment":"neutral","sentiment_score":-0.01999196968972683,"channel":1,"num_words":1,"start":496.16,"end":496.32},{"sentences":[{"text":"you","start":496.26,"end":496.34,"sentiment":"neutral","sentiment_score":-0.03449981287121773}],"sentiment":"neutral","sentiment_score":-0.03449981287121773,"channel":0,"num_words":1,"start":496.26,"end":496.34},{"sentences":[{"text":"I","start":496.32,"end":496.4925,"sentiment":"neutral","sentiment_score":-0.026495160534977913}],"sentiment":"neutral","sentiment_score":-0.026495160534977913,"channel":1,"num_words":1,"start":496.32,"end":496.4925},{"sentences":[{"text":"get","start":496.34,"end":496.66,"sentiment":"neutral","sentiment_score":-0.01621965691447258}],"sentiment":"neutral","sentiment_score":-0.01621965691447258,"channel":0,"num_words":1,"start":496.34,"end":496.66},{"sentences":[{"text":"see.","start":496.4925,"end":496.665,"sentiment":"neutral","sentiment_score":-0.01984032802283764}],"sentiment":"neutral","sentiment_score":-0.01984032802283764,"channel":1,"num_words":1,"start":496.4925,"end":496.665},{"sentences":[{"text":"paid back is is the ATO, basically.","start":496.66,"end":499.0,"sentiment":"neutral","sentiment_score":0.05073448323777744},{"text":"Basically, what happens is you are submitting a $10,400","start":499.06,"end":504.04,"sentiment":"neutral","sentiment_score":0.0570859524110953}],"sentiment":"neutral","sentiment_score":0.054307184647768736,"channel":0,"num_words":16,"start":496.66,"end":504.04},{"sentences":[{"text":"See.","start":504.105,"end":504.605,"sentiment":"neutral","sentiment_score":0.04266742616891861}],"sentiment":"neutral","sentiment_score":0.04266742616891861,"channel":1,"num_words":1,"start":504.105,"end":504.605},{"sentences":[{"text":"deduction to your income, essentially.","start":504.41998,"end":506.6,"sentiment":"neutral","sentiment_score":0.07440743818879128},{"text":"So when I submit that form to the fund, you end up just getting a $10,400 deduction.","start":506.66,"end":514.185,"sentiment":"neutral","sentiment_score":0.14255484894794576},{"text":"So it's like you have $10,000 worth of claimables that you're able to claim on your income.","start":514.185,"end":520.185,"sentiment":"neutral","sentiment_score":0.23013828870128183},{"text":"So when you submit your tax return, you know, how when you do your tax, you're trying to ask, you know, do you have any laundry to claim?","start":520.185,"end":525.69,"sentiment":"neutral","sentiment_score":0.070867237901049},{"text":"Do you have any, you know, electricity or consumables or anything, travel that you've used?","start":525.69,"end":530.97003,"sentiment":"neutral","sentiment_score":0.014119607706864675}],"sentiment":"neutral","sentiment_score":0.10858411350991667,"channel":0,"num_words":82,"start":504.41998,"end":530.97003},{"sentences":[{"text":"This is basically, like, an extra extra little item that you are submitting as a claimable.","start":530.97003,"end":536.35004,"sentiment":"neutral","sentiment_score":0.04920434020459652}],"sentiment":"neutral","sentiment_score":0.04920434020459652,"channel":0,"num_words":16,"start":530.97003,"end":536.35004},{"sentences":[{"text":"Yep.","start":537.205,"end":537.6,"sentiment":"neutral","sentiment_score":0.1127116084098816},{"text":"I get it.","start":537.68,"end":538.5,"sentiment":"neutral","sentiment_score":0.11300922433535258}],"sentiment":"neutral","sentiment_score":0.11293482035398483,"channel":1,"num_words":4,"start":537.205,"end":538.5},{"sentences":[{"text":"Yeah.","start":538.865,"end":539.365,"sentiment":"neutral","sentiment_score":0.08802852034568787}],"sentiment":"neutral","sentiment_score":0.08802852034568787,"channel":0,"num_words":1,"start":538.865,"end":539.365},{"sentences":[{"text":"So how much did you say he would get back of that 10,000, so to speak?","start":540.56,"end":545.86,"sentiment":"neutral","sentiment_score":0.05389002326410264},{"text":"4,056.","start":546.07996,"end":547.77997,"sentiment":"neutral","sentiment_score":0.00921727530658245}],"sentiment":"neutral","sentiment_score":0.0512622145607191,"channel":1,"num_words":17,"start":540.56,"end":547.77997},{"sentences":[{"text":"Four thousand fifty 6.","start":546.385,"end":547.84503,"sentiment":"neutral","sentiment_score":0.010880863526836038}],"sentiment":"neutral","sentiment_score":0.010880863526836038,"channel":0,"num_words":4,"start":546.385,"end":547.84503},{"sentences":[{"text":"4,056.","start":549.27997,"end":550.875,"sentiment":"neutral","sentiment_score":0.014036262407898905},{"text":"Okay.","start":553.195,"end":553.695,"sentiment":"neutral","sentiment_score":0.03008907474577427},{"text":"And is that the maximum amount we can put through a fortnight?","start":554.075,"end":559.695,"sentiment":"neutral","sentiment_score":0.02116652624681592},{"text":"He can.","start":559.835,"end":560.395,"sentiment":"neutral","sentiment_score":0.033302249386906624},{"text":"Sorry.","start":560.395,"end":560.895,"sentiment":"neutral","sentiment_score":-0.023621100932359695}],"sentiment":"neutral","sentiment_score":0.020065120585701045,"channel":1,"num_words":17,"start":549.27997,"end":560.895},{"sentences":[{"text":"No.","start":561.305,"end":561.545,"sentiment":"neutral","sentiment_score":-0.051633089780807495},{"text":"So there's two there's two documents in like, oh, well, there's there's, I guess, two documents that I've sent through.","start":561.545,"end":568.025,"sentiment":"neutral","sentiment_score":-0.026204266166314483},{"text":"One's a statement of advice.","start":568.025,"end":569.225,"sentiment":"neutral","sentiment_score":-0.0034292853437364102},{"text":"The other one is the appendix, which I just closed.","start":569.225,"end":573.36,"sentiment":"neutral","sentiment_score":-0.014826737903058529},{"text":"But the other one is the appendix, and what the appendix has is it has a couple other other considerations for Casper to look at.","start":573.76,"end":581.3,"sentiment":"neutral","sentiment_score":-0.012693645106628538}],"sentiment":"neutral","sentiment_score":-0.017352022074132424,"channel":0,"num_words":61,"start":561.305,"end":581.3},{"sentences":[{"text":"One","start":581.51996,"end":581.83997,"sentiment":"neutral","sentiment_score":-0.003206208348274231}],"sentiment":"neutral","sentiment_score":-0.003206208348274231,"channel":0,"num_words":1,"start":581.51996,"end":581.83997},{"sentences":[{"text":"I know","start":581.625,"end":582.025,"sentiment":"neutral","sentiment_score":-0.010501081123948097}],"sentiment":"neutral","sentiment_score":-0.010501081123948097,"channel":1,"num_words":2,"start":581.625,"end":582.025},{"sentences":[{"text":"was","start":581.83997,"end":582.07996,"sentiment":"neutral","sentiment_score":-0.008767103776335716}],"sentiment":"neutral","sentiment_score":-0.008767103776335716,"channel":0,"num_words":1,"start":581.83997,"end":582.07996},{"sentences":[{"text":"you","start":582.025,"end":582.18506,"sentiment":"neutral","sentiment_score":-0.005499307066202164}],"sentiment":"neutral","sentiment_score":-0.005499307066202164,"channel":1,"num_words":1,"start":582.025,"end":582.18506},{"sentences":[{"text":"three","start":582.07996,"end":582.32,"sentiment":"neutral","sentiment_score":-0.01525675505399704}],"sentiment":"neutral","sentiment_score":-0.01525675505399704,"channel":0,"num_words":1,"start":582.07996,"end":582.32},{"sentences":[{"text":"got","start":582.18506,"end":582.42505,"sentiment":"neutral","sentiment_score":-0.015946175903081894}],"sentiment":"neutral","sentiment_score":-0.015946175903081894,"channel":1,"num_words":1,"start":582.18506,"end":582.42505},{"sentences":[{"text":"100","start":582.32,"end":582.64,"sentiment":"neutral","sentiment_score":-0.0016586892306804657}],"sentiment":"neutral","sentiment_score":-0.0016586892306804657,"channel":0,"num_words":1,"start":582.32,"end":582.64},{"sentences":[{"text":"it open.","start":582.42505,"end":583.005,"sentiment":"neutral","sentiment_score":-0.012252072803676128}],"sentiment":"neutral","sentiment_score":-0.012252072803676128,"channel":1,"num_words":2,"start":582.42505,"end":583.005},{"sentences":[{"text":"and one was 500.","start":582.64,"end":584.18,"sentiment":"neutral","sentiment_score":-0.00885775953065604}],"sentiment":"neutral","sentiment_score":-0.00885775953065604,"channel":0,"num_words":4,"start":582.64,"end":584.18},{"sentences":[{"text":"Yes.","start":585.065,"end":585.565,"sentiment":"neutral","sentiment_score":0.12086166441440582}],"sentiment":"neutral","sentiment_score":0.12086166441440582,"channel":1,"num_words":1,"start":585.065,"end":585.565},{"sentences":[{"text":"The 300 per fortnight didn't really work out that like, it it it was it was great.","start":586.56,"end":591.965,"sentiment":"neutral","sentiment_score":0.1282242796767284},{"text":"Don't be wrong, but it didn't work out as great.","start":591.965,"end":594.945,"sentiment":"neutral","sentiment_score":-0.12089835666120052},{"text":"And the 500 a fortnight, there's a couple of considerations that you do like, that need to be made, and that","start":595.245,"end":602.0,"sentiment":"neutral","sentiment_score":0.05037080159499532}],"sentiment":"neutral","sentiment_score":0.042262833778901644,"channel":0,"num_words":48,"start":586.56,"end":602.0},{"sentences":[{"text":"Reached the consistent old cap.","start":601.58496,"end":603.445,"sentiment":"neutral","sentiment_score":-0.0005751658231019977}],"sentiment":"neutral","sentiment_score":-0.0005751658231019977,"channel":1,"num_words":5,"start":601.58496,"end":603.445},{"sentences":[{"text":"is correct that you've reached","start":603.66003,"end":604.78,"sentiment":"neutral","sentiment_score":0.15285297930240632}],"sentiment":"neutral","sentiment_score":0.15285297930240632,"channel":0,"num_words":5,"start":603.66003,"end":604.78},{"sentences":[{"text":"Mhmm.","start":604.545,"end":605.045,"sentiment":"neutral","sentiment_score":0.0987023115158081}],"sentiment":"neutral","sentiment_score":0.0987023115158081,"channel":1,"num_words":1,"start":604.545,"end":605.045},{"sentences":[{"text":"the concessional cap.","start":604.78,"end":605.92004,"sentiment":"neutral","sentiment_score":0.04809558639923731},{"text":"However, Casper has enough room that he is actually able to look back and take from unused caps over the previous years.","start":606.30005,"end":614.88,"sentiment":"neutral","sentiment_score":0.22779112275351177}],"sentiment":"neutral","sentiment_score":0.20622765839099885,"channel":0,"num_words":25,"start":604.78,"end":614.88},{"sentences":[{"text":"Oh, yep.","start":615.425,"end":616.05,"sentiment":"neutral","sentiment_score":0.2274925336241722}],"sentiment":"neutral","sentiment_score":0.2274925336241722,"channel":1,"num_words":2,"start":615.425,"end":616.05},{"sentences":[{"text":"So it's not going to affect him tax wise.","start":616.655,"end":618.735,"sentiment":"neutral","sentiment_score":0.17040189107259116},{"text":"It's not going to breach anything, and he's going to have he has the capacity to be able to do the 500.","start":618.735,"end":624.195,"sentiment":"neutral","sentiment_score":0.29687046801502054},{"text":"We just have to keep a close eye on it over, like, within the next five years,","start":624.575,"end":628.77,"sentiment":"neutral","sentiment_score":0.12705887328175938}],"sentiment":"neutral","sentiment_score":0.21301600337028503,"channel":0,"num_words":48,"start":616.655,"end":628.77},{"sentences":[{"text":"Yes.","start":628.69,"end":629.19,"sentiment":"neutral","sentiment_score":0.12316948175430298}],"sentiment":"neutral","sentiment_score":0.12316948175430298,"channel":1,"num_words":1,"start":628.69,"end":629.19},{"sentences":[{"text":"But it's not","start":628.85004,"end":629.67004,"sentiment":"neutral","sentiment_score":0.055133199940125145}],"sentiment":"neutral","sentiment_score":0.055133199940125145,"channel":0,"num_words":3,"start":628.85004,"end":629.67004},{"sentences":[{"text":"Yes.","start":629.49,"end":629.835,"sentiment":"neutral","sentiment_score":-0.026423092931509014}],"sentiment":"neutral","sentiment_score":-0.026423092931509014,"channel":1,"num_words":1,"start":629.49,"end":629.835},{"sentences":[{"text":"drastically bad.","start":630.45,"end":631.17004,"sentiment":"neutral","sentiment_score":-0.1886306256055832},{"text":"Like, it's not an issue.","start":631.17004,"end":632.39,"sentiment":"neutral","sentiment_score":0.09089194685220718}],"sentiment":"neutral","sentiment_score":0.011028354721409936,"channel":0,"num_words":7,"start":630.45,"end":632.39},{"sentences":[{"text":"I","start":632.395,"end":632.555,"sentiment":"neutral","sentiment_score":0.06149771809577942}],"sentiment":"neutral","sentiment_score":0.06149771809577942,"channel":1,"num_words":1,"start":632.395,"end":632.555},{"sentences":[{"text":"It's","start":632.45,"end":632.61005,"sentiment":"neutral","sentiment_score":0.07053612172603607}],"sentiment":"neutral","sentiment_score":0.07053612172603607,"channel":0,"num_words":1,"start":632.45,"end":632.61005},{"sentences":[{"text":"see","start":632.555,"end":632.715,"sentiment":"neutral","sentiment_score":-0.009421959519386292}],"sentiment":"neutral","sentiment_score":-0.009421959519386292,"channel":1,"num_words":1,"start":632.555,"end":632.715},{"sentences":[{"text":"just","start":632.61005,"end":632.85004,"sentiment":"neutral","sentiment_score":0.02599334716796875}],"sentiment":"neutral","sentiment_score":0.02599334716796875,"channel":0,"num_words":1,"start":632.61005,"end":632.85004},{"sentences":[{"text":"what","start":632.715,"end":632.955,"sentiment":"neutral","sentiment_score":-0.0021169334650039673}],"sentiment":"neutral","sentiment_score":-0.0021169334650039673,"channel":1,"num_words":1,"start":632.715,"end":632.955},{"sentences":[{"text":"in","start":632.85004,"end":633.09,"sentiment":"neutral","sentiment_score":-0.08120648562908173}],"sentiment":"neutral","sentiment_score":-0.08120648562908173,"channel":0,"num_words":1,"start":632.85004,"end":633.09},{"sentences":[{"text":"you're doing","start":632.955,"end":633.275,"sentiment":"neutral","sentiment_score":0.0014091916382312775}],"sentiment":"neutral","sentiment_score":0.0014091916382312775,"channel":1,"num_words":2,"start":632.955,"end":633.275},{"sentences":[{"text":"five years'","start":633.09,"end":633.57,"sentiment":"neutral","sentiment_score":0.001589745283126831}],"sentiment":"neutral","sentiment_score":0.001589745283126831,"channel":0,"num_words":2,"start":633.09,"end":633.57},{"sentences":[{"text":"here.","start":633.275,"end":633.775,"sentiment":"neutral","sentiment_score":0.016196422278881073}],"sentiment":"neutral","sentiment_score":0.016196422278881073,"channel":1,"num_words":1,"start":633.275,"end":633.775},{"sentences":[{"text":"time, we're gonna have to make sure that we're definitely a little bit","start":633.57,"end":637.51,"sentiment":"neutral","sentiment_score":-0.01881228355117715}],"sentiment":"neutral","sentiment_score":-0.01881228355117715,"channel":0,"num_words":13,"start":633.57,"end":637.51},{"sentences":[{"text":"Still within","start":637.11505,"end":637.755,"sentiment":"neutral","sentiment_score":-0.007555415853857994}],"sentiment":"neutral","sentiment_score":-0.007555415853857994,"channel":1,"num_words":2,"start":637.11505,"end":637.755},{"sentences":[{"text":"more","start":637.57,"end":638.05005,"sentiment":"neutral","sentiment_score":-0.032003846019506454}],"sentiment":"neutral","sentiment_score":-0.032003846019506454,"channel":0,"num_words":1,"start":637.57,"end":638.05005},{"sentences":[{"text":"that.","start":637.755,"end":638.155,"sentiment":"neutral","sentiment_score":-0.027563439682126045}],"sentiment":"neutral","sentiment_score":-0.027563439682126045,"channel":1,"num_words":1,"start":637.755,"end":638.155},{"sentences":[{"text":"strict.","start":638.05005,"end":638.55005,"sentiment":"neutral","sentiment_score":-0.007257252931594849}],"sentiment":"neutral","sentiment_score":-0.007257252931594849,"channel":0,"num_words":1,"start":638.05005,"end":638.55005},{"sentences":[{"text":"Yeah.","start":638.155,"end":638.655,"sentiment":"neutral","sentiment_score":0.040309105068445206}],"sentiment":"neutral","sentiment_score":0.040309105068445206,"channel":1,"num_words":1,"start":638.155,"end":638.655},{"sentences":[{"text":"Yeah.","start":639.33,"end":639.73004,"sentiment":"neutral","sentiment_score":0.04443163424730301},{"text":"Yeah.","start":639.73004,"end":640.23004,"sentiment":"neutral","sentiment_score":0.047764744609594345}],"sentiment":"neutral","sentiment_score":0.04609818942844868,"channel":0,"num_words":2,"start":639.33,"end":640.23004},{"sentences":[{"text":"And how much does he get back if he does 500 a fortnight?","start":640.635,"end":644.015,"sentiment":"neutral","sentiment_score":0.07068904345998397},{"text":"What's the end result?","start":644.23505,"end":645.53503,"sentiment":"neutral","sentiment_score":0.045659405179321766}],"sentiment":"neutral","sentiment_score":0.0647997168057105,"channel":1,"num_words":17,"start":640.635,"end":645.53503},{"sentences":[{"text":"Now you're","start":647.935,"end":648.255,"sentiment":"neutral","sentiment_score":0.011779618915170431}],"sentiment":"neutral","sentiment_score":0.011779618915170431,"channel":0,"num_words":2,"start":647.935,"end":648.255},{"sentences":[{"text":"So","start":648.1,"end":648.42,"sentiment":"neutral","sentiment_score":0.005666710436344147}],"sentiment":"neutral","sentiment_score":0.005666710436344147,"channel":1,"num_words":1,"start":648.1,"end":648.42},{"sentences":[{"text":"testing","start":648.255,"end":648.575,"sentiment":"neutral","sentiment_score":0.04213300347328186}],"sentiment":"neutral","sentiment_score":0.04213300347328186,"channel":0,"num_words":1,"start":648.255,"end":648.575},{"sentences":[{"text":"do","start":648.42,"end":648.66,"sentiment":"neutral","sentiment_score":0.00015569105744361875}],"sentiment":"neutral","sentiment_score":0.00015569105744361875,"channel":1,"num_words":1,"start":648.42,"end":648.66},{"sentences":[{"text":"me.","start":648.575,"end":649.075,"sentiment":"neutral","sentiment_score":0.018318096175789833}],"sentiment":"neutral","sentiment_score":0.018318096175789833,"channel":0,"num_words":1,"start":648.575,"end":649.075},{"sentences":[{"text":"we have that here?","start":648.66,"end":649.8,"sentiment":"neutral","sentiment_score":0.01562587241642177}],"sentiment":"neutral","sentiment_score":0.01562587241642177,"channel":1,"num_words":4,"start":648.66,"end":649.8},{"sentences":[{"text":"I'm just","start":651.29504,"end":651.775,"sentiment":"neutral","sentiment_score":-0.007753384066745639}],"sentiment":"neutral","sentiment_score":-0.007753384066745639,"channel":0,"num_words":2,"start":651.29504,"end":651.775},{"sentences":[{"text":"Just","start":651.54,"end":651.77997,"sentiment":"neutral","sentiment_score":-0.02441740222275257}],"sentiment":"neutral","sentiment_score":-0.02441740222275257,"channel":1,"num_words":1,"start":651.54,"end":651.77997},{"sentences":[{"text":"gonna","start":651.775,"end":652.015,"sentiment":"neutral","sentiment_score":-0.018658533692359924}],"sentiment":"neutral","sentiment_score":-0.018658533692359924,"channel":0,"num_words":1,"start":651.775,"end":652.015},{"sentences":[{"text":"trying","start":651.77997,"end":652.01996,"sentiment":"neutral","sentiment_score":-0.015362914651632307}],"sentiment":"neutral","sentiment_score":-0.015362914651632307,"channel":1,"num_words":1,"start":651.77997,"end":652.01996},{"sentences":[{"text":"have","start":652.015,"end":652.175,"sentiment":"neutral","sentiment_score":-0.019335251301527023}],"sentiment":"neutral","sentiment_score":-0.019335251301527023,"channel":0,"num_words":1,"start":652.015,"end":652.175},{"sentences":[{"text":"to see","start":652.01996,"end":652.33997,"sentiment":"neutral","sentiment_score":-0.011859627440571785}],"sentiment":"neutral","sentiment_score":-0.011859627440571785,"channel":1,"num_words":2,"start":652.01996,"end":652.33997},{"sentences":[{"text":"a look.","start":652.175,"end":652.755,"sentiment":"neutral","sentiment_score":-0.0037350906059145927}],"sentiment":"neutral","sentiment_score":-0.0037350906059145927,"channel":0,"num_words":2,"start":652.175,"end":652.755},{"sentences":[{"text":"on your paperwork.","start":652.33997,"end":653.16,"sentiment":"neutral","sentiment_score":-0.029834413900971413},{"text":"I can't really","start":653.22,"end":654.12,"sentiment":"neutral","sentiment_score":-0.1631690909465154}],"sentiment":"neutral","sentiment_score":-0.09650175242374341,"channel":1,"num_words":6,"start":652.33997,"end":654.12},{"sentences":[{"text":"No.","start":653.935,"end":654.435,"sentiment":"neutral","sentiment_score":-0.26085907220840454}],"sentiment":"neutral","sentiment_score":-0.26085907220840454,"channel":0,"num_words":1,"start":653.935,"end":654.435},{"sentences":[{"text":"see.","start":654.18,"end":654.68,"sentiment":"neutral","sentiment_score":-0.21076077222824097}],"sentiment":"neutral","sentiment_score":-0.21076077222824097,"channel":1,"num_words":1,"start":654.18,"end":654.68},{"sentences":[{"text":"You're okay.","start":655.29504,"end":656.115,"sentiment":"neutral","sentiment_score":-0.09016172960400581},{"text":"I will just sorry.","start":656.175,"end":657.74,"sentiment":"neutral","sentiment_score":-0.14825733751058578},{"text":"I stupidly closed the document.","start":657.74,"end":659.02,"sentiment":"neutral","sentiment_score":-0.24212488532066345},{"text":"I went to go and swap","start":659.02,"end":660.14,"sentiment":"neutral","sentiment_score":-0.06664914917200804}],"sentiment":"neutral","sentiment_score":-0.14022777240504236,"channel":0,"num_words":17,"start":655.29504,"end":660.14},{"sentences":[{"text":"Okay.","start":660.01996,"end":660.51996,"sentiment":"neutral","sentiment_score":-0.021910693496465683}],"sentiment":"neutral","sentiment_score":-0.021910693496465683,"channel":1,"num_words":1,"start":660.01996,"end":660.51996},{"sentences":[{"text":"documents and press press the x instead of the other one.","start":660.14,"end":663.44,"sentiment":"neutral","sentiment_score":-0.03408074514432387},{"text":"So, essentially, 500.","start":666.7,"end":672.22504,"sentiment":"neutral","sentiment_score":0.00832587251594911},{"text":"So 500, instead of paying 52 in tax, he'll pay $475.41, which means it'll be 4.5 $450.09 in terms of tax","start":672.22504,"end":689.23,"sentiment":"neutral","sentiment_score":-0.029963821882293337}],"sentiment":"neutral","sentiment_score":-0.027975738244796437,"channel":0,"num_words":35,"start":660.14,"end":689.23},{"sentences":[{"text":"That's","start":689.095,"end":689.495,"sentiment":"neutral","sentiment_score":-0.08664064854383469}],"sentiment":"neutral","sentiment_score":-0.08664064854383469,"channel":1,"num_words":1,"start":689.095,"end":689.495},{"sentences":[{"text":"back.","start":689.23,"end":689.73,"sentiment":"neutral","sentiment_score":-0.11559272557497025}],"sentiment":"neutral","sentiment_score":-0.11559272557497025,"channel":0,"num_words":1,"start":689.23,"end":689.73},{"sentences":[{"text":"not much more than the 400 contribution.","start":689.495,"end":692.795,"sentiment":"neutral","sentiment_score":-0.23253072585378373},{"text":"Was it around","start":693.015,"end":693.735,"sentiment":"neutral","sentiment_score":-0.09361064434051514}],"sentiment":"neutral","sentiment_score":-0.19085470139980315,"channel":1,"num_words":10,"start":689.495,"end":693.735},{"sentences":[{"text":"No.","start":693.63,"end":694.13,"sentiment":"neutral","sentiment_score":-0.2175072878599167}],"sentiment":"neutral","sentiment_score":-0.2175072878599167,"channel":0,"num_words":1,"start":693.63,"end":694.13},{"sentences":[{"text":"the same?","start":693.735,"end":694.295,"sentiment":"neutral","sentiment_score":-0.16991691291332245},{"text":"That 400","start":694.295,"end":695.095,"sentiment":"neutral","sentiment_score":-0.17136099189519882}],"sentiment":"neutral","sentiment_score":-0.17063895240426064,"channel":1,"num_words":4,"start":693.735,"end":695.095},{"sentences":[{"text":"It's","start":695.07,"end":695.57,"sentiment":"neutral","sentiment_score":-0.1959857791662216}],"sentiment":"neutral","sentiment_score":-0.1959857791662216,"channel":0,"num_words":1,"start":695.07,"end":695.57},{"sentences":[{"text":"dollars something.","start":695.095,"end":695.83496,"sentiment":"neutral","sentiment_score":-0.18936944007873535}],"sentiment":"neutral","sentiment_score":-0.18936944007873535,"channel":1,"num_words":2,"start":695.095,"end":695.83496},{"sentences":[{"text":"it's because it's in the it still keeps him in the same tax bracket.","start":695.79,"end":699.41,"sentiment":"neutral","sentiment_score":-0.23379731710468019}],"sentiment":"neutral","sentiment_score":-0.23379731710468019,"channel":0,"num_words":14,"start":695.79,"end":699.41},{"sentences":[{"text":"Oh, yeah.","start":699.975,"end":700.375,"sentiment":"neutral","sentiment_score":-0.11541631817817688},{"text":"I see.","start":700.375,"end":700.855,"sentiment":"neutral","sentiment_score":-0.08258910849690437},{"text":"Yeah.","start":700.855,"end":701.1,"sentiment":"neutral","sentiment_score":-0.0372762456536293}],"sentiment":"neutral","sentiment_score":-0.08665741980075836,"channel":1,"num_words":5,"start":699.975,"end":701.1},{"sentences":[{"text":"So","start":701.22504,"end":701.72504,"sentiment":"neutral","sentiment_score":-0.048935335129499435}],"sentiment":"neutral","sentiment_score":-0.048935335129499435,"channel":0,"num_words":1,"start":701.22504,"end":701.72504},{"sentences":[{"text":"You know?","start":701.5,"end":702.07996,"sentiment":"neutral","sentiment_score":-0.05394921451807022}],"sentiment":"neutral","sentiment_score":-0.05394921451807022,"channel":1,"num_words":2,"start":701.5,"end":702.07996},{"sentences":[{"text":"Casper doesn't drop a tax bracket by doing any of these because he's on the higher side of his current tax bracket.","start":702.025,"end":709.30505,"sentiment":"neutral","sentiment_score":-0.23203251510858536},{"text":"So the tax bracket that Casper's in is from 135 up to a 190.","start":709.30505,"end":714.765,"sentiment":"neutral","sentiment_score":-0.17688316905072757},{"text":"He's sitting sitting at a 182,000, so","start":715.04004,"end":718.18,"sentiment":"neutral","sentiment_score":-0.14644025372607367}],"sentiment":"neutral","sentiment_score":-0.20014329012050186,"channel":0,"num_words":43,"start":702.025,"end":718.18},{"sentences":[{"text":"Yep.","start":718.15497,"end":718.65497,"sentiment":"neutral","sentiment_score":-0.19655734300613403}],"sentiment":"neutral","sentiment_score":-0.19655734300613403,"channel":1,"num_words":1,"start":718.15497,"end":718.65497},{"sentences":[{"text":"he's sitting really high in that in that tax bracket.","start":718.32,"end":721.28,"sentiment":"negative","sentiment_score":-0.40242989659309386},{"text":"So unless we're gonna pop, you know, like, a a a good solid $50.60 grand into the fund, which is gonna eat into you guys and your cash flow, so it's not really gonna work.","start":721.28,"end":732.675,"sentiment":"negative","sentiment_score":-0.5955136733395713}],"sentiment":"negative","sentiment_score":-0.5526061673959096,"channel":0,"num_words":45,"start":718.32,"end":732.675},{"sentences":[{"text":"Yep.","start":733.13,"end":733.63,"sentiment":"neutral","sentiment_score":-0.1341182142496109}],"sentiment":"neutral","sentiment_score":-0.1341182142496109,"channel":1,"num_words":1,"start":733.13,"end":733.63},{"sentences":[{"text":"It's he's not gonna drop a tax bracket.","start":733.455,"end":735.395,"sentiment":"neutral","sentiment_score":-0.14674544241279364}],"sentiment":"neutral","sentiment_score":-0.14674544241279364,"channel":0,"num_words":8,"start":733.455,"end":735.395},{"sentences":[{"text":"What is there another tax bracket above that one?","start":736.01,"end":738.525,"sentiment":"neutral","sentiment_score":-0.04358841126991643},{"text":"That's the","start":738.525,"end":739.265,"sentiment":"neutral","sentiment_score":0.02708603162318468}],"sentiment":"neutral","sentiment_score":-0.030738512562079864,"channel":1,"num_words":11,"start":736.01,"end":739.265},{"sentences":[{"text":"Yep.","start":739.615,"end":739.855,"sentiment":"neutral","sentiment_score":0.034064263105392456}],"sentiment":"neutral","sentiment_score":0.034064263105392456,"channel":0,"num_words":1,"start":739.615,"end":739.855},{"sentences":[{"text":"the","start":739.72504,"end":739.885,"sentiment":"neutral","sentiment_score":0.019200854003429413}],"sentiment":"neutral","sentiment_score":0.019200854003429413,"channel":1,"num_words":1,"start":739.72504,"end":739.885},{"sentences":[{"text":"Above,","start":739.855,"end":740.355,"sentiment":"neutral","sentiment_score":0.01907753199338913}],"sentiment":"neutral","sentiment_score":0.01907753199338913,"channel":0,"num_words":1,"start":739.855,"end":740.355},{"sentences":[{"text":"$19.02?","start":739.885,"end":740.945,"sentiment":"neutral","sentiment_score":0.024615269154310223}],"sentiment":"neutral","sentiment_score":0.024615269154310223,"channel":1,"num_words":1,"start":739.885,"end":740.945},{"sentences":[{"text":"yeah, above $1.90.","start":740.96,"end":742.08,"sentiment":"neutral","sentiment_score":0.04752747714519501},{"text":"So it basically goes from there's no tax from zero to to 18,200.","start":742.08,"end":747.46,"sentiment":"neutral","sentiment_score":0.08368279326420563},{"text":"There's no tax paid there.","start":747.52,"end":748.8,"sentiment":"neutral","sentiment_score":0.12435451298952102},{"text":"From 18,201 up to 45, 16%.","start":748.8,"end":752.58,"sentiment":"neutral","sentiment_score":0.10855839525659879},{"text":"From 45,000 up to a 135, it's 30.","start":752.72003,"end":757.055,"sentiment":"neutral","sentiment_score":0.061218395829200745}],"sentiment":"neutral","sentiment_score":0.08552368134260177,"channel":0,"num_words":35,"start":740.96,"end":757.055},{"sentences":[{"text":"From $1.35 to $1.90, it's 37.","start":757.055,"end":760.01495,"sentiment":"neutral","sentiment_score":0.05639858109255632},{"text":"And then from $1.90 up, it's that that $40.45.","start":760.01495,"end":764.51495,"sentiment":"neutral","sentiment_score":0.03125744913187292}],"sentiment":"neutral","sentiment_score":0.04131390191614628,"channel":0,"num_words":15,"start":757.055,"end":764.51495},{"sentences":[{"text":"K.","start":765.435,"end":765.59503,"sentiment":"neutral","sentiment_score":0.015510667115449904},{"text":"Because we're gonna be doing overtime.","start":765.59503,"end":767.275,"sentiment":"neutral","sentiment_score":-0.02174422183694939},{"text":"So we're gonna I'm pretty sure we're gonna go over the $1.90 with us doing overtime.","start":767.275,"end":774.495,"sentiment":"neutral","sentiment_score":-0.011659630530630238}],"sentiment":"neutral","sentiment_score":-0.013109076191144793,"channel":1,"num_words":23,"start":765.435,"end":774.495},{"sentences":[{"text":"Mhmm.","start":775.23,"end":775.73,"sentiment":"neutral","sentiment_score":0.002848592586815357}],"sentiment":"neutral","sentiment_score":0.002848592586815357,"channel":0,"num_words":1,"start":775.23,"end":775.73},{"sentences":[{"text":"So does that change anything","start":776.955,"end":780.13,"sentiment":"neutral","sentiment_score":-0.0028767108917236326}],"sentiment":"neutral","sentiment_score":-0.0028767108917236326,"channel":1,"num_words":5,"start":776.955,"end":780.13},{"sentences":[{"text":"It","start":781.705,"end":782.205,"sentiment":"neutral","sentiment_score":-0.023248005658388134}],"sentiment":"neutral","sentiment_score":-0.023248005658388134,"channel":0,"num_words":1,"start":781.705,"end":782.205},{"sentences":[{"text":"apart from the tax rate, obviously?","start":782.19,"end":784.37,"sentiment":"neutral","sentiment_score":-0.0012732557952404022}],"sentiment":"neutral","sentiment_score":-0.0012732557952404022,"channel":1,"num_words":6,"start":782.19,"end":784.37},{"sentences":[{"text":"it it'll change the tax rates, but it'll it'll mean that you'll get a bigger tax break.","start":784.105,"end":789.705,"sentiment":"neutral","sentiment_score":0.033659681568250936},{"text":"Because if you go over the one ninety, it's just gonna improve your tax outcome because all of a sudden your taxable amount's gonna increase.","start":789.705,"end":796.285,"sentiment":"neutral","sentiment_score":0.17713856294751168},{"text":"So","start":796.82996,"end":796.91,"sentiment":"neutral","sentiment_score":0.0915023684501648}],"sentiment":"neutral","sentiment_score":0.11842281462321448,"channel":0,"num_words":43,"start":784.105,"end":796.91},{"sentences":[{"text":"Yeah.","start":796.84503,"end":797.325,"sentiment":"neutral","sentiment_score":0.2089521437883377}],"sentiment":"neutral","sentiment_score":0.2089521437883377,"channel":1,"num_words":1,"start":796.84503,"end":797.325},{"sentences":[{"text":"it will actually","start":796.91,"end":797.63,"sentiment":"neutral","sentiment_score":0.25114227334658307}],"sentiment":"neutral","sentiment_score":0.25114227334658307,"channel":0,"num_words":3,"start":796.91,"end":797.63},{"sentences":[{"text":"I see.","start":797.325,"end":797.985,"sentiment":"neutral","sentiment_score":0.27377064526081085}],"sentiment":"neutral","sentiment_score":0.27377064526081085,"channel":1,"num_words":2,"start":797.325,"end":797.985},{"sentences":[{"text":"improve the tax outcome.","start":797.63,"end":799.00995,"sentiment":"positive","sentiment_score":0.3834625259041786},{"text":"If he earns, like, a 140 or sorry.","start":799.14996,"end":803.38995,"sentiment":"neutral","sentiment_score":0.18401818862184882},{"text":"I should say a 120, it looks worse, but it's still a bit of tax savings.","start":803.38995,"end":808.605,"sentiment":"neutral","sentiment_score":0.06296565104275942}],"sentiment":"neutral","sentiment_score":0.14333735818841628,"channel":0,"num_words":28,"start":797.63,"end":808.605},{"sentences":[{"text":"Yeah.","start":809.18005,"end":809.68005,"sentiment":"neutral","sentiment_score":0.04730655252933502},{"text":"Okay.","start":811.10004,"end":811.42004,"sentiment":"neutral","sentiment_score":0.03833955526351929},{"text":"What are what are these cost here?","start":811.42004,"end":813.18005,"sentiment":"neutral","sentiment_score":0.024125860205718448},{"text":"Fee comparison.","start":813.18005,"end":814.08,"sentiment":"neutral","sentiment_score":0.021928681060671806}],"sentiment":"neutral","sentiment_score":0.027125862850384277,"channel":1,"num_words":11,"start":809.18005,"end":814.08},{"sentences":[{"text":"That's","start":816.125,"end":816.625,"sentiment":"neutral","sentiment_score":0.02532181888818741}],"sentiment":"neutral","sentiment_score":0.02532181888818741,"channel":0,"num_words":1,"start":816.125,"end":816.625},{"sentences":[{"text":"Date.","start":817.52496,"end":817.56494,"sentiment":"neutral","sentiment_score":0.03147207945585251},{"text":"A half that's for day job.","start":817.56494,"end":818.725,"sentiment":"neutral","sentiment_score":0.054444681853055954},{"text":"I got it a super year.","start":818.725,"end":820.385,"sentiment":"neutral","sentiment_score":0.15352128446102142},{"text":"That's for","start":820.565,"end":821.385,"sentiment":"neutral","sentiment_score":0.051889825612306595}],"sentiment":"neutral","sentiment_score":0.09220316857099534,"channel":1,"num_words":15,"start":817.52496,"end":821.385},{"sentences":[{"text":"yeah.","start":821.08496,"end":821.43,"sentiment":"neutral","sentiment_score":0.04826940596103668}],"sentiment":"neutral","sentiment_score":0.04826940596103668,"channel":0,"num_words":1,"start":821.08496,"end":821.43},{"sentences":[{"text":"Eight month fee.","start":823.845,"end":824.645,"sentiment":"neutral","sentiment_score":0.021922737980882328},{"text":"Oh, so it's a thousand annually.","start":824.645,"end":826.105,"sentiment":"neutral","sentiment_score":0.022845064910749596},{"text":"Is it?","start":827.765,"end":828.245,"sentiment":"neutral","sentiment_score":0.012978581711649895},{"text":"Thousand and 34.","start":828.245,"end":829.205,"sentiment":"neutral","sentiment_score":0.005739141566058},{"text":"Is that what that means?","start":829.205,"end":830.13,"sentiment":"neutral","sentiment_score":0.0036176593974232675}],"sentiment":"neutral","sentiment_score":0.013900078342933404,"channel":1,"num_words":19,"start":823.845,"end":830.13},{"sentences":[{"text":"Oh, no.","start":831.09,"end":831.41003,"sentiment":"neutral","sentiment_score":-0.0343135679140687},{"text":"Total","start":831.41003,"end":831.89,"sentiment":"neutral","sentiment_score":-0.023625005036592484}],"sentiment":"neutral","sentiment_score":-0.030750713621576626,"channel":1,"num_words":3,"start":831.09,"end":831.89},{"sentences":[{"text":"Which document","start":832.63,"end":833.29,"sentiment":"neutral","sentiment_score":-0.022444164380431175}],"sentiment":"neutral","sentiment_score":-0.022444164380431175,"channel":0,"num_words":2,"start":832.63,"end":833.29},{"sentences":[{"text":"sorry.","start":833.09,"end":833.59,"sentiment":"neutral","sentiment_score":-0.03308267891407013}],"sentiment":"neutral","sentiment_score":-0.03308267891407013,"channel":1,"num_words":1,"start":833.09,"end":833.59},{"sentences":[{"text":"are you looking","start":833.35,"end":833.955,"sentiment":"neutral","sentiment_score":-0.016765533325572807}],"sentiment":"neutral","sentiment_score":-0.016765533325572807,"channel":0,"num_words":3,"start":833.35,"end":833.955},{"sentences":[{"text":"What page are we on, Casper?","start":833.97003,"end":835.59,"sentiment":"neutral","sentiment_score":-0.012563799507915974},{"text":"We're on page 13.","start":835.97003,"end":839.51,"sentiment":"neutral","sentiment_score":-0.0030376558424904943},{"text":"13.","start":839.73,"end":840.23,"sentiment":"neutral","sentiment_score":-0.000543912872672081},{"text":"Of what you sent through.","start":841.01,"end":842.385,"sentiment":"neutral","sentiment_score":-0.005936581455171108}],"sentiment":"neutral","sentiment_score":-0.00736001503537409,"channel":1,"num_words":16,"start":833.97003,"end":842.385},{"sentences":[{"text":"at?","start":844.195,"end":844.435,"sentiment":"neutral","sentiment_score":-0.009935382753610613},{"text":"1,034 is his insurance premiums.","start":844.435,"end":846.935,"sentiment":"neutral","sentiment_score":-0.007900207862257957}],"sentiment":"neutral","sentiment_score":-0.0082394036774834,"channel":0,"num_words":6,"start":844.195,"end":846.935},{"sentences":[{"text":"Okay.","start":849.265,"end":849.765,"sentiment":"neutral","sentiment_score":0.015147680416703224},{"text":"So what so what are what is he paying you to do all this?","start":850.945,"end":854.545,"sentiment":"neutral","sentiment_score":0.01034002538238253},{"text":"What's the fee for your guys' contributions?","start":854.545,"end":857.68994,"sentiment":"neutral","sentiment_score":0.014741756288068635},{"text":"Annually.","start":857.99,"end":858.49,"sentiment":"neutral","sentiment_score":0.006835179403424263},{"text":"Annually.","start":858.94995,"end":859.44995,"sentiment":"neutral","sentiment_score":0.01214821171015501}],"sentiment":"neutral","sentiment_score":0.011753488370838264,"channel":1,"num_words":24,"start":849.265,"end":859.44995},{"sentences":[{"text":"So our fee is that 1,003","start":859.39,"end":863.01,"sentiment":"neutral","sentiment_score":0.019775607933600742}],"sentiment":"neutral","sentiment_score":0.019775607933600742,"channel":0,"num_words":6,"start":859.39,"end":863.01},{"sentences":[{"text":"K.","start":865.02997,"end":865.52997,"sentiment":"neutral","sentiment_score":0.020133981481194496}],"sentiment":"neutral","sentiment_score":0.020133981481194496,"channel":1,"num_words":1,"start":865.02997,"end":865.52997},{"sentences":[{"text":"20","start":865.685,"end":866.185,"sentiment":"neutral","sentiment_score":0.015251463279128076}],"sentiment":"neutral","sentiment_score":0.015251463279128076,"channel":0,"num_words":1,"start":865.685,"end":866.185},{"sentences":[{"text":"Oh, yeah.","start":865.75,"end":866.49,"sentiment":"neutral","sentiment_score":0.01986655592918396}],"sentiment":"neutral","sentiment_score":0.01986655592918396,"channel":1,"num_words":2,"start":865.75,"end":866.49},{"sentences":[{"text":"7.","start":866.20496,"end":866.70496,"sentiment":"neutral","sentiment_score":0.015171820297837256},{"text":"And what we do is we we do advice like this.","start":866.725,"end":871.685,"sentiment":"neutral","sentiment_score":0.05058595199476589},{"text":"We do his investment advice.","start":871.685,"end":873.125,"sentiment":"neutral","sentiment_score":0.056066472083330154},{"text":"We make sure that all the investment options in the fund are appropriate.","start":873.125,"end":877.465,"sentiment":"neutral","sentiment_score":0.08796252883397616},{"text":"We make sure that, you know, if there's a market drop or anything like that or any of the assets are no longer fit for purpose, that we adjust, pivot, change, get rid of them, that we're not sitting in anything","start":877.525,"end":888.52997,"sentiment":"neutral","sentiment_score":-0.07707847854713114}],"sentiment":"neutral","sentiment_score":-0.016405001308926394,"channel":0,"num_words":71,"start":866.20496,"end":888.52997},{"sentences":[{"text":"Yep.","start":888.34,"end":888.84,"sentiment":"neutral","sentiment_score":-0.15771394968032837}],"sentiment":"neutral","sentiment_score":-0.15771394968032837,"channel":1,"num_words":1,"start":888.34,"end":888.84},{"sentences":[{"text":"that's stagnating available for you guys to call at, you know, any point to ask these questions","start":888.52997,"end":893.99,"sentiment":"neutral","sentiment_score":-0.224838046466603}],"sentiment":"neutral","sentiment_score":-0.224838046466603,"channel":0,"num_words":17,"start":888.52997,"end":893.99},{"sentences":[{"text":"Yeah.","start":893.94,"end":894.375,"sentiment":"neutral","sentiment_score":-0.16795335710048676}],"sentiment":"neutral","sentiment_score":-0.16795335710048676,"channel":1,"num_words":1,"start":893.94,"end":894.375},{"sentences":[{"text":"because super funds don't answer these, unfortunately.","start":894.635,"end":896.895,"sentiment":"neutral","sentiment_score":-0.3208502403327397},{"text":"So that that's what we're available to do.","start":897.91504,"end":900.09503,"sentiment":"neutral","sentiment_score":-0.2313952799886465}],"sentiment":"neutral","sentiment_score":-0.2731409281492233,"channel":0,"num_words":15,"start":894.635,"end":900.09503},{"sentences":[{"text":"Okay.","start":901.175,"end":901.675,"sentiment":"neutral","sentiment_score":-0.01738688163459301},{"text":"Can I ask something, Melissa?","start":901.975,"end":903.655,"sentiment":"neutral","sentiment_score":-0.014551958814263345},{"text":"I just saw in","start":903.655,"end":904.295,"sentiment":"neutral","sentiment_score":-0.03345434879884124}],"sentiment":"neutral","sentiment_score":-0.022396407090127468,"channel":1,"num_words":10,"start":901.175,"end":904.295},{"sentences":[{"text":"Of","start":904.155,"end":904.315,"sentiment":"neutral","sentiment_score":-0.056323885917663574}],"sentiment":"neutral","sentiment_score":-0.056323885917663574,"channel":0,"num_words":1,"start":904.155,"end":904.315},{"sentences":[{"text":"the","start":904.295,"end":904.535,"sentiment":"neutral","sentiment_score":-0.07719433307647705}],"sentiment":"neutral","sentiment_score":-0.07719433307647705,"channel":1,"num_words":1,"start":904.295,"end":904.535},{"sentences":[{"text":"course.","start":904.315,"end":904.815,"sentiment":"neutral","sentiment_score":-0.07170198857784271}],"sentiment":"neutral","sentiment_score":-0.07170198857784271,"channel":0,"num_words":1,"start":904.315,"end":904.815},{"sentences":[{"text":"document that you don't the same as the beneficiary one.","start":904.535,"end":907.835,"sentiment":"neutral","sentiment_score":-0.08180889636278152},{"text":"I see you only have my first name on there, not my second name.","start":908.13,"end":911.73004,"sentiment":"neutral","sentiment_score":-0.06465429679623672},{"text":"Is that gonna be alright?","start":911.73004,"end":912.95,"sentiment":"neutral","sentiment_score":-0.03430560901761055}],"sentiment":"neutral","sentiment_score":-0.06533714358148904,"channel":1,"num_words":29,"start":904.535,"end":912.95},{"sentences":[{"text":"On which document?","start":914.22003,"end":915.2,"sentiment":"neutral","sentiment_score":-0.024856857334574062}],"sentiment":"neutral","sentiment_score":-0.024856857334574062,"channel":0,"num_words":3,"start":914.22003,"end":915.2},{"sentences":[{"text":"You got given name, Casper.","start":916.29004,"end":917.91003,"sentiment":"neutral","sentiment_score":-0.02268475852906704},{"text":"Family name is Farandesh.","start":917.97003,"end":919.27,"sentiment":"neutral","sentiment_score":-0.006794937304221094},{"text":"My middle name is not on on there.","start":919.73004,"end":921.705,"sentiment":"neutral","sentiment_score":-0.025952709140256047},{"text":"You don't need to.","start":921.78503,"end":922.905,"sentiment":"neutral","sentiment_score":-0.041020617820322514},{"text":"I'm just asking.","start":922.905,"end":923.805,"sentiment":"neutral","sentiment_score":-0.04429117341836294}],"sentiment":"neutral","sentiment_score":-0.026882550271693617,"channel":1,"num_words":24,"start":916.29004,"end":923.805},{"sentences":[{"text":"No.","start":924.22504,"end":924.54504,"sentiment":"neutral","sentiment_score":-0.13604150712490082},{"text":"No.","start":924.54504,"end":924.705,"sentiment":"neutral","sentiment_score":-0.12516973912715912},{"text":"No.","start":924.705,"end":924.945,"sentiment":"neutral","sentiment_score":-0.0824010968208313},{"text":"That's absolutely fine.","start":924.945,"end":925.825,"sentiment":"neutral","sentiment_score":0.12198661516110103},{"text":"Your first and last name are absolutely appropriate.","start":925.825,"end":928.16504,"sentiment":"neutral","sentiment_score":0.2008369080722332}],"sentiment":"neutral","sentiment_score":0.11636019764201981,"channel":0,"num_words":14,"start":924.22504,"end":928.16504},{"sentences":[{"text":"Okay.","start":928.905,"end":929.405,"sentiment":"neutral","sentiment_score":0.12552307546138763}],"sentiment":"neutral","sentiment_score":0.12552307546138763,"channel":1,"num_words":1,"start":928.905,"end":929.405},{"sentences":[{"text":"Don't get me wrong.","start":929.66504,"end":930.305,"sentiment":"neutral","sentiment_score":0.06597159709781408},{"text":"If you want your entire name to to be listed, we can.","start":930.305,"end":933.365,"sentiment":"neutral","sentiment_score":0.08995768210540216},{"text":"But first and last name name is","start":933.585,"end":935.10504,"sentiment":"neutral","sentiment_score":0.06583181130034584}],"sentiment":"neutral","sentiment_score":0.07844353272863057,"channel":0,"num_words":23,"start":929.66504,"end":935.10504},{"sentences":[{"text":"Mhmm.","start":935.065,"end":935.565,"sentiment":"neutral","sentiment_score":0.09796832501888277}],"sentiment":"neutral","sentiment_score":0.09796832501888277,"channel":1,"num_words":1,"start":935.065,"end":935.565},{"sentences":[{"text":"absolutely appropriate.","start":935.10504,"end":936.005,"sentiment":"neutral","sentiment_score":0.1902579367160797},{"text":"Yeah.","start":936.305,"end":936.805,"sentiment":"neutral","sentiment_score":0.08755369484424591}],"sentiment":"neutral","sentiment_score":0.15602318942546844,"channel":0,"num_words":3,"start":935.10504,"end":936.805},{"sentences":[{"text":"I just I just added in my last name.","start":936.745,"end":940.76996,"sentiment":"neutral","sentiment_score":0.06299273545543353},{"text":"My middle name's on the beneficiary paperwork I got, which I need to send off.","start":940.91,"end":945.64996,"sentiment":"neutral","sentiment_score":0.04007763862609863},{"text":"So yeah.","start":946.35,"end":947.17,"sentiment":"neutral","sentiment_score":0.06471133232116699}],"sentiment":"neutral","sentiment_score":0.04990468704356597,"channel":1,"num_words":26,"start":936.745,"end":947.17},{"sentences":[{"text":"Yes.","start":946.74,"end":947.24,"sentiment":"neutral","sentiment_score":0.07701553404331207},{"text":"I know that Caden was giving you a hand with those earlier.","start":947.38,"end":949.63995,"sentiment":"neutral","sentiment_score":0.04505533321450154}],"sentiment":"neutral","sentiment_score":0.04751381020133312,"channel":0,"num_words":13,"start":946.74,"end":949.63995},{"sentences":[{"text":"Yeah.","start":950.58997,"end":950.67,"sentiment":"neutral","sentiment_score":0.09658189117908478},{"text":"Cool.","start":950.67,"end":951.07,"sentiment":"neutral","sentiment_score":0.11913160979747772},{"text":"Alright.","start":951.07,"end":951.57,"sentiment":"neutral","sentiment_score":0.0469299852848053},{"text":"Sorry.","start":952.675,"end":952.995,"sentiment":"neutral","sentiment_score":-0.004780893214046955},{"text":"I did have a","start":952.995,"end":953.715,"sentiment":"neutral","sentiment_score":-0.03775366488844156}],"sentiment":"neutral","sentiment_score":0.013355991686694324,"channel":1,"num_words":8,"start":950.58997,"end":953.715},{"sentences":[{"text":"No.","start":953.555,"end":953.875,"sentiment":"neutral","sentiment_score":-0.08430659025907516}],"sentiment":"neutral","sentiment_score":-0.08430659025907516,"channel":0,"num_words":1,"start":953.555,"end":953.875},{"sentences":[{"text":"question.","start":953.715,"end":954.03503,"sentiment":"neutral","sentiment_score":-0.07364322245121002}],"sentiment":"neutral","sentiment_score":-0.07364322245121002,"channel":1,"num_words":1,"start":953.715,"end":954.03503},{"sentences":[{"text":"No.","start":953.875,"end":954.115,"sentiment":"neutral","sentiment_score":-0.08840188384056091}],"sentiment":"neutral","sentiment_score":-0.08840188384056091,"channel":0,"num_words":1,"start":953.875,"end":954.115},{"sentences":[{"text":"I was","start":954.03503,"end":954.275,"sentiment":"neutral","sentiment_score":-0.05872569419443607}],"sentiment":"neutral","sentiment_score":-0.05872569419443607,"channel":1,"num_words":2,"start":954.03503,"end":954.275},{"sentences":[{"text":"Of course.","start":954.115,"end":954.695,"sentiment":"neutral","sentiment_score":-0.05870555341243744}],"sentiment":"neutral","sentiment_score":-0.05870555341243744,"channel":0,"num_words":2,"start":954.115,"end":954.695},{"sentences":[{"text":"just gone.","start":954.275,"end":955.015,"sentiment":"neutral","sentiment_score":-0.06396903842687607},{"text":"Is your guys fee is it a set price or does it obviously, it probably changes annually with everything else that changes in the world?","start":957.155,"end":964.135,"sentiment":"neutral","sentiment_score":-0.04669228404760361}],"sentiment":"neutral","sentiment_score":-0.047972043631253417,"channel":1,"num_words":27,"start":954.275,"end":964.135},{"sentences":[{"text":"It does it does change annually, but there is a form that Casper signs to nominate to sign on for a year, and we, during","start":964.595,"end":973.16,"sentiment":"neutral","sentiment_score":0.01664982184767723}],"sentiment":"neutral","sentiment_score":0.01664982184767723,"channel":0,"num_words":25,"start":964.595,"end":973.16},{"sentences":[{"text":"Yeah.","start":972.85004,"end":973.35004,"sentiment":"neutral","sentiment_score":-0.0075427088886499405}],"sentiment":"neutral","sentiment_score":-0.0075427088886499405,"channel":1,"num_words":1,"start":972.85004,"end":973.35004},{"sentences":[{"text":"that that period, disclose the fee.","start":973.16,"end":975.1,"sentiment":"neutral","sentiment_score":-0.024469051820536453}],"sentiment":"neutral","sentiment_score":-0.024469051820536453,"channel":0,"num_words":6,"start":973.16,"end":975.1},{"sentences":[{"text":"And how much did it go up from the last, like, you know, the last price cost rise, how much difference was that?","start":975.73004,"end":984.975,"sentiment":"neutral","sentiment_score":-0.05578814592698346}],"sentiment":"neutral","sentiment_score":-0.05578814592698346,"channel":1,"num_words":23,"start":975.73004,"end":984.975},{"sentences":[{"text":"Our fee calculation didn't change.","start":986.125,"end":988.705,"sentiment":"neutral","sentiment_score":-0.1912562608718872},{"text":"So the way we we charge up oh, sorry.","start":988.845,"end":991.245,"sentiment":"neutral","sentiment_score":-0.09937447143925561},{"text":"I have the hiccups now.","start":991.245,"end":992.445,"sentiment":"negative","sentiment_score":-0.4909503757953644},{"text":"The way we charge our fees is based on, like, 1.65% of the balance.","start":992.445,"end":997.17,"sentiment":"neutral","sentiment_score":-0.2772773227521351},{"text":"And what","start":998.51,"end":999.55,"sentiment":"neutral","sentiment_score":-0.10874871164560318}],"sentiment":"neutral","sentiment_score":-0.24013666766030448,"channel":0,"num_words":35,"start":986.125,"end":999.55},{"sentences":[{"text":"K.","start":999.20996,"end":999.70996,"sentiment":"neutral","sentiment_score":-0.07417308539152145}],"sentiment":"neutral","sentiment_score":-0.07417308539152145,"channel":1,"num_words":1,"start":999.20996,"end":999.70996},{"sentences":[{"text":"we what we used to do is that would fluctuate and change based on the growth of the account.","start":999.55,"end":1004.37,"sentiment":"neutral","sentiment_score":-0.11883584566806492},{"text":"And","start":1004.83,"end":1004.99,"sentiment":"neutral","sentiment_score":-0.100580595433712}],"sentiment":"neutral","sentiment_score":-0.11792308315634728,"channel":0,"num_words":20,"start":999.55,"end":1004.99},{"sentences":[{"text":"Yeah.","start":1004.97,"end":1005.435,"sentiment":"neutral","sentiment_score":-0.10419419407844543}],"sentiment":"neutral","sentiment_score":-0.10419419407844543,"channel":1,"num_words":1,"start":1004.97,"end":1005.435},{"sentences":[{"text":"if there was a market fall, obviously, then that you know, there was a market fall, and we would charge that per right across the year.","start":1004.99,"end":1010.405,"sentiment":"neutral","sentiment_score":-0.21288808435201645},{"text":"What we do now is we actually based on the date that we make the recommendation, we calculate 1.65% of the account balance, and we just set that as the account fee.","start":1010.405,"end":1021.04504,"sentiment":"neutral","sentiment_score":0.03910211526090279},{"text":"So it means that it doesn't fluctuate.","start":1021.04504,"end":1022.325,"sentiment":"neutral","sentiment_score":0.08299730664917401},{"text":"You know exactly what's coming out month to month, and and and that's that's sort of how it goes.","start":1022.325,"end":1027.75,"sentiment":"neutral","sentiment_score":0.029502171365541136},{"text":"So it means as your account balance increases, as your contributions keep getting added to the account and you have that growth, the account balance doesn't change.","start":1027.75,"end":1034.95,"sentiment":"neutral","sentiment_score":0.06117636103321005}],"sentiment":"neutral","sentiment_score":-0.013428273463219526,"channel":0,"num_words":111,"start":1004.99,"end":1034.95},{"sentences":[{"text":"So it works out generally a lot better for you.","start":1034.95,"end":1037.53,"sentiment":"positive","sentiment_score":0.38396831452846525}],"sentiment":"positive","sentiment_score":0.38396831452846525,"channel":0,"num_words":10,"start":1034.95,"end":1037.53},{"sentences":[{"text":"But if if if his if his super is not doing well, you guys are still getting your your pay like, you know, your your fee isn't dropping with the super that's potential like, just say his super balance dropped.","start":1037.945,"end":1052.18,"sentiment":"negative","sentiment_score":-0.4516932064667344}],"sentiment":"negative","sentiment_score":-0.4516932064667344,"channel":1,"num_words":40,"start":1037.945,"end":1052.18},{"sentences":[{"text":"Yeah.","start":1052.045,"end":1052.525,"sentiment":"neutral","sentiment_score":0.015785064548254013},{"text":"Yeah.","start":1052.525,"end":1052.97,"sentiment":"neutral","sentiment_score":0.04042637720704079}],"sentiment":"neutral","sentiment_score":0.0281057208776474,"channel":0,"num_words":2,"start":1052.045,"end":1052.97},{"sentences":[{"text":"Your guys' fee is not dropping.","start":1052.56,"end":1054.08,"sentiment":"neutral","sentiment_score":0.07439439122875531},{"text":"It's staying the same.","start":1054.08,"end":1054.96,"sentiment":"neutral","sentiment_score":0.1108235027641058},{"text":"Is that correct?","start":1054.96,"end":1055.86,"sentiment":"neutral","sentiment_score":0.11191260566314061}],"sentiment":"neutral","sentiment_score":0.09426139810910591,"channel":1,"num_words":13,"start":1052.56,"end":1055.86},{"sentences":[{"text":"Yes.","start":1056.1699,"end":1056.49,"sentiment":"neutral","sentiment_score":0.06832009553909302},{"text":"Yeah.","start":1056.49,"end":1056.8099,"sentiment":"neutral","sentiment_score":0.060366466641426086},{"text":"So on that side is that if the account balance did did drop, our fee doesn't drop with that side.","start":1056.8099,"end":1063.07,"sentiment":"neutral","sentiment_score":0.03915918823331595}],"sentiment":"neutral","sentiment_score":0.04144865122031082,"channel":0,"num_words":22,"start":1056.1699,"end":1063.07},{"sentences":[{"text":"Has his account dropped at all since he's been with you guys?","start":1063.715,"end":1067.1749,"sentiment":"neutral","sentiment_score":-0.0710313633705179},{"text":"Has his","start":1067.235,"end":1067.975,"sentiment":"neutral","sentiment_score":-0.023875152692198753}],"sentiment":"neutral","sentiment_score":-0.06429476184504372,"channel":1,"num_words":14,"start":1063.715,"end":1067.975},{"sentences":[{"text":"There there has definitely been fluctuation to it.","start":1068.855,"end":1071.175,"sentiment":"neutral","sentiment_score":-0.18267133086919785},{"text":"Don't get me wrong, but I wouldn't say","start":1071.175,"end":1073.095,"sentiment":"neutral","sentiment_score":-0.14624817576259375}],"sentiment":"neutral","sentiment_score":-0.1644597533158958,"channel":0,"num_words":16,"start":1068.855,"end":1073.095},{"sentences":[{"text":"but","start":1073.075,"end":1073.235,"sentiment":"neutral","sentiment_score":-0.1171860694885254}],"sentiment":"neutral","sentiment_score":-0.1171860694885254,"channel":1,"num_words":1,"start":1073.075,"end":1073.235},{"sentences":[{"text":"that there's","start":1073.095,"end":1073.415,"sentiment":"neutral","sentiment_score":-0.1602029800415039}],"sentiment":"neutral","sentiment_score":-0.1602029800415039,"channel":0,"num_words":2,"start":1073.095,"end":1073.415},{"sentences":[{"text":"in","start":1073.235,"end":1073.475,"sentiment":"neutral","sentiment_score":-0.16422608494758606}],"sentiment":"neutral","sentiment_score":-0.16422608494758606,"channel":1,"num_words":1,"start":1073.235,"end":1073.475},{"sentences":[{"text":"been","start":1073.415,"end":1073.655,"sentiment":"neutral","sentiment_score":-0.13530972599983215}],"sentiment":"neutral","sentiment_score":-0.13530972599983215,"channel":0,"num_words":1,"start":1073.415,"end":1073.655},{"sentences":[{"text":"in the","start":1073.475,"end":1073.7949,"sentiment":"neutral","sentiment_score":-0.15612132847309113}],"sentiment":"neutral","sentiment_score":-0.15612132847309113,"channel":1,"num_words":2,"start":1073.475,"end":1073.7949},{"sentences":[{"text":"a","start":1073.655,"end":1073.815,"sentiment":"neutral","sentiment_score":-0.1646481156349182}],"sentiment":"neutral","sentiment_score":-0.1646481156349182,"channel":0,"num_words":1,"start":1073.655,"end":1073.815},{"sentences":[{"text":"bigger","start":1073.7949,"end":1074.2749,"sentiment":"neutral","sentiment_score":-0.20289520919322968}],"sentiment":"neutral","sentiment_score":-0.20289520919322968,"channel":1,"num_words":1,"start":1073.7949,"end":1074.2749},{"sentences":[{"text":"significant","start":1073.815,"end":1074.315,"sentiment":"neutral","sentiment_score":-0.22573569416999817}],"sentiment":"neutral","sentiment_score":-0.22573569416999817,"channel":0,"num_words":1,"start":1073.815,"end":1074.315},{"sentences":[{"text":"picture,","start":1074.2749,"end":1074.7749,"sentiment":"neutral","sentiment_score":-0.18901684880256653}],"sentiment":"neutral","sentiment_score":-0.18901684880256653,"channel":1,"num_words":1,"start":1074.2749,"end":1074.7749},{"sentences":[{"text":"drop.","start":1074.375,"end":1074.875,"sentiment":"neutral","sentiment_score":-0.2253564745187759}],"sentiment":"neutral","sentiment_score":-0.2253564745187759,"channel":0,"num_words":1,"start":1074.375,"end":1074.875},{"sentences":[{"text":"annually, has it ever dropped globally over the year?","start":1075.08,"end":1078.46,"sentiment":"neutral","sentiment_score":-0.13388869414726892},{"text":"Like, as","start":1078.6,"end":1079.1599,"sentiment":"neutral","sentiment_score":-0.04368644207715988}],"sentiment":"neutral","sentiment_score":-0.11748828467997638,"channel":1,"num_words":11,"start":1075.08,"end":1079.1599},{"sentences":[{"text":"Yes.","start":1078.855,"end":1079.355,"sentiment":"neutral","sentiment_score":-0.044296931475400925}],"sentiment":"neutral","sentiment_score":-0.044296931475400925,"channel":0,"num_words":1,"start":1078.855,"end":1079.355},{"sentences":[{"text":"a whole.","start":1079.1599,"end":1079.74,"sentiment":"neutral","sentiment_score":-0.07872883602976799}],"sentiment":"neutral","sentiment_score":-0.07872883602976799,"channel":1,"num_words":2,"start":1079.1599,"end":1079.74},{"sentences":[{"text":"There's been there's been moments where it's dropped, but it hasn't ever dropped and not recovered, if that makes sense.","start":1081.175,"end":1087.1901,"sentiment":"neutral","sentiment_score":-0.13314696364104747}],"sentiment":"neutral","sentiment_score":-0.13314696364104747,"channel":0,"num_words":20,"start":1081.175,"end":1087.1901},{"sentences":[{"text":"Yeah.","start":1086.84,"end":1087.32,"sentiment":"neutral","sentiment_score":-0.011758007109165192},{"text":"That's what my dear.","start":1087.32,"end":1088.2799,"sentiment":"neutral","sentiment_score":-0.01097658695653081},{"text":"So it has","start":1088.2799,"end":1088.84,"sentiment":"neutral","sentiment_score":0.019798438996076584}],"sentiment":"neutral","sentiment_score":0.0004663702566176653,"channel":1,"num_words":8,"start":1086.84,"end":1088.84},{"sentences":[{"text":"Yeah.","start":1088.61,"end":1089.0901,"sentiment":"neutral","sentiment_score":0.02532532624900341}],"sentiment":"neutral","sentiment_score":0.02532532624900341,"channel":0,"num_words":1,"start":1088.61,"end":1089.0901},{"sentences":[{"text":"recovered.","start":1088.84,"end":1089.34,"sentiment":"neutral","sentiment_score":0.023959141224622726}],"sentiment":"neutral","sentiment_score":0.023959141224622726,"channel":1,"num_words":1,"start":1088.84,"end":1089.34},{"sentences":[{"text":"Yeah.","start":1089.0901,"end":1089.5901,"sentiment":"neutral","sentiment_score":0.04943858087062836},{"text":"Yes.","start":1089.81,"end":1090.13,"sentiment":"neutral","sentiment_score":0.07385559380054474},{"text":"Yeah.","start":1090.13,"end":1090.4501,"sentiment":"neutral","sentiment_score":0.07529138028621674},{"text":"Definitely recovered.","start":1090.4501,"end":1091.35,"sentiment":"neutral","sentiment_score":0.06479601748287678},{"text":"The like, the","start":1092.05,"end":1092.6901,"sentiment":"neutral","sentiment_score":0.02053847536444664}],"sentiment":"neutral","sentiment_score":0.04872412700206041,"channel":0,"num_words":8,"start":1089.0901,"end":1092.6901},{"sentences":[{"text":"Recovered","start":1092.585,"end":1093.085,"sentiment":"neutral","sentiment_score":0.008450277149677277}],"sentiment":"neutral","sentiment_score":0.008450277149677277,"channel":1,"num_words":1,"start":1092.585,"end":1093.085},{"sentences":[{"text":"account does","start":1092.6901,"end":1093.25,"sentiment":"neutral","sentiment_score":0.005236387252807617}],"sentiment":"neutral","sentiment_score":0.005236387252807617,"channel":0,"num_words":2,"start":1092.6901,"end":1093.25},{"sentences":[{"text":"and","start":1093.145,"end":1093.385,"sentiment":"neutral","sentiment_score":0.0019649937748908997}],"sentiment":"neutral","sentiment_score":0.0019649937748908997,"channel":1,"num_words":1,"start":1093.145,"end":1093.385},{"sentences":[{"text":"fluctuate.","start":1093.25,"end":1093.75,"sentiment":"neutral","sentiment_score":0.02172103524208069}],"sentiment":"neutral","sentiment_score":0.02172103524208069,"channel":0,"num_words":1,"start":1093.25,"end":1093.75},{"sentences":[{"text":"and gained or just recovered and hit the, like, plateau sort of thing?","start":1093.385,"end":1097.945,"sentiment":"neutral","sentiment_score":-0.01547018732302464},{"text":"You know what I","start":1097.945,"end":1098.4249,"sentiment":"neutral","sentiment_score":-0.08143671229481697}],"sentiment":"neutral","sentiment_score":-0.030991722610505187,"channel":1,"num_words":17,"start":1093.385,"end":1098.4249},{"sentences":[{"text":"No.","start":1098.37,"end":1098.87,"sentiment":"neutral","sentiment_score":-0.13868923485279083}],"sentiment":"neutral","sentiment_score":-0.13868923485279083,"channel":0,"num_words":1,"start":1098.37,"end":1098.87},{"sentences":[{"text":"mean?","start":1098.4249,"end":1098.9249,"sentiment":"neutral","sentiment_score":-0.08312863111495972}],"sentiment":"neutral","sentiment_score":-0.08312863111495972,"channel":1,"num_words":1,"start":1098.4249,"end":1098.9249},{"sentences":[{"text":"Yeah.","start":1099.205,"end":1099.365,"sentiment":"neutral","sentiment_score":-0.034084465354681015},{"text":"No.","start":1099.365,"end":1099.845,"sentiment":"neutral","sentiment_score":-0.11150486767292024},{"text":"It it has recovered quite well.","start":1099.845,"end":1102.505,"sentiment":"neutral","sentiment_score":0.05095156282186508},{"text":"Like, Casper's only been with his Hub twenty four account for, like, a","start":1102.885,"end":1108.885,"sentiment":"neutral","sentiment_score":0.04810003133920523}],"sentiment":"neutral","sentiment_score":0.037400973872059866,"channel":0,"num_words":21,"start":1099.205,"end":1108.885},{"sentences":[{"text":"Two","start":1108.84,"end":1109.0,"sentiment":"neutral","sentiment_score":0.009579062461853027}],"sentiment":"neutral","sentiment_score":0.009579062461853027,"channel":1,"num_words":1,"start":1108.84,"end":1109.0},{"sentences":[{"text":"month","start":1108.885,"end":1109.285,"sentiment":"neutral","sentiment_score":0.012176740914583206}],"sentiment":"neutral","sentiment_score":0.012176740914583206,"channel":0,"num_words":1,"start":1108.885,"end":1109.285},{"sentences":[{"text":"months.","start":1109.0,"end":1109.5,"sentiment":"neutral","sentiment_score":0.020389113575220108}],"sentiment":"neutral","sentiment_score":0.020389113575220108,"channel":1,"num_words":1,"start":1109.0,"end":1109.5},{"sentences":[{"text":"now.","start":1109.285,"end":1109.765,"sentiment":"neutral","sentiment_score":0.03162405639886856},{"text":"Yeah.","start":1109.765,"end":1110.085,"sentiment":"neutral","sentiment_score":0.04941127449274063}],"sentiment":"neutral","sentiment_score":0.040517665445804596,"channel":0,"num_words":2,"start":1109.285,"end":1110.085},{"sentences":[{"text":"Right.","start":1110.04,"end":1110.54,"sentiment":"neutral","sentiment_score":0.044094860553741455}],"sentiment":"neutral","sentiment_score":0.044094860553741455,"channel":1,"num_words":1,"start":1110.04,"end":1110.54},{"sentences":[{"text":"A month.","start":1110.085,"end":1110.665,"sentiment":"neutral","sentiment_score":0.034769452176988125},{"text":"A month tomorrow.","start":1111.915,"end":1112.985,"sentiment":"neutral","sentiment_score":0.0376118216663599},{"text":"Previously, he was with Netwealth, and I have had a look at that account.","start":1114.25,"end":1119.21,"sentiment":"neutral","sentiment_score":0.02113826246932149},{"text":"And, yeah, it it it would would drop and recover and make more.","start":1119.21,"end":1124.59,"sentiment":"neutral","sentiment_score":-0.14503867007218874},{"text":"It never went through a period of time where it didn't recover or didn't didn't make money.","start":1125.21,"end":1130.105,"sentiment":"neutral","sentiment_score":-0.23351453507647796}],"sentiment":"neutral","sentiment_score":-0.10973346455744942,"channel":0,"num_words":49,"start":1110.085,"end":1130.105},{"sentences":[{"text":"Don't be wrong.","start":1130.5651,"end":1131.125,"sentiment":"neutral","sentiment_score":-0.1446453978617986},{"text":"There there were periods of time there that it did sort of drop for a few months, but it always recovered and and made.","start":1131.125,"end":1138.665,"sentiment":"neutral","sentiment_score":-0.1338383760303259}],"sentiment":"neutral","sentiment_score":-0.13503915623382287,"channel":0,"num_words":27,"start":1130.5651,"end":1138.665},{"sentences":[{"text":"Yeah.","start":1138.87,"end":1139.37,"sentiment":"neutral","sentiment_score":-0.010516462847590446},{"text":"Okay.","start":1139.75,"end":1140.25,"sentiment":"neutral","sentiment_score":0.04261866211891174},{"text":"Okay.","start":1142.55,"end":1142.95,"sentiment":"neutral","sentiment_score":0.1284809112548828},{"text":"Thank you.","start":1142.95,"end":1143.645,"sentiment":"neutral","sentiment_score":0.26248909533023834},{"text":"I don't","start":1143.885,"end":1144.125,"sentiment":"neutral","sentiment_score":-0.12239190563559532}],"sentiment":"neutral","sentiment_score":0.06296821284507002,"channel":1,"num_words":7,"start":1138.87,"end":1144.125},{"sentences":[{"text":"That's","start":1144.245,"end":1144.62,"sentiment":"neutral","sentiment_score":-0.18498991429805756}],"sentiment":"neutral","sentiment_score":-0.18498991429805756,"channel":0,"num_words":1,"start":1144.245,"end":1144.62},{"sentences":[{"text":"I'm not a part of what he's my super isn't going through that.","start":1144.365,"end":1149.025,"sentiment":"neutral","sentiment_score":-0.2830147926624005},{"text":"In in fact, I'm quite blind with what my super is doing, so I'm just wondering whether I need to sign up","start":1149.245,"end":1154.225,"sentiment":"neutral","sentiment_score":-0.31075250628319656}],"sentiment":"neutral","sentiment_score":-0.30044992693832945,"channel":1,"num_words":35,"start":1144.365,"end":1154.225},{"sentences":[{"text":"okay.","start":1153.9,"end":1154.4,"sentiment":"neutral","sentiment_score":-0.24383117258548737}],"sentiment":"neutral","sentiment_score":-0.24383117258548737,"channel":0,"num_words":1,"start":1153.9,"end":1154.4},{"sentences":[{"text":"so that","start":1154.765,"end":1155.165,"sentiment":"neutral","sentiment_score":-0.05808381363749504}],"sentiment":"neutral","sentiment_score":-0.05808381363749504,"channel":1,"num_words":2,"start":1154.765,"end":1155.165},{"sentences":[{"text":"Yeah.","start":1154.94,"end":1155.44,"sentiment":"neutral","sentiment_score":-0.07524004578590393}],"sentiment":"neutral","sentiment_score":-0.07524004578590393,"channel":0,"num_words":1,"start":1154.94,"end":1155.44},{"sentences":[{"text":"it's been over overseen.","start":1155.165,"end":1156.545,"sentiment":"neutral","sentiment_score":-0.09492531791329384},{"text":"You know what I mean?","start":1156.605,"end":1157.245,"sentiment":"neutral","sentiment_score":-0.10284002125263214},{"text":"Because at the moment, just doing whatever it's doing.","start":1157.245,"end":1159.0299,"sentiment":"neutral","sentiment_score":-0.1437719472580486}],"sentiment":"neutral","sentiment_score":-0.12154716129104297,"channel":1,"num_words":18,"start":1155.165,"end":1159.0299},{"sentences":[{"text":"Yeah, I know.","start":1158.585,"end":1161.065,"sentiment":"neutral","sentiment_score":-0.0021427509685357413},{"text":"Casper and I actually spoke about your side of things last Thursday when we spoke, and and he did tell me that he was likely gonna give me a call this morning.","start":1161.065,"end":1169.705,"sentiment":"neutral","sentiment_score":0.08267777669243515},{"text":"So I wasn't shocked when when","start":1169.705,"end":1172.205,"sentiment":"neutral","sentiment_score":0.020951987244188786}],"sentiment":"neutral","sentiment_score":0.06743835426140123,"channel":0,"num_words":41,"start":1158.585,"end":1172.205},{"sentences":[{"text":"Yeah.","start":1171.73,"end":1172.23,"sentiment":"neutral","sentiment_score":0.04926038160920143}],"sentiment":"neutral","sentiment_score":0.04926038160920143,"channel":1,"num_words":1,"start":1171.73,"end":1172.23},{"sentences":[{"text":"when the team said that you were giving that you were there.","start":1172.49,"end":1174.99,"sentiment":"neutral","sentiment_score":0.06879801986118157},{"text":"But I'd be more than happy to have a a a conversation with you to be able to go through and just get a bit of information.","start":1175.29,"end":1181.79,"sentiment":"positive","sentiment_score":0.439043132243333},{"text":"So our initial consultation's complimentary.","start":1182.01,"end":1183.87,"sentiment":"positive","sentiment_score":0.3530727982521057},{"text":"We we just go through, have a discussion about what your goals are, what you're wanting to achieve.","start":1184.25,"end":1189.745,"sentiment":"positive","sentiment_score":0.37050991919305587},{"text":"The cool thing is is because Casper's already a client, I can kinda combine everything together and give you guys a whole overview of the two of you as a couple.","start":1189.805,"end":1200.785,"sentiment":"positive","sentiment_score":0.5658746736664926}],"sentiment":"positive","sentiment_score":0.415660196013989,"channel":0,"num_words":93,"start":1172.49,"end":1200.785},{"sentences":[{"text":"Yep.","start":1201.4451,"end":1201.9451,"sentiment":"neutral","sentiment_score":0.2487190067768097}],"sentiment":"neutral","sentiment_score":0.2487190067768097,"channel":1,"num_words":1,"start":1201.4451,"end":1201.9451},{"sentences":[{"text":"Because, obviously, the the hope is to retire together","start":1202.11,"end":1204.69,"sentiment":"neutral","sentiment_score":0.28592773609691197}],"sentiment":"neutral","sentiment_score":0.28592773609691197,"channel":0,"num_words":9,"start":1202.11,"end":1204.69},{"sentences":[{"text":"Yeah.","start":1205.525,"end":1205.925,"sentiment":"neutral","sentiment_score":0.20127862691879272}],"sentiment":"neutral","sentiment_score":0.20127862691879272,"channel":1,"num_words":1,"start":1205.525,"end":1205.925},{"sentences":[{"text":"and,","start":1205.71,"end":1206.19,"sentiment":"neutral","sentiment_score":0.12315425276756288}],"sentiment":"neutral","sentiment_score":0.12315425276756288,"channel":0,"num_words":1,"start":1205.71,"end":1206.19},{"sentences":[{"text":"Yep.","start":1205.925,"end":1206.425,"sentiment":"neutral","sentiment_score":0.17367911338806152}],"sentiment":"neutral","sentiment_score":0.17367911338806152,"channel":1,"num_words":1,"start":1205.925,"end":1206.425},{"sentences":[{"text":"you know, set off into the sunset, so to speak.","start":1206.19,"end":1208.53,"sentiment":"neutral","sentiment_score":0.24662787988781928}],"sentiment":"neutral","sentiment_score":0.24662787988781928,"channel":0,"num_words":10,"start":1206.19,"end":1208.53},{"sentences":[{"text":"Yep.","start":1208.5651,"end":1209.0651,"sentiment":"neutral","sentiment_score":0.02427048049867153}],"sentiment":"neutral","sentiment_score":0.02427048049867153,"channel":1,"num_words":1,"start":1208.5651,"end":1209.0651},{"sentences":[{"text":"So we can do some more, like, joint based planning moving forward, which which","start":1209.3099,"end":1213.905,"sentiment":"neutral","sentiment_score":0.21377179665224894}],"sentiment":"neutral","sentiment_score":0.21377179665224894,"channel":0,"num_words":14,"start":1209.3099,"end":1213.905},{"sentences":[{"text":"So","start":1215.38,"end":1215.7001,"sentiment":"neutral","sentiment_score":0.07496097683906555}],"sentiment":"neutral","sentiment_score":0.07496097683906555,"channel":1,"num_words":1,"start":1215.38,"end":1215.7001},{"sentences":[{"text":"is","start":1215.645,"end":1216.145,"sentiment":"neutral","sentiment_score":0.04495209828019142}],"sentiment":"neutral","sentiment_score":0.04495209828019142,"channel":0,"num_words":1,"start":1215.645,"end":1216.145},{"sentences":[{"text":"what are you guys what what is your not status, but what's what are you guys, like, financial advisers?","start":1215.7001,"end":1223.4,"sentiment":"neutral","sentiment_score":-0.026631560862848635},{"text":"What are you?","start":1223.54,"end":1224.345,"sentiment":"neutral","sentiment_score":0.03881923854351044}],"sentiment":"neutral","sentiment_score":-0.01770645185289058,"channel":1,"num_words":22,"start":1215.7001,"end":1224.345},{"sentences":[{"text":"cool.","start":1224.365,"end":1224.845,"sentiment":"neutral","sentiment_score":0.3161027729511261},{"text":"Yeah.","start":1224.845,"end":1225.165,"sentiment":"neutral","sentiment_score":0.15916985273361206},{"text":"So I'm a qualified financial adviser.","start":1225.165,"end":1227.185,"sentiment":"neutral","sentiment_score":0.1980369637409846},{"text":"Oakview","start":1227.8099,"end":1228.21,"sentiment":"neutral","sentiment_score":0.18844738602638245}],"sentiment":"neutral","sentiment_score":0.205771310461892,"channel":0,"num_words":9,"start":1224.365,"end":1228.21},{"sentences":[{"text":"Okay.","start":1228.1849,"end":1228.6849,"sentiment":"neutral","sentiment_score":0.175350159406662}],"sentiment":"neutral","sentiment_score":0.175350159406662,"channel":1,"num_words":1,"start":1228.1849,"end":1228.6849},{"sentences":[{"text":"is a financial planning firm.","start":1228.21,"end":1229.9099,"sentiment":"neutral","sentiment_score":0.20734215676784515},{"text":"So Caden, who you spoke to, and Michelle, who you spoke to, they are part of my beautiful administration team, and they support, answer questions, assist with documentation.","start":1230.85,"end":1242.1499,"sentiment":"positive","sentiment_score":0.35848903922098024},{"text":"And and, basically, what we do is we help with not only super insurance, but we can help with a lot","start":1243.755,"end":1249.035,"sentiment":"positive","sentiment_score":0.3396250981660116}],"sentiment":"positive","sentiment_score":0.3371579804354244,"channel":0,"num_words":54,"start":1228.21,"end":1249.035},{"sentences":[{"text":"Yeah.","start":1248.89,"end":1249.39,"sentiment":"neutral","sentiment_score":0.20104312896728516}],"sentiment":"neutral","sentiment_score":0.20104312896728516,"channel":1,"num_words":1,"start":1248.89,"end":1249.39},{"sentences":[{"text":"of wider advice pieces as well.","start":1249.035,"end":1252.155,"sentiment":"neutral","sentiment_score":0.21071072916189829},{"text":"So it can come down to budgeting.","start":1252.155,"end":1253.755,"sentiment":"neutral","sentiment_score":0.22834111962999618},{"text":"It can come down to, you know, purchase of houses, lots of different sort of little niche","start":1253.755,"end":1259.02,"sentiment":"neutral","sentiment_score":0.13757445882348454}],"sentiment":"neutral","sentiment_score":0.17338060041268666,"channel":0,"num_words":30,"start":1249.035,"end":1259.02},{"sentences":[{"text":"Okay.","start":1258.985,"end":1259.385,"sentiment":"neutral","sentiment_score":0.06507385522127151}],"sentiment":"neutral","sentiment_score":0.06507385522127151,"channel":1,"num_words":1,"start":1258.985,"end":1259.385},{"sentences":[{"text":"things as","start":1259.02,"end":1259.5,"sentiment":"neutral","sentiment_score":0.019451693631708622}],"sentiment":"neutral","sentiment_score":0.019451693631708622,"channel":0,"num_words":2,"start":1259.02,"end":1259.5},{"sentences":[{"text":"What","start":1259.385,"end":1259.545,"sentiment":"neutral","sentiment_score":0.011803779751062391}],"sentiment":"neutral","sentiment_score":0.011803779751062391,"channel":1,"num_words":1,"start":1259.385,"end":1259.545},{"sentences":[{"text":"well.","start":1259.5,"end":1260.0,"sentiment":"neutral","sentiment_score":-0.002615679055452347}],"sentiment":"neutral","sentiment_score":-0.002615679055452347,"channel":0,"num_words":1,"start":1259.5,"end":1260.0},{"sentences":[{"text":"about what about health insurance?","start":1259.545,"end":1261.305,"sentiment":"neutral","sentiment_score":-0.07048350423574448},{"text":"Do you know much about health insurance?","start":1261.305,"end":1263.005,"sentiment":"neutral","sentiment_score":-0.10020405054092407}],"sentiment":"neutral","sentiment_score":-0.08782048958043258,"channel":1,"num_words":12,"start":1259.545,"end":1263.005},{"sentences":[{"text":"Do know a lot about it, but it's not an area of advice that we can give because that is general insurance.","start":1263.66,"end":1270.225,"sentiment":"neutral","sentiment_score":-0.17444920980117537},{"text":"We're not we don't do general insurance.","start":1270.225,"end":1272.245,"sentiment":"neutral","sentiment_score":-0.23205117668424333},{"text":"No financial","start":1272.385,"end":1273.025,"sentiment":"neutral","sentiment_score":-0.1505313590168953}],"sentiment":"neutral","sentiment_score":-0.185913018401592,"channel":0,"num_words":31,"start":1263.66,"end":1273.025},{"sentences":[{"text":"Yeah.","start":1272.8301,"end":1273.3301,"sentiment":"neutral","sentiment_score":-0.08262749016284943}],"sentiment":"neutral","sentiment_score":-0.08262749016284943,"channel":1,"num_words":1,"start":1272.8301,"end":1273.3301},{"sentences":[{"text":"advice at will.","start":1273.025,"end":1274.005,"sentiment":"neutral","sentiment_score":-0.12243894735972087}],"sentiment":"neutral","sentiment_score":-0.12243894735972087,"channel":0,"num_words":3,"start":1273.025,"end":1274.005},{"sentences":[{"text":"I see.","start":1274.8301,"end":1275.15,"sentiment":"neutral","sentiment_score":-0.053044190630316734},{"text":"Yeah.","start":1275.15,"end":1275.39,"sentiment":"neutral","sentiment_score":-0.07333002984523773},{"text":"We're just thinking I mean, we we paid health insurance for another long, and we","start":1275.39,"end":1280.055,"sentiment":"neutral","sentiment_score":-0.15370313674211503}],"sentiment":"neutral","sentiment_score":-0.1380536367909776,"channel":1,"num_words":18,"start":1274.8301,"end":1280.055},{"sentences":[{"text":"Yeah.","start":1279.905,"end":1280.405,"sentiment":"neutral","sentiment_score":-0.1814480721950531}],"sentiment":"neutral","sentiment_score":-0.1814480721950531,"channel":0,"num_words":1,"start":1279.905,"end":1280.405},{"sentences":[{"text":"don't we haven't we don't use a lot of what we signed up for, and I'm just I know some people that don't have health insurance, and it's all good, but I don't know how to fix your tax at the end of the year.","start":1280.055,"end":1294.75,"sentiment":"neutral","sentiment_score":-0.31165934337510004}],"sentiment":"neutral","sentiment_score":-0.31165934337510004,"channel":1,"num_words":45,"start":1280.055,"end":1294.75},{"sentences":[{"text":"I mean,","start":1295.24,"end":1295.72,"sentiment":"neutral","sentiment_score":-0.16457216441631317}],"sentiment":"neutral","sentiment_score":-0.16457216441631317,"channel":0,"num_words":2,"start":1295.24,"end":1295.72},{"sentences":[{"text":"Do","start":1295.61,"end":1295.77,"sentiment":"neutral","sentiment_score":-0.22596606612205505}],"sentiment":"neutral","sentiment_score":-0.22596606612205505,"channel":1,"num_words":1,"start":1295.61,"end":1295.77},{"sentences":[{"text":"we","start":1295.72,"end":1295.88,"sentiment":"neutral","sentiment_score":-0.21917662024497983}],"sentiment":"neutral","sentiment_score":-0.21917662024497983,"channel":0,"num_words":1,"start":1295.72,"end":1295.88},{"sentences":[{"text":"you","start":1295.77,"end":1296.01,"sentiment":"neutral","sentiment_score":-0.23485982418060303}],"sentiment":"neutral","sentiment_score":-0.23485982418060303,"channel":1,"num_words":1,"start":1295.77,"end":1296.01},{"sentences":[{"text":"can","start":1295.88,"end":1296.38,"sentiment":"neutral","sentiment_score":-0.2201109230518341}],"sentiment":"neutral","sentiment_score":-0.2201109230518341,"channel":0,"num_words":1,"start":1295.88,"end":1296.38},{"sentences":[{"text":"know?","start":1296.01,"end":1296.51,"sentiment":"neutral","sentiment_score":-0.15684957802295685}],"sentiment":"neutral","sentiment_score":-0.15684957802295685,"channel":1,"num_words":1,"start":1296.01,"end":1296.51},{"sentences":[{"text":"we can definitely talk about sort of, I guess, what you get in tax concessions by having health insurance versus if you don't.","start":1296.6,"end":1305.635,"sentiment":"neutral","sentiment_score":-0.08717257140771202},{"text":"And","start":1306.015,"end":1306.255,"sentiment":"neutral","sentiment_score":0.06966087222099304}],"sentiment":"neutral","sentiment_score":-0.08063784458984931,"channel":0,"num_words":24,"start":1296.6,"end":1306.255},{"sentences":[{"text":"Yeah.","start":1306.09,"end":1306.59,"sentiment":"neutral","sentiment_score":0.06492965668439865}],"sentiment":"neutral","sentiment_score":0.06492965668439865,"channel":1,"num_words":1,"start":1306.09,"end":1306.59},{"sentences":[{"text":"then you're able to have that information to then make an informed decision as to whether you cut your plan, get rid of your plan, or drop your plan down too.","start":1306.255,"end":1314.09,"sentiment":"neutral","sentiment_score":0.03541994551497121},{"text":"So I know there are","start":1314.1699,"end":1314.97,"sentiment":"neutral","sentiment_score":0.0013171970844268795}],"sentiment":"neutral","sentiment_score":0.03068345267739561,"channel":0,"num_words":36,"start":1306.255,"end":1314.97},{"sentences":[{"text":"Yeah.","start":1314.7051,"end":1315.2051,"sentiment":"neutral","sentiment_score":0.02518760971724987}],"sentiment":"neutral","sentiment_score":0.02518760971724987,"channel":1,"num_words":1,"start":1314.7051,"end":1315.2051},{"sentences":[{"text":"a few few providers that do exist from personal research","start":1314.97,"end":1318.35,"sentiment":"neutral","sentiment_score":0.03547659665346146}],"sentiment":"neutral","sentiment_score":0.03547659665346146,"channel":0,"num_words":10,"start":1314.97,"end":1318.35},{"sentences":[{"text":"Yeah.","start":1319.425,"end":1319.85,"sentiment":"neutral","sentiment_score":0.07037530094385147}],"sentiment":"neutral","sentiment_score":0.07037530094385147,"channel":1,"num_words":1,"start":1319.425,"end":1319.85},{"sentences":[{"text":"that basically do really basic tax plans that, like, the the whole point of the plan is you pay a little bit of money.","start":1319.69,"end":1326.49,"sentiment":"neutral","sentiment_score":0.044854338436077036},{"text":"It doesn't give you a lot of coverage, but it's way better than the tax you pay.","start":1326.49,"end":1329.7899,"sentiment":"neutral","sentiment_score":0.2897655253901201}],"sentiment":"neutral","sentiment_score":0.14640287936824123,"channel":0,"num_words":41,"start":1319.69,"end":1329.7899},{"sentences":[{"text":"Yeah.","start":1330.89,"end":1331.13,"sentiment":"neutral","sentiment_score":0.049910660833120346},{"text":"Because, I mean, I've I've had a lot of health things appointments, and my health fund doesn't doesn't cover a lot of them, what I had done, but Medicare did.","start":1331.13,"end":1343.795,"sentiment":"neutral","sentiment_score":-0.0836858857423067},{"text":"So what's the point in having","start":1343.795,"end":1345.395,"sentiment":"neutral","sentiment_score":0.02006757554287712}],"sentiment":"neutral","sentiment_score":-0.06325028265348158,"channel":1,"num_words":37,"start":1330.89,"end":1345.395},{"sentences":[{"text":"Yeah.","start":1345.1951,"end":1345.6951,"sentiment":"neutral","sentiment_score":0.07195556163787842}],"sentiment":"neutral","sentiment_score":0.07195556163787842,"channel":0,"num_words":1,"start":1345.1951,"end":1345.6951},{"sentences":[{"text":"it if Medicare is gonna help me out?","start":1345.395,"end":1346.995,"sentiment":"neutral","sentiment_score":0.11826843116432428},{"text":"You know what I mean?","start":1346.995,"end":1348.02,"sentiment":"neutral","sentiment_score":-0.018816464766860008}],"sentiment":"neutral","sentiment_score":0.06554347119079186,"channel":1,"num_words":13,"start":1345.395,"end":1348.02},{"sentences":[{"text":"Oh, no.","start":1348.27,"end":1348.6699,"sentiment":"neutral","sentiment_score":-0.19943535327911377},{"text":"I know.","start":1348.6699,"end":1349.07,"sentiment":"neutral","sentiment_score":-0.2536771893501282},{"text":"It it it kills me every time.","start":1349.07,"end":1351.07,"sentiment":"negative","sentiment_score":-0.5023474224976131},{"text":"I, you know,","start":1351.07,"end":1351.63,"sentiment":"neutral","sentiment_score":-0.13736037413279215}],"sentiment":"negative","sentiment_score":-0.3453384403671537,"channel":0,"num_words":14,"start":1348.27,"end":1351.63},{"sentences":[{"text":"So,","start":1351.54,"end":1352.02,"sentiment":"neutral","sentiment_score":-0.07069629430770874}],"sentiment":"neutral","sentiment_score":-0.07069629430770874,"channel":1,"num_words":1,"start":1351.54,"end":1352.02},{"sentences":[{"text":"take the","start":1351.63,"end":1352.11,"sentiment":"neutral","sentiment_score":-0.053468722850084305}],"sentiment":"neutral","sentiment_score":-0.053468722850084305,"channel":0,"num_words":2,"start":1351.63,"end":1352.11},{"sentences":[{"text":"yeah,","start":1352.02,"end":1352.26,"sentiment":"neutral","sentiment_score":-0.02121085673570633}],"sentiment":"neutral","sentiment_score":-0.02121085673570633,"channel":1,"num_words":1,"start":1352.02,"end":1352.26},{"sentences":[{"text":"take","start":1352.11,"end":1352.35,"sentiment":"neutral","sentiment_score":-0.04519284516572952}],"sentiment":"neutral","sentiment_score":-0.04519284516572952,"channel":0,"num_words":1,"start":1352.11,"end":1352.35},{"sentences":[{"text":"I","start":1352.26,"end":1352.5,"sentiment":"neutral","sentiment_score":-0.05743671953678131}],"sentiment":"neutral","sentiment_score":-0.05743671953678131,"channel":1,"num_words":1,"start":1352.26,"end":1352.5},{"sentences":[{"text":"the","start":1352.35,"end":1352.51,"sentiment":"neutral","sentiment_score":-0.08482392877340317}],"sentiment":"neutral","sentiment_score":-0.08482392877340317,"channel":0,"num_words":1,"start":1352.35,"end":1352.51},{"sentences":[{"text":"just","start":1352.5,"end":1352.74,"sentiment":"neutral","sentiment_score":-0.1130700260400772}],"sentiment":"neutral","sentiment_score":-0.1130700260400772,"channel":1,"num_words":1,"start":1352.5,"end":1352.74},{"sentences":[{"text":"kids","start":1352.51,"end":1352.75,"sentiment":"neutral","sentiment_score":-0.1475507915019989}],"sentiment":"neutral","sentiment_score":-0.1475507915019989,"channel":0,"num_words":1,"start":1352.51,"end":1352.75},{"sentences":[{"text":"wondered","start":1352.74,"end":1353.24,"sentiment":"neutral","sentiment_score":-0.08429764956235886}],"sentiment":"neutral","sentiment_score":-0.08429764956235886,"channel":1,"num_words":1,"start":1352.74,"end":1353.24},{"sentences":[{"text":"to the dentist and Medicare covers it.","start":1352.75,"end":1354.77,"sentiment":"neutral","sentiment_score":-0.10981308881725584}],"sentiment":"neutral","sentiment_score":-0.10981308881725584,"channel":0,"num_words":7,"start":1352.75,"end":1354.77},{"sentences":[{"text":"yeah.","start":1355.3,"end":1355.62,"sentiment":"neutral","sentiment_score":-0.055982448160648346},{"text":"I just wondered if what's the pros and cons of having or not having Health Fund and just.","start":1355.62,"end":1362.36,"sentiment":"neutral","sentiment_score":-0.05084955236978001},{"text":"But I know it's got something to do with the tax at the end of the year.","start":1362.775,"end":1365.495,"sentiment":"neutral","sentiment_score":-0.1582315875326886},{"text":"You might pay a little more.","start":1365.495,"end":1367.035,"sentiment":"neutral","sentiment_score":-0.27674392859141034},{"text":"You might your refund might not be as as good or yeah.","start":1367.175,"end":1370.375,"sentiment":"neutral","sentiment_score":-0.3278203457593918}],"sentiment":"neutral","sentiment_score":-0.17139850184321404,"channel":1,"num_words":54,"start":1355.3,"end":1370.375},{"sentences":[{"text":"I'm not too sure, to be honest.","start":1370.375,"end":1371.735,"sentiment":"neutral","sentiment_score":-0.2419226403747286},{"text":"I just thought you might know.","start":1371.735,"end":1373.115,"sentiment":"neutral","sentiment_score":-0.10573541621367137}],"sentiment":"neutral","sentiment_score":-0.17906699845424065,"channel":1,"num_words":13,"start":1370.375,"end":1373.115},{"sentences":[{"text":"Yeah.","start":1373.4199,"end":1373.6599,"sentiment":"neutral","sentiment_score":-0.047908857464790344},{"text":"So, basically, there's a there's a Medicare levy that exists.","start":1373.6599,"end":1377.0399,"sentiment":"neutral","sentiment_score":-0.05355266276746988},{"text":"If you don't have private health insurance, you pay the levy.","start":1377.6599,"end":1380.62,"sentiment":"neutral","sentiment_score":-0.06758607145060193},{"text":"If you do, you get an exemption.","start":1380.62,"end":1382.32,"sentiment":"neutral","sentiment_score":-0.009535181203058787}],"sentiment":"neutral","sentiment_score":-0.048056156535086963,"channel":0,"num_words":29,"start":1373.4199,"end":1382.32},{"sentences":[{"text":"Okay.","start":1383.51,"end":1384.01,"sentiment":"neutral","sentiment_score":0.0004264768213033676}],"sentiment":"neutral","sentiment_score":0.0004264768213033676,"channel":1,"num_words":1,"start":1383.51,"end":1384.01},{"sentences":[{"text":"And the levy is the 2% of wages based on different brackets and so on and so forth.","start":1383.58,"end":1389.255,"sentiment":"neutral","sentiment_score":0.008818355285459094}],"sentiment":"neutral","sentiment_score":0.008818355285459094,"channel":0,"num_words":18,"start":1383.58,"end":1389.255},{"sentences":[{"text":"It's","start":1390.765,"end":1391.165,"sentiment":"neutral","sentiment_score":0.007602793630212545}],"sentiment":"neutral","sentiment_score":0.007602793630212545,"channel":1,"num_words":1,"start":1390.765,"end":1391.165},{"sentences":[{"text":"And","start":1391.015,"end":1391.515,"sentiment":"neutral","sentiment_score":0.01153002306818962}],"sentiment":"neutral","sentiment_score":0.01153002306818962,"channel":0,"num_words":1,"start":1391.015,"end":1391.515},{"sentences":[{"text":"2%","start":1391.165,"end":1391.985,"sentiment":"neutral","sentiment_score":0.013891886919736862}],"sentiment":"neutral","sentiment_score":0.013891886919736862,"channel":1,"num_words":1,"start":1391.165,"end":1391.985},{"sentences":[{"text":"yeah.","start":1392.775,"end":1393.275,"sentiment":"neutral","sentiment_score":0.001125359907746315}],"sentiment":"neutral","sentiment_score":0.001125359907746315,"channel":0,"num_words":1,"start":1392.775,"end":1393.275},{"sentences":[{"text":"of your income.","start":1393.965,"end":1395.345,"sentiment":"neutral","sentiment_score":-0.010754246264696121}],"sentiment":"neutral","sentiment_score":-0.010754246264696121,"channel":1,"num_words":3,"start":1393.965,"end":1395.345},{"sentences":[{"text":"Yeah.","start":1396.775,"end":1397.175,"sentiment":"neutral","sentiment_score":-0.009004959836602211},{"text":"Based on","start":1397.175,"end":1397.575,"sentiment":"neutral","sentiment_score":-0.01604440249502659}],"sentiment":"neutral","sentiment_score":-0.01369792160888513,"channel":0,"num_words":3,"start":1396.775,"end":1397.575},{"sentences":[{"text":"I","start":1397.565,"end":1397.725,"sentiment":"neutral","sentiment_score":-0.01474151760339737}],"sentiment":"neutral","sentiment_score":-0.01474151760339737,"channel":1,"num_words":1,"start":1397.565,"end":1397.725},{"sentences":[{"text":"different","start":1397.575,"end":1397.895,"sentiment":"neutral","sentiment_score":-0.016061611473560333}],"sentiment":"neutral","sentiment_score":-0.016061611473560333,"channel":0,"num_words":1,"start":1397.575,"end":1397.895},{"sentences":[{"text":"see.","start":1397.725,"end":1398.225,"sentiment":"neutral","sentiment_score":-0.017700396478176117}],"sentiment":"neutral","sentiment_score":-0.017700396478176117,"channel":1,"num_words":1,"start":1397.725,"end":1398.225},{"sentences":[{"text":"brackets and but, essentially speaking, what happens is if you don't have private health that covers hospital, it's not the extras that a private health cares about.","start":1397.895,"end":1411.33,"sentiment":"neutral","sentiment_score":-0.07889086159842985},{"text":"It's it's literally just the private health hospital cover.","start":1411.33,"end":1414.23,"sentiment":"neutral","sentiment_score":-0.08758772164583206},{"text":"If","start":1414.85,"end":1414.93,"sentiment":"neutral","sentiment_score":-0.07628567516803741}],"sentiment":"neutral","sentiment_score":-0.08093590359832789,"channel":0,"num_words":37,"start":1397.895,"end":1414.93},{"sentences":[{"text":"Yes.","start":1414.86,"end":1415.205,"sentiment":"neutral","sentiment_score":-0.09301000088453291}],"sentiment":"neutral","sentiment_score":-0.09301000088453291,"channel":1,"num_words":1,"start":1414.86,"end":1415.205},{"sentences":[{"text":"you don't have the hospital cover, then you get stung with the levy.","start":1414.93,"end":1419.765,"sentiment":"neutral","sentiment_score":-0.22622568905353546},{"text":"If you do have the cover, then","start":1420.145,"end":1423.105,"sentiment":"neutral","sentiment_score":-0.009732044701065336}],"sentiment":"neutral","sentiment_score":-0.15045291353017093,"channel":0,"num_words":20,"start":1414.93,"end":1423.105},{"sentences":[{"text":"Yeah.","start":1422.8049,"end":1423.3049,"sentiment":"neutral","sentiment_score":0.03321996331214905}],"sentiment":"neutral","sentiment_score":0.03321996331214905,"channel":1,"num_words":1,"start":1422.8049,"end":1423.3049},{"sentences":[{"text":"you don't get stung with the levy.","start":1423.105,"end":1424.725,"sentiment":"neutral","sentiment_score":-0.14440274770770753}],"sentiment":"neutral","sentiment_score":-0.14440274770770753,"channel":0,"num_words":7,"start":1423.105,"end":1424.725},{"sentences":[{"text":"So you need to you need to calculate what your levy is worth and put it up against what you're paying annually for your health insurance and see which one's","start":1424.485,"end":1435.33,"sentiment":"neutral","sentiment_score":0.013100093059862653}],"sentiment":"neutral","sentiment_score":0.013100093059862653,"channel":1,"num_words":30,"start":1424.485,"end":1435.33},{"sentences":[{"text":"Better.","start":1436.04,"end":1436.52,"sentiment":"neutral","sentiment_score":0.026419155299663544}],"sentiment":"neutral","sentiment_score":0.026419155299663544,"channel":0,"num_words":1,"start":1436.04,"end":1436.52},{"sentences":[{"text":"better","start":1436.35,"end":1436.67,"sentiment":"neutral","sentiment_score":0.01681964099407196}],"sentiment":"neutral","sentiment_score":0.01681964099407196,"channel":1,"num_words":1,"start":1436.35,"end":1436.67},{"sentences":[{"text":"Yep.","start":1436.52,"end":1437.02,"sentiment":"neutral","sentiment_score":0.043772172182798386}],"sentiment":"neutral","sentiment_score":0.043772172182798386,"channel":0,"num_words":1,"start":1436.52,"end":1437.02},{"sentences":[{"text":"off,","start":1436.67,"end":1437.17,"sentiment":"neutral","sentiment_score":0.01661614328622818}],"sentiment":"neutral","sentiment_score":0.01661614328622818,"channel":1,"num_words":1,"start":1436.67,"end":1437.17},{"sentences":[{"text":"Pretty much.","start":1437.16,"end":1437.8,"sentiment":"neutral","sentiment_score":0.043130550533533096}],"sentiment":"neutral","sentiment_score":0.043130550533533096,"channel":0,"num_words":2,"start":1437.16,"end":1437.8},{"sentences":[{"text":"basically.","start":1437.55,"end":1438.05,"sentiment":"neutral","sentiment_score":0.0034587588161230087}],"sentiment":"neutral","sentiment_score":0.0034587588161230087,"channel":1,"num_words":1,"start":1437.55,"end":1438.05},{"sentences":[{"text":"What I mean, can I ask?","start":1437.8,"end":1439.4,"sentiment":"neutral","sentiment_score":-0.018395792692899704},{"text":"Because what I can do is I can","start":1439.4,"end":1440.4401,"sentiment":"neutral","sentiment_score":0.08966811280697584}],"sentiment":"neutral","sentiment_score":0.04335501044988632,"channel":0,"num_words":14,"start":1437.8,"end":1440.4401},{"sentences":[{"text":"Yep.","start":1440.27,"end":1440.585,"sentiment":"neutral","sentiment_score":0.08569668978452682}],"sentiment":"neutral","sentiment_score":0.08569668978452682,"channel":1,"num_words":1,"start":1440.27,"end":1440.585},{"sentences":[{"text":"calculate both of your levies today, and I","start":1440.4401,"end":1443.2649,"sentiment":"neutral","sentiment_score":0.08533205511048436}],"sentiment":"neutral","sentiment_score":0.08533205511048436,"channel":0,"num_words":8,"start":1440.4401,"end":1443.2649},{"sentences":[{"text":"Yep.","start":1443.065,"end":1443.565,"sentiment":"neutral","sentiment_score":0.09472178667783736}],"sentiment":"neutral","sentiment_score":0.09472178667783736,"channel":1,"num_words":1,"start":1443.065,"end":1443.565},{"sentences":[{"text":"can send you an email and be like, this is your breakdown of your tax, blah","start":1443.2649,"end":1447.185,"sentiment":"neutral","sentiment_score":0.06666159408632666}],"sentiment":"neutral","sentiment_score":0.06666159408632666,"channel":0,"num_words":16,"start":1443.2649,"end":1447.185},{"sentences":[{"text":"Yeah.","start":1447.145,"end":1447.465,"sentiment":"neutral","sentiment_score":0.08263503760099411}],"sentiment":"neutral","sentiment_score":0.08263503760099411,"channel":1,"num_words":1,"start":1447.145,"end":1447.465},{"sentences":[{"text":"blah blah.","start":1447.185,"end":1447.925,"sentiment":"neutral","sentiment_score":0.11341192945837975}],"sentiment":"neutral","sentiment_score":0.11341192945837975,"channel":0,"num_words":2,"start":1447.185,"end":1447.925},{"sentences":[{"text":"That'll be great.","start":1447.465,"end":1448.5249,"sentiment":"positive","sentiment_score":0.6017898321151733}],"sentiment":"positive","sentiment_score":0.6017898321151733,"channel":1,"num_words":3,"start":1447.465,"end":1448.5249},{"sentences":[{"text":"What's your income?","start":1448.945,"end":1450.005,"sentiment":"neutral","sentiment_score":0.1137486199537913}],"sentiment":"neutral","sentiment_score":0.1137486199537913,"channel":0,"num_words":3,"start":1448.945,"end":1450.005},{"sentences":[{"text":"Oh, that one's me.","start":1452.0249,"end":1453.065,"sentiment":"neutral","sentiment_score":0.05472477339208126},{"text":"The same as Casper.","start":1453.065,"end":1454.125,"sentiment":"neutral","sentiment_score":0.06204364262521267}],"sentiment":"neutral","sentiment_score":0.058384208008646965,"channel":1,"num_words":8,"start":1452.0249,"end":1454.125},{"sentences":[{"text":"Okay.","start":1454.945,"end":1455.345,"sentiment":"neutral","sentiment_score":0.04283251613378525}],"sentiment":"neutral","sentiment_score":0.04283251613378525,"channel":0,"num_words":1,"start":1454.945,"end":1455.345},{"sentences":[{"text":"What did","start":1455.05,"end":1455.45,"sentiment":"neutral","sentiment_score":0.030918506905436516}],"sentiment":"neutral","sentiment_score":0.030918506905436516,"channel":1,"num_words":2,"start":1455.05,"end":1455.45},{"sentences":[{"text":"So","start":1455.345,"end":1455.585,"sentiment":"neutral","sentiment_score":0.026197243481874462}],"sentiment":"neutral","sentiment_score":0.026197243481874462,"channel":0,"num_words":1,"start":1455.345,"end":1455.585},{"sentences":[{"text":"you work","start":1455.45,"end":1455.77,"sentiment":"neutral","sentiment_score":0.02956310287117958}],"sentiment":"neutral","sentiment_score":0.02956310287117958,"channel":1,"num_words":2,"start":1455.45,"end":1455.77},{"sentences":[{"text":"I'll","start":1455.585,"end":1456.085,"sentiment":"neutral","sentiment_score":0.04121757298707962}],"sentiment":"neutral","sentiment_score":0.04121757298707962,"channel":0,"num_words":1,"start":1455.585,"end":1456.085},{"sentences":[{"text":"yours out on WorkPac?","start":1455.77,"end":1456.83,"sentiment":"neutral","sentiment_score":0.0438655037432909},{"text":"I just went a 182.","start":1456.97,"end":1458.91,"sentiment":"neutral","sentiment_score":0.014085934311151505},{"text":"Well, yes.","start":1459.37,"end":1460.49,"sentiment":"neutral","sentiment_score":0.06582244671881199},{"text":"We work we're we're casual at the moment.","start":1460.49,"end":1463.23,"sentiment":"neutral","sentiment_score":0.05033467384055257},{"text":"So we","start":1463.37,"end":1463.85,"sentiment":"neutral","sentiment_score":0.028171999379992485}],"sentiment":"neutral","sentiment_score":0.0398360937833786,"channel":1,"num_words":21,"start":1455.77,"end":1463.85},{"sentences":[{"text":"Yeah.","start":1463.7,"end":1464.2,"sentiment":"neutral","sentiment_score":0.04194740206003189}],"sentiment":"neutral","sentiment_score":0.04194740206003189,"channel":0,"num_words":1,"start":1463.7,"end":1464.2},{"sentences":[{"text":"we work 20 oh, it's gonna go down, isn't it?","start":1463.85,"end":1466.65,"sentiment":"neutral","sentiment_score":0.016455536987632514},{"text":"Hours.","start":1466.65,"end":1467.105,"sentiment":"neutral","sentiment_score":-0.0008465411956422031},{"text":"Hang on.","start":1467.1849,"end":1467.585,"sentiment":"neutral","sentiment_score":-0.02347911987453699},{"text":"Sorry.","start":1467.585,"end":1467.825,"sentiment":"neutral","sentiment_score":-0.08093862235546112},{"text":"I'll just talk about it really quickly.","start":1467.825,"end":1469.525,"sentiment":"neutral","sentiment_score":-0.03156781303031104}],"sentiment":"neutral","sentiment_score":-0.008817272601715689,"channel":1,"num_words":21,"start":1463.85,"end":1469.525},{"sentences":[{"text":"No.","start":1469.3,"end":1469.54,"sentiment":"neutral","sentiment_score":-0.061978552490472794},{"text":"You're okay.","start":1469.54,"end":1470.105,"sentiment":"neutral","sentiment_score":-0.0052528223022818565}],"sentiment":"neutral","sentiment_score":-0.024161399031678837,"channel":0,"num_words":3,"start":1469.3,"end":1470.105},{"sentences":[{"text":"Well, most of all she's doing that, you know, with","start":1469.825,"end":1472.785,"sentiment":"neutral","sentiment_score":0.01778381671756506}],"sentiment":"neutral","sentiment_score":0.01778381671756506,"channel":1,"num_words":10,"start":1469.825,"end":1472.785},{"sentences":[{"text":"Yeah.","start":1472.665,"end":1473.165,"sentiment":"neutral","sentiment_score":-0.0061023663729429245}],"sentiment":"neutral","sentiment_score":-0.0061023663729429245,"channel":0,"num_words":1,"start":1472.665,"end":1473.165},{"sentences":[{"text":"the 2% because when I first come to Australia, I didn't have it for a couple of years.","start":1472.785,"end":1477.605,"sentiment":"neutral","sentiment_score":-0.07005645489941041},{"text":"So","start":1477.825,"end":1478.065,"sentiment":"neutral","sentiment_score":-0.034434039145708084}],"sentiment":"neutral","sentiment_score":-0.06818159091237344,"channel":1,"num_words":19,"start":1472.785,"end":1478.065},{"sentences":[{"text":"Mhmm.","start":1477.945,"end":1478.445,"sentiment":"neutral","sentiment_score":-0.020551444962620735}],"sentiment":"neutral","sentiment_score":-0.020551444962620735,"channel":0,"num_words":1,"start":1477.945,"end":1478.445},{"sentences":[{"text":"I think mine is 28%, but then they buy it between the two of two of us on tax time.","start":1478.065,"end":1484.28,"sentiment":"neutral","sentiment_score":-0.02531174700707197},{"text":"So ours would actually be is it 2% for a year or is it at 14% for the year tax time because you didn't have it for a period of time?","start":1485.06,"end":1493.815,"sentiment":"neutral","sentiment_score":-0.0048747568000708855}],"sentiment":"neutral","sentiment_score":-0.012889262763600723,"channel":1,"num_words":51,"start":1478.065,"end":1493.815},{"sentences":[{"text":"Oh, Right.","start":1496.0,"end":1496.265,"sentiment":"neutral","sentiment_score":-0.00712962169200182},{"text":"You're talking about the if you're over 30 when you get it put in place, you","start":1496.265,"end":1499.865,"sentiment":"neutral","sentiment_score":-0.024762641871348023}],"sentiment":"neutral","sentiment_score":-0.022803417406976223,"channel":0,"num_words":18,"start":1496.0,"end":1499.865},{"sentences":[{"text":"Yes.","start":1499.6349,"end":1500.1349,"sentiment":"neutral","sentiment_score":-0.0025824010372161865}],"sentiment":"neutral","sentiment_score":-0.0025824010372161865,"channel":1,"num_words":1,"start":1499.6349,"end":1500.1349},{"sentences":[{"text":"pay a high","start":1499.865,"end":1500.425,"sentiment":"neutral","sentiment_score":-0.020080994814634323}],"sentiment":"neutral","sentiment_score":-0.020080994814634323,"channel":0,"num_words":3,"start":1499.865,"end":1500.425},{"sentences":[{"text":"Yes.","start":1500.5149,"end":1501.0149,"sentiment":"neutral","sentiment_score":-0.01708870381116867}],"sentiment":"neutral","sentiment_score":-0.01708870381116867,"channel":1,"num_words":1,"start":1500.5149,"end":1501.0149},{"sentences":[{"text":"no.","start":1500.665,"end":1500.985,"sentiment":"neutral","sentiment_score":-0.115136057138443},{"text":"That's that's the that's that's different.","start":1500.985,"end":1504.2051,"sentiment":"neutral","sentiment_score":-0.10759830350677173},{"text":"And what that is is that's basically a insurer based thing.","start":1504.425,"end":1509.3251,"sentiment":"neutral","sentiment_score":-0.07873476906256242},{"text":"So the insurance company sent around and went, well, the older you get, the more likely you are to claim.","start":1509.4099,"end":1513.57,"sentiment":"neutral","sentiment_score":-0.15617269463837147},{"text":"And if you didn't have our cover before you turned 30 and you're doing this now because you are 30 and you realize that things are starting to happen health wise, you're gonna pay a higher premium.","start":1513.57,"end":1522.87,"sentiment":"neutral","sentiment_score":-0.19339563153885506}],"sentiment":"neutral","sentiment_score":-0.15874534130096435,"channel":0,"num_words":75,"start":1500.665,"end":1522.87},{"sentences":[{"text":"That's totally different to","start":1522.935,"end":1523.8351,"sentiment":"neutral","sentiment_score":-0.19931777566671371}],"sentiment":"neutral","sentiment_score":-0.19931777566671371,"channel":0,"num_words":4,"start":1522.935,"end":1523.8351},{"sentences":[{"text":"No.","start":1523.9249,"end":1524.4249,"sentiment":"neutral","sentiment_score":-0.26920264959335327}],"sentiment":"neutral","sentiment_score":-0.26920264959335327,"channel":1,"num_words":1,"start":1523.9249,"end":1524.4249},{"sentences":[{"text":"the the Medicare levy side.","start":1524.055,"end":1525.8351,"sentiment":"neutral","sentiment_score":-0.2560770809650421}],"sentiment":"neutral","sentiment_score":-0.2560770809650421,"channel":0,"num_words":5,"start":1524.055,"end":1525.8351},{"sentences":[{"text":"So","start":1526.725,"end":1527.0449,"sentiment":"neutral","sentiment_score":-0.06624909490346909}],"sentiment":"neutral","sentiment_score":-0.06624909490346909,"channel":1,"num_words":1,"start":1526.725,"end":1527.0449},{"sentences":[{"text":"Yeah.","start":1526.8551,"end":1527.3551,"sentiment":"neutral","sentiment_score":-0.045533426105976105}],"sentiment":"neutral","sentiment_score":-0.045533426105976105,"channel":0,"num_words":1,"start":1526.8551,"end":1527.3551},{"sentences":[{"text":"that's why it's better to to have it than not let it not have it during the year because you get yeah.","start":1527.0449,"end":1533.86,"sentiment":"neutral","sentiment_score":-0.11084196369417688},{"text":"Okay.","start":1533.86,"end":1534.36,"sentiment":"neutral","sentiment_score":-0.10778336226940156},{"text":"It's got nothing to do with this Yeah.","start":1534.5,"end":1536.4199,"sentiment":"neutral","sentiment_score":-0.21281764842569828},{"text":"Going yeah.","start":1536.5,"end":1537.22,"sentiment":"neutral","sentiment_score":-0.060216568410396576},{"text":"So if","start":1537.22,"end":1537.62,"sentiment":"neutral","sentiment_score":0.0040736328810453415}],"sentiment":"neutral","sentiment_score":-0.12460381777158805,"channel":1,"num_words":35,"start":1527.0449,"end":1537.62},{"sentences":[{"text":"Yeah.","start":1537.5751,"end":1538.0751,"sentiment":"neutral","sentiment_score":0.010132513009011744}],"sentiment":"neutral","sentiment_score":0.010132513009011744,"channel":0,"num_words":1,"start":1537.5751,"end":1538.0751},{"sentences":[{"text":"we basically just get a basic cover with with hospital, that's the best way to go because that still covers that 2%.","start":1537.62,"end":1545.225,"sentiment":"neutral","sentiment_score":0.07247297889129682}],"sentiment":"neutral","sentiment_score":0.07247297889129682,"channel":1,"num_words":22,"start":1537.62,"end":1545.225},{"sentences":[{"text":"It'll be the cheapest way, but it just depends on whether you have other things that you wanna claim, which is where the extras come in.","start":1545.79,"end":1552.365,"sentiment":"neutral","sentiment_score":0.05694805966833463}],"sentiment":"neutral","sentiment_score":0.05694805966833463,"channel":0,"num_words":26,"start":1545.79,"end":1552.365},{"sentences":[{"text":"Oh.","start":1552.745,"end":1552.905,"sentiment":"neutral","sentiment_score":-0.004925047978758812}],"sentiment":"neutral","sentiment_score":-0.004925047978758812,"channel":1,"num_words":1,"start":1552.745,"end":1552.905},{"sentences":[{"text":"So,","start":1552.765,"end":1552.925,"sentiment":"neutral","sentiment_score":-0.009195810183882712}],"sentiment":"neutral","sentiment_score":-0.009195810183882712,"channel":0,"num_words":1,"start":1552.765,"end":1552.925},{"sentences":[{"text":"Yeah.","start":1552.905,"end":1553.3049,"sentiment":"neutral","sentiment_score":-0.033519551157951355}],"sentiment":"neutral","sentiment_score":-0.033519551157951355,"channel":1,"num_words":1,"start":1552.905,"end":1553.3049},{"sentences":[{"text":"like, the","start":1552.925,"end":1553.405,"sentiment":"neutral","sentiment_score":-0.04955205135047436}],"sentiment":"neutral","sentiment_score":-0.04955205135047436,"channel":0,"num_words":2,"start":1552.925,"end":1553.405},{"sentences":[{"text":"We","start":1553.3049,"end":1553.5449,"sentiment":"neutral","sentiment_score":-0.10752998292446136}],"sentiment":"neutral","sentiment_score":-0.10752998292446136,"channel":1,"num_words":1,"start":1553.3049,"end":1553.5449},{"sentences":[{"text":"dent","start":1553.405,"end":1553.645,"sentiment":"neutral","sentiment_score":-0.19711098074913025}],"sentiment":"neutral","sentiment_score":-0.19711098074913025,"channel":0,"num_words":1,"start":1553.405,"end":1553.645},{"sentences":[{"text":"do not","start":1553.5449,"end":1554.025,"sentiment":"neutral","sentiment_score":-0.1866396814584732}],"sentiment":"neutral","sentiment_score":-0.1866396814584732,"channel":1,"num_words":2,"start":1553.5449,"end":1554.025},{"sentences":[{"text":"the dentist can","start":1553.725,"end":1554.445,"sentiment":"neutral","sentiment_score":-0.20164385437965393}],"sentiment":"neutral","sentiment_score":-0.20164385437965393,"channel":0,"num_words":3,"start":1553.725,"end":1554.445},{"sentences":[{"text":"I","start":1554.345,"end":1554.505,"sentiment":"neutral","sentiment_score":-0.2746412456035614}],"sentiment":"neutral","sentiment_score":-0.2746412456035614,"channel":1,"num_words":1,"start":1554.345,"end":1554.505},{"sentences":[{"text":"be","start":1554.445,"end":1554.6849,"sentiment":"neutral","sentiment_score":-0.2625493109226227}],"sentiment":"neutral","sentiment_score":-0.2625493109226227,"channel":0,"num_words":1,"start":1554.445,"end":1554.6849},{"sentences":[{"text":"think","start":1554.505,"end":1554.745,"sentiment":"neutral","sentiment_score":-0.3000272810459137}],"sentiment":"neutral","sentiment_score":-0.3000272810459137,"channel":1,"num_words":1,"start":1554.505,"end":1554.745},{"sentences":[{"text":"expensive.","start":1554.6849,"end":1555.1849,"sentiment":"neutral","sentiment_score":-0.18837930262088776}],"sentiment":"neutral","sentiment_score":-0.18837930262088776,"channel":0,"num_words":1,"start":1554.6849,"end":1555.1849},{"sentences":[{"text":"we're we're","start":1554.745,"end":1555.785,"sentiment":"neutral","sentiment_score":-0.10133013874292374}],"sentiment":"neutral","sentiment_score":-0.10133013874292374,"channel":1,"num_words":2,"start":1554.745,"end":1555.785},{"sentences":[{"text":"Optical","start":1555.645,"end":1556.145,"sentiment":"neutral","sentiment_score":0.05979124829173088}],"sentiment":"neutral","sentiment_score":0.05979124829173088,"channel":0,"num_words":1,"start":1555.645,"end":1556.145},{"sentences":[{"text":"happy to","start":1555.785,"end":1556.345,"sentiment":"neutral","sentiment_score":-0.05333328992128372}],"sentiment":"neutral","sentiment_score":-0.05333328992128372,"channel":1,"num_words":2,"start":1555.785,"end":1556.345},{"sentences":[{"text":"can","start":1556.205,"end":1556.445,"sentiment":"neutral","sentiment_score":-0.09259054064750671}],"sentiment":"neutral","sentiment_score":-0.09259054064750671,"channel":0,"num_words":1,"start":1556.205,"end":1556.445},{"sentences":[{"text":"pay","start":1556.345,"end":1556.845,"sentiment":"neutral","sentiment_score":-0.09881626069545746}],"sentiment":"neutral","sentiment_score":-0.09881626069545746,"channel":1,"num_words":1,"start":1556.345,"end":1556.845},{"sentences":[{"text":"be expensive.","start":1556.445,"end":1557.025,"sentiment":"neutral","sentiment_score":-0.13703973591327667}],"sentiment":"neutral","sentiment_score":-0.13703973591327667,"channel":0,"num_words":2,"start":1556.445,"end":1557.025},{"sentences":[{"text":"full price for our Cairo and his glasses because the amount that we claim on those annually is much less than what we're paying annually for health insurance, if you know what I mean.","start":1556.905,"end":1566.5499,"sentiment":"neutral","sentiment_score":-0.13727542253978112}],"sentiment":"neutral","sentiment_score":-0.13727542253978112,"channel":1,"num_words":34,"start":1556.905,"end":1566.5499},{"sentences":[{"text":"Yes.","start":1566.57,"end":1566.97,"sentiment":"neutral","sentiment_score":-0.08215609192848206},{"text":"No.","start":1566.97,"end":1567.21,"sentiment":"negative","sentiment_score":-0.33340445160865784},{"text":"Definitely.","start":1567.21,"end":1567.69,"sentiment":"neutral","sentiment_score":-0.3116600513458252},{"text":"No.","start":1567.69,"end":1567.85,"sentiment":"negative","sentiment_score":-0.5210943222045898},{"text":"I I get it too.","start":1567.85,"end":1568.73,"sentiment":"negative","sentiment_score":-0.5320500016212464}],"sentiment":"negative","sentiment_score":-0.4342849916881985,"channel":0,"num_words":9,"start":1566.57,"end":1568.73},{"sentences":[{"text":"I it it it literally kills.","start":1568.73,"end":1571.07,"sentiment":"negative","sentiment_score":-0.6561243534088135}],"sentiment":"negative","sentiment_score":-0.6561243534088135,"channel":0,"num_words":6,"start":1568.73,"end":1571.07},{"sentences":[{"text":"Yeah.","start":1571.65,"end":1572.0499,"sentiment":"neutral","sentiment_score":-0.07384079694747925},{"text":"So 78 what's your payment?","start":1572.0499,"end":1573.75,"sentiment":"neutral","sentiment_score":-0.014491314999759197},{"text":"78.","start":1573.8099,"end":1574.71,"sentiment":"neutral","sentiment_score":-0.0019539818167686462},{"text":"78.","start":1575.745,"end":1576.5449,"sentiment":"neutral","sentiment_score":-0.0010523039381951094},{"text":"16802.","start":1576.5449,"end":1578.025,"sentiment":"neutral","sentiment_score":-0.00032052103779278696}],"sentiment":"neutral","sentiment_score":-0.01662490874878131,"channel":1,"num_words":9,"start":1571.65,"end":1578.025},{"sentences":[{"text":"68.","start":1578.025,"end":1578.885,"sentiment":"neutral","sentiment_score":-0.0005080917617306113},{"text":"Alright.","start":1580.865,"end":1581.1849,"sentiment":"neutral","sentiment_score":0.005321571137756109},{"text":"How many fortnights?","start":1581.1849,"end":1582.065,"sentiment":"neutral","sentiment_score":-0.0001968126161955297},{"text":"Twenty six.","start":1582.065,"end":1582.5449,"sentiment":"neutral","sentiment_score":-0.0009273051982745527},{"text":"171.","start":1582.5449,"end":1587.745,"sentiment":"neutral","sentiment_score":-0.002753856824710965}],"sentiment":"neutral","sentiment_score":-0.00004817821172764525,"channel":1,"num_words":8,"start":1578.025,"end":1587.745},{"sentences":[{"text":"Where'd you get $1.82 from?","start":1587.745,"end":1589.525,"sentiment":"neutral","sentiment_score":-0.015697708539664745},{"text":"Because I thought it was the same as the job we just came from because I don't have pay.","start":1589.63,"end":1593.15,"sentiment":"neutral","sentiment_score":-0.11628717772270504},{"text":"Right?","start":1593.15,"end":1593.65,"sentiment":"neutral","sentiment_score":-0.03769810125231743},{"text":"Yeah.","start":1596.99,"end":1597.4701,"sentiment":"neutral","sentiment_score":-0.018159793689846992},{"text":"We're actually $1,718.03 because with our hours have just gone down, boy.","start":1597.4701,"end":1602.51,"sentiment":"neutral","sentiment_score":-0.05453996593132615}],"sentiment":"neutral","sentiment_score":-0.0789021685670473,"channel":1,"num_words":38,"start":1587.745,"end":1602.51},{"sentences":[{"text":"Oh, yes.","start":1602.51,"end":1603.15,"sentiment":"neutral","sentiment_score":0.011242959648370743},{"text":"Yeah.","start":1603.15,"end":1603.4701,"sentiment":"neutral","sentiment_score":0.014157898724079132},{"text":"One seventy one eighty three eight three seven roughly around the end.","start":1603.4701,"end":1608.425,"sentiment":"neutral","sentiment_score":0.006522535113617778}],"sentiment":"neutral","sentiment_score":0.007660949292282264,"channel":1,"num_words":15,"start":1602.51,"end":1608.425},{"sentences":[{"text":"Okay.","start":1608.755,"end":1609.235,"sentiment":"neutral","sentiment_score":0.007270137779414654},{"text":"1","start":1609.235,"end":1609.4751,"sentiment":"neutral","sentiment_score":0.003423374146223068}],"sentiment":"neutral","sentiment_score":0.005346755962818861,"channel":0,"num_words":2,"start":1608.755,"end":1609.4751},{"sentences":[{"text":"It's","start":1609.365,"end":1609.525,"sentiment":"neutral","sentiment_score":0.007421956863254309}],"sentiment":"neutral","sentiment_score":0.007421956863254309,"channel":1,"num_words":1,"start":1609.365,"end":1609.525},{"sentences":[{"text":"718837.","start":1609.4751,"end":1611.735,"sentiment":"neutral","sentiment_score":0.007555369287729263}],"sentiment":"neutral","sentiment_score":0.007555369287729263,"channel":0,"num_words":1,"start":1609.4751,"end":1611.735},{"sentences":[{"text":"all eight point","start":1609.525,"end":1613.045,"sentiment":"neutral","sentiment_score":0.006697103225936492}],"sentiment":"neutral","sentiment_score":0.006697103225936492,"channel":1,"num_words":3,"start":1609.525,"end":1613.045},{"sentences":[{"text":"Alright.","start":1612.915,"end":1613.415,"sentiment":"neutral","sentiment_score":0.017963476479053497}],"sentiment":"neutral","sentiment_score":0.017963476479053497,"channel":0,"num_words":1,"start":1612.915,"end":1613.415},{"sentences":[{"text":"12.","start":1613.045,"end":1613.545,"sentiment":"neutral","sentiment_score":0.008100857026875019},{"text":"You wanna be specific?","start":1613.685,"end":1614.905,"sentiment":"neutral","sentiment_score":0.008447672938928008}],"sentiment":"neutral","sentiment_score":0.00837830975651741,"channel":1,"num_words":5,"start":1613.045,"end":1614.905},{"sentences":[{"text":"You wanna be specific?","start":1615.3151,"end":1616.275,"sentiment":"neutral","sentiment_score":-0.0035573383793234825},{"text":"No.","start":1616.275,"end":1616.435,"sentiment":"neutral","sentiment_score":-0.11322593688964844},{"text":"That's cool.","start":1616.435,"end":1616.97,"sentiment":"neutral","sentiment_score":0.028699055314064026},{"text":"Alright.","start":1617.21,"end":1617.45,"sentiment":"neutral","sentiment_score":0.06707332283258438},{"text":"Well, I can I can work out what the levy would be based on that?","start":1617.45,"end":1620.57,"sentiment":"neutral","sentiment_score":0.046617832283178964}],"sentiment":"neutral","sentiment_score":0.030273201187019764,"channel":0,"num_words":23,"start":1615.3151,"end":1620.57},{"sentences":[{"text":"I'll also work it out on the 82,000 to account for, say, 10","start":1620.57,"end":1623.77,"sentiment":"neutral","sentiment_score":0.03160674547633299}],"sentiment":"neutral","sentiment_score":0.03160674547633299,"channel":0,"num_words":13,"start":1620.57,"end":1623.77},{"sentences":[{"text":"Yeah.","start":1623.7001,"end":1624.2001,"sentiment":"neutral","sentiment_score":0.02143368124961853}],"sentiment":"neutral","sentiment_score":0.02143368124961853,"channel":1,"num_words":1,"start":1623.7001,"end":1624.2001},{"sentences":[{"text":"grand worth of worth of","start":1623.77,"end":1625.85,"sentiment":"neutral","sentiment_score":0.0156534593552351}],"sentiment":"neutral","sentiment_score":0.0156534593552351,"channel":0,"num_words":5,"start":1623.77,"end":1625.85},{"sentences":[{"text":"Yes.","start":1625.78,"end":1626.28,"sentiment":"neutral","sentiment_score":0.03181878477334976}],"sentiment":"neutral","sentiment_score":0.03181878477334976,"channel":1,"num_words":1,"start":1625.78,"end":1626.28},{"sentences":[{"text":"overtime for the year.","start":1625.85,"end":1627.15,"sentiment":"neutral","sentiment_score":0.041299751959741116},{"text":"And and I'll just I'll throw those figures at you so that way you have it all broken down nicely and you can work backwards.","start":1628.09,"end":1635.285,"sentiment":"neutral","sentiment_score":0.11817152693867683}],"sentiment":"neutral","sentiment_score":0.1075685234933064,"channel":0,"num_words":29,"start":1625.85,"end":1635.285},{"sentences":[{"text":"Work backwards.","start":1635.7151,"end":1636.435,"sentiment":"neutral","sentiment_score":0.03137636184692383},{"text":"Thank you.","start":1636.435,"end":1636.8351,"sentiment":"positive","sentiment_score":0.38898836076259613},{"text":"Appreciate that.","start":1636.8351,"end":1637.635,"sentiment":"positive","sentiment_score":0.3950251042842865},{"text":"Now,","start":1637.635,"end":1637.9551,"sentiment":"neutral","sentiment_score":0.021487966179847717}],"sentiment":"neutral","sentiment_score":0.23603823142392294,"channel":1,"num_words":7,"start":1635.7151,"end":1637.9551},{"sentences":[{"text":"No.","start":1637.825,"end":1638.0651,"sentiment":"neutral","sentiment_score":-0.01812881231307983}],"sentiment":"neutral","sentiment_score":-0.01812881231307983,"channel":0,"num_words":1,"start":1637.825,"end":1638.0651},{"sentences":[{"text":"Larissa,","start":1637.9551,"end":1638.4551,"sentiment":"neutral","sentiment_score":-0.013159282505512238}],"sentiment":"neutral","sentiment_score":-0.013159282505512238,"channel":1,"num_words":1,"start":1637.9551,"end":1638.4551},{"sentences":[{"text":"That's okay.","start":1638.0651,"end":1638.805,"sentiment":"neutral","sentiment_score":-0.0005756216123700133}],"sentiment":"neutral","sentiment_score":-0.0005756216123700133,"channel":0,"num_words":2,"start":1638.0651,"end":1638.805},{"sentences":[{"text":"now that now because our house is getting cut from twelve and a half to twelve as of December, October.","start":1638.515,"end":1645.04,"sentiment":"neutral","sentiment_score":-0.06660299394279719},{"text":"This document you sent me, is that gonna make any changes really?","start":1645.04,"end":1648.4,"sentiment":"neutral","sentiment_score":-0.04542921188597878},{"text":"Do we have to adjust anything, or is that still","start":1648.4,"end":1651.28,"sentiment":"neutral","sentiment_score":-0.07483276836574078}],"sentiment":"neutral","sentiment_score":-0.0625128120272642,"channel":1,"num_words":42,"start":1638.515,"end":1651.28},{"sentences":[{"text":"No.","start":1651.12,"end":1651.62,"sentiment":"neutral","sentiment_score":-0.07052859663963318}],"sentiment":"neutral","sentiment_score":-0.07052859663963318,"channel":0,"num_words":1,"start":1651.12,"end":1651.62},{"sentences":[{"text":"good to go?","start":1651.28,"end":1651.8401,"sentiment":"positive","sentiment_score":0.4477993945280711},{"text":"Because you're still gonna do overtime anyway.","start":1651.8401,"end":1654.0,"sentiment":"neutral","sentiment_score":0.18874606915882655},{"text":"So","start":1654.0,"end":1654.16,"sentiment":"neutral","sentiment_score":0.2493004947900772}],"sentiment":"neutral","sentiment_score":0.2649019238623706,"channel":1,"num_words":11,"start":1651.28,"end":1654.16},{"sentences":[{"text":"Still good to go.","start":1654.64,"end":1655.78,"sentiment":"positive","sentiment_score":0.5565929263830185}],"sentiment":"positive","sentiment_score":0.5565929263830185,"channel":0,"num_words":4,"start":1654.64,"end":1655.78},{"sentences":[{"text":"okay.","start":1656.4,"end":1656.9,"sentiment":"neutral","sentiment_score":0.21663200855255127},{"text":"Do you wanna make a appointment with us to discuss anything to see if you're interested?","start":1657.76,"end":1661.2949,"sentiment":"neutral","sentiment_score":0.16246064566075802},{"text":"Yeah.","start":1661.755,"end":1661.875,"sentiment":"neutral","sentiment_score":0.08628750592470169},{"text":"I think I am interested.","start":1661.875,"end":1663.115,"sentiment":"neutral","sentiment_score":0.14404434561729432},{"text":"It's just getting the right time to do it.","start":1663.115,"end":1665.695,"sentiment":"neutral","sentiment_score":0.14047552479637992}],"sentiment":"neutral","sentiment_score":0.15271222800947726,"channel":1,"num_words":32,"start":1656.4,"end":1665.695},{"sentences":[{"text":"I'm trying to think tomorrow.","start":1666.635,"end":1668.255,"sentiment":"neutral","sentiment_score":0.013246993720531463},{"text":"What am I gonna have to do?","start":1668.315,"end":1669.775,"sentiment":"neutral","sentiment_score":-0.005207866297236511},{"text":"Oh, we're flying out to tomorrow.","start":1669.995,"end":1673.84,"sentiment":"neutral","sentiment_score":-0.04668057647844156},{"text":"We might have to leave it.","start":1673.84,"end":1674.7999,"sentiment":"neutral","sentiment_score":-0.06302777491509914},{"text":"Yeah.","start":1674.7999,"end":1675.04,"sentiment":"neutral","sentiment_score":0.0009592454880475998}],"sentiment":"neutral","sentiment_score":-0.025100438334047796,"channel":1,"num_words":25,"start":1666.635,"end":1675.04},{"sentences":[{"text":"Maybe I can make contact when I've got more time.","start":1675.04,"end":1677.28,"sentiment":"neutral","sentiment_score":0.008294677827507257},{"text":"The third and fourth of October.","start":1677.28,"end":1678.66,"sentiment":"neutral","sentiment_score":-0.0029267887584865093},{"text":"I'm","start":1679.44,"end":1679.6799,"sentiment":"neutral","sentiment_score":-0.006853956263512373}],"sentiment":"neutral","sentiment_score":0.0034430640859200675,"channel":1,"num_words":17,"start":1675.04,"end":1679.6799},{"sentences":[{"text":"We can","start":1679.48,"end":1679.88,"sentiment":"neutral","sentiment_score":-0.07381060719490051}],"sentiment":"neutral","sentiment_score":-0.07381060719490051,"channel":0,"num_words":2,"start":1679.48,"end":1679.88},{"sentences":[{"text":"not","start":1679.6799,"end":1679.92,"sentiment":"neutral","sentiment_score":-0.12519142031669617}],"sentiment":"neutral","sentiment_score":-0.12519142031669617,"channel":1,"num_words":1,"start":1679.6799,"end":1679.92},{"sentences":[{"text":"we","start":1679.88,"end":1680.0399,"sentiment":"neutral","sentiment_score":-0.1132911816239357}],"sentiment":"neutral","sentiment_score":-0.1132911816239357,"channel":0,"num_words":1,"start":1679.88,"end":1680.0399},{"sentences":[{"text":"certain.","start":1679.92,"end":1680.42,"sentiment":"neutral","sentiment_score":-0.11045977473258972}],"sentiment":"neutral","sentiment_score":-0.11045977473258972,"channel":1,"num_words":1,"start":1679.92,"end":1680.42},{"sentences":[{"text":"can we can book it for a couple of weeks out.","start":1680.0399,"end":1682.14,"sentiment":"neutral","sentiment_score":-0.08265724033117294},{"text":"I'm pretty unavailable this week anyway because I'm booked out, and then it's my","start":1682.6,"end":1687.375,"sentiment":"neutral","sentiment_score":-0.23709102613585337}],"sentiment":"neutral","sentiment_score":-0.16914016038179397,"channel":0,"num_words":25,"start":1680.0399,"end":1687.375},{"sentences":[{"text":"Yep.","start":1687.215,"end":1687.715,"sentiment":"neutral","sentiment_score":-0.08628295361995697}],"sentiment":"neutral","sentiment_score":-0.08628295361995697,"channel":1,"num_words":1,"start":1687.215,"end":1687.715},{"sentences":[{"text":"ten year wedding anniversary","start":1687.375,"end":1688.595,"sentiment":"neutral","sentiment_score":-0.03698103502392769}],"sentiment":"neutral","sentiment_score":-0.03698103502392769,"channel":0,"num_words":4,"start":1687.375,"end":1688.595},{"sentences":[{"text":"Oh, I'm not.","start":1689.135,"end":1689.695,"sentiment":"neutral","sentiment_score":-0.10458412269751231}],"sentiment":"neutral","sentiment_score":-0.10458412269751231,"channel":1,"num_words":3,"start":1689.135,"end":1689.695},{"sentences":[{"text":"on","start":1689.455,"end":1689.7749,"sentiment":"neutral","sentiment_score":-0.10238857567310332}],"sentiment":"neutral","sentiment_score":-0.10238857567310332,"channel":0,"num_words":1,"start":1689.455,"end":1689.7749},{"sentences":[{"text":"I","start":1689.695,"end":1689.775,"sentiment":"neutral","sentiment_score":-0.07730110734701157}],"sentiment":"neutral","sentiment_score":-0.07730110734701157,"channel":1,"num_words":1,"start":1689.695,"end":1689.775},{"sentences":[{"text":"Thursday.","start":1689.7749,"end":1690.2749,"sentiment":"neutral","sentiment_score":-0.05006169527769089}],"sentiment":"neutral","sentiment_score":-0.05006169527769089,"channel":0,"num_words":1,"start":1689.7749,"end":1690.2749},{"sentences":[{"text":"heard your message.","start":1689.775,"end":1690.675,"sentiment":"neutral","sentiment_score":-0.03067956989010175}],"sentiment":"neutral","sentiment_score":-0.03067956989010175,"channel":1,"num_words":3,"start":1689.775,"end":1690.675},{"sentences":[{"text":"Thank you.","start":1691.135,"end":1691.7749,"sentiment":"neutral","sentiment_score":0.07147803530097008},{"text":"I haven't killed","start":1691.7749,"end":1692.575,"sentiment":"neutral","sentiment_score":-0.15457730243603388}],"sentiment":"neutral","sentiment_score":-0.0641551673412323,"channel":0,"num_words":5,"start":1691.135,"end":1692.575},{"sentences":[{"text":"Mhmm.","start":1692.495,"end":1692.995,"sentiment":"neutral","sentiment_score":-0.1284632682800293}],"sentiment":"neutral","sentiment_score":-0.1284632682800293,"channel":1,"num_words":1,"start":1692.495,"end":1692.995},{"sentences":[{"text":"him yet.","start":1692.575,"end":1693.235,"sentiment":"neutral","sentiment_score":-0.1398286372423172}],"sentiment":"neutral","sentiment_score":-0.1398286372423172,"channel":0,"num_words":2,"start":1692.575,"end":1693.235},{"sentences":[{"text":"Yeah.","start":1693.615,"end":1694.115,"sentiment":"neutral","sentiment_score":-0.12536412477493286},{"text":"I'm just about killed Casper numerous times.","start":1694.815,"end":1697.315,"sentiment":"neutral","sentiment_score":-0.15847525000572205}],"sentiment":"neutral","sentiment_score":-0.1543363593518734,"channel":1,"num_words":8,"start":1693.615,"end":1697.315},{"sentences":[{"text":"Yeah.","start":1697.0549,"end":1697.5349,"sentiment":"neutral","sentiment_score":-0.053464945405721664},{"text":"Always.","start":1697.5349,"end":1698.0349,"sentiment":"neutral","sentiment_score":-0.034429050981998444},{"text":"We do.","start":1698.095,"end":1698.835,"sentiment":"neutral","sentiment_score":-0.03678480535745621}],"sentiment":"neutral","sentiment_score":-0.04036590177565813,"channel":0,"num_words":4,"start":1697.0549,"end":1698.835},{"sentences":[{"text":"Three years in.","start":1698.87,"end":1700.01,"sentiment":"neutral","sentiment_score":-0.04925509418050448}],"sentiment":"neutral","sentiment_score":-0.04925509418050448,"channel":1,"num_words":3,"start":1698.87,"end":1700.01},{"sentences":[{"text":"So, yeah, we're fifteen years just shy of fifteen years together, ten years married.","start":1702.07,"end":1705.91,"sentiment":"neutral","sentiment_score":-0.05183226428925991},{"text":"So I'm taking","start":1705.91,"end":1706.71,"sentiment":"neutral","sentiment_score":-0.1315505007902781}],"sentiment":"neutral","sentiment_score":-0.06590018837767489,"channel":0,"num_words":17,"start":1702.07,"end":1706.71},{"sentences":[{"text":"No.","start":1706.55,"end":1707.05,"sentiment":"negative","sentiment_score":-0.3351270258426666}],"sentiment":"negative","sentiment_score":-0.3351270258426666,"channel":1,"num_words":1,"start":1706.55,"end":1707.05},{"sentences":[{"text":"him away to get away from the kids in life.","start":1706.71,"end":1708.87,"sentiment":"neutral","sentiment_score":-0.2983218044042587},{"text":"And so, anyway, the week of like, I could probably do Friday the ninth or the following week, which would be the week of the October 12.","start":1708.87,"end":1716.6052,"sentiment":"neutral","sentiment_score":-0.013271263559107427},{"text":"That'd be","start":1717.8651,"end":1718.6051,"sentiment":"neutral","sentiment_score":-0.002809876808896661}],"sentiment":"neutral","sentiment_score":-0.08582466445528926,"channel":0,"num_words":39,"start":1706.71,"end":1718.6051},{"sentences":[{"text":"This yeah.","start":1718.275,"end":1719.875,"sentiment":"neutral","sentiment_score":0.010071786120533943},{"text":"The thirteenth.","start":1719.875,"end":1720.6151,"sentiment":"neutral","sentiment_score":0.011443790514022112},{"text":"I think I've got an appointment.","start":1720.675,"end":1721.895,"sentiment":"neutral","sentiment_score":0.020173429511487484},{"text":"One second.","start":1721.9551,"end":1722.515,"sentiment":"neutral","sentiment_score":0.015358394011855125},{"text":"But the thirteenth might be might work.","start":1722.515,"end":1725.7351,"sentiment":"neutral","sentiment_score":0.02085250137107713}],"sentiment":"neutral","sentiment_score":0.017934527787330904,"channel":1,"num_words":19,"start":1718.275,"end":1725.7351},{"sentences":[{"text":"Just gotta check.","start":1726.07,"end":1728.95,"sentiment":"neutral","sentiment_score":0.00453764076034228},{"text":"I know I've got an appointment that day.","start":1728.95,"end":1731.37,"sentiment":"neutral","sentiment_score":0.0025171010056510568},{"text":"Oh, no.","start":1732.31,"end":1732.87,"sentiment":"neutral","sentiment_score":0.006695220246911049},{"text":"I've got someone here to do that day.","start":1732.87,"end":1734.73,"sentiment":"neutral","sentiment_score":0.019550012657418847},{"text":"It's okay.","start":1734.79,"end":1735.35,"sentiment":"neutral","sentiment_score":0.1493387259542942}],"sentiment":"neutral","sentiment_score":0.021835553216869415,"channel":1,"num_words":23,"start":1726.07,"end":1735.35},{"sentences":[{"text":"We'll touch base because then we're going to New Zealand, so we're a good month out.","start":1735.35,"end":1738.995,"sentiment":"neutral","sentiment_score":0.1537620285525918}],"sentiment":"neutral","sentiment_score":0.1537620285525918,"channel":1,"num_words":16,"start":1735.35,"end":1738.995},{"sentences":[{"text":"No problems","start":1740.175,"end":1740.735,"sentiment":"neutral","sentiment_score":0.10599493607878685}],"sentiment":"neutral","sentiment_score":0.10599493607878685,"channel":0,"num_words":2,"start":1740.175,"end":1740.735},{"sentences":[{"text":"Yeah.","start":1740.675,"end":1741.175,"sentiment":"neutral","sentiment_score":0.11897998303174973}],"sentiment":"neutral","sentiment_score":0.11897998303174973,"channel":1,"num_words":1,"start":1740.675,"end":1741.175},{"sentences":[{"text":"at all.","start":1740.735,"end":1741.475,"sentiment":"neutral","sentiment_score":0.12887421622872353}],"sentiment":"neutral","sentiment_score":0.12887421622872353,"channel":0,"num_words":2,"start":1740.735,"end":1741.475},{"sentences":[{"text":"But","start":1742.195,"end":1742.515,"sentiment":"neutral","sentiment_score":0.209354966878891}],"sentiment":"neutral","sentiment_score":0.209354966878891,"channel":1,"num_words":1,"start":1742.195,"end":1742.515},{"sentences":[{"text":"Perfect.","start":1742.5751,"end":1743.0751,"sentiment":"positive","sentiment_score":0.34409910440444946}],"sentiment":"positive","sentiment_score":0.34409910440444946,"channel":0,"num_words":1,"start":1742.5751,"end":1743.0751},{"sentences":[{"text":"yeah.","start":1742.675,"end":1743.175,"sentiment":"neutral","sentiment_score":0.2088893949985504},{"text":"Oh,","start":1743.675,"end":1744.175,"sentiment":"neutral","sentiment_score":0.10916711390018465}],"sentiment":"neutral","sentiment_score":0.15902825444936752,"channel":1,"num_words":2,"start":1742.675,"end":1744.175},{"sentences":[{"text":"Oh, did you wanna give","start":1744.015,"end":1744.8151,"sentiment":"neutral","sentiment_score":0.08183951824903488}],"sentiment":"neutral","sentiment_score":0.08183951824903488,"channel":0,"num_words":5,"start":1744.015,"end":1744.8151},{"sentences":[{"text":"yeah.","start":1744.675,"end":1745.175,"sentiment":"neutral","sentiment_score":0.07929724454879761}],"sentiment":"neutral","sentiment_score":0.07929724454879761,"channel":1,"num_words":1,"start":1744.675,"end":1745.175},{"sentences":[{"text":"me your email address?","start":1744.8151,"end":1745.6951,"sentiment":"neutral","sentiment_score":0.06726755015552044},{"text":"And I'll I can just send you an email so you can touch base that way.","start":1745.6951,"end":1748.755,"sentiment":"neutral","sentiment_score":0.12520198803395033}],"sentiment":"neutral","sentiment_score":0.11361510045826435,"channel":0,"num_words":20,"start":1744.8151,"end":1748.755},{"sentences":[{"text":"Yep.","start":1749.315,"end":1749.715,"sentiment":"neutral","sentiment_score":0.06548072397708893},{"text":"It's Keriana, k e r I a n a","start":1749.715,"end":1754.89,"sentiment":"neutral","sentiment_score":0.031864776793453425}],"sentiment":"neutral","sentiment_score":0.03522637151181698,"channel":1,"num_words":10,"start":1749.315,"end":1754.89},{"sentences":[{"text":"Yep.","start":1756.17,"end":1756.67,"sentiment":"neutral","sentiment_score":0.03172237426042557}],"sentiment":"neutral","sentiment_score":0.03172237426042557,"channel":0,"num_words":1,"start":1756.17,"end":1756.67},{"sentences":[{"text":"k a w,","start":1756.47,"end":1757.37,"sentiment":"neutral","sentiment_score":0.011617787492771944}],"sentiment":"neutral","sentiment_score":0.011617787492771944,"channel":1,"num_words":3,"start":1756.47,"end":1757.37},{"sentences":[{"text":"K a w.","start":1758.17,"end":1759.29,"sentiment":"neutral","sentiment_score":0.00906637217849493}],"sentiment":"neutral","sentiment_score":0.00906637217849493,"channel":0,"num_words":3,"start":1758.17,"end":1759.29},{"sentences":[{"text":"like,","start":1758.95,"end":1759.45,"sentiment":"neutral","sentiment_score":0.009882915765047072}],"sentiment":"neutral","sentiment_score":0.009882915765047072,"channel":1,"num_words":1,"start":1758.95,"end":1759.45},{"sentences":[{"text":"Yep.","start":1759.29,"end":1759.79,"sentiment":"neutral","sentiment_score":0.01306687854230404}],"sentiment":"neutral","sentiment_score":0.01306687854230404,"channel":0,"num_words":1,"start":1759.29,"end":1759.79},{"sentences":[{"text":"h I a","start":1759.99,"end":1761.13,"sentiment":"neutral","sentiment_score":0.01799184021850427}],"sentiment":"neutral","sentiment_score":0.01799184021850427,"channel":1,"num_words":3,"start":1759.99,"end":1761.13},{"sentences":[{"text":"Yep.","start":1762.81,"end":1763.31,"sentiment":"neutral","sentiment_score":0.02438298985362053}],"sentiment":"neutral","sentiment_score":0.02438298985362053,"channel":0,"num_words":1,"start":1762.81,"end":1763.31},{"sentences":[{"text":"at gmail dot com.","start":1763.19,"end":1764.73,"sentiment":"neutral","sentiment_score":0.0357029908336699}],"sentiment":"neutral","sentiment_score":0.0357029908336699,"channel":1,"num_words":4,"start":1763.19,"end":1764.73},{"sentences":[{"text":"Amazing.","start":1767.655,"end":1767.975,"sentiment":"positive","sentiment_score":0.7213544845581055},{"text":"I'll send you an email.","start":1767.975,"end":1768.855,"sentiment":"positive","sentiment_score":0.4473050653934479},{"text":"I'll cc you in on the email that I sent to to Casper, but I'll I'll send you a separate email so you can reach out when you have a moment free.","start":1768.855,"end":1776.475,"sentiment":"neutral","sentiment_score":0.3018731973133981}],"sentiment":"neutral","sentiment_score":0.3320479506724759,"channel":0,"num_words":38,"start":1767.655,"end":1776.475},{"sentences":[{"text":"Thank you.","start":1776.805,"end":1777.4451,"sentiment":"positive","sentiment_score":0.5663066804409027},{"text":"And being just going for your document, Where is the date for the contributions to come out?","start":1777.4451,"end":1783.33,"sentiment":"neutral","sentiment_score":0.07599261753699359},{"text":"Is that on the next page?","start":1783.87,"end":1785.33,"sentiment":"neutral","sentiment_score":0.05809771145383517}],"sentiment":"neutral","sentiment_score":0.11092296510934829,"channel":1,"num_words":25,"start":1776.805,"end":1785.33},{"sentences":[{"text":"That is in your like, when you're ready to set this up.","start":1786.39,"end":1790.5701,"sentiment":"neutral","sentiment_score":0.08535917351643245},{"text":"So if","start":1790.87,"end":1791.1901,"sentiment":"neutral","sentiment_score":0.04391724616289139}],"sentiment":"neutral","sentiment_score":0.0794388981802123,"channel":0,"num_words":14,"start":1786.39,"end":1791.1901},{"sentences":[{"text":"Yes.","start":1791.15,"end":1791.65,"sentiment":"neutral","sentiment_score":0.061336033046245575}],"sentiment":"neutral","sentiment_score":0.061336033046245575,"channel":1,"num_words":1,"start":1791.15,"end":1791.65},{"sentences":[{"text":"you authorize this, basically, it's a matter of you tell me the day you want the contributions to come out, and there are two","start":1791.1901,"end":1800.1649,"sentiment":"neutral","sentiment_score":0.0729500399902463}],"sentiment":"neutral","sentiment_score":0.0729500399902463,"channel":0,"num_words":24,"start":1791.1901,"end":1800.1649},{"sentences":[{"text":"Okay.","start":1799.965,"end":1800.465,"sentiment":"neutral","sentiment_score":0.10063055902719498}],"sentiment":"neutral","sentiment_score":0.10063055902719498,"channel":1,"num_words":1,"start":1799.965,"end":1800.465},{"sentences":[{"text":"ways that we can set this up.","start":1800.1649,"end":1801.705,"sentiment":"neutral","sentiment_score":0.13247978261538915},{"text":"One is that I set up a regular saving strategy where the money","start":1801.845,"end":1805.92,"sentiment":"neutral","sentiment_score":0.1519316010750257}],"sentiment":"neutral","sentiment_score":0.1451234646141529,"channel":0,"num_words":20,"start":1800.1649,"end":1805.92},{"sentences":[{"text":"Yes.","start":1805.725,"end":1806.06,"sentiment":"neutral","sentiment_score":0.2274187207221985}],"sentiment":"neutral","sentiment_score":0.2274187207221985,"channel":1,"num_words":1,"start":1805.725,"end":1806.06},{"sentences":[{"text":"will just be deducted from your account to save you the headache of having to think about it, or the other is you control it and you have the money you send the money to the fund.","start":1805.92,"end":1816.1001,"sentiment":"neutral","sentiment_score":0.17909126104535283},{"text":"The first option.","start":1818.24,"end":1819.12,"sentiment":"neutral","sentiment_score":0.11410938700040181},{"text":"Cool.","start":1819.12,"end":1819.4401,"sentiment":"neutral","sentiment_score":0.2925826609134674},{"text":"And then you just need to tell me the date that you want it to happen, whether you want it to be on a Monday or a Friday or a blah blah blah.","start":1819.4401,"end":1825.3251,"sentiment":"neutral","sentiment_score":0.11122424900531769}],"sentiment":"neutral","sentiment_score":0.14772550942930016,"channel":0,"num_words":74,"start":1805.92,"end":1825.3251},{"sentences":[{"text":"Yeah.","start":1825.865,"end":1826.105,"sentiment":"neutral","sentiment_score":0.05984766036272049},{"text":"I'll be pay.","start":1826.105,"end":1826.9249,"sentiment":"neutral","sentiment_score":0.050596492985884346},{"text":"Sorry.","start":1827.625,"end":1828.025,"sentiment":"neutral","sentiment_score":-0.026281002908945084},{"text":"One last thing.","start":1828.025,"end":1828.745,"sentiment":"neutral","sentiment_score":-0.036724161356687546},{"text":"We're also not claiming the tax free threshold.","start":1828.745,"end":1832.72,"sentiment":"neutral","sentiment_score":-0.16280758380889893}],"sentiment":"neutral","sentiment_score":-0.0767048136331141,"channel":1,"num_words":16,"start":1825.865,"end":1832.72},{"sentences":[{"text":"That's not an issue with what he's about to sign up for.","start":1832.86,"end":1836.4,"sentiment":"neutral","sentiment_score":-0.08655751806994279}],"sentiment":"neutral","sentiment_score":-0.08655751806994279,"channel":1,"num_words":12,"start":1832.86,"end":1836.4},{"sentences":[{"text":"Why are you not claiming the tax free threshold?","start":1838.2001,"end":1840.4601,"sentiment":"neutral","sentiment_score":-0.24510238236851162}],"sentiment":"neutral","sentiment_score":-0.24510238236851162,"channel":0,"num_words":9,"start":1838.2001,"end":1840.4601},{"sentences":[{"text":"Because we thought that and we have a little pot at the end of the financial year.","start":1841.18,"end":1847.735,"sentiment":"neutral","sentiment_score":-0.16580362179700067}],"sentiment":"neutral","sentiment_score":-0.16580362179700067,"channel":1,"num_words":17,"start":1841.18,"end":1847.735},{"sentences":[{"text":"Yeah.","start":1848.0651,"end":1848.385,"sentiment":"neutral","sentiment_score":-0.10342150181531906}],"sentiment":"neutral","sentiment_score":-0.10342150181531906,"channel":0,"num_words":1,"start":1848.0651,"end":1848.385},{"sentences":[{"text":"I don't","start":1848.2749,"end":1848.595,"sentiment":"neutral","sentiment_score":-0.15154153108596802}],"sentiment":"neutral","sentiment_score":-0.15154153108596802,"channel":1,"num_words":2,"start":1848.2749,"end":1848.595},{"sentences":[{"text":"No.","start":1848.385,"end":1848.785,"sentiment":"neutral","sentiment_score":-0.16323965787887573}],"sentiment":"neutral","sentiment_score":-0.16323965787887573,"channel":0,"num_words":1,"start":1848.385,"end":1848.785},{"sentences":[{"text":"know.","start":1848.595,"end":1849.095,"sentiment":"neutral","sentiment_score":-0.1622881293296814}],"sentiment":"neutral","sentiment_score":-0.1622881293296814,"channel":1,"num_words":1,"start":1848.595,"end":1849.095},{"sentences":[{"text":"No.","start":1848.785,"end":1849.185,"sentiment":"neutral","sentiment_score":-0.1816757470369339},{"text":"No.","start":1849.185,"end":1849.5851,"sentiment":"neutral","sentiment_score":-0.15615728497505188},{"text":"Absolutely.","start":1849.5851,"end":1849.985,"sentiment":"neutral","sentiment_score":-0.05722974985837936},{"text":"Yeah.","start":1849.985,"end":1850.2251,"sentiment":"neutral","sentiment_score":-0.02519458159804344}],"sentiment":"neutral","sentiment_score":-0.10506434086710215,"channel":0,"num_words":4,"start":1848.785,"end":1850.2251},{"sentences":[{"text":"Yeah.","start":1850.0349,"end":1850.5349,"sentiment":"neutral","sentiment_score":-0.00952221266925335}],"sentiment":"neutral","sentiment_score":-0.00952221266925335,"channel":1,"num_words":1,"start":1850.0349,"end":1850.5349},{"sentences":[{"text":"No.","start":1850.2251,"end":1850.7051,"sentiment":"neutral","sentiment_score":-0.03574982285499573},{"text":"It's absolutely fine.","start":1850.7051,"end":1851.665,"sentiment":"neutral","sentiment_score":0.079131285349528},{"text":"All it means is that your employer pay like, they exclude the tax free threshold when they're paying you each fortnight.","start":1851.665,"end":1857.605,"sentiment":"neutral","sentiment_score":-0.061678518496808554},{"text":"And, again, you're just gonna end up with even more at the end of the financial year.","start":1857.9,"end":1861.5801,"sentiment":"neutral","sentiment_score":-0.08484286442399025},{"text":"It's not really an issue.","start":1861.5801,"end":1862.9601,"sentiment":"neutral","sentiment_score":-0.08733214735984803}],"sentiment":"neutral","sentiment_score":-0.06324668696269076,"channel":0,"num_words":47,"start":1850.2251,"end":1862.9601},{"sentences":[{"text":"Yeah.","start":1862.61,"end":1863.11,"sentiment":"neutral","sentiment_score":-0.00402030348777771},{"text":"Do you know are you able to calculate what that might look like or you're not really sure because it depends on what we make, obviously?","start":1863.97,"end":1870.47,"sentiment":"neutral","sentiment_score":-0.04536698586665667}],"sentiment":"neutral","sentiment_score":-0.043835627260031526,"channel":1,"num_words":27,"start":1862.61,"end":1870.47},{"sentences":[{"text":"I can","start":1871.3401,"end":1872.0801,"sentiment":"neutral","sentiment_score":-0.01518198475241661}],"sentiment":"neutral","sentiment_score":-0.01518198475241661,"channel":0,"num_words":2,"start":1871.3401,"end":1872.0801},{"sentences":[{"text":"Or rough","start":1871.745,"end":1872.305,"sentiment":"neutral","sentiment_score":-0.03311252500861883}],"sentiment":"neutral","sentiment_score":-0.03311252500861883,"channel":1,"num_words":2,"start":1871.745,"end":1872.305},{"sentences":[{"text":"calculate","start":1872.3,"end":1872.78,"sentiment":"neutral","sentiment_score":-0.0508652962744236}],"sentiment":"neutral","sentiment_score":-0.0508652962744236,"channel":0,"num_words":1,"start":1872.3,"end":1872.78},{"sentences":[{"text":"idea?","start":1872.305,"end":1872.805,"sentiment":"neutral","sentiment_score":-0.024572083726525307}],"sentiment":"neutral","sentiment_score":-0.024572083726525307,"channel":1,"num_words":1,"start":1872.305,"end":1872.805},{"sentences":[{"text":"it.","start":1872.78,"end":1873.215,"sentiment":"neutral","sentiment_score":-0.010166432708501816},{"text":"Yeah.","start":1873.215,"end":1873.375,"sentiment":"neutral","sentiment_score":0.038380540907382965},{"text":"I can give you a rough idea.","start":1873.375,"end":1875.075,"sentiment":"neutral","sentiment_score":0.027395886236003468}],"sentiment":"neutral","sentiment_score":0.02444281242787838,"channel":0,"num_words":9,"start":1872.78,"end":1875.075},{"sentences":[{"text":"Okay.","start":1875.745,"end":1876.225,"sentiment":"neutral","sentiment_score":0.01424661185592413},{"text":"Because then we add that to the 4.5 that that we will get from him making those extra contributions.","start":1876.225,"end":1884.725,"sentiment":"neutral","sentiment_score":0.20496557025532974}],"sentiment":"neutral","sentiment_score":0.19542962233535946,"channel":1,"num_words":20,"start":1875.745,"end":1884.725},{"sentences":[{"text":"Correct.","start":1885.855,"end":1886.19,"sentiment":"neutral","sentiment_score":0.13146913051605225}],"sentiment":"neutral","sentiment_score":0.13146913051605225,"channel":0,"num_words":1,"start":1885.855,"end":1886.19},{"sentences":[{"text":"Yeah.","start":1886.95,"end":1887.45,"sentiment":"neutral","sentiment_score":0.05507456883788109},{"text":"Okay.","start":1888.07,"end":1888.57,"sentiment":"neutral","sentiment_score":0.022177549079060555},{"text":"I have one more question.","start":1888.71,"end":1889.75,"sentiment":"neutral","sentiment_score":-0.0243986826390028}],"sentiment":"neutral","sentiment_score":-0.006391613611153194,"channel":1,"num_words":7,"start":1886.95,"end":1889.75},{"sentences":[{"text":"That's","start":1889.71,"end":1890.21,"sentiment":"neutral","sentiment_score":-0.07144411653280258}],"sentiment":"neutral","sentiment_score":-0.07144411653280258,"channel":0,"num_words":1,"start":1889.71,"end":1890.21},{"sentences":[{"text":"I was struggling","start":1889.75,"end":1890.65,"sentiment":"neutral","sentiment_score":-0.13272501279910406}],"sentiment":"neutral","sentiment_score":-0.13272501279910406,"channel":1,"num_words":3,"start":1889.75,"end":1890.65},{"sentences":[{"text":"oh,","start":1890.75,"end":1891.07,"sentiment":"neutral","sentiment_score":-0.132586270570755}],"sentiment":"neutral","sentiment_score":-0.132586270570755,"channel":0,"num_words":1,"start":1890.75,"end":1891.07},{"sentences":[{"text":"I'm","start":1890.95,"end":1891.19,"sentiment":"neutral","sentiment_score":-0.12897174060344696}],"sentiment":"neutral","sentiment_score":-0.12897174060344696,"channel":1,"num_words":1,"start":1890.95,"end":1891.19},{"sentences":[{"text":"no.","start":1891.07,"end":1891.3899,"sentiment":"neutral","sentiment_score":-0.10173039138317108}],"sentiment":"neutral","sentiment_score":-0.10173039138317108,"channel":0,"num_words":1,"start":1891.07,"end":1891.3899},{"sentences":[{"text":"struggling","start":1891.19,"end":1891.67,"sentiment":"neutral","sentiment_score":-0.11935547739267348}],"sentiment":"neutral","sentiment_score":-0.11935547739267348,"channel":1,"num_words":1,"start":1891.19,"end":1891.67},{"sentences":[{"text":"You're okay.","start":1891.3899,"end":1892.1299,"sentiment":"neutral","sentiment_score":-0.011694991029798985}],"sentiment":"neutral","sentiment_score":-0.011694991029798985,"channel":0,"num_words":2,"start":1891.3899,"end":1892.1299},{"sentences":[{"text":"to sign.","start":1891.67,"end":1892.41,"sentiment":"neutral","sentiment_score":-0.01615937426686287},{"text":"I'm on this document and I signed, and then it says multi multi something.","start":1892.79,"end":1898.25,"sentiment":"neutral","sentiment_score":-0.0034868241054937243}],"sentiment":"neutral","sentiment_score":-0.0050708928756648675,"channel":1,"num_words":16,"start":1891.67,"end":1898.25},{"sentences":[{"text":"So that yep.","start":1898.75,"end":1899.7899,"sentiment":"neutral","sentiment_score":-0.004565815596530835},{"text":"So that that little box there above the signature is if you wanted to go ahead with the three, the four, or the five, you would just write in that I wanna proceed with 500,000 per oh, sorry.","start":1899.7899,"end":1911.9249,"sentiment":"neutral","sentiment_score":0.03823700669760767},{"text":"$5,500 per fortnight.","start":1911.9249,"end":1913.785,"sentiment":"neutral","sentiment_score":0.09473788489898045},{"text":"So that way, my team knows when they're setting up that savings strategy that they that's what you you've agreed to go ahead with.","start":1914.0,"end":1920.8,"sentiment":"neutral","sentiment_score":0.23053491798539957},{"text":"So if you wanna alter the advice.","start":1920.8,"end":1922.34,"sentiment":"neutral","sentiment_score":0.08180345994021211}],"sentiment":"neutral","sentiment_score":0.10438646284863352,"channel":0,"num_words":75,"start":1898.75,"end":1922.34},{"sentences":[{"text":"If you wanna go ahead with 400, you just say just put a dot net.","start":1922.56,"end":1926.0,"sentiment":"neutral","sentiment_score":0.08003835529088973},{"text":"You don't have to do anything else.","start":1926.0,"end":1927.46,"sentiment":"neutral","sentiment_score":0.026743060243981227}],"sentiment":"neutral","sentiment_score":0.06308076141232793,"channel":0,"num_words":22,"start":1922.56,"end":1927.46},{"sentences":[{"text":"Alright.","start":1929.4149,"end":1929.9149,"sentiment":"neutral","sentiment_score":0.2016834318637848},{"text":"I think we shall try and let you go now.","start":1929.975,"end":1932.475,"sentiment":"neutral","sentiment_score":0.23170194923877716},{"text":"Yes,","start":1932.7749,"end":1933.015,"sentiment":"neutral","sentiment_score":0.10230188071727753}],"sentiment":"neutral","sentiment_score":0.21841706708073616,"channel":1,"num_words":12,"start":1929.4149,"end":1933.015},{"sentences":[{"text":"No.","start":1932.845,"end":1933.1649,"sentiment":"neutral","sentiment_score":0.11293578147888184}],"sentiment":"neutral","sentiment_score":0.11293578147888184,"channel":0,"num_words":1,"start":1932.845,"end":1933.1649},{"sentences":[{"text":"sir.","start":1933.015,"end":1933.515,"sentiment":"neutral","sentiment_score":0.1648043841123581}],"sentiment":"neutral","sentiment_score":0.1648043841123581,"channel":1,"num_words":1,"start":1933.015,"end":1933.515},{"sentences":[{"text":"You're so fine.","start":1933.1649,"end":1934.1449,"sentiment":"positive","sentiment_score":0.37213896711667377}],"sentiment":"positive","sentiment_score":0.37213896711667377,"channel":0,"num_words":3,"start":1933.1649,"end":1934.1449},{"sentences":[{"text":"Thanks","start":1934.695,"end":1935.195,"sentiment":"positive","sentiment_score":0.5665950775146484}],"sentiment":"positive","sentiment_score":0.5665950775146484,"channel":1,"num_words":1,"start":1934.695,"end":1935.195},{"sentences":[{"text":"Oh,","start":1934.845,"end":1935.345,"sentiment":"positive","sentiment_score":0.6196749210357666}],"sentiment":"positive","sentiment_score":0.6196749210357666,"channel":0,"num_words":1,"start":1934.845,"end":1935.345},{"sentences":[{"text":"for your help.","start":1935.255,"end":1936.075,"sentiment":"positive","sentiment_score":0.626115620136261}],"sentiment":"positive","sentiment_score":0.626115620136261,"channel":1,"num_words":3,"start":1935.255,"end":1936.075},{"sentences":[{"text":"that's okay.","start":1936.205,"end":1936.6849,"sentiment":"positive","sentiment_score":0.43663814663887024},{"text":"I'll get all those emails sent out to you.","start":1936.6849,"end":1938.0449,"sentiment":"positive","sentiment_score":0.33707654145028854},{"text":"And if there's any questions, you can shoot an email","start":1938.0449,"end":1940.46,"sentiment":"neutral","sentiment_score":0.15351844429969788}],"sentiment":"neutral","sentiment_score":0.2591499813965389,"channel":0,"num_words":21,"start":1936.205,"end":1940.46},{"sentences":[{"text":"Yeah.","start":1940.63,"end":1941.11,"sentiment":"neutral","sentiment_score":0.1375284492969513},{"text":"I I just signed it, so you'll send me through a form to for the bank stuff to come out.","start":1941.11,"end":1947.6699,"sentiment":"neutral","sentiment_score":0.16222015991806985},{"text":"Correct?","start":1947.6699,"end":1948.1699,"sentiment":"neutral","sentiment_score":0.1074969470500946}],"sentiment":"neutral","sentiment_score":0.15861039066856558,"channel":1,"num_words":22,"start":1940.63,"end":1948.1699},{"sentences":[{"text":"back.","start":1948.22,"end":1948.46,"sentiment":"neutral","sentiment_score":0.08168864250183105},{"text":"Yes.","start":1948.46,"end":1948.7799,"sentiment":"neutral","sentiment_score":0.14400643110275269},{"text":"I will.","start":1948.7799,"end":1949.34,"sentiment":"neutral","sentiment_score":0.1919042393565178},{"text":"My team will do that this week.","start":1949.34,"end":1950.62,"sentiment":"neutral","sentiment_score":0.2739848515817097},{"text":"They'll get forms out to you to set up the automatic savings","start":1950.62,"end":1954.065,"sentiment":"neutral","sentiment_score":0.2451792632540067}],"sentiment":"neutral","sentiment_score":0.23780646401902902,"channel":0,"num_words":23,"start":1948.22,"end":1954.065},{"sentences":[{"text":"Okay.","start":1954.405,"end":1954.905,"sentiment":"neutral","sentiment_score":0.10818074643611908},{"text":"Okay.","start":1954.965,"end":1955.465,"sentiment":"neutral","sentiment_score":0.04912390187382698},{"text":"Can it be on a computer?","start":1955.605,"end":1957.625,"sentiment":"neutral","sentiment_score":0.02877795385817687},{"text":"Because I'm back at camp, so I don't have access to a printer and stuff like","start":1957.6849,"end":1961.525,"sentiment":"neutral","sentiment_score":-0.037749476614408195}],"sentiment":"neutral","sentiment_score":-0.011417468932146827,"channel":1,"num_words":24,"start":1954.405,"end":1961.525},{"sentences":[{"text":"strategy.","start":1961.5049,"end":1962.0049,"sentiment":"neutral","sentiment_score":0.013107415288686752}],"sentiment":"neutral","sentiment_score":0.013107415288686752,"channel":0,"num_words":1,"start":1961.5049,"end":1962.0049},{"sentences":[{"text":"that.","start":1961.525,"end":1961.73,"sentiment":"neutral","sentiment_score":0.07919997721910477}],"sentiment":"neutral","sentiment_score":0.07919997721910477,"channel":1,"num_words":1,"start":1961.525,"end":1961.73},{"sentences":[{"text":"It definitely can be on a computer.","start":1962.065,"end":1963.9249,"sentiment":"neutral","sentiment_score":0.11441732197999954},{"text":"And can you confirm, while you and I are on the phone, what day is it that you would want the savings plan to come","start":1964.465,"end":1970.04,"sentiment":"neutral","sentiment_score":0.06849759683012963}],"sentiment":"neutral","sentiment_score":0.07854253670666367,"channel":0,"num_words":32,"start":1962.065,"end":1970.04},{"sentences":[{"text":"It'll be a Thursday.","start":1970.61,"end":1972.23,"sentiment":"neutral","sentiment_score":0.032807511277496815},{"text":"So it'll be next Thursday for this Saturday day?","start":1972.53,"end":1975.8049,"sentiment":"neutral","sentiment_score":0.03502214430934853}],"sentiment":"neutral","sentiment_score":0.034340718761086464,"channel":1,"num_words":13,"start":1970.61,"end":1975.8049},{"sentences":[{"text":"out?","start":1976.4401,"end":1976.6001,"sentiment":"neutral","sentiment_score":0.010454117320477962},{"text":"So","start":1976.6001,"end":1976.92,"sentiment":"neutral","sentiment_score":0.01155751757323742}],"sentiment":"neutral","sentiment_score":0.01100581744685769,"channel":0,"num_words":2,"start":1976.4401,"end":1976.92},{"sentences":[{"text":"Yeah.","start":1976.745,"end":1977.065,"sentiment":"neutral","sentiment_score":0.014351464807987211}],"sentiment":"neutral","sentiment_score":0.014351464807987211,"channel":1,"num_words":1,"start":1976.745,"end":1977.065},{"sentences":[{"text":"that","start":1976.92,"end":1977.16,"sentiment":"neutral","sentiment_score":0.0070893410593271255}],"sentiment":"neutral","sentiment_score":0.0070893410593271255,"channel":0,"num_words":1,"start":1976.92,"end":1977.16},{"sentences":[{"text":"Not","start":1977.065,"end":1977.3049,"sentiment":"neutral","sentiment_score":-0.01963704451918602}],"sentiment":"neutral","sentiment_score":-0.01963704451918602,"channel":1,"num_words":1,"start":1977.065,"end":1977.3049},{"sentences":[{"text":"would","start":1977.16,"end":1977.66,"sentiment":"neutral","sentiment_score":-0.0188651941716671}],"sentiment":"neutral","sentiment_score":-0.0188651941716671,"channel":0,"num_words":1,"start":1977.16,"end":1977.66},{"sentences":[{"text":"the Thursday, the following.","start":1977.3049,"end":1978.845,"sentiment":"neutral","sentiment_score":-0.017631469760090113},{"text":"Yeah.","start":1979.065,"end":1979.385,"sentiment":"neutral","sentiment_score":0.03120702318847179},{"text":"Following.","start":1979.385,"end":1979.785,"sentiment":"neutral","sentiment_score":0.02427816018462181}],"sentiment":"neutral","sentiment_score":-0.002506782611211141,"channel":1,"num_words":6,"start":1977.3049,"end":1979.785},{"sentences":[{"text":"be Thursday","start":1979.4,"end":1980.04,"sentiment":"neutral","sentiment_score":0.028075297363102436}],"sentiment":"neutral","sentiment_score":0.028075297363102436,"channel":0,"num_words":2,"start":1979.4,"end":1980.04},{"sentences":[{"text":"So Thursday,","start":1979.785,"end":1980.505,"sentiment":"neutral","sentiment_score":0.03102365043014288}],"sentiment":"neutral","sentiment_score":0.03102365043014288,"channel":1,"num_words":2,"start":1979.785,"end":1980.505},{"sentences":[{"text":"the eighth.","start":1980.04,"end":1980.62,"sentiment":"neutral","sentiment_score":0.040828002616763115}],"sentiment":"neutral","sentiment_score":0.040828002616763115,"channel":0,"num_words":2,"start":1980.04,"end":1980.62},{"sentences":[{"text":"the The eighth.","start":1980.505,"end":1981.945,"sentiment":"neutral","sentiment_score":0.035447689394156136},{"text":"Yep.","start":1981.945,"end":1982.345,"sentiment":"neutral","sentiment_score":0.0939790904521942},{"text":"That's correct.","start":1982.345,"end":1983.165,"sentiment":"neutral","sentiment_score":0.14108873903751373}],"sentiment":"neutral","sentiment_score":0.08041660611828168,"channel":1,"num_words":6,"start":1980.505,"end":1983.165},{"sentences":[{"text":"And","start":1984.4401,"end":1984.68,"sentiment":"neutral","sentiment_score":0.08531153202056885}],"sentiment":"neutral","sentiment_score":0.08531153202056885,"channel":0,"num_words":1,"start":1984.4401,"end":1984.68},{"sentences":[{"text":"And","start":1984.505,"end":1984.745,"sentiment":"neutral","sentiment_score":0.07337334007024765}],"sentiment":"neutral","sentiment_score":0.07337334007024765,"channel":1,"num_words":1,"start":1984.505,"end":1984.745},{"sentences":[{"text":"that","start":1984.68,"end":1984.92,"sentiment":"neutral","sentiment_score":0.06608849763870239}],"sentiment":"neutral","sentiment_score":0.06608849763870239,"channel":0,"num_words":1,"start":1984.68,"end":1984.92},{"sentences":[{"text":"every","start":1984.745,"end":1985.065,"sentiment":"neutral","sentiment_score":0.07045456022024155}],"sentiment":"neutral","sentiment_score":0.07045456022024155,"channel":1,"num_words":1,"start":1984.745,"end":1985.065},{"sentences":[{"text":"is","start":1984.92,"end":1985.0801,"sentiment":"neutral","sentiment_score":0.06693046540021896}],"sentiment":"neutral","sentiment_score":0.06693046540021896,"channel":0,"num_words":1,"start":1984.92,"end":1985.0801},{"sentences":[{"text":"fortnight","start":1985.065,"end":1985.565,"sentiment":"neutral","sentiment_score":0.06412824988365173}],"sentiment":"neutral","sentiment_score":0.06412824988365173,"channel":1,"num_words":1,"start":1985.065,"end":1985.565},{"sentences":[{"text":"the","start":1985.0801,"end":1985.325,"sentiment":"neutral","sentiment_score":0.055349357426166534}],"sentiment":"neutral","sentiment_score":0.055349357426166534,"channel":0,"num_words":1,"start":1985.0801,"end":1985.325},{"sentences":[{"text":"from then?","start":1985.785,"end":1986.585,"sentiment":"neutral","sentiment_score":0.06620431318879128}],"sentiment":"neutral","sentiment_score":0.06620431318879128,"channel":1,"num_words":2,"start":1985.785,"end":1986.585},{"sentences":[{"text":"Yes.","start":1986.2849,"end":1986.7849,"sentiment":"neutral","sentiment_score":0.07479662448167801}],"sentiment":"neutral","sentiment_score":0.07479662448167801,"channel":0,"num_words":1,"start":1986.2849,"end":1986.7849},{"sentences":[{"text":"Yeah.","start":1986.585,"end":1986.78,"sentiment":"neutral","sentiment_score":0.03562856838107109}],"sentiment":"neutral","sentiment_score":0.03562856838107109,"channel":1,"num_words":1,"start":1986.585,"end":1986.78},{"sentences":[{"text":"That's the start date.","start":1987.565,"end":1988.605,"sentiment":"neutral","sentiment_score":0.07301975600421429},{"text":"A n.","start":1988.605,"end":1989.245,"sentiment":"neutral","sentiment_score":0.03932430036365986},{"text":"Perfect.","start":1989.245,"end":1989.745,"sentiment":"positive","sentiment_score":0.6207876205444336}],"sentiment":"neutral","sentiment_score":0.14164503504123008,"channel":0,"num_words":7,"start":1987.565,"end":1989.745},{"sentences":[{"text":"Cool.","start":1991.42,"end":1991.66,"sentiment":"positive","sentiment_score":0.5876096487045288},{"text":"So","start":1991.66,"end":1991.8201,"sentiment":"neutral","sentiment_score":0.27032241225242615}],"sentiment":"positive","sentiment_score":0.4289660304784775,"channel":1,"num_words":2,"start":1991.42,"end":1991.8201},{"sentences":[{"text":"Done.","start":1991.8049,"end":1992.3049,"sentiment":"neutral","sentiment_score":0.30046576261520386}],"sentiment":"neutral","sentiment_score":0.30046576261520386,"channel":0,"num_words":1,"start":1991.8049,"end":1992.3049},{"sentences":[{"text":"you'll be able to send through our levy figures and","start":1991.8201,"end":1998.0801,"sentiment":"neutral","sentiment_score":0.2186386652290821}],"sentiment":"neutral","sentiment_score":0.2186386652290821,"channel":1,"num_words":10,"start":1991.8201,"end":1998.0801},{"sentences":[{"text":"Mhmm.","start":1997.6449,"end":1998.06,"sentiment":"neutral","sentiment_score":0.07548140734434128}],"sentiment":"neutral","sentiment_score":0.07548140734434128,"channel":0,"num_words":1,"start":1997.6449,"end":1998.06},{"sentences":[{"text":"our potential","start":1999.3401,"end":2000.0801,"sentiment":"neutral","sentiment_score":0.17175155133008957}],"sentiment":"neutral","sentiment_score":0.17175155133008957,"channel":1,"num_words":2,"start":1999.3401,"end":2000.0801},{"sentences":[{"text":"Tax savings","start":2001.02,"end":2001.92,"sentiment":"neutral","sentiment_score":0.1497287154197693}],"sentiment":"neutral","sentiment_score":0.1497287154197693,"channel":0,"num_words":2,"start":2001.02,"end":2001.92},{"sentences":[{"text":"return,","start":2001.7949,"end":2002.2949,"sentiment":"neutral","sentiment_score":0.13964179158210754}],"sentiment":"neutral","sentiment_score":0.13964179158210754,"channel":1,"num_words":1,"start":2001.7949,"end":2002.2949},{"sentences":[{"text":"side.","start":2001.9801,"end":2002.4801,"sentiment":"neutral","sentiment_score":0.14312614500522614},{"text":"Yep.","start":2002.8601,"end":2003.3601,"sentiment":"neutral","sentiment_score":0.1502506136894226}],"sentiment":"neutral","sentiment_score":0.14668837934732437,"channel":0,"num_words":2,"start":2001.9801,"end":2003.3601},{"sentences":[{"text":"yeah, with tax free threshold and all of that.","start":2002.995,"end":2006.2949,"sentiment":"neutral","sentiment_score":0.20349636673927307},{"text":"Yeah.","start":2006.515,"end":2007.015,"sentiment":"neutral","sentiment_score":0.2560427188873291}],"sentiment":"neutral","sentiment_score":0.20875100195407867,"channel":1,"num_words":10,"start":2002.995,"end":2007.015},{"sentences":[{"text":"Definitely can.","start":2006.7001,"end":2007.68,"sentiment":"positive","sentiment_score":0.45859356224536896}],"sentiment":"positive","sentiment_score":0.45859356224536896,"channel":0,"num_words":2,"start":2006.7001,"end":2007.68},{"sentences":[{"text":"Thank you.","start":2007.955,"end":2008.515,"sentiment":"positive","sentiment_score":0.6629342138767242},{"text":"I need to have someone in between even calls from New Zealand, and we'll share it with you.","start":2008.515,"end":2012.0349,"sentiment":"neutral","sentiment_score":0.156014589799775},{"text":"That's fine.","start":2012.0349,"end":2012.775,"sentiment":"neutral","sentiment_score":0.2764059752225876},{"text":"Alright.","start":2013.235,"end":2013.475,"sentiment":"positive","sentiment_score":0.39907050132751465},{"text":"Thank you very much.","start":2013.475,"end":2014.355,"sentiment":"positive","sentiment_score":0.7745028734207153}],"sentiment":"neutral","sentiment_score":0.3031120366520352,"channel":1,"num_words":27,"start":2007.955,"end":2014.355},{"sentences":[{"text":"Thanks, Laura.","start":2014.355,"end":2015.1749,"sentiment":"positive","sentiment_score":0.7252783477306366}],"sentiment":"positive","sentiment_score":0.7252783477306366,"channel":1,"num_words":2,"start":2014.355,"end":2015.1749},{"sentences":[{"text":"That's okay, guys.","start":2015.231,"end":2016.271,"sentiment":"positive","sentiment_score":0.6573385794957479},{"text":"Have a great day.","start":2016.271,"end":2017.3309,"sentiment":"positive","sentiment_score":0.7617066651582718}],"sentiment":"positive","sentiment_score":0.7169774855886187,"channel":0,"num_words":7,"start":2015.231,"end":2017.3309},{"sentences":[{"text":"You too.","start":2017.6609,"end":2018.3009,"sentiment":"positive","sentiment_score":0.5354705452919006},{"text":"See you.","start":2018.3009,"end":2018.9609,"sentiment":"positive","sentiment_score":0.5154108703136444},{"text":"Bye.","start":2019.0209,"end":2019.5209,"sentiment":"neutral","sentiment_score":0.23083746433258057}],"sentiment":"positive","sentiment_score":0.4665200591087341,"channel":1,"num_words":5,"start":2017.6609,"end":2019.5209},{"sentences":[{"text":"Bye.","start":2019.471,"end":2019.971,"sentiment":"neutral","sentiment_score":-0.12047489732503892}],"sentiment":"neutral","sentiment_score":-0.12047489732503892,"channel":0,"num_words":1,"start":2019.471,"end":2019.971}]},"summary":{"result":"success","short":"The representative explains that contributions can be made after the financial year and that a contribution strategy is used to reduce taxable income. They recommend paying a pretax amount to bring the tax bracket down and offer a discount on the remaining funds. The deduction will be applied to the income of the company and the benefit of doing it this way is that the company gets a discount on the remaining funds. The speaker explains the benefits of health insurance and offers to provide more information and tax concessions. The agent provides information on setting up regular saving strategies and setting up a regular contribution to the customer's account. They also discuss the possibility of a tax levy and schedule a tax savings meeting."},"intents":{"segments":[{"text":"So what are your questions here? Good morning, Casper. It's Larissa. How are you going? Good. And yourself? Yeah. Really, really good. Thank you. How can I I got my wife here and she got some questions. Her name is Kiriana. So I got you on speaker phone. help? Hi, Koyana.","start_word":1,"end_word":51,"intents":[{"intent":"Help","confidence_score":0.006776354}]},{"text":"I just wanted to know if you can walk me through your advice about doing contributions. I just wanted to understand it a bit better. That's all.","start_word":58,"end_word":84,"intents":[{"intent":"Understand advice","confidence_score":0.7589783},{"intent":"Understand advice","confidence_score":0.009531455},{"intent":"Understand advice","confidence_score":0.15693836}]},{"text":"I haven't actually had time to read what you've sent through. But so is this different to doing extra contributions through we just basically wanna better don't wanna get smashed by tax, but also we'll have more money in in super at the same time, I would think. So is Yeah. this the Yeah. be is this the best Okay. way to go about that?","start_word":108,"end_word":172,"intents":[{"intent":"Set up check-up","confidence_score":0.00009944979}]},{"text":"Now what we do from there is that at the end of the financial year, after the voluntary contributions are placed, we submit a really easy form. And, actually, I do that on your behalf every year. So I basically submit them within the first week or two of the July period after the financial year's roll. And we submit that form, and what that does is that converts those contributions into claimable contributions.","start_word":279,"end_word":352,"intents":[{"intent":"Submit forms","confidence_score":0.112201154}]},{"text":"But it gives you an automatic deduction to your tax return, and it means that the tax return is going to claim any of that tax that you've paid during the year back, and you're gonna get a nice a bigger tax return at that point.","start_word":396,"end_word":441,"intents":[{"intent":"Determine deductions","confidence_score":0.00005633705}]},{"text":"Is it going to convert and it's gonna decrease your income, and your taxable income is going to decrease from about $52,000 down to 47,994, which means that there's about $4,056 that you will get back on your tax return by putting this money in. Okay.","start_word":488,"end_word":533,"intents":[{"intent":"Convert income","confidence_score":0.032507766}]},{"text":"The difference is is that throughout the year, you're able to compound on the higher amount being inside your super fund I see.","start_word":724,"end_word":746,"intents":[{"intent":"Compound tax payments","confidence_score":0.08417374}]},{"text":"I don't understand how it brings down our tax bracket if you're paying into your super after you've already been taxed.","start_word":790,"end_word":810,"intents":[{"intent":"Clarify tax bracket calculations and expenses","confidence_score":5.1986507e-7}]},{"text":"You'll It's just just get a payment a lot at yeah. the end of the year and a lump sum as opposed to getting the discount, like, a lot less rates every fortnight. Correct. Yeah.","start_word":1099,"end_word":1133,"intents":[{"intent":"Explain payment options","confidence_score":0.0011557523}]},{"text":"We get you get the compounding interest by having the larger amount in the super fund during the year. I see.","start_word":1172,"end_word":1192,"intents":[{"intent":"Understand compounding interest","confidence_score":0.016066056}]},{"text":"So the amount that I've pushed through won't affect what you're currently putting away, and it means when you get that lump sum paid to you, you'll able you're able to just put that straight into your savings account.","start_word":1234,"end_word":1272,"intents":[{"intent":"Put money in savings account","confidence_score":0.09590835}]},{"text":"Less money coming out of fortnight, but also more money in super. Is that not because we're gonna end up taking it out at the end of the year if we go your way. Is that correct? Or no. There's still that extra money there. We're just getting the interest the the taxable bit Yes.","start_word":1313,"end_word":1367,"intents":[{"intent":"Confirm deduction for extra money","confidence_score":0.001887324}]},{"text":"The contributions stay in the super funds. Yeah. They don't they don't come out. Yeah.","start_word":1406,"end_word":1420,"intents":[{"intent":"Explain deduction for extra contributions","confidence_score":0.008394538}]},{"text":"paid back is is the ATO, basically. Basically, what happens is you are submitting a $10,400 See. deduction to your income, essentially. So when I submit that form to the fund, you end up just getting a $10,400 deduction. So it's like you have $10,000 worth of claimables that you're able to claim on your income.","start_word":1453,"end_word":1508,"intents":[{"intent":"Explain deduction details","confidence_score":0.00012907297}]},{"text":"deduction to your income, essentially. So when I submit that form to the fund, you end up just getting a $10,400 deduction. So it's like you have $10,000 worth of claimables that you're able to claim on your income.","start_word":1469,"end_word":1507,"intents":[{"intent":"Clarify deduction requirements","confidence_score":0.05843469},{"intent":"Clarify deduction requirements","confidence_score":0.013297092}]},{"text":"So how much did you say he would get back of that 10,000, so to speak?","start_word":1572,"end_word":1587,"intents":[{"intent":"Confirm deduction amount","confidence_score":0.00060659234},{"intent":"Specify deduction amount","confidence_score":0.003542449}]},{"text":"Sorry. No.","start_word":1609,"end_word":1610,"intents":[{"intent":"Confirm understanding","confidence_score":0.00817437}]},{"text":"The other one is the appendix, which I just closed. But the other one is the appendix, and what the appendix has is it has a couple other other considerations for Casper to look at. One I know was you three got 100 it open. and one was 500. Yes.","start_word":1636,"end_word":1685,"intents":[{"intent":"Provide appendix","confidence_score":0.0005720252}]},{"text":"is correct that you've reached Mhmm. the concessional cap. However, Casper has enough room that he is actually able to look back and take from unused caps over the previous years.","start_word":1739,"end_word":1769,"intents":[{"intent":"Discuss consistency of cap","confidence_score":0.0021390838}]},{"text":"So it's not going to affect him tax wise.","start_word":1772,"end_word":1780,"intents":[{"intent":"Express agreement","confidence_score":0.00065167336}]},{"text":"It's not going to breach anything, and he's going to have he has the capacity to be able to do the 500.","start_word":1782,"end_word":1803,"intents":[{"intent":"Assess capacity","confidence_score":0.020296017}]},{"text":"I'm just Just gonna trying have to see a look. on your paperwork.","start_word":1891,"end_word":1903,"intents":[{"intent":"Monitor paperwork","confidence_score":0.0056010587}]},{"text":"Casper doesn't drop a tax bracket by doing any of these because he's on the higher side of his current tax bracket.","start_word":2004,"end_word":2025,"intents":[{"intent":"Determine tax bracket","confidence_score":0.003325607}]},{"text":"So unless we're gonna pop, you know, like, a a a good solid $50.60 grand into the fund, which is gonna eat into you guys and your cash flow, so it's not really gonna work. Yep.","start_word":2058,"end_word":2093,"intents":[{"intent":"Assess cash flow","confidence_score":0.057115976}]},{"text":"It's he's not gonna drop a tax bracket. What is there another tax bracket above that one?","start_word":2095,"end_word":2111,"intents":[{"intent":"Clarify tax bracket differences","confidence_score":0.001078486}]},{"text":"What are what are these cost here? Fee comparison.","start_word":2282,"end_word":2290,"intents":[{"intent":"Clarify cost and fee","confidence_score":0.0042178626}]},{"text":"We make sure that all the investment options in the fund are appropriate. We make sure that, you know, if there's a market drop or anything like that or any of the assets are no longer fit for purpose, that we adjust, pivot, change, get rid of them, that we're not sitting in anything Yep.","start_word":2409,"end_word":2463,"intents":[{"intent":"Clarify investment options and fee computation","confidence_score":0.0000033980255}]},{"text":"The way we charge our fees is based on, like, 1.65% of the balance.","start_word":2763,"end_word":2776,"intents":[{"intent":"Clarify fees and rates","confidence_score":0.00079589436}]},{"text":"So our initial consultation's complimentary. We we just go through, have a discussion about what your goals are, what you're wanting to achieve.","start_word":3366,"end_word":3388,"intents":[{"intent":"Complete consultation","confidence_score":0.006226092}]},{"text":"We we just go through, have a discussion about what your goals are, what you're wanting to achieve.","start_word":3371,"end_word":3388,"intents":[{"intent":"Discuss goals and goals","confidence_score":0.10525841}]},{"text":"we can definitely talk about sort of, I guess, what you get in tax concessions by having health insurance versus if you don't. And Yeah.","start_word":3700,"end_word":3724,"intents":[{"intent":"Discuss tax concessions","confidence_score":0.07579724},{"intent":"Discuss tax concessions","confidence_score":0.14039305}]},{"text":"it if Medicare is gonna help me out? You know what I mean?","start_word":3852,"end_word":3864,"intents":[{"intent":"Determine impact of medicare coverage on medical expenses","confidence_score":7.3414384e-8}]},{"text":"So you need to you need to calculate what your levy is worth and put it up against what you're paying annually for your health insurance and see which one's Better.","start_word":4090,"end_word":4120,"intents":[{"intent":"Calculate levy value","confidence_score":0.021180442}]},{"text":"Because what I can do is I can Yep. calculate both of your levies today, and I Yep.","start_word":4134,"end_word":4151,"intents":[{"intent":"Calculate levies","confidence_score":0.8392129}]},{"text":"Because what I can do is I can Yep. calculate both of your levies today, and I Yep. can send you an email and be like, this is your breakdown of your tax, blah Yeah.","start_word":4134,"end_word":4168,"intents":[{"intent":"Provide information","confidence_score":0.01265961}]},{"text":"can send you an email and be like, this is your breakdown of your tax, blah Yeah.","start_word":4151,"end_word":4167,"intents":[{"intent":"Send email","confidence_score":0.69418585}]},{"text":"What's your income?","start_word":4173,"end_word":4175,"intents":[{"intent":"Determine income","confidence_score":0.11121953}]},{"text":"What did So you work I'll yours out on WorkPac?","start_word":4185,"end_word":4194,"intents":[{"intent":"State work schedule","confidence_score":0.0013596468}]},{"text":"So the insurance company sent around and went, well, the older you get, the more likely you are to claim. And if you didn't have our cover before you turned 30 and you're doing this now because you are 30 and you realize that things are starting to happen health wise, you're gonna pay a higher premium. That's totally different to No. the the Medicare levy side. So Yeah.","start_word":4360,"end_word":4428,"intents":[{"intent":"Explain benefits for insurance coverage","confidence_score":0.000031306343}]},{"text":"we basically just get a basic cover with with hospital, that's the best way to go because that still covers that 2%. It'll be the cheapest way, but it just depends on whether you have other things that you wanna claim, which is where the extras come in. Oh.","start_word":4465,"end_word":4513,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.0033200542}]},{"text":"we basically just get a basic cover with with hospital, that's the best way to go because that still covers that 2%. It'll be the cheapest way, but it just depends on whether you have other things that you wanna claim, which is where the extras come in. Oh. So, Yeah.","start_word":4465,"end_word":4515,"intents":[{"intent":"Explain shift in shift schedule","confidence_score":0.000006648352}]},{"text":"So 78 what's your payment? 78.","start_word":4588,"end_word":4593,"intents":[{"intent":"Clarify payment","confidence_score":0.13685411}]},{"text":"Do you wanna make a appointment with us to discuss anything to see if you're interested? Yeah.","start_word":4812,"end_word":4828,"intents":[{"intent":"Make an appointment","confidence_score":0.23834684}]},{"text":"I'll send you an email. I'll cc you in on the email that I sent to to Casper, but I'll I'll send you a separate email so you can reach out when you have a moment free.","start_word":5130,"end_word":5166,"intents":[{"intent":"Send separate email","confidence_score":0.11651207}]},{"text":"ways that we can set this up. One is that I set up a regular saving strategy where the money Yes. will just be deducted from your account to save you the headache of having to think about it, or the other is you control it and you have the money you send the money to the fund. The first option.","start_word":5232,"end_word":5292,"intents":[{"intent":"Set up a saving strategy","confidence_score":0.016307099}]},{"text":"Do you know are you able to calculate what that might look like or you're not really sure because it depends on what we make, obviously?","start_word":5439,"end_word":5464,"intents":[{"intent":"Calculate a tax free threshold","confidence_score":0.09616975}]},{"text":"Because then we add that to the 4.5 that that we will get from him making those extra contributions. Correct.","start_word":5482,"end_word":5501,"intents":[{"intent":"Update savings plan","confidence_score":0.0023525401}]}]},"sentiments":{"segments":[{"text":"So what are your questions here?","start_word":0,"end_word":5,"sentiment":"neutral","sentiment_score":0.020309289917349815},{"text":"Good morning, Casper.","start_word":6,"end_word":8,"sentiment":"positive","sentiment_score":0.3732118606567383},{"text":"It's Larissa. How are you going?","start_word":9,"end_word":14,"sentiment":"neutral","sentiment_score":0.30764538049697876},{"text":"Good.","start_word":15,"end_word":15,"sentiment":"positive","sentiment_score":0.3869891464710235},{"text":"And yourself?","start_word":16,"end_word":17,"sentiment":"neutral","sentiment_score":0.2195444107055664},{"text":"Yeah. Really, really good. Thank you.","start_word":18,"end_word":23,"sentiment":"positive","sentiment_score":0.6820248961448669},{"text":"How can I I got my wife here and she got some questions. Her name is Kiriana. So I got you on speaker phone. help? Hi, Koyana. How are you going? Hi.","start_word":24,"end_word":55,"sentiment":"neutral","sentiment_score":0.11777808517217636},{"text":"Good. Thanks.","start_word":56,"end_word":57,"sentiment":"positive","sentiment_score":0.4728081226348877},{"text":"I just wanted to know if you can walk me through your advice about doing contributions. I just wanted to understand it a bit better. That's all. Alright.","start_word":58,"end_word":85,"sentiment":"neutral","sentiment_score":0.1554260402917862},{"text":"Absolutely. More than happy to.","start_word":86,"end_word":90,"sentiment":"positive","sentiment_score":0.6331045031547546},{"text":"Did you have any, like, specific questions, or did you want me to just kinda walk Yeah. I haven't actually had time to read what you've sent through. But so is this different to doing extra contributions through we just basically wanna better don't wanna get smashed by tax, but also we'll have more money in in super at the same time, I would think. So is Yeah. this the Yeah. be is this the best Okay. way to go about that? Or So what what I'd recommended after talking with Casper with respect to, I guess, cash flow availability and where things sat was that what we could do would would be to after Casper got his pay from his employer, so that is his net income. So after his tax was being paid from his gross income and his net income pay is paid in, we set up basically a contribution strategy into his hub twenty four fund for $400 a fortnight. And what that does is that puts that money into his super fund each fortnight. So dollar cost averaging across the year that $400. Now what we do from there is that at the end of the financial year, after the voluntary contributions are placed, we submit a really easy form. And, actually, I do that on your behalf every year. So I basically submit them within the first week or two of the July period after the financial year's roll. And we submit that form, and what that does is that converts those contributions into claimable contributions. It means that it's already it already gets sent through to the ATO, so there's nothing you really need to do.","start_word":91,"end_word":373,"sentiment":"neutral","sentiment_score":0.08548475801944733},{"text":"But you do get sent a receipt to basically say that you have verification and and confirmation that it has been done. But it gives you an automatic deduction to your tax return, and it means that the tax return is going to claim any of that tax that you've paid during the year back, and you're gonna get a nice a bigger tax return at that point.","start_word":374,"end_word":441,"sentiment":"positive","sentiment_score":0.533341646194458},{"text":"So if you have a look at the document when you have a chance to, on page nine of the statement of advice, basically, what it's going to do is it's going to reduce without considering any of the other claimables that you could possibly claim. Is it going to convert and it's gonna decrease your income, and your taxable income is going to decrease from about $52,000 down to 47,994, which means that there's about $4,056 that you will get back on your tax return by putting this money in. Okay. So did you say those contributions are coming out once we've already been taxed? Yep. So you get taxed at your at your marginal rate with your employer, and Yeah. then and then that money goes in and you claim that tax back when you do your tax return. So it works out the same as if you were to say salary sacrifice, but this is just a bit of a a saving strategy to give you that little bit more back during your tax return rather than each week through or each fortnight through your pay But but the other way the original way I was thinking is to pay a pretax amount to Super to cycle. bring Yep. to bring our tax bracket down. But at the end of the financial year, we don't get a return. It just stays there. Yeah. So So which it which which way is better? it it really honestly works out much muchness in terms of, like, the exact same amount of taxes paid if you salary sacrifice throughout the year versus if you were to versus if you did this strategy.","start_word":442,"end_word":723,"sentiment":"neutral","sentiment_score":0.19299350678920743},{"text":"The difference is is that throughout the year, you're able to compound on the higher amount being inside your super fund I see.","start_word":724,"end_word":746,"sentiment":"positive","sentiment_score":0.40917831659317017},{"text":"Mhmm. Rather than having less because your super fund doesn't pay tax while the money is in the fund in this strategy. It's once I submit that form, then the super fund pays any tax applicable rather than paying it throughout the year.","start_word":747,"end_word":789,"sentiment":"neutral","sentiment_score":0.03721209823392158},{"text":"I don't understand how it brings down our tax bracket if you're paying into your super after you've already been taxed.","start_word":790,"end_word":810,"sentiment":"negative","sentiment_score":-0.4588724672794342},{"text":"So what happens is right now, Casper's income is a $182,000. Yeah. So he is taxed based on a $182,000 marginally throughout the year. So Yep. if we don't if we do no salary sacrifice, what that means is that each fortnight, his gross income is this amount, and he pays tax based on that amount that's paid. So he Yeah. receives I get his that. his net income. Now Yep. if he were to salary sacrifice, what that means is they take money from the gross income and they push that over to the super fund. The super fund pays 15% tax on the contributions, and he is then taxed at his marginal rate on the remaining remaining funds, which based on the recommendation of $400 a fortnight, would mean that his income goes down to a $171,000 So it is it is it is sent to the super before texting if that's what you're saying. So that that is under the salary sacrifice, which is what you're which is what you're sort of explaining or you what what you're Yeah. asking about. On my side, what happens or what I've recommended is that Yeah. he continues to be taxed at a 182,000. Yeah. After he gets paid, he then puts $400 in out of his net income. So he's already paid the tax. Yep. The money goes into the super fund, and then he Mhmm. claims the tax back at the end of the financial year. So he'll get the he gets the tax back. It just comes to him as a lump sum rather than coming Yes. to him each fortnight. But the exact same outcome happens I see. in terms of tax paid. You'll It's just just get a payment a lot at yeah. the end of the year and a lump sum as opposed to getting the discount, like, a lot less rates every fortnight. Correct. Yeah. Okay. I get that. And it yeah. I think I'd prefer the other way because it's a bit of a hit. But what yeah.","start_word":811,"end_word":1156,"sentiment":"neutral","sentiment_score":0.00999603812539724},{"text":"What's the benefit of doing it the way you're saying? Because you're getting that compound? We get you get the compounding interest by having the larger amount in the super fund during the year.","start_word":1157,"end_word":1190,"sentiment":"positive","sentiment_score":0.4208381474018097},{"text":"I see.","start_word":1191,"end_word":1192,"sentiment":"neutral","sentiment_score":0.2700446546077728},{"text":"Yeah. And it means that in terms of, like, money given back to you because Casper indicated that you guys have quite a decent cash flow at the moment in terms of money that you're putting in way into savings. Yes. So the amount that I've pushed through won't affect what you're currently putting away, and it means when you get that lump sum paid to you, you'll able you're able to just put that straight into your savings account.","start_word":1193,"end_word":1272,"sentiment":"positive","sentiment_score":0.519748330116272},{"text":"Yes.","start_word":1273,"end_word":1273,"sentiment":"neutral","sentiment_score":0.32180923223495483},{"text":"If we do it your way, we get a lump sum at the end of the year.","start_word":1274,"end_word":1290,"sentiment":"positive","sentiment_score":0.34337350726127625},{"text":"If we do it the way I initially thought, it'll just be a less money coming out of fortnight. Yes. Yeah. Okay. Less money coming out of fortnight, but also more money in super. Is that not because we're gonna end up taking it out at the end of the year if we go your way. Is that correct? Or no. There's still that extra money there. We're just getting the interest the the taxable bit Yes. So the your the the ATO, back. when you submit your tax return, the ATO will pay you the tax back. Because Yeah. it basically But our but our extra contributions are still staying in super. yeah. Yeah. The contributions stay in the super funds. Yeah. They don't they don't come out. Yeah. What we're getting back is not part of the contribution. It's just the tech No. stuff side of it. Yeah. What you what you get what Oh, you I get see. paid back is is the ATO, basically. Basically, what happens is you are submitting a $10,400 See. deduction to your income, essentially. So when I submit that form to the fund, you end up just getting a $10,400 deduction. So it's like you have $10,000 worth of claimables that you're able to claim on your income. So when you submit your tax return, you know, how when you do your tax, you're trying to ask, you know, do you have any laundry to claim? Do you have any, you know, electricity or consumables or anything, travel that you've used? This is basically, like, an extra extra little item that you are submitting as a claimable. Yep. I get it. Yeah. So how much did you say he would get back of that 10,000, so to speak? 4,056. Four thousand fifty 6. 4,056. Okay. And is that the maximum amount we can put through a fortnight? He can. Sorry. No. So there's two there's two documents in like, oh, well, there's there's, I guess, two documents that I've sent through. One's a statement of advice. The other one is the appendix, which I just closed. But the other one is the appendix, and what the appendix has is it has a couple other other considerations for Casper to look at. One I know was you three got 100 it open. and one was 500. Yes. The 300 per fortnight didn't really work out that like, it it it was it was great. Don't be wrong, but it didn't work out as great. And the 500 a fortnight, there's a couple of considerations that you do like, that need to be made, and that Reached the consistent old cap. is correct that you've reached Mhmm. the concessional cap. However, Casper has enough room that he is actually able to look back and take from unused caps over the previous years. Oh, yep. So it's not going to affect him tax wise. It's not going to breach anything, and he's going to have he has the capacity to be able to do the 500. We just have to keep a close eye on it over, like, within the next five years, Yes. But it's not Yes. drastically bad. Like, it's not an issue. I It's see just what in you're doing five years' here. time, we're gonna have to make sure that we're definitely a little bit Still within more that. strict. Yeah. Yeah. Yeah. And how much does he get back if he does 500 a fortnight? What's the end result? Now you're So testing do me. we have that here? I'm just Just gonna trying have to see a look. on your paperwork. I can't really No. see. You're okay. I will just sorry. I stupidly closed the document. I went to go and swap Okay. documents and press press the x instead of the other one. So, essentially, 500. So 500, instead of paying 52 in tax, he'll pay $475.41, which means it'll be 4.5 $450.09 in terms of tax That's back. not much more than the 400 contribution. Was it around No. the same? That 400 It's dollars something. it's because it's in the it still keeps him in the same tax bracket. Oh, yeah. I see. Yeah. So You know? Casper doesn't drop a tax bracket by doing any of these because he's on the higher side of his current tax bracket. So the tax bracket that Casper's in is from 135 up to a 190. He's sitting sitting at a 182,000, so Yep.","start_word":1291,"end_word":2047,"sentiment":"neutral","sentiment_score":0.02381743944423517},{"text":"he's sitting really high in that in that tax bracket. So unless we're gonna pop, you know, like, a a a good solid $50.60 grand into the fund, which is gonna eat into you guys and your cash flow, so it's not really gonna work.","start_word":2048,"end_word":2092,"sentiment":"negative","sentiment_score":-0.5525662302970886},{"text":"Yep. It's he's not gonna drop a tax bracket. What is there another tax bracket above that one? That's the Yep. the Above, $19.02? yeah, above $1.90. So it basically goes from there's no tax from zero to to 18,200. There's no tax paid there. From 18,201 up to 45, 16%. From 45,000 up to a 135, it's 30. From $1.35 to $1.90, it's 37. And then from $1.90 up, it's that that $40.45. K. Because we're gonna be doing overtime. So we're gonna I'm pretty sure we're gonna go over the $1.90 with us doing overtime. Mhmm. So does that change anything It apart from the tax rate, obviously? it it'll change the tax rates, but it'll it'll mean that you'll get a bigger tax break. Because if you go over the one ninety, it's just gonna improve your tax outcome because all of a sudden your taxable amount's gonna increase. So Yeah. it will actually I see.","start_word":2093,"end_word":2251,"sentiment":"neutral","sentiment_score":0.04600837362824746},{"text":"improve the tax outcome.","start_word":2252,"end_word":2255,"sentiment":"positive","sentiment_score":0.3718326687812805},{"text":"If he earns, like, a 140 or sorry. I should say a 120, it looks worse, but it's still a bit of tax savings. Yeah. Okay. What are what are these cost here? Fee comparison. That's Date. A half that's for day job. I got it a super year. That's for yeah. Eight month fee. Oh, so it's a thousand annually. Is it? Thousand and 34. Is that what that means? Oh, no. Total Which document sorry. are you looking What page are we on, Casper? We're on page 13. 13. Of what you sent through. at? 1,034 is his insurance premiums. Okay. So what so what are what is he paying you to do all this? What's the fee for your guys' contributions? Annually. Annually. So our fee is that 1,003 K. 20 Oh, yeah. 7. And what we do is we we do advice like this. We do his investment advice. We make sure that all the investment options in the fund are appropriate. We make sure that, you know, if there's a market drop or anything like that or any of the assets are no longer fit for purpose, that we adjust, pivot, change, get rid of them, that we're not sitting in anything Yep. that's stagnating available for you guys to call at, you know, any point to ask these questions Yeah.","start_word":2256,"end_word":2481,"sentiment":"neutral","sentiment_score":-0.004386902053271775},{"text":"because super funds don't answer these, unfortunately.","start_word":2482,"end_word":2488,"sentiment":"negative","sentiment_score":-0.3392997682094574},{"text":"So that that's what we're available to do. Okay. Can I ask something, Melissa? I just saw in Of the course. document that you don't the same as the beneficiary one. I see you only have my first name on there, not my second name. Is that gonna be alright? On which document? You got given name, Casper. Family name is Farandesh. My middle name is not on on there. You don't need to. I'm just asking. No. No. No. That's absolutely fine. Your first and last name are absolutely appropriate. Okay. Don't get me wrong. If you want your entire name to to be listed, we can. But first and last name name is Mhmm. absolutely appropriate. Yeah. I just I just added in my last name. My middle name's on the beneficiary paperwork I got, which I need to send off. So yeah. Yes. I know that Caden was giving you a hand with those earlier. Yeah. Cool. Alright. Sorry. I did have No. a question. No. I Of was course. just gone. Is your guys fee is it a set price or does it obviously, it probably changes annually with everything else that changes in the world? It does it does change annually, but there is a form that Casper signs to nominate to sign on for a year, and we, during Yeah. that that period, disclose the fee. And how much did it go up from the last, like, you know, the last price cost rise, how much difference was that? Our fee calculation didn't change. So the way we we charge up oh, sorry.","start_word":2489,"end_word":2757,"sentiment":"neutral","sentiment_score":-0.014780829660594463},{"text":"I have the hiccups now.","start_word":2758,"end_word":2762,"sentiment":"negative","sentiment_score":-0.5240588188171387},{"text":"The way we charge our fees is based on, like, 1.65% of the balance. And what K. we what we used to do is that would fluctuate and change based on the growth of the account. And Yeah. if there was a market fall, obviously, then that you know, there was a market fall, and we would charge that per right across the year. What we do now is we actually based on the date that we make the recommendation, we calculate 1.65% of the account balance, and we just set that as the account fee. So it means that it doesn't fluctuate. You know exactly what's coming out month to month, and and and that's that's sort of how it goes. So it means as your account balance increases, as your contributions keep getting added to the account and you have that growth, the account balance doesn't change.","start_word":2763,"end_word":2911,"sentiment":"neutral","sentiment_score":-0.05901220440864563},{"text":"So it works out generally a lot better for you.","start_word":2912,"end_word":2921,"sentiment":"positive","sentiment_score":0.3754892349243164},{"text":"But if if if his if his super is not doing well, you guys are still getting your your pay like, you know, your your fee isn't dropping with the super that's potential like, just say his super balance dropped.","start_word":2922,"end_word":2961,"sentiment":"negative","sentiment_score":-0.4348324239253998},{"text":"Yeah. Yeah. Your guys' fee is not dropping. It's staying the same. Is that correct? Yes. Yeah. So on that side is that if the account balance did did drop, our fee doesn't drop with that side. Has his account dropped at all since he's been with you guys? Has his There there has definitely been fluctuation to it. Don't get me wrong, but I wouldn't say but that there's in been in the a bigger significant picture, drop. annually, has it ever dropped globally over the year? Like, as Yes. a whole. There's been there's been moments where it's dropped, but it hasn't ever dropped and not recovered, if that makes sense. Yeah. That's what my dear. So it has Yeah. recovered. Yeah. Yes. Yeah. Definitely recovered. The like, the Recovered account does and fluctuate. and gained or just recovered and hit the, like, plateau sort of thing? You know what I No. mean? Yeah. No. It it has recovered quite well. Like, Casper's only been with his Hub twenty four account for, like, a Two month months. now. Yeah. Right. A month. A month tomorrow. Previously, he was with Netwealth, and I have had a look at that account. And, yeah, it it it would would drop and recover and make more. It never went through a period of time where it didn't recover or didn't didn't make money. Don't be wrong. There there were periods of time there that it did sort of drop for a few months, but it always recovered and and made. Yeah. Okay. Okay. Thank you. I don't That's I'm not a part of what he's my super isn't going through that. In in fact, I'm quite blind with what my super is doing, so I'm just wondering whether I need to sign up okay. so that Yeah. it's been over overseen. You know what I mean? Because at the moment, just doing whatever it's doing. Yeah, I know. Casper and I actually spoke about your side of things last Thursday when we spoke, and and he did tell me that he was likely gonna give me a call this morning. So I wasn't shocked when when Yeah. when the team said that you were giving that you were there.","start_word":2962,"end_word":3338,"sentiment":"neutral","sentiment_score":-0.06759233458525939},{"text":"But I'd be more than happy to have a a a conversation with you to be able to go through and just get a bit of information. So our initial consultation's complimentary. We we just go through, have a discussion about what your goals are, what you're wanting to achieve. The cool thing is is because Casper's already a client, I can kinda combine everything together and give you guys a whole overview of the two of you as a couple.","start_word":3339,"end_word":3419,"sentiment":"positive","sentiment_score":0.4627726674079895},{"text":"Yep. Because, obviously, the the hope is to retire together Yeah. and, Yep. you know, set off into the sunset, so to speak. Yep. So we can do some more, like, joint based planning moving forward, which which So is what are you guys what what is your not status, but what's what are you guys, like, financial advisers? What are you? cool. Yeah. So I'm a qualified financial adviser. Oakview Okay. is a financial planning firm.","start_word":3420,"end_word":3496,"sentiment":"neutral","sentiment_score":0.1505101001881934},{"text":"So Caden, who you spoke to, and Michelle, who you spoke to, they are part of my beautiful administration team, and they support, answer questions, assist with documentation.","start_word":3497,"end_word":3524,"sentiment":"positive","sentiment_score":0.3490771949291229},{"text":"And and, basically, what we do is we help with not only super insurance, but we can help with a lot Yeah. of wider advice pieces as well. So it can come down to budgeting. It can come down to, you know, purchase of houses, lots of different sort of little niche Okay. things as What well. about what about health insurance? Do you know much about health insurance? Do know a lot about it, but it's not an area of advice that we can give because that is general insurance. We're not we don't do general insurance. No financial Yeah. advice at will. I see. Yeah. We're just thinking I mean, we we paid health insurance for another long, and we Yeah. don't we haven't we don't use a lot of what we signed up for, and I'm just I know some people that don't have health insurance, and it's all good, but I don't know how to fix your tax at the end of the year. I mean, Do we you can know? we can definitely talk about sort of, I guess, what you get in tax concessions by having health insurance versus if you don't. And Yeah. then you're able to have that information to then make an informed decision as to whether you cut your plan, get rid of your plan, or drop your plan down too. So I know there are Yeah. a few few providers that do exist from personal research Yeah. that basically do really basic tax plans that, like, the the whole point of the plan is you pay a little bit of money. It doesn't give you a lot of coverage, but it's way better than the tax you pay. Yeah. Because, I mean, I've I've had a lot of health things appointments, and my health fund doesn't doesn't cover a lot of them, what I had done, but Medicare did. So what's the point in having Yeah. it if Medicare is gonna help me out? You know what I mean? Oh, no. I know.","start_word":3525,"end_word":3868,"sentiment":"neutral","sentiment_score":-0.03388750063645285},{"text":"It it it kills me every time.","start_word":3869,"end_word":3875,"sentiment":"negative","sentiment_score":-0.5048438906669617},{"text":"I, you know, So, take the yeah, take I the just kids wondered to the dentist and Medicare covers it. yeah. I just wondered if what's the pros and cons of having or not having Health Fund and just. But I know it's got something to do with the tax at the end of the year. You might pay a little more. You might your refund might not be as as good or yeah. I'm not too sure, to be honest. I just thought you might know. Yeah. So, basically, there's a there's a Medicare levy that exists. If you don't have private health insurance, you pay the levy. If you do, you get an exemption. Okay. And the levy is the 2% of wages based on different brackets and so on and so forth. It's And 2% yeah. of your income. Yeah. Based on I different see. brackets and but, essentially speaking, what happens is if you don't have private health that covers hospital, it's not the extras that a private health cares about. It's it's literally just the private health hospital cover. If Yes. you don't have the hospital cover, then you get stung with the levy. If you do have the cover, then Yeah. you don't get stung with the levy. So you need to you need to calculate what your levy is worth and put it up against what you're paying annually for your health insurance and see which one's Better. better Yep. off, Pretty much. basically. What I mean, can I ask? Because what I can do is I can Yep. calculate both of your levies today, and I Yep. can send you an email and be like, this is your breakdown of your tax, blah Yeah. blah blah.","start_word":3876,"end_word":4169,"sentiment":"neutral","sentiment_score":-0.061256940647655606},{"text":"That'll be great.","start_word":4170,"end_word":4172,"sentiment":"positive","sentiment_score":0.5988444089889526},{"text":"What's your income? Oh, that one's me. The same as Casper. Okay. What did So you work I'll yours out on WorkPac? I just went a 182. Well, yes. We work we're we're casual at the moment. So we Yeah. we work 20 oh, it's gonna go down, isn't it? Hours. Hang on. Sorry. I'll just talk about it really quickly. No. You're okay. Well, most of all she's doing that, you know, with Yeah. the 2% because when I first come to Australia, I didn't have it for a couple of years. So Mhmm. I think mine is 28%, but then they buy it between the two of two of us on tax time. So ours would actually be is it 2% for a year or is it at 14% for the year tax time because you didn't have it for a period of time? Oh, Right. You're talking about the if you're over 30 when you get it put in place, you Yes. pay a high Yes. no. That's that's the that's that's different. And what that is is that's basically a insurer based thing. So the insurance company sent around and went, well, the older you get, the more likely you are to claim. And if you didn't have our cover before you turned 30 and you're doing this now because you are 30 and you realize that things are starting to happen health wise, you're gonna pay a higher premium. That's totally different to No. the the Medicare levy side. So Yeah. that's why it's better to to have it than not let it not have it during the year because you get yeah. Okay. It's got nothing to do with this Yeah. Going yeah. So if Yeah. we basically just get a basic cover with with hospital, that's the best way to go because that still covers that 2%. It'll be the cheapest way, but it just depends on whether you have other things that you wanna claim, which is where the extras come in. Oh. So, Yeah. like, the We dent do not the dentist can I be think expensive. we're we're Optical happy to can pay be expensive. full price for our Cairo and his glasses because the amount that we claim on those annually is much less than what we're paying annually for health insurance, if you know what I mean. Yes.","start_word":4173,"end_word":4572,"sentiment":"neutral","sentiment_score":-0.05362541470676661},{"text":"No.","start_word":4573,"end_word":4573,"sentiment":"negative","sentiment_score":-0.33340445160865784},{"text":"Definitely.","start_word":4574,"end_word":4574,"sentiment":"neutral","sentiment_score":-0.3116600513458252},{"text":"No. I I get it too. I it it it literally kills.","start_word":4575,"end_word":4586,"sentiment":"negative","sentiment_score":-0.5885689854621887},{"text":"Yeah. So 78 what's your payment? 78. 78. 16802. 68. Alright. How many fortnights? Twenty six. 171. Where'd you get $1.82 from? Because I thought it was the same as the job we just came from because I don't have pay. Right? Yeah. We're actually $1,718.03 because with our hours have just gone down, boy. Oh, yes. Yeah. One seventy one eighty three eight three seven roughly around the end. Okay. 1 It's 718837. all eight point Alright. 12. You wanna be specific? You wanna be specific? No. That's cool. Alright. Well, I can I can work out what the levy would be based on that? I'll also work it out on the 82,000 to account for, say, 10 Yeah. grand worth of worth of Yes. overtime for the year. And and I'll just I'll throw those figures at you so that way you have it all broken down nicely and you can work backwards. Work backwards.","start_word":4587,"end_word":4743,"sentiment":"neutral","sentiment_score":0.008429261855781078},{"text":"Thank you. Appreciate that.","start_word":4744,"end_word":4747,"sentiment":"positive","sentiment_score":0.3964284360408783},{"text":"Now, No. Larissa, That's okay. now that now because our house is getting cut from twelve and a half to twelve as of December, October. This document you sent me, is that gonna make any changes really? Do we have to adjust anything, or is that still No.","start_word":4748,"end_word":4795,"sentiment":"neutral","sentiment_score":-0.05086004361510277},{"text":"good to go?","start_word":4796,"end_word":4798,"sentiment":"positive","sentiment_score":0.4474586248397827},{"text":"Because you're still gonna do overtime anyway.","start_word":4799,"end_word":4805,"sentiment":"neutral","sentiment_score":0.1887052357196808},{"text":"So Still good to go.","start_word":4806,"end_word":4810,"sentiment":"positive","sentiment_score":0.4956662058830261},{"text":"okay. Do you wanna make a appointment with us to discuss anything to see if you're interested? Yeah. I think I am interested. It's just getting the right time to do it. I'm trying to think tomorrow. What am I gonna have to do? Oh, we're flying out to tomorrow. We might have to leave it. Yeah. Maybe I can make contact when I've got more time. The third and fourth of October. I'm We can not we certain. can we can book it for a couple of weeks out. I'm pretty unavailable this week anyway because I'm booked out, and then it's my Yep. ten year wedding anniversary Oh, I'm on not. I Thursday. heard your message. Thank you. I haven't killed Mhmm. him yet. Yeah. I'm just about killed Casper numerous times. Yeah. Always. We do. Three years in. So, yeah, we're fifteen years just shy of fifteen years together, ten years married. So I'm taking No. him away to get away from the kids in life. And so, anyway, the week of like, I could probably do Friday the ninth or the following week, which would be the week of the October 12. That'd be This yeah. The thirteenth. I think I've got an appointment. One second. But the thirteenth might be might work. Just gotta check. I know I've got an appointment that day. Oh, no. I've got someone here to do that day. It's okay. We'll touch base because then we're going to New Zealand, so we're a good month out. No problems Yeah. at all. But Perfect. yeah. Oh, Oh, did you wanna give yeah. me your email address? And I'll I can just send you an email so you can touch base that way. Yep. It's Keriana, k e r I a n a Yep. k a w, K a w. like, Yep. h I a Yep. at gmail dot com.","start_word":4811,"end_word":5128,"sentiment":"neutral","sentiment_score":0.0011409617802670003},{"text":"Amazing. I'll send you an email.","start_word":5129,"end_word":5134,"sentiment":"positive","sentiment_score":0.5028448104858398},{"text":"I'll cc you in on the email that I sent to to Casper, but I'll I'll send you a separate email so you can reach out when you have a moment free.","start_word":5135,"end_word":5166,"sentiment":"neutral","sentiment_score":0.29691174626350403},{"text":"Thank you.","start_word":5167,"end_word":5168,"sentiment":"positive","sentiment_score":0.5340803861618042},{"text":"And being just going for your document, Where is the date for the contributions to come out? Is that on the next page? That is in your like, when you're ready to set this up. So if Yes. you authorize this, basically, it's a matter of you tell me the day you want the contributions to come out, and there are two Okay. ways that we can set this up. One is that I set up a regular saving strategy where the money Yes. will just be deducted from your account to save you the headache of having to think about it, or the other is you control it and you have the money you send the money to the fund. The first option. Cool. And then you just need to tell me the date that you want it to happen, whether you want it to be on a Monday or a Friday or a blah blah blah. Yeah. I'll be pay. Sorry. One last thing. We're also not claiming the tax free threshold. That's not an issue with what he's about to sign up for. Why are you not claiming the tax free threshold? Because we thought that and we have a little pot at the end of the financial year. Yeah. I don't No. know. No. No. Absolutely. Yeah. Yeah. No. It's absolutely fine. All it means is that your employer pay like, they exclude the tax free threshold when they're paying you each fortnight. And, again, you're just gonna end up with even more at the end of the financial year. It's not really an issue. Yeah. Do you know are you able to calculate what that might look like or you're not really sure because it depends on what we make, obviously? I can Or rough calculate idea? it. Yeah. I can give you a rough idea. Okay. Because then we add that to the 4.5 that that we will get from him making those extra contributions. Correct. Yeah. Okay. I have one more question. That's I was struggling oh, I'm no. struggling You're okay. to sign. I'm on this document and I signed, and then it says multi multi something. So that yep. So that that little box there above the signature is if you wanted to go ahead with the three, the four, or the five, you would just write in that I wanna proceed with 500,000 per oh, sorry. $5,500 per fortnight. So that way, my team knows when they're setting up that savings strategy that they that's what you you've agreed to go ahead with. So if you wanna alter the advice. If you wanna go ahead with 400, you just say just put a dot net. You don't have to do anything else. Alright. I think we shall try and let you go now. Yes, No. sir.","start_word":5169,"end_word":5644,"sentiment":"neutral","sentiment_score":0.037581696699396906},{"text":"You're so fine. Thanks Oh, for your help. that's okay. I'll get all those emails sent out to you.","start_word":5645,"end_word":5663,"sentiment":"positive","sentiment_score":0.4246009290218353},{"text":"And if there's any questions, you can shoot an email Yeah. I I just signed it, so you'll send me through a form to for the bank stuff to come out. Correct? back. Yes. I will. My team will do that this week. They'll get forms out to you to set up the automatic savings Okay. Okay. Can it be on a computer? Because I'm back at camp, so I don't have access to a printer and stuff like strategy. that. It definitely can be on a computer. And can you confirm, while you and I are on the phone, what day is it that you would want the savings plan to come It'll be a Thursday. So it'll be next Thursday for this Saturday day? out? So Yeah. that Not would the Thursday, the following. Yeah. Following. be Thursday So Thursday, the eighth. the The eighth. Yep. That's correct. And And that every is fortnight the from then? Yes. Yeah. That's the start date. A n.","start_word":5664,"end_word":5830,"sentiment":"neutral","sentiment_score":0.08758938151919199},{"text":"Perfect. Cool.","start_word":5831,"end_word":5832,"sentiment":"positive","sentiment_score":0.6041986346244812},{"text":"So Done. you'll be able to send through our levy figures and Mhmm. our potential Tax savings return, side. Yep. yeah, with tax free threshold and all of that. Yeah.","start_word":5833,"end_word":5862,"sentiment":"neutral","sentiment_score":0.1886136382818222},{"text":"Definitely can. Thank you.","start_word":5863,"end_word":5866,"sentiment":"positive","sentiment_score":0.5390563011169434},{"text":"I need to have someone in between even calls from New Zealand, and we'll share it with you. That's fine.","start_word":5867,"end_word":5886,"sentiment":"neutral","sentiment_score":0.1880166232585907},{"text":"Alright. Thank you very much. Thanks, Laura. That's okay, guys. Have a great day. You too. See you.","start_word":5887,"end_word":5904,"sentiment":"positive","sentiment_score":0.6515195369720459},{"text":"Bye. Bye.","start_word":5905,"end_word":5906,"sentiment":"neutral","sentiment_score":0.19805757701396945}],"average":{"sentiment":"neutral","sentiment_score":0.03682962807375113}}}}